The World is this a scam? Review and Customers Reviews

Why the Mir payment system?

The MIR payment system was created in 2014. NSPC JSC became its operator. The main goal of the company was to create a secure financial environment. The system makes every effort to abstract away from political and economic factors that may affect its operations. At the moment the service cooperates with more than 300 banks. For the convenience of using the system, the company’s specialists created a payment card that meets Russian and international security standards.

It can be used throughout Russia to pay for goods and services, withdraw cash, make transfers, work with payment terminals, mobile application, and manage finances contactless. According to data obtained in 2019, the system has issued more than 64 million cards, and to use payment system. “MIR is now available not only in Russia, but also in Turkey, Kyrgyzstan, Kazakhstan, Crimea, Armenia, Abkhazia, South Ossetia and Belarus. The use of its own security system makes it possible to put into practice advanced achievements, protect financial information and personal data of clients.

The MirAccept system helps simplify the payment procedure and protect the data on each transaction individually. Additional advantages include a loyalty program that allows you to get back up to 20% of the amount spent on purchases, as well as the opportunity to win cash prizes and earn income thanks to the interest accrued on the account balance.

Such clear advantages have allowed the “Mir” payment system to spread widely across the territory of Russia and a number of neighboring countries. What is actually this system? Is the Mir service a scam or a reliable partner that offers favorable terms of cooperation?

Mir payment system for sports betting

Sports betting Today occupy one of the popular positions in the world of gambling entertainment. In this regard, “Mir” cards are accepted by many betting shops both in Russia and abroad. Therefore, many adrenaline lovers and fans can use the system to bet on the game.

“MIR for buying/selling cryptocurrency

The official website of the payment system does not provide information on the possibility of using the card for the purchase and sale of cryptocurrencies. At the same time, the card allows to make payments on a regional and international level, works on a par with the leading systems. Therefore, if it is not possible to use the card directly to purchase cryptocurrencies, you can always use the services of an intermediary.

How do I use mironline.ru to pay for goods and services?

You can pay for goods and services either directly with the card or with the mobile app. You can use the card to pay for travel on the metro, online and offline shopping, and for services. The list of places where cards are accepted is constantly growing. Additional opportunities for contactless payment of services are provided by the mobile application Mir Pay, which runs on the basis of the Android operating system and supports NFC technology.

How to register in the payment system?

To register in the system, you can go directly to one of the banks that issue cards, or you can apply for a card online and then receive the card by mail, courier delivery or pick it up yourself at a bank branch. In total, at the moment in the list of banking institutions that are involved in the payment system “Mir” includes 304 banks. It should be noted that the terms of issue of cards may differ depending on the selected bank. The security is guaranteed by the national system, which allows the card to be used quite freely in the whole territory of Russia. Specially for payment of goods and services outside the country co-baying cards are issued. They are issued jointly with such major payment systems as Maestro, JCB and UnionPay.

Account type

At the moment, the payment system offers four main types of cards – credit, Debit, co-bagging, social. Kobaiding is designed specifically for use outside the country. The social one will allow pensioners, students and public sector employees to use the payment system on favorable terms.

The debit card allows you to participate in a bonus program when paying for services. The terms of use of the credit card allow you to borrow money at a low interest rate without providing additional certificates and documents. In addition, these cards have a grace period for their use.

Payroll cards have been developed specifically for entrepreneurs and businesses. In addition, the Mir system offers educational institutions to use student cards in their work.

How do I get verified?

All registration data are submitted by the user when registering a card remotely or when applying in person to a banking institution that is a member of the Mir system. No additional verification is required to use the card. When the card is received, it must be activated in the way that the specific banking institution uses in its work. You can register at privetmir.ru and link the card to your account to receive bonuses.

Deposit and withdrawal mironline.ru

Deposit and withdrawal of funds from the card “Mir” is possible within the use of the banking system in the form of transfers from account to account within the system, as well as when making transactions through payment terminals and bank branches according to specific details. In addition, you can increase the amount on the card using mobile application. You can quickly and easily replenish your account by means of payment systems “Unistream” and QIWI.

Currency of operations

The main currency of the card is Russian rubles, transactions with which are available throughout Russia. If necessary, funds on the card are converted at the time of payment.

Commission

The amount of fees, as well as the availability of one or another type of payment for services when using a card of the Mir payment system directly depends on which bank issued the card, the type of the card itself, and the services of an intermediary who may be involved in the operation. Detailed conditions and stated commission payments can be found in the bank service agreement, as well as when you personally contact the issuing bank.

Payment limits

Among the payment limits indicated on the official website is a limit of 1,000 rubles when paying for a purchase without entering a pin code.

Restrictions on withdrawals to MIR

According to the official data provided on the website mironline.ruThere are no restrictions on cash withdrawals. However, it is possible that the issuing banks may set their own limits for the cards they issue, including the amounts to be withdrawn as cash on a one-time or monthly basis.

Bonuses from the Mir payment system

A loyalty program was created especially for card users, within which they can take advantage of cashback, as well as participate in prize drawings, perform tasks and collect points to receive prizes. Additional income can be generated by accruing interest on the account balance.

Cashback applies to purchases from partner companies, including when paying for goods in children’s, cosmetics and home appliance stores, as well as insurance and medical services.

In this case, the greater the amount spent, the greater the amount of cash prizes that can be won in the online game.

The amount of the cashback can be up to 20 percent. To get it, you need to register and link your card at privetmir.ru.

Reviews of the “MIR” payment system

The system has worked for a long period of time, which allowed users to get acquainted with its advantages and disadvantages. Among the main pluses are the following:

• usability;
• widespread dissemination of the system;
• security;
• availability of mobile banking;
• the ability to pay abroad.

The disadvantages include: the cost of service, problems with the execution of transactions when paying online, poor operation of the mobile application. In addition, the complaints of many users are caused by the fact of forced transition to the “Mir” payment system by public sector employees, pensioners, military personnel, and students.

If there are any reviews about the “Mir” payment system, we will definitely publish the information in social networks. Sign up so you don’t miss anything!

Please keep yourself informed about news and complaints. We copy the most valuable information to social networks, so please sign up!

Regulation and license of NSPC JSC

The relationship between the parties is governed by key and supplemental legal provisions. Key information can be found in official sources, where laws, decrees, and regulations are set out, as well as on the official website mironline.ruwhere the rules of the payment system are presented.

License

In 2017, NSPC JSC successfully passed the procedure of compliance assessment with the international payment card industry data security standard (Payment Card Industry Data Security Standard/PCI DSS 3.2), which was confirmed by the certificate obtained. The company was officially registered back in 2014, which is confirmed by the license No. 045-13951-000001.

• Documents from mironline.ru: “Mir SAR Rules” (See), “Interbank fees in the Mir PS (See), “Tariffs (4.0) for Russian participants” (See).

User Agreement mironline.ru

As such, there is no user agreement on the official website of the company, because when issuing payment cards, many conditions of their use are regulated by an agreement with the issuing bank. To get information about the features and advantages of using the Mir payment system, one can study the rules of the payment system. The introduction states that the system is a set of work of individual institutions. NSPC JSC is the operator of the system, while the functions of the settlement centers are performed by the Bank of Russia and VTB. Any credit institution that meets the requirements of the system may enter the system.

The operator may terminate the participation of any member of the system for good cause.

At the same time, it should be taken into account that the issuer is obliged to perform specific functions.

Types of authorization are listed in paragraph 8.3.3.

Information about commissions is presented in paragraph 8.3.7.

The reasons for withdrawal of the card are listed in paragraph 8.5.

The procedure for calculations is described in paragraph 9.10.

Customer Service

For interaction with users, rapid resolution of issues that arise, as well as troubleshooting created a support service. Today you can contact the company by one of the most convenient ways:

• Call: 8-800-100-54-64 toll-free, 24 hours a day.
• In social networks: VKontakte, Odnoklassniki, Twitter, Facebook, Instagram, Telegram.
• Using one of the messengers: Viber, WatsApp.
• Through the feedback form.
• By e-mail: [email protected].

Is the Mir payment system a scam?

Analysis of all the data collected showed that the Mir payment system – is not a scam. This system has been actively used in Russia for many years. It has both advantages and disadvantages. Using the system cards allows you to get bonuses and prizes, cashback, as well as freely manage their own funds. Along with the advantages, users note some disadvantages, which are often associated with the technical solutions used. The software does not give full freedom, there are failures in its work, and some operations remain inaccessible at all.

As for the direct use of the system, it is focused on the Russian market, but it can also be used outside the country. The list of banking institutions that work with the Mir payment system currently includes more than 300 banking structures, as well as numerous educational institutions, pension funds, stores, cafes, entertainment and shopping facilities. In addition, the system can be used to perform key functions such as payment for goods, services, purchases, making transfers online, using terminals, and receiving payment for work performed.

Conclusion

In conclusion, I would like to note that the Mir payment system is still quite crude in terms of the software products used, which brings certain inconveniences to its users. At the same time, it is quite secure and widespread, which makes it possible to actively use the service even now. Orientation to the Russian market and certain social categories, availability of bonuses, cashback allows using its advantages to the full extent in the most convenient way, including for betting on sports or receiving additional income, which is credited to the account balance. In general, the Mir payment system can be called one of the possible alternatives to the existing global payment systems, which can perform many of its functions and be used locally or internationally.