Payment system A3: how to use, advantages, reviews

Payment system A3 appeared in the field of electronic payments in 2011. The official presentation of the new module was held in St. Petersburg. The portal interacts with hundreds of counterparties involved in billing for housing and communal services, taxes, fines for automobile inspection and a host of other payments. This project is included in the Unified State Service Portal, supported by the Federal Treasury, educational institutions, Rostelecom and other large organizations.

Short description

A3 - a payment system, the main purpose of which is to organize payment for services of various fields in an affordable and convenient way for the maximum number of users. The portal allows you to repay various debts around the clock, literally in two clicks. To do this, you need a computer or other suitable gadget connected to the Internet.

Already, this service processes more than 200 thousand payments monthly. Almost half a million notifications of invoices have been created, more than 27 million families are served, in terms of access to payment for housing and communal services. The served range includes more than 80 cities and towns of the Russian Federation.

Functional

Thanks to the A3 payment service, it is possible to instantly replenish the balance of a mobile phone, perform a transaction between credit cards, and pay off account debts. The main directions that are provided for in the portal functionality:

• Light, water, gas and other utilities. The amount of debt can be found out using personal account or subscriber number. Additionally, it is allowed to enter meter readings, comments, the payment term and the operation of the device.
• Taxes and penalties. The availability and amount of payment is checked by the UIN or VU STS (STSI) number, tax debts can be easily found through the TIN.
• The sphere of education. The database contains information not only about state educational institutions, but also about sports schools, centers for children and youth creativity, and other institutions for out-of-school child development.
• Internet and mobile communications. The portal cooperates with all major and popular operators (Beeline, Rostelecom, MGTS, Tricolor, MTS, Starnet and others).

Features

All the above functions of the A3 payment system are easy to find, they are indicated by characteristic labels, and the user's region is determined automatically. If desired, you can enter the search parameters in a special window. Options are provided:

• Regular bills payable.
• The choice of services and provider.
• Template forms (editable notes).
• Archive of transactions (if necessary, receipts can be printed).
• Additional profile and functional settings.

Everything is quite simple, even for novice users. This is exactly what the developers sought, focusing on the possibility of the quickest possible formation of a receipt and payment of an invoice.

How to use the payment system A3?

The considered interactive service interacts with many key partners that provide the transfer and receipt of payments (Yandex.Money, Euroset, Mobi and others).

The main two ways to conduct a transaction through the portal A3:

1. MasterCard or Visa. It can be not only a ruble account. In circulation, the dollar, euro and hryvnia are used. At the same time, the conversion is carried out by the issuing bank at the rate at the time of the transaction. In the case of Visa Electron cards, only credit cards containing the CVV code on the back panel can be serviced. When withdrawing funds from the accounts of Sberbank or Maestro, you will need to enter a one-time password through a mobile application or ATM.
2. Personal account of the Beeline operator. In this case, the transaction is possible if the tariff does not apply to corporate or credit type. If there is enough money, you just need to enter the phone number, which must coincide with that indicated during registration. To complete the payment, you must send a text message in response to SMS about the activation of the service.

Payment for housing services and other services can be carried out even if there is no Internet connection. To do this, contact the contact center for a toll free number, indicate the secret word. It is worth noting that by phone it is available to make not only payments previously created in your account, but also newly created payments, as well as get detailed advice on the functionality and features of the request.

Limits

Limitations in the A3 payment system increase with the duration of the customer’s use of the service. All users are divided into three categories:

1. New or one-time "users".
2. Clients who have used the services within 30 days (payment of housing and communal services or traffic fines) for at least two thousand rubles or for a 120-day period - more than 200 rubles.
3. Consumers registered on the portal more than 9 months ago, who have completed at least 100 transactions with a card in the amount of more than 50 thousand rubles.

The table below shows a graph of the increase in maximum payments for one operation, depending on the category of customers.

Commission fees

Tariffs for payment for A3 services are set by acquirer banks. You can find out the percentage fee by calling the support service of a financial institution. In addition, this information must be displayed in the dialog box before confirming the action.

Regarding the execution of receipts, here the commission fee depends on the counterparty and the region. On average, this indicator varies as follows:

• Top up the balance of your mobile phone - 4%.
• Payment of fines, taxes and security systems - 3%.
• Television, Internet, telephony - 2-3%.
• Utilities - 0-2%.
• Education - 1.5-2%.
• Other service - up to 3%.

Security

Despite the short term of operation, the online service payment service A3 is equipped with modern protection against unauthorized entry and hacking with the help of several security levels. The protection complex, in accordance with accepted international standards, includes the following measures:

• Providing program support to identify vulnerabilities and weaknesses.
• Continuous testing and regular monitoring of the system.
• The use of special operational "gateways".
• Encryption of personal information using Secure Sockets Layer (SSL).
• Client verification is provided by means of confirmation codes and 3-D Secure technology.
• Identification of the cardholder through temporary blocking while adding information to your personal account.
• Use of short-term one-time passwords sent to the phone.
• PIN code generation for applications.

The comprehensively protected system of convenient payments is completely safe; when using it, you don’t have to worry about the fact that funds can get to scammers. All transfers in a timely manner fall strictly on the specified details.

Contact Information

Useful information:

• The schedule of the payment service A3 and the reception of calls (Moscow time) - from 8.00 to 21.00.
• Head office address: 12/1951, Moscow, Bolshoi Sukharevsky Lane, 19/2.

Payment system A3: reviews

Users note the usability of the service in question, despite its youth. Many customers used the service cautiously for the first time. However, as practice has shown, to understand the design of the required document is a matter of a couple of minutes. Creating a receipt and making payments is also quick and easy.

For all controversial issues, feel free to contact the consultant operators who will explain in detail all the nuances of conducting transactions and paying for services, depending on the type of operation and region selected. The receipt of the perfect action can be printed and stored in paper form (this is optional, but desirable, avoids contentious issues in the event of some extraordinary situations).

Consumers noted the following benefits of the A3 payment system:

• The ability to pay for utility bills online and without commission.
• A well-thought-out customer support system.
• High level of security.
• A large number of contractors.

Some users note one interesting nuance. The fact is that during the first payment, after entering the phone number to receive confirmation, automatic registration on the site occurs. If you do not want to create a personal account where copies of paid receipts can be stored, as well as new documents for payment, just ignore the message about registration.

To summarize

Most users recommend using the innovative commercial system A3. You can perform not only a payment of an arbitrary amount within the framework of the provided limit, but also supplement the transaction from a relative's card (with his permission). If there is no Internet connection, payments are available via telephone (in the Russian Federation - free of charge). To avoid unwanted accidental registration, carefully review the rules for using the service and additional features before conducting the first transaction.