How the Megafon Mobile Payments service works

Each owner of his own apartment is faced with making utility payments, taking out a loan to a bank, or connecting to any services. Nobody wants to spend their free time on this, worry, stand in lines, waste their nerves. For such needs, Megafon has created a convenient and useful service for its users. The Megafon Mobile Payments service allows you to solve many problems regarding payment for various services and other payments.

By choosing his mobile device instead of a payment account, the subscriber can make payments for utilities, the Internet, pay for a loan, or transfer money to other people. To understand the operation of this service, you need to familiarize yourself in more detail with its operating principle, parameters, terms of provision, operating features and methods of connection and disconnection.

Service management

Your payments can be managed on the Internet resource “ Megafon Money ”. There are certain restrictions on making payments:

The minimum payment amount should not be less than 1 ruble.
The largest amount of one payment is no more than 15 thousand rubles.
It is allowed to pay for services in an amount not exceeding 40,000 rubles per day.
The monthly payment amount should not exceed 40,000 rubles.

Features of Mobile Payments

This service is available to Megafon network users who are individuals and clients with corporate tariff plans who have the “Personal Budget” option activated. Its detailed information can be found on the website in a special section. The service is not available to users connected to credit payments or with a blocked phone number. In addition to the “ Parking ” service, the service can be used by all Megafon clients, even on credit payment systems.

Payment is not allowed from money credited to a mobile account in the form of promotions or discounts on mobile services, as well as from the initial payment made by the subscriber when drawing up an agreement with the operator for communication services. Payment can be made using money over and above the original payment.

How it works

With this service, you can reduce your company's expenses for paying for cellular communications to employees, allowing them to use any services outside of working hours at their own expense. The “ Personal Budget ” service is designed to solve the following problems:

For a company , it is possible to flexibly plan financial resources for mobile communications, set separate limits for each employee, establish types of reimbursable services, and establish clear rules for the use of corporate cellular communications in the organization.
For an employee - own one number for business and individual use, the ability to pay for personal communication and mobile traffic at favorable corporate rates.

Attention: the company has the right to establish rules for each employee that determine when he must pay for communications on his own, and when the organization will pay for him.

These rules may apply to the types of services and the time of their use. For example, a company can pay for telephone communication only during business hours, or pay only for messages and calls, but not mobile traffic. When this service is activated, the employee is provided with his own account, which operates separately from the company account. It takes into account accruals according to certain rules.

Subscribers can use certain services of their choice for their own money through a corporate number by activating a specific profile:

Internet Budget - payment for Internet services, traffic per megabyte in the home region, in Russia and abroad is paid from the employee’s money.
International roaming at your own expense - payment for activation of roaming services, monthly fee, roaming tariff payments are paid from the employee’s account.
Subscription fee at your own expense - one-time charges, for connecting the tariff are paid from the user's account.
Services for the “Corporate Unlimited” tariff offer - payment for activation and services is charged to the employee’s account.

Rules for distribution of expenses

An organization can distribute expenses between an individual and corporate account according to specified rules:

During working hours at the expense of the company.
Around the clock at the expense of the company.
Amount for communication.

In addition, the company can set up individual rules for the distribution of expenses. To activate the “Personal Budget” option, send a request * 993 * 3 # using the call button. To check the balance of money on an individual account, send the command * 990 * 4 # by pressing the call.

Megafon Bank personal account for individuals

Logging into your online personal account from MegafonBank and using all its capabilities is provided to customers free of charge, but for some transactions a commission may be charged according to company tariffs. Internet banking Megafon Bank for individuals allows you to:

make electronic transfers and pay bills;
transfer fines and taxes;
send requests for banking products;
view transaction data;
receive certificates and print details;
block, close, extend agreements with the bank for products;
repay loans in a timely manner and in advance.

The account allows you to link automatic payments for timely repayment of obligations, as well as fill out templates for quickly completing transactions.

How to activate the Mobile payments service on Megafon

There are several ways to connect Mobile payments:

Contact the nearest customer service office or Megafon communication store with your passport. Ask to activate “ Mobile payments ” on your number, present your passport. If the number is not in your name, you will need to present a power of attorney from the owner of the SIM card.
Contact a Megafon help desk specialist by calling 0500 from the number of this network, or by calling a single number for any telephone number 8800-550-0500 , including home landline devices. First, the answering machine will answer you and provide information about communication services, methods of connecting options, etc. Listen to its commands, and press the button with the number “ 0 ” to connect to the operator. Ask him to connect “ Mobile payments ” and provide his passport information.

The service is not activated if mobile communications are suspended for the subscriber by law, or in accordance with the Communication Services Agreement.

How to log into your personal account?

Authorization in online banking from Megafon consists of several simple steps. You can log into your personal account as follows:

open the official website of the financial institution;
press the virtual button “My Bank”.
enter your mobile phone number;
confirm the process with the password from SMS.

You cannot log into your MegafonBank personal account using a password and login. Mobile is the only means of identification. The services cannot be used by clients of other mobile operators.

Service provision procedure

The mobile transfer service is provided to the user from the time of its activation until deactivation. To make a payment, the user executes a payment command using one of the following options:

By sending a text message or requesting USSD for special numbers for relevant services.
By sending a request from the menu of the mobile application of this service.
Through the World Wide Web, by identifying the number in the section of the website for this service using a mobile phone.
In payment terminals of retail outlets via a mobile device.
Through a virtual bank card attached to the number using contactless payment technology.

Payment is not made or is suspended with notification to the subscriber using available methods in the following cases:

The above restrictions on payment amounts are not met.
Failure by the user to accept the terms of service.
Failure to receive confirmation of payment by both the operator and the subscriber.
If there is insufficient money in the subscriber's account.
If there is no connection with the bank.
Incorrect payment details.
When there is a risk of unauthorized payment.
The ban on “ Mobile payments ” has been activated on the subscriber’s number.
The subscriber has a debt to the telecom operator.
Blocking of mobile communication services for a subscriber for various reasons.

Commissions for transfers within the service

If you need to make a transfer to the account of another Russian phone, then separate tariffs are established. Their size depends on the method you use:

For numbers within the network, as well as for MTS subscribers, the commission fee is 3%.
For subscribers of other mobile operators, when using a USSD command or making a payment on the website - a commission of 8.5%.
It will be cheaper to transfer to other operators via SMS. The minimum fee is 10 rubles, commission payment is 5%.

If you need to send money to a bank card, there are two fees. Their size depends on the transfer amount:

Payments up to 4,999 rubles are subject to a commission of 7.35%. Additionally, a mandatory payment of 95 rubles will be debited.
Above 5,000 rubles, the commission will remain the same, but the additional fee will increase to 259 rubles for each transfer.

If you need to transfer funds to a bank account, there is a fixed tariff. This is 8% of the directed payment plus 40 rubles for each completed transaction.

How to turn off Megafon

Disabling this payment service is carried out by the user independently using the interfaces provided by the Megafon operator. They can be found at points of sale and customer service. In addition, you can disable this service using the following options:

Contact the Megafon information service using the single number 8800-550-0500 , or the short number 0500 from a Megafon phone. Ask your operator to block the mobile payment service and provide your passport details. Not all subscribers use this method, as sometimes you have to wait a long time for a connection with a specialist.
Contact the operator's service center or service office. At your request, a consultant will assist you in disabling the service. To do this, you will also need a passport or power of attorney from the owner of the phone number.
In addition, the “Mobile payments” option can be disabled by the operator in accordance with the contract, or in case of violation of the terms of payment for mobile communications by the subscriber.

Password recovery

The official website does not have a password recovery function. The system does not request such data at all to create an account. To log into your personal online account, you need to log in using your number and confirm the procedure with a code from SMS.

How to log in if your phone number has changed?

Using an account involves identifying a client by number. When changing numbers, you must log in using the new data. If you switched to another operator, you will have to refuse cooperation with this bank.

Subscriber reviews about Mobile payments

This service provides ample opportunities for subscribers, so many people use it and leave reviews. Most often there are positive reviews containing information about the convenience of the service, the wide range of payment options provided for utilities, Internet, communications, cable television, etc. Subscribers are satisfied with such functions on the phone. However, not all users can understand the terms and conditions of this service. Sometimes confusion occurs, as a result of which people, without understanding it, make payments with a large commission, or lose money.

If you carefully study the terms and operation of the Mobile Payment service from Megafon, the terms of its provision and all the features, you can pay for many services profitably and spend a minimum of your free time on it. Most often, negative reviews are left by subscribers who have not carefully read the rules of the service, or who incorrectly fill out the details of payment forms.