Unicard

2016-07-25 00:00:00

What is "Unicarta"?

"Unicarta" is a payment service that allows you to make payments on the Global Network. With the help of a payment card, you can purchase goods in virtual stores, pay for domains and hosting, replenish the balance of entertainment sites, make money transfers and carry out other financial procedures.

"Unicard" is a bank card, thanks to which its owner will be able to instantly transfer money to accounts in third-party payment systems and financial organizations. Using the card, a person can pay for the services of TV and Internet providers, mobile operators and other types of telephony, and so on.

The Unicard issuer is the Unisensor financial institution, which also owns the Unikassa payment service and a network of self-service terminals of the same name.

 

A few words about the company that issues Unicarta payment documents

"Unisensor" is a closed joint-stock company that began operating in the summer of 2004. The task of the enterprise was to implement a project involving the creation and maintenance of a network of terminals for receiving payments in the city of St. Petersburg. The leading activity of the company can be called the installation and subsequent operation of banking equipment.

However, Unisensor's specialization is not limited to payment terminals. Employees of a financial institution are developing new IT products (for example, projects related to billing, as well as software such as electronic wallets installed on home computers), which are successfully used in many banking institutions.

At the moment, self-service terminals from the Unisensor company are dispersed throughout the city: there are more than 50 of them in total. In the near future, the company plans to expand the network of payment equipment up to 200 devices.

In 2001, Unisensor offered users a new payment system, Unikarta. Citizens of the Russian Federation can freely use its services.

One of the most popular services that can be used through Unicard is access to the Global Network. Today Unisensor offers its customers payment documents that allow them to work on the World Wide Web from 3 to 12 hours. The cost of the service is from 50 to 150 rubles. In the near future, it is planned to increase the limit: cardholders will be able to access the Internet for a period of 25 to 100 hours.

Payments for the services of mobile operators are also popular.

Unisensor's management claims that about 15% of the sales of all financial documents purchased through terminals are allocated to the company's payment cards. At the same time, sales growth is increasing every month by 8-10%. New tariffs will be introduced soon, this will increase the share of Unicarta by 20%.

The company is intensively implementing the latest technologies and developments in the field of virtual payments. Unisensor signed a cooperation agreement with an Irkutsk financial institution. This will expand the geography of the Unikassa payment service, and, accordingly, Unikarta.

 

Opportunities that open up for the owners of "Unicarta"

"Unicard" is a check that contains a secret code. The service is synchronized with the network of Unikassa payment terminals. The fact is that Unikassa terminals cannot give change. This problem was solved with the help of the payment document "Unicarta".

If the client, paying for the purchase, enters into the ATM a denomination of a larger denomination than the cost of the goods, the terminal will issue a check on which a special PIN code will be printed and information about the amount of change will be encrypted. Subsequently, the user can use the funds left after paying for the goods or services by scanning the check in one of the system's terminals.

Most people positively assessed the technology of the payment service and found a certain benefit, because the Unicard system allows you to make payments in virtual mode. Therefore, some customers deliberately deposit a large amount at the time of payment in the terminal, in order to later use it for online payments.

Of course, there are also special cases. For example, the money was deposited to the account of the payment document by mistake or the amount was too large. In such a situation, the client can contact the Unisensor office and exchange the check for "live" money.

So why do you need to replenish the Unicarta account? Is it convenient to use this payment document for financial transactions?

"Unicarta" is not just a check. This is a standard payment document with which you can carry out all kinds of transactions. "Unicarta" allows its owner:

• transfer funds to other card accounts;
• pay for goods purchased on the World Wide Web;
• exchange fiat money for cryptocurrency;
• receive payments on trading sites;
• open personal prepaid cards.

You can manage the funds stored on the Unicard account both from a stationary and from a laptop computer. To make payments from your phone or tablet, you need to download a mobile application to your device. You can download the software on the official website of the system.

If desired, the user will be able to link his payment document (one or more) to a personal email address.

To date, Unisensor has expanded the capabilities of Unicarta. Now, in order to receive a payment document, you do not need to specifically deposit a large amount to pay for a purchase or service. Users can get a completely new card, the balance of which will be equal to zero. You don't need to pay anything to receive a payment document. In addition, by ordering a card, the client does not have to wait several weeks for the financial institution to issue it: the virtual Unicard is issued instantly. You can order a payment document on the official website of the system. The service also offers users prepaid cards.

 

Tariff scale of the Unicard payment service (tariffs are presented for processing and servicing a virtual payment document through the official website of the company)

The Unicard system offers payment document holders not just affordable tariffs, but practically free card maintenance. Here is an example rate schedule.

1. Making a payment document is free of charge.
2. Money transfers from one card to another - no commission is charged.
3. Financial transactions carried out to an email address or mobile phone number - the commission fee is 0%.
4. Paying for goods purchased in online stores - no commission is charged;
5. Exchange of cards with different types of currencies - a commission fee of only 1%.

 

The procedure for buying "Unicarta" in the self-service terminal

The payment document "Unicarta" can also be purchased at the self-service terminal. To do this, you need to follow several steps.

Step 1. Go to the main menu and select the "Other Services" section.

Step 2. Click the Unicart icon.

Step 3. Put a certain amount into the bill acceptor.

Step 4. Press the "Pay" button.

The change from the purchase will be redirected to the Unicarta account. After completing all the steps, the device will issue a receipt with a PIN code and other information on the payment transaction.

Attention! Don't forget to pick up your receipt!

 

Carrying out financial transactions using Unicard

Using this payment document, system customers can pay for goods and services. Let's consider the principle of conducting a payment transaction using the example of paying for the services of the World Trade Center of St. Petersburg State University.

Step 1. We go to the official website of the Unikassa payment service.

Step 2. Select the category "Services".

Step 3. In the pop-up list, look for "WTC SPbGU" and click the "Next" button.

Step 4. Fill out the payment application (we act according to the proposed instructions).

Step 5. Click the "Pay" button.

Payment amounts are not limited. The main condition is the availability of the amount necessary for payment on the account of the payment document. A message stating that the transaction has been successfully completed will be sent to the e-mail box that was specified when issuing the card.

In the event that problems arise when registering, replenishing or conducting financial transactions using Unicard payment documents, you should contact the Unikassa service customer support center.

The Unicard system offers virtual stores, currency exchange offices, electronic payment systems, communication and Internet providers, financial institutions and other companies to take part in the affiliate program.