Federal Financial Monitoring Service wants to cut anonymous payments to 5 times

Government again expressed an interest in electronic money: the Federal Financial Monitoring Service wants to control the flow through a network of terminals, electronic payment systems and virtual "exchangers". Maximum allowable size of an anonymous payment may be reduced by five times - from 15 thousand to 3 thousand rubles. For remittances to large amounts of customers will have to identify themselves. Payments over the limit, "citizens need to be identified, that is tied to the banking operations and its own passports," reported the Russian newspaper ". Next edition brings horrific examples of the "washout" of Internet circuits ("any Internet user can be involved, not even knowing it, in the scheme of money laundering and terrorist financing") and notes that the stringent rules to regulate online payment invented by legislators taking into account comments FATF ("influential international" antiotmyvochnoy "organization of which our country is from 2003). It seems, therefore the publication announced its second reading the draft federal law "On the national payment system, planned by the State Duma of the Russian Federation in February 2011. Recall - the bill provides for the licensing of operators of payment systems, the Bank of Russia, the input of irrevocable payments in favor of legal entities (service providers and sellers of goods), limiting the amount of payments, limiting transactions overseas recipients, and monitoring of all remittances in the payment system. A year ago, it was assumed that the maximum size of the payment from unidentified taxpayer is 15 thousand rubles. This limit is nobody challenged - even members of the market of Internet trade, with high average check and accept payment through terminals. Moreover - for the year 2010, according to Json & Partners Consulting, the share of "terminal" payments for the flights conducted by units QIWI, increased by 375% in cash terms. As the "Russian Newspaper", an anonymous payment amounting to 3 thousand covers 90% of the requirements of "household" of accounts (apparently, under this definition includes mobile services and Internet access). According to the project RUmetrika, the average value of spending on online shopping in the range of 2070-3750 rubles. But orders for up to 3 thousand rubles make out, according to last year's survey The Online Monitor, approximately 19.3% of our customers. Others interviewed Russians buy in large amounts: 8,2% of the respondents - spend an average of 3-5 thousand rubles, 9,5% - from 5 to 10 thousand rubles, 10,2% - from 10 to 30 thousand rubles and 5.4% of shoppers reported the average cost of purchases in excess of 30 thousand rubles. The need for licensing and the possible appearance of additional regulators, as pointed out by representatives of some of EPS can lead to higher prices for online payments. RATEK recent initiative to abolish cash payments in online trading readers Oborot.ru (representatives of the real online shopping Runet) commented on the more emotionally. The main cause of discontent - too high maintenance costs, "bank" of payments (even a 3-5% transaction fee on plastic cards are able to "eat" a significant portion of the revenues) and the lack of consumer confidence in this (card) online payments. "Rossiyskaya Gazeta" paints the future of the Russian segment of remote payments bright colors: "In the next couple of years, the Russians will be" covered "universal social card with passport data on the owner. With their help, you can pay for communal, taxes, fines, state tax, city and cellular telephone, cable TV and Internet. The maximum spread will receive non-cash payments with plastic credit cards. And for the transfer of electronic money will be physical persons in the declarative order to receive personalized electronic keys. "