Passing even only the card number (without CVV and expiration date), its owner risks becoming a victim of scammers. For payment in some online stores, only one card number is enough, and the validity period of the card is determined by a simple search, a couple of years ago there were cases when using the standard form of transfers from the card to the card of the "Savings Bank" scammers by the number found out the owner's name and made purchases. In addition, no one has canceled the phishing - the number of the bank card can become a ploy to which the person will fall and himself disclose the rest of the data to scammers. But what if you need someone to transfer you money? It's one thing when they are friends or relatives, but what about unfamiliar people? For example, if you are a freelancer or want to get paid for the sale of goods on the Internet.
There are services with which you can get money on a bank card without revealing its details - for example, the replenishment page in the same Rocketbank. But the only such service that is available to holders of bank cards of any Russian banks - launched in November this year with a talking name (2mc). It is enough to register once with the help of a bank card, then immediately accept transfers from friends, relatives, customers for work, and in general any strangers.
The point is that unlike the traditional translation here you send not the card details, but a ready-made form, through which you can transfer money. It is accessible by the link - you can immediately send it to the social network, messenger, just by SMS. Or even on a post in the center of the city to hang, everything is limited only by your imagination.
This is how the translation form looks. Here only the photo, the name of the card holder to whom the money is sent, and also his phone number in encrypted form. To the person who sends money, you just need to enter your card details and the transfer amount. This, by the way, makes the translation not only safer but also more convenient.
As soon as the transfer is completed, the sender will receive an e-mail confirmation, and the recipient will receive an alert in his office about receiving the money.
The security of transfers is ensured by the fact that the card data is processed in an encrypted form using the SSL protocol, and the bank cards themselves must support the 3D Secure technology. The service does not store payment data, but aggregates them on the highest-level payment server in the protected PCI DSS zone.
2mycard is also suitable for charitable or personal gatherings - helping the orphanage, traveling, buying a car and so on. If you usually have to disclose a lot of your data when collecting funds for charity, then you can avoid this if you use 2mycard. Create a goal with a description, set the amount you want to collect, a fixed amount of the transfer if desired. To make the goal look even more optimistic, you can attach a photo. The only downside - while only horizontal photos are sinking normally, the vertical service cuts off. The developers promise to fix this flaw in the next release.
In the service it is possible to connect several cards to one goal at once - this will allow you to collect money even if you exceed the limits on the card of one bank.
All your translations can be viewed in the history, including information on payers, amounts and comments.
Money transfers are carried out by acquiring banks (MDM Bank and Promsvyazbank) using Visa Money Transfer and MasterCard Moneysend technology. Commission - 1.5% of the transfer amount. By default, it is paid by the sender, but you can switch this responsibility to the recipient. was launched by PaynetEasy, which has been creating payment solutions for Russian and foreign partners for ten years. Its customers are Cassby, MasterCard, Rostelecom, Yandex.Money and others.
So instead of transferring your card data all in a row and risking encountering fraudsters, try using a service that will provide a secure transfer without transferring the requisites.
The article is based on materials .
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