In some regions, restrict the payment of a travel cash
Residents of several Russian regions from August 3 will no longer be able to replenish cash transport card due to changes in regulation e-wallets. You can recharge the card will be in the Bank or electronically via the Internet.
"The ban on the replenishment of non-personalized wallets in cash, which shall enter into force on 3 August, applies to all types of non-personal tools, regardless of their destination. Thus, the limitation will apply and the cash funding of a significant number of transportation cards, students cards and other tools," - said RIA Novosti Chairman of the Association of market participants of electronic money and remittances (de) Victor Dostov.
To bring them out from under this ban, it is necessary to adopt amendments to the law "About national payment system", said the expert. However, while such a bill to the state Duma not included. The Bank of Russia, in turn, is fundamentally no objection to the withdrawal of transport cards from the ban on cash funding.
Limits on the replenishment of e-wallets are introduced in cash due to changes in the law "About national payment system". Now holders of e-wallets that fail the identification or simplified identification, you will not be able to refill their wallets with cash, but via Bank account.
To return the option to Fund your wallet with cash, a customer must go through the simplified identification, says Dostov. To make it relatively easy to specify on the website or mobile application e-wallet your passport data and information about SNILS/was. Some of electronic cash would allow you to pass and complete identification on video.
According to the Association, the ban does not correspond to the actual level of the risks against which it is directed, and will lead to lower consumer value of e-wallets, as well as potentially restrict competition in the market in favor of large banks.
"We are in contact with regulators in order to clarify the requirements of the legislation and find a compromise that would reduce the risks, but it does not restrict the functionality of electronic purses as a socially significant payment instrument. We also try to simplify the replenishment of purses, including through the System of quick payments is for consumers, free and instantly," - said the head of the AED.
The authorities of some regions have warned passengers about restrictions in advance. For example, on the official website of the Department of roads and transport of the Lipetsk region on 30 July, it was reported that the transport card you can no longer independently replenish cash. Passengers offer to replenish the transport map in the savings Bank and Bank "Zenith" employees of the offices, through the banking terminal or for a payment link.
According to Dostov, the number of projects that will be forced to suspend cash acceptance is unknown. This is usually a small, regional payment solutions for transportation, catering staff, school and work canteens.
Decisions on travel are currently regulated by several laws, said RIA Novosti head of the Department "Transport and social card" payment system "Golden crown" Alexander Grishin. Restrictions on cash deposits will affect the regions in which such projects are implemented on the basis of the law "About national payment system". According to the expert, only such regions about twenty.
Other regions, however, transport projects can work within the framework of the law on acceptance of payments from individuals by payment agents, in this case, any restrictions on depositing cash should not be.
The Association "Electronic money", that individual output of some tools from under the ban on cash funding is possible, but it's short-sighted decision. "We believe it is necessary to allow a limited replenishment of non-cash instruments. For example, in an amount not more than a few thousand. For fraud is too small a sum, and for conscientious consumers - enough", - said Dostov.
On the model of prepaid cards are running many projects, and some of them can be outside of these concessions. Besides, restrictions are questioning the emergence of new social payment projects in the future. Regional transportation cards, children's cards became so popular that the changes became the subject of national debate because of the ability to quickly and simply refill the card with cash.