The ERIP system “Settlement” is provided and supported by OJSC “Non-Bank Credit and Financial Organization ERIP”, which provides all the necessary technical and legal tools for electronic payments for service providers.
OnLine and offLine connectivity is provided. In the first case, the service producer interacts through an aggregator, that is, through an organization that provides a range of services and services for interaction with AIS “Settlement” for an additional fee. In the second case, the service provider performs the connection to the ERIP Settlement system itself, filling out legal relations with OJSC NKFO ERIP, developing and debugging its own tools for interacting with the server using Banking and Financial Television CJSC.
General terms of participation
The service provider draws up legal relations with OJSC NKFO ERIP, technically provides FTP access to the server with the help of BFT, and has the ability to organize the acceptance of payments on its Internet resource, for example, a goods store, a services website, a payment terminal for utilities or other payments.
It does not matter what kind of services or goods the service provider offers, it is important that there is a connection, and the ERIP system “Settlement” allows it to receive payment in any way. Whatever the client, no matter how he pays, the payment will be received and taken into account.
In essence, the connection logic is simple:
- there is a service, a product;
- there is a buyer, client;
- on the site (web resource), the buyer makes a choice;
- selection = unique code and customer details;
- payment = any mobile banking, info kiosk, bank cash desk, etc.
As a result, payment is received at the right point in the ERIP tree to a specific service provider.
Connection Information
On its web resource (website, store), the service manufacturer places standard information offered by the rules of interaction with a single settlement and information space.
The resource is available in the tree, the ERIP settlement system is connected. How to use? We need our own version of identification of the selected service (product) and the details of the client (buyer, consumer).
As a result of the client’s actions, a payment requirement is formed, which can be paid by any of the options connected to AIS “Settlement”. In case of payment, a service (product) can be provided, and payment for it will be received and taken into account.
The ERIP System “Settlement” has worked out legally and technically regulations and protocols for all payment, reversal, and accounting options. But for their effective use it is very important to correctly place the necessary information and monitor the actions of the client (buyer, consumer).
After registration of contractual relations with OJSC “NKFO ERIP” and CJSC “BFT”, the necessary information becomes available and full support of the service provider is provided.
Safe provision of services and receipt of payments
The ERIP system "Calculation" has a characteristic feature. First of all, it provides many payment options. But ensuring that payment requirements from each service provider are met, it remembers all transactions.
However, one should not count on the ideal operation of communication networks, hardware, servers, software. All this is beyond the competence of OJSC NKFO and CJSC BFT, although it is controlled by them to the greatest extent possible.
Own control of invoices, received (reversed) payments is important and necessary. In addition, any organization always has its own accounting and control. A link between your information space and the ERIP will be needed.
Optimal connectivity to ERIP
For a small organization, or when the organization has small amounts of payments, you can just restrict the aggregator and the option of payments only through SMS messages. This is not difficult. The only drawback is that you have to pay the aggregator for its services.
If we are talking about a solid store, about payments that are too large for SMS payments, and the staff has a qualified programmer, the best option is to independently connect to the ERIP. This is much more than legal documents, technical difficulties, but the organization can fully secure its place in a single settlement and information space.
For many objective reasons, it makes sense for each organization to think about its presence in the ERIP.