The faster payment system is a Bank of Russia service that allows individuals to make instant transfers by mobile phone number to any bank member of the faster payment system, and also to pay for goods and services in retail and the Internet stores using a QR code.
To make a payment on the site using the faster payment system, the customer needs to open the mobile application of his bank (if this bank is a member of the faster payment system) and scan the QR code on the payment page. The customer's bank receives payment information and transfers the funds to the merchant's account. If the courier delivers the ordered goods, then the QR code with the payment information comes to the courier’s mobile device, then it is read through a banking application installed on the customer's smartphone.
Payment using the faster payment system for merchants using IPS Assist is carried out according to the following scenario:
- The customer selects the product or service on the store’s website and proceeds to pay for the order.
- The store redirects the customer to the Assist payment page.
- On the Assist payment page, the customer selects the faster payment system as a payment means.
- Assist registers the payment in the service of the partner bank and receives data for generating a QR code.
- Assist displays a generated QR code on the payment page, which the customer can scan using the bank's mobile application and confirm the payment.
- If for some reason it was not possible to generate a QR code, then a corresponding message appears with a suggestion to try again.
When a customer uses mobile payment pages, then a list of banks is displayed to select payment via FPS (instead of a QR code); after selecting a bank, an automatic transition to the application of this bank on the customer’s smartphone is carried out.
- Assist receives a notification of payment from a partner bank.
- Assist displays the payment result for the customer or redirects the customer to the store website (depending on the merchant settings).
Money is credited to the account of the merchant (store) within a few minutes.
To check the possibility of using the faster payment system, a merchant needs to contact Assist support.
The ability to pay using the faster payment system) is controlled by the FastPayPayment parameter of the authorization request. By default, such payments are allowed.
When receiving of the payment result data, the faster payment system will be indicated as a payment means.
If necessary, the merchant can refund for the payment made using the faster payment system. Refunds in the faster payment system are processed immediately, as well as the payments.
To implement refunds, the merchant should use the standard tools of IPS Assist - cancellations in the Personal Account or via the web service.
You can also use the faster payment system (СБП) to organize payment subscriptions.
In the bank's application, the customer can agree to the subscription. In this case, when making the first payment for a subscription using the faster payment system (СБП), the customer's payment details will be saved and further payments for this subscription will be made without the customer's participation.
On the payment page, at the time of payment, the customer will see a message stating that the payment is regular.
The customer can change his payment information for an existing subscription if necessary.
The customer can cancel a previously issued subscription; the cancellation procedure is regulated by the merchant.
The faster payment system (СБП) can also be used for payments in the One Click service.