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SBPay

SBPay
DeveloperRussian National Card Payment System
Release2021; 5 years ago (2021)
Operating system
LicenseProprietary
Websitesbp.nspk.ru/sbpay/

SBPay is a Russian contactless payment service for smartphones based on the Bank of Russia's Faster Payment System (FPS). It was developed by the Russian National Card Payment System (NSPK) and launched in April 2021 as a mobile app for paying for goods and services in retail stores and online using FPS-supported payment methods.

Russian media have described it as a prospective analog to cashless payment services like Google Pay and Apple Pay, which became unavailable in Russia due to 2022 sanctions.[1][2][3]

History

The Bank of Russia justified the introduction of the SBPay app as a way to minimize costs for Russian credit institutions in developing their own mobile apps and to enhance competition in the payment services market.[4]

The SBPay system was launched by NSPK in April 2021 as a mobile app for paying for goods and services in retail stores and online using Faster Payment System-supported methods (QR code, website button, payment link). Later, the app also added contactless NFC-based payments.[5][6][7][8]

By order of the Bank of Russia, all FPS-participating banks were required to enable SBPay payments for customers starting April 1, 2022[1] (later postponed to July 1, 2022). By March 2022, around 100 Russian banks had integrated SBPay.[9][10] As of October 31, 2022, 171 Russian banks had joined the SBPay service; among the 13 systemically important banks, only Alfa-Bank had not integrated it.[11]

In October 2024, NSPK presented its proprietary payment technology solution "Volna" (Russian: Волна) as part of the SBPay app. The solution enables contactless purchases for Android and iOS smartphone users via Bluetooth. It can be embedded into a payment service or mobile banking app.[12]

See also

References

  1. ^ a b "Российские банки планируют запустить аналог Apple Pay и Google Pay с 1 апреля". Ведомости. 2022-03-30. Archived from the original on 2022-03-30. Retrieved 2022-03-30.
  2. ^ "Российские банки запускают СБПэй — замену Apple Pay и Google Pay". iXBT.com. 2022-03-30. Archived from the original on 2022-03-30. Retrieved 2022-03-30.
  3. ^ "Российский конкурент Google Pay и Apple Pay: кому он нужен и как будет работать". Газета.ру. 2022-03-30. Archived from the original on 2022-03-30. Retrieved 2022-03-30.
  4. ^ Алиев М. М., Мамедов М. А., Рзаева В. В., Сафарли А. Х. (2021). "Система быстрых платежей как инструмент оптимизации платежных процессов в финансовой системе России". Московский экономический журнал. pp. 439–451. ISSN 2413-046X. Archived from the original on 2022-03-30.{{cite web}}: CS1 maint: multiple names: authors list (link)
  5. ^ "НСПК запустила платежное приложение «СБПэй» для Системы быстрых платежей". Банки.ру. 2021-04-07. Retrieved 2022-03-30.
  6. ^ "Телефонная связь: в СБП тестируют прием платежей касанием к смартфону продавца". Известия (in Russian). 2022-07-04. Archived from the original on 2022-10-06. Retrieved 2023-10-04.
  7. ^ "Банки в 2022 году начнут использовать обновленное приложение СБПэй с технологией NFC". ТАСС. 2022-03-29. Archived from the original on 2022-03-30. Retrieved 2022-03-30.
  8. ^ "Оплата телефоном по NFC через СБП: объясняем, как это работает на практике". Банки сегодня (in Russian). 2022-08-19. Archived from the original on 2023-02-07. Retrieved 2023-10-04.
  9. ^ "Глава департамента ЦБ сообщила о подключении 100 банков к приложению СБПэй". TACC (in Russian). 2022-05-26. Archived from the original on 2022-09-23. Retrieved 2023-10-04.
  10. ^ "ЦБ перенес обязательное подключение банков к приложению «СБПэй»". РБК (in Russian). 2022-03-31. Archived from the original on 2022-03-31. Retrieved 2023-10-04.
  11. ^ "Сбербанк подключился к «СБПэй»". Ведомости. 2022-10-31. Archived from the original on 2022-10-31. Retrieved 2022-12-07.
  12. ^ "НСПК презентовала технологию для оплаты покупок смартфоном на iOS". Интерфакс (in Russian). 2024-10-17.

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