A3 payment system: how to use, benefits, reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37

A3 payment system 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 invoicing for utility services, taxes, fines from the automobile inspection and a host of other payments. This project is included in the Unified State Services Portal and is supported by the Federal Treasury, educational institutions, Rostelecom and other large organizations.

Short description

A3 is a payment system, the main purpose of which is to organize payment for services in various areas in an accessible and convenient way for the maximum number of users. The portal allows you to pay off various debts around the clock, literally in two clicks. This will require a computer or other suitable gadget connected to the Internet.

Already now this service processes more than 200 thousand payments monthly. Created nearly half a million billing notices, served over 27 million families in terms of access to utility bills. The service range includes more than 80 cities andsettlements of the Russian Federation.

Functional

Thanks to the A3 payment service, it is possible to instantly top up your mobile phone balance, complete a transaction between credit cards, and pay off your account debt. The main directions that are provided in the functionality of the portal:

• Light, water, gas and other utilities. The amount of debt can be found using a personal account or subscriber number. Additionally, it is allowed to enter meter readings, comments, the term of payment and operation of the device.
• Taxes and fines. The presence and amount of payment is checked by the number of the UIN or VU STS (traffic police), tax debts are easy to find out through the TIN.
• Education. The database contains information not only about state educational institutions, but also about sports schools, children's and youth creativity centers, and other institutions for out-of-school development of the child.
• 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 marked with characteristic labels, while the user's region is determined automatically. If desired, you can enter search parameters in a special window. Options available:

• Regular bills payable.
• Select service and provider.
• Template forms(editable posts).
• Archive of completed transactions (if necessary, receipts can be printed).
• Additional profile and functionality settings.

It's quite simple, even for novice users. This is exactly what the developers wanted, focusing on the possibility of generating a receipt and paying the bill as quickly as possible.

How to use the A3 payment system?

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

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

1. MasterCard or Visa. It can be not only a ruble account. The dollar, euro and hryvnia are used in circulation. In this case, the conversion is carried out by the issuing bank at the rate in force 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 Sberbank or Maestro accounts, 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 belong to the corporate or credit type. If you have enough money, you just need to enter the phone number, which must match the one specified during registration. To complete the payment, you must send a text message in response to SMS about the activation of the service.

PaymentUtilities and other services can be carried out even in the absence of an Internet connection. To do this, contact the contact center at a toll-free number, specify the secret word. It is worth noting that by phone it is possible to make not only payments previously created in your personal account, but also newly created payments, as well as get detailed advice on the functionality and features of the request.

Limits

Restrictions in the A3 payment system increase as the duration of the client's use of the service. All users are divided into three categories:

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

The table below shows the schedule for increasing maximum payments per transaction, depending on the category of clients.

Services Provided	Maximum amount of one operation in thousands of rubles	Number of possible transactions per day
Telephony, games	1/3/15	5/10/100
Taxes and traffic police fines	50/100/200	15/15/100
Utilities	50	15/15/100
Educational institutions for preschoolers	15	5/10/100
Television and Internet	3/3/15	5/5/100
DS “Operation”	15	15/15/100

Commission fees

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

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

• Mobile phone top-up - 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%.

Safety

Despite the short period of operation, the A3 online payment service is equipped with modern protection against unauthorized entry and hacking using several security levels. The protection complex, according to accepted world standards, includes the following measures:

• Providing Supportprograms to identify vulnerabilities and weaknesses.
• Continuous testing and regular system monitoring.
• Use of special operating "gateways".
• Encryption of personal information using Secure Sockets Layer (SSL) method.
• Customer verification is provided by confirmation codes and 3-D Secure technology.
• Identification of the cardholder through temporary blocking while adding information to the personal account.
• Use short-term one-time passwords sent to your phone.
• Generate PIN code for apps.

Comprehensively secure system of convenient payments is completely safe, when using it, you should not worry that funds can get to scammers. All transfers within the established timeframes fall strictly on the specified details.

Contact information

Useful information:

• Working hours of the A3 payment service and receiving calls (Moscow time) - from 8.00 to 21.00.
• Head office address: 127051, Moscow, Bolshoi Sukharevsky lane, 19/2.

A3 payment system: reviews

Users note the ease of use of the service in question, despite its youth. Many customers used the service for the first time with apprehension. However, as practice has shown, understanding the execution of the required document is a matter of a couple of minutes. Creating a receipt and making a payment is also quick and easy.

For all controversial issues feel free to ask for helpto consultant operators who will explain in detail all the nuances of conducting transactions and paying for services, depending on the selected type of operation and region. A check on the action taken can be printed out and kept in paper form (this is optional, but desirable, it allows you to avoid controversial issues in the event of some extraordinary situations).

Consumers noted the following advantages of the A3 payment system:

• Possibility to pay utility bills online and without commission.
• Thoughtful customer support system.
• High security.
• A large number of counterparties.

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 payment documents are generated, just ignore the message about the registration.

Summarize

Most users recommend the innovative A3 commercial system. You can not only make a deposit of an arbitrary amount within the provided limit, but also supplement the transaction from a relative’s card (with his permission). If there is no Internet connection, payments can be made via phone (in the territory of the Russian Federation - free of charge). To avoid unwanted accidental registration, before making the first transaction, carefully studyterms of use of the service and additional features.