RBK Money - Innovation in Payments

   RBK  Money    Innova-on  in  payments  

October  19,  2011  

Why  RBK  Money?  

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We  have  a  truly  unique  proposi-on  on  the  market  

•  Everything  is  FREE  for  users  •  100%  protec-on  for  users  and  merchants  

•  200+  payment  methods  integrated  in  one  solu-on  

Quick  facts  

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1,200,000  e-­‐Wallets  

250,000  payment  points  

FREE  for  users  

23,000  merchants  

200+  payment  methods  

9  years  on  the  

market  

15,000  transac-ons  

daily  

1M  USD  in  transac-ons  

daily  

Best  product  on  the  payment  market  

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RBK  Money   Yandex.Money,  Qiwi   PSPs   PayPal,  

Skrill  (MB)  

Free  for  users   ✔   -­‐   ✔   -­‐  

eWallet   ✔   ✔   -­‐   ✔  

Card  payments   ✔   -­‐   ✔   ✔  

Other  payment  methods   ✔   -­‐   -­‐   Limited  

Payments  without  user  registra-on   ✔   -­‐   ✔   Limited  

100%  fraud  protec-on   ✔   -­‐   -­‐   ✔  

Products  and  services  

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eWallet   POS  Payments  

Payment  Kiosks  

Money  transfers  

Merchant  Payment  Gateway  

Card  Payments  

Mobile  Payments  

RBK  Money  Visa  Card  

eWallet  

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First  100%  free  eWallet  in  the  world  

•  Free  top-­‐up,  payments,  p2p  and  withdrawal  

•  Access  via  web,  mobile  and  apps  

•  Professional  eWallet  –  for  small  businesses  and  freelancers  

•  Instant  payments  and  transfers  

•  Instant  Virtual  MasterCard  

Merchant  Payment  Gateway  

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All  payment  methods  in  one  interface  

•  No  registra-on  for  user  •  Geo-­‐loca-on  •  Fully-­‐customized  

RBK  Money  Visa  Debit  Card  

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Your  money  online  and  offline  

•  Delivered  by  post  •  Visa  Chip&PIN  Classic  card  •  Connected  to  the  eWallet  

•  Free  ATM  cash  service  

•  Earning  7%  p/a  on  the  deposit  

Payments  in  POS  

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Accep-ng  payment  cards  never  been  easier  

•  Virtual  POS  terminal  

•  Mobile  terminal  (like  Square)  

•  QR-­‐payments  

Coming  up…  

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RBK  Games  

Social  Shopping  

eWallet  payments  in  POS  

Geo-­‐loca-on  deals  

Security  and  an--­‐fraud  systems  

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To  protect  our  customers,  we  combine  our  in-­‐house  developments  with  the  best  3rd-­‐party  solu-ons  

•  Our  own  an=-­‐fraud  system  More  than  5  years  of  constant  improvement  based  on  our  experience.  Covering  eWallet  opera-ons,  card  payments,  MLR  etc.  

•  3rd  party  solu=ons  Iova=on  –  break-­‐through  device-­‐reputa-on  system  MaxMind  –  Card  payments  fraud  detec-on  system  

Compliance  and  regula-ons  

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Currently  we  operate  according  to  eMoney  regula-ons  in  the  following  areas  

Russia  

•  New  Central  Bank  eMoney  issuer  license  is  due  in  Q3  2012  (new  law  is  being  implemented)  

•  RosFinMonitoring  MLR  compliance  

UK  and  EU  

•  FSA-­‐registered  limited  eMoney  issuer,  new  FSA  EMD2  license  is  due  in  Q1  2012  

•  HRMC  MLR  compliance  

Expanding  globally  

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Our  offices  

•  London,  UK  -­‐  Global  and  European  HQ  •  Moscow,  Russia  -­‐  Russian  and  CIS  HQ  

•  Krasnodar,  Russia  –  Back-­‐office  for  Russia  

•  Kiev,  Ukraine  –  Back-­‐office  for  Russia  

•  Sofia,  Bulgaria  –  Global  back-­‐office  

•  San  Francisco,  US    -­‐  US  HQ  coming  soon  

•  Toronto,  CA  –  coming  soon  Our  Global  HQ  in  London,  UK  

Some  of  our  partners  

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Thank  you!  Get  in  touch  today  

RBK  Money  Global  HQ  Level  33,  25  Canada  Sq.  London,  E14  5LQ  UK    +44  20  7060  4660    a.morozov@rbkmoney.com    

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