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Faster Payment System (Russia)

From Wikipedia, the free encyclopedia
Not to be confused with Faster Payment System (United Kingdom).
Faster Payment System
Native nameСистема быстрых платежей
Short nameFPS
Other names
  • СБП
LocationRussia
LaunchedJanuary 28, 2019 (2019-01-28)
OperatorRussian National Card Payment System, Central Bank of Russia
CurrencyRUB
Websitehttps://sbp.nspk.ru

The Faster Payments System (FPS; Russian: Система быстрых платежей, acronym СБП) is a system operated by the Bank of Russia that enables individuals to transfer funds using an identifier (currently a mobile phone number) between accounts in different credit institutions. The FPS also supports instant 24/7 payments for work, goods, and services, including transactions made via QR code. In addition, the system is used by legal entities for payments to individuals (insurance compensation, transfers from brokers, and other cases).[1][2][3][4][5][6]

The operator and settlement center of the system is the Central Bank of Russia itself, while the operational and clearing center is the National Payment Card System.[2][4][7] VTB Bank also functions as a settlement center for the FPS.[8]

In 2024, the FPS processed 13.4 billion transactions totaling 69.5 trillion rubles, including peer-to-peer transfers, retail payments, and transfers from legal entities to individuals. By the end of 2024, approximately 2.2 million retail outlets in Russia had implemented FPS payments.[9][10]

As of May 2025, the FPS included 225 participating banks. Since its launch, a total of 30.2 billion transactions worth 151.7 trillion rubles have been carried out through the system.[11]

The minimum daily transfer limit that a bank may set for a client within the FPS is 150,000 rubles. The monthly limit for free transfers per client from each participating bank is 100,000 rubles, while the maximum size of a single transaction is 1 million rubles.[12][13][14]

Since 1 May 2024, the commission-free transfer limit for transfers made to oneself through the system has been raised to 30 million rubles per month.[15][16][17] This limit applies to transfers from any accounts and deposits belonging to an individual in the same bank, and to several types of online transfers: by phone number via the FPS, by account number through a mobile application, or via internet banking. This enables clients to transfer up to 30 million rubles per month from multiple accounts in one bank to their accounts in other banks, either using different transfer types or exclusively through the FPS.[18][19]

History

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2018

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At the end of 2018, the Central Bank of Russia announced that banks would not be charged for servicing FPS transactions in 2019.[20]

2019

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The Faster Payments System was launched in Russia on 28 January 2019.[21]

Almost all Russian banks connected to the Bank of Russia’s FPS set zero tariffs for transfers within the system, and no fees were charged to clients during the first months of operation.[22]

On 28 February 2019, the system entered industrial operation for a broad range of banking clients, enabling individuals to make instant transfers using a phone number.[23]

FPS payments in retail stores began in 2019, when the first tests were conducted in retail chains, including online payments.[24][25][26] Around the same time, the system was introduced into various online services.[27]

2020

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Since 1 January 2020, the Faster Payments System has been subject to fees for banks.

From May 2020, all banks were required to process transfers of up to 100,000 rubles per month without charging a commission. For transfers above this threshold, banks were allowed to charge up to 0.5% of the transfer amount, but no more than 1,500 rubles.[28]

On 28 May 2020, Sberbank connected its entire network to the FPS, becoming the last major Russian bank to join the system.[29]

2022

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Banks with a universal license were required to provide clients with the ability to pay for goods and services using FPS QR codes from 1 April 2022, while systemically important banks were required to do so earlier, from 1 October 2021.[30]

In 2022, plans were announced to enable FPS payments in favor of the Federal Treasury of Russia,[31] as well as to launch cross-border transfers through the system.[32]

By the end of 2022, the number of FPS users reached 81 million, an increase of 37 million over the year. More than three billion transactions worth 14.4 trillion rubles were carried out through the FPS that year. Compared with 2021, the number of transactions rose by 3.5 times and the volume by 2.9 times. Payments via the system increased 27-fold in number and 12-fold in volume. Over the year, 382,000 retail and service enterprises joined the FPS, bringing the total to 559,000 by early 2023 (482,000 of which were small and medium-sized enterprises).[33]

2023

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Growth continued in 2023. In the second quarter alone, over 1.6 billion transactions worth 7 trillion rubles were processed, more than double the figures for the same period of 2022.[34]

From 1 October 2023, Russian banks participating in the FPS were required by the Central Bank of Russia to integrate the system into their online banking services.[35]

2024

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On 1 April 2024, the FPS B2B transfer system was launched.[36]

In the first 11 months of 2024, the FPS processed 11.8 billion transactions totaling 60 trillion rubles. The share of FPS in peer-to-peer transfers (c2c, client-to-client) increased to 88.6% during this period, compared with 80% a year earlier. Client-to-government (c2g) payments, including taxes and fines, reached 440,000 transactions totaling 342.2 million rubles in the same period.[37]

2025

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In January 2025, FPS transfers became available in nine foreign countries, including Abkhazia, Armenia, Belarus, Kazakhstan, Kyrgyzstan, Laos, Moldova, Tajikistan, and Uzbekistan. The number of foreign banks accepting FPS transfers increased to 50.[38]

SBPay

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In 2022, the National Payment Card System of Russia, acting as the operational payment and clearing center of the Faster Payments System, announced plans to roll out an updated version of the SBPay mobile application to banks and retail and service enterprises in Russia, featuring contactless payment functionality based on NFC technology.[39][40][41]

References

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  1. ^ "СБП: основные показатели | Банк России". Официальный сайт Банка России (in Russian). Archived from the original on 2023-08-25. Retrieved 2023-08-26.
  2. ^ a b "Как запускается Система быстрых платежей Центробанка". Ведомости (in Russian). 2019-02-28. Archived from the original on 2023-07-16. Retrieved 2023-09-29.
  3. ^ "К Системе быстрых платежей подключились сто банков". ПЛАС (in Russian). 2020-08-25. Archived from the original on 2022-09-20. Retrieved 2023-09-29.
  4. ^ a b "Система быстрых платежей: как подключить онлайн и отправлять деньги по СБП". РИА Новости (in Russian). 2023-07-12. Archived from the original on 2023-07-21. Retrieved 2023-09-29.
  5. ^ "Коды идут: российские банки запустили оплату по QR через СБП за границей". Известия (in Russian). 2023-09-27. Archived from the original on 2023-09-27. Retrieved 2023-09-29.
  6. ^ "Компании перевели россиянам более ста миллионов рублей по номеру телефона". Российская газета (in Russian). 2021-08-30. Archived from the original on 2021-08-29. Retrieved 2023-09-29.
  7. ^ "Система быстрых платежей". Официальный сайт Банка России (in Russian). Archived from the original on 2023-09-29. Retrieved 2023-09-29.
  8. ^ "Перечень операторов услуг платежной инфраструктуры". Официальный сайт НСПК (in Russian).
  9. ^ "СБП: основные показатели". Официальный сайт Банка России (in Russian). Retrieved 2025-02-12.
  10. ^ "Объем операций через Систему быстрых платежей в 2024 году.вырос в два раза". Интерфакс (in Russian). 2025-01-31.
  11. ^ "Национальная платежная система". Официальный сайт Банка России (in Russian). Archived from the original on 2023-11-07. Retrieved 2023-11-07.
  12. ^ "Центральный банк России. Операции в СБП будут возможны на более крупные суммы". Archived from the original on 2022-03-17. Retrieved 2022-03-17.
  13. ^ "Центральный банк России. Проекта указания Банка России" (PDF). Archived (PDF) from the original on 2022-03-17. Retrieved 2022-03-17.
  14. ^ "Лимиты переводов по СБП". Официальный сайт НСПК (in Russian). 2024-10-02.
  15. ^ "Переводы самому себе: новый лимит в СБП". Официальный сайт Банка России (in Russian). 2023-12-28. Archived from the original on 2024-01-01. Retrieved 2024-01-09.
  16. ^ "Законопроект "О внесении изменений в статьи 29 и 36 Федерального закона "О банках и банковской деятельности "". Система обеспечения законодательной деятельности Государственной автоматизированной системы «Законотворчество» (in Russian). Archived from the original on 2022-07-11. Retrieved 2024-01-09.
  17. ^ "Федеральный закон от 4 August 2023 № 482-ФЗ "О внесении изменений в статьи 29 и 36 Федерального закона "О банках и банковской деятельности"". Банк правовой информации "Законодательство России" (in Russian). Archived from the original on 2024-01-09. Retrieved 2024-01-09.
  18. ^ "Переводы между своими счетами до 30 млн рублей в месяц с 1 мая становятся бесплатными | Банк России". Официальный сайт ЦБ РФ (in Russian). 2024-04-27. Retrieved 2024-10-09.
  19. ^ "Переводы между своими счетами - Ответы на вопросы". Официальный сайт ЦБ РФ (in Russian). Retrieved 2024-10-09.
  20. ^ "Система Банка России на смену переводам с карты на карту". Archived from the original on 2019-01-29. Retrieved 2019-01-28.
  21. ^ "В России запустили систему быстрых платежей". Archived from the original on 2019-04-16. Retrieved 2019-01-28.
  22. ^ "Почти все участники Системы быстрых платежей установили нулевую комиссию на переводы - ТАСС". TACC. Archived from the original on 2022-09-15. Retrieved 2023-09-29.
  23. ^ "Переводы в рамках Системы быстрых платежей (СБП)". Archived from the original on 2019-02-28. Retrieved 2019-02-28.
  24. ^ "ЦБ рассказал о начале промышленного запуска оплаты товаров при помощи QR-кода через СБП". TACC (in Russian). 2019-10-02. Archived from the original on 2023-10-05. Retrieved 2023-09-29.
  25. ^ "Новая лояльность: ритейлеры введут скидки при оплате через СБП". Известия (in Russian). 2019-12-27. Archived from the original on 2023-10-05. Retrieved 2023-09-29.
  26. ^ "Wildberries первым в онлайне в России запустил QR-платежи на сайте". РБК (in Russian). 2019-10-30. Archived from the original on 2023-06-02. Retrieved 2023-09-29.
  27. ^ "В ГИС ЖКХ провели первый платеж через систему быстрых платежей". Российская газета (in Russian). 2019-10-09. Archived from the original on 2023-10-05. Retrieved 2023-09-29.
  28. ^ "С мая 2020 года можно бесплатно переводить до 100 000 рублей в месяц по номеру телефона" (in Russian). fincult.info. Retrieved 2020-05-06.
  29. ^ "«Сбербанк» подключился к Системе быстрых платежей ЦБ после штрафа — пока в тестовом режиме" (in Russian). vc.ru. 2020-04-02. Archived from the original on 2020-04-01. Retrieved 2021-02-13.
  30. ^ "Оплата через СБП станет доступнее". Archived from the original on 2020-12-18. Retrieved 2020-12-29.
  31. ^ "Платежи в адрес государства через Систему быстрых платежей могут запустить в 2022 году". Archived from the original on 2021-05-07. Retrieved 2021-05-07.
  32. ^ "Трансграничные операции в СБП: проект Банка России". Archived from the original on 2021-11-16. Retrieved 2021-11-16.
  33. ^ "Развитие платёжной системы «Мир» и СБП в 2022 году – отчёт Центробанка _ Digital Russia". Archived from the original on 2023-04-02. Retrieved 2023-04-02.
  34. ^ "СБП: основные показатели". Банк России (in Russian). 2023-08-22. Archived from the original on 2023-08-22. Retrieved 2023-08-22.
  35. ^ "ЦБ РФ: СБП станет доступна в интернет-банках". AiF (in Russian). 2023-03-09. Archived from the original on 2023-03-09. Retrieved 2023-03-10.
  36. ^ "С 1 апреля банки начнут проводит транзакции между юрлицами". Archived from the original on 2024-03-31. Retrieved 2024-03-31.
  37. ^ НСПК сообщила о росте доли карт _Мир_ по объему платежей до 64,1%
  38. ^ Россиянам стали доступны переводы по СБП в девять стран_ куда, какая комиссия
  39. ^ "НСПК запустила платежное приложение «СБПэй» для Системы быстрых платежей". Банки.ру (in Russian). Retrieved 2023-10-04.
  40. ^ "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.
  41. ^ "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.
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