HandyBank is a reliable and secure remote banking service payment system designed for banks. It provides a full-featured internet banking platform for individual customers and offers a range of services including payment for utility bills, account transfers, and balance top-ups. The system operates as a national payment system, with each participating bank acting as an issuer of payment services.

Additionally, banks have the option to become acquirers, allowing their merchants to receive payments from customers of all participating banks. The economic model is comparable to international payment systems like Visa and Mastercard, where banks receive rewards for their customers' transactions and pay settlement fees to the system operator, while setting their own tariff rates for customers. HandyBank is a comprehensive and cost-effective solution for banks, providing new opportunities for developing remote banking services.

It can be used as a payment service for cardholders, integrated into internet banking for expanded functionality, or as a full-fledged internet banking platform. This system allows banks to increase customer loyalty, enhance communication, generate additional commission revenue, attract new customers, optimize IT costs, and streamline operational work. The HandyBank system is highly secure and regularly undergoes certification to meet security requirements.

It carries insurance coverage provided by Rosgosstrakh for customer transaction-related risks, with a limit of 3 million rubles per insurance event. Trustworthy and efficient, HandyBank is the go-to payment system for banks in Russia