National Payment Card System proposed a motivation programme for banks when introducing bio-acquiring

The issue of introducing financial support for banks was discussed at the regular meeting of the Council of Participants and Users of the Payment Market chaired by Dmitry Dubynin, Director General of the National Payment Card System (NSPK). The meeting took place at the National Centre RUSSIA.

According to Dmitry Dubynin, the creation of such a motivation programme should contribute to the development of biometric payments in Russia.

"We proposed to the banks participating in the biometric services platform certain indicators linked to customers’ transactional activity and the expansion of the biometric payment acceptance network. Implementing the technology does require expenditure, including financial, so NSPK is ready to assist banks in implementing the project. The council members supported the measures proposed by NSPK," commented Dmitry Dubynin.

The council meeting also considered the issue of introducing interbank incentives for those participants in the Mir payment system who managed to return funds stolen by fraudsters to clients. Under the "Good Will" ("Dobroya Volya") service, the paying bank may receive a reward of 5 per cent, but not more than 5,000 roubles per transaction, from the bank to which the funds were returned. At the same time, no additional fees in favour of NSPK are envisaged.

"NSPK had previously announced this opportunity, but before making a decision we needed to discuss it with market representatives. Let me remind you that within the framework of the service, banks may voluntarily agree to return funds stolen from citizens by fraudsters. 'Good Will' has been operating since September 2023, and during this time more than 123 million roubles have been reimbursed free of charge," said Dmitry Dubynin.

The Council of Participants and Users of the Payment Market at the National Payment Card System (NSPK) was established in 2024. It brings together representatives of 23 organisations, including banks, marketplaces, fiscal data operators and other companies.

Its purpose is to ensure payment sovereignty and the resilience of Russia’s national payment market, as well as to guarantee equal and accessible conditions and balanced market development in the interests of all participants.

The main tasks of the council are to analyse market trends and to form a consolidated position when introducing innovations and technologies. Based on the results of its meetings, the council will provide the Bank of Russia with conclusions and recommendations on the development and resilience of the country’s payment market.