The Avoska Group of Companies, in cooperation with Gazprombank, organized the acceptance of payments using the Bank of Russia Fast Payment System (SBP). The buyer just needs to scan the QR code at a regular checkout or self-service checkout and confirm the payment in the mobile application of his bank or use the SBPay application.
Compared with alternative methods of non-cash payments, payment via SBP allows ensure quick transfer of money to the company's current account, as well as reduce transaction costs.
In the first case, the generated QR code for payment is displayed on the main display of the self-service cash register, which does not require the purchase of additional equipment: the buyer only needs a smartphone to read it. Payment at cashiers is organized according to the “Cashier Link” scenario, where the buyer’s purchase amount is transferred to a plastic NFC plate with a QR code by generating and assigning the current buyer’s purchase amount to the parameters of the QR code. The NFC sign is placed in a convenient area for the buyer near the cash register, and the payer is given the choice of reading the QR code: with a smartphone camera or using contactless NFC technology.
For the convenience of managing the SBP service, the “GPB Business Online” system has implemented the “SBP Personal Account”, where companies have the opportunity to conclude an agreement to receive the SBP service, register retail outlets, and create a transaction history for a specific period, making refunds or instant payments to individuals.
“We are pleased to offer innovative payment solutions to our partners and customers of the Avoska retail chain. The service allows businesses and clients to save time and money, as well as choose the most convenient payment method. Gazprombank is one of the leaders in the implementation of high-tech products for retailers; we always quickly respond to the needs of each client and the industry as a whole,” commented Executive Vice President of Gazprombank Natalya Lyakhovich.
“The participation of large retailers is very important for the development and popularization of SBP. The service allows you to significantly reduce the cost of non-cash payments, manage payment discipline more effectively, and at the same time improve the customer experience and provide the buyer with a choice of payment methods. Gazprombank consistently supports the introduction of new high-tech products both in terms of working with clients from large businesses and in relation to the SME segment,” emphasized Natalya Zakharova, Executive Vice President and Head of the Department for Structuring and Sales of Transactional Products of the Bank.
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