The material will be useful to those who start a business that involves accepting payment on a website or in a mobile application. The Main Mine service has collected information about the functionality and tariffs of 10 online payment services popular in Russia. Information was collected from official sites, as well as from service representatives.
In the beginning, we will tell you about the basic concepts, so those who are impatient or familiar with the topic can immediately skip to the item "Features and conditions"
- Terminology
- Sample
- Functionality and conditions
- Billing
- Ready-made solutions
Considered payment instruments
The most popular payment solutions in Russia have been selected:
- Bank cards VISA, MasterCard, MIR are the most widespread and universal means of payment. All considered payment providers have the same commission for these systems. Systems that are more exotic for Russia, such as UnionPay, JCB, American Express, are usually subject to a higher commission.
- Electronic money Webmoney is an irreplaceable means of payment if you have a freelance exchange or other service for self-employed on the Internet.
- Electronic money VISA QIWI Wallet - if you work with an age audience and / or the most remote places in Russia, you should take a closer look at Qiwi: you can work with it through a developed network of payment terminals or a mobile phone account, you can not use the Internet at all.
- Electronic money Yandex.Money is simple, convenient and popular.
Terminology
- Merchant is an enterprise, individual entrepreneur or individual that connects an online payment service.
- A payment aggregator is an intermediary that allows you, within the framework of one agreement, to accept several payment instruments for payment that work through its payment gateway. The aggregator concludes an agreement with payment systems, you conclude an agreement with the aggregator. It is also possible to conclude a trilateral agreement with the payment system. Recommended for start-up businesses - fewer integration problems and less paperwork. The aggregator adds its commission to the PS commission, but receives a large discount due to the turnover, so direct connection at the initial stage is not always a more profitable solution.
- Payment gateway - an intermediary that provides a direct connection to the payment system, all transactions go through the intermediary's gateway. You have an agreement with an intermediary, with an acquiring bank and with all PSs that you plan to accept.
- Payment integrator is an intermediary that provides a direct connection to the payment system, and all transactions go directly through the bank's system, and the payment gateway is also on the bank's side. You have an agreement with an intermediary, with an acquiring bank and with all PSs that you plan to accept.
- Internet acquirer is a bank that provides a service for accepting cards. Direct connection to the bank is justified at high turnovers. It makes sense for large businesses to connect directly to several banks for card acquiring by the issuing bank in order to receive an additional discount.
- KKT - cash register equipment, in this material online cash register or cloud cash register, corresponding to 54-FZ
- OFD is a fiscal data operator that transmits information about sales to the Federal Tax Service
- Refund (English) - voluntary return of payment by the merchant to the buyer at the request of the latter.
- Chargeback is a transaction contested by the merchant's client, in which the issuing bank returns the payment to the client by forced debiting from the merchant's or payment provider's account, depending on the terms of the agreement.
Sample
For the review, we have selected popular services that:
- participate in various ratings,
- place rates in the public domain.
Let's take a quick look at:
- Service Type,
- fresh positions in the ratings,
- peculiarities,
- decisions on amendments 54-FZ.
A little about the last point: according to the latest changes in Russian legislation, online stores are required to transmit data on sales to the tax service online using a cash register connected to the Internet. Can we say that the payment is accepted by the online payment service? No. In this regard, the majority of merchants are faced with the question: how to integrate CCP and a payment intermediary. Let's see what solutions the services offer.
Internet acquiring of Freedom Finance Bank
Unlike large credit institutions, a small modern private bank can provide premium service and an individual approach to each client.
Freedom Finance Bank, a division of the investment company of the same name (one of the top 10 brokers in Russia, listed on the Nasdaq), offers favorable conditions for Internet acquiring, while processing the necessary documents takes a minimum of time.
To activate the Internet acquiring service, a company does not even need to have a current account with Freedom Finance Bank. There is no need to buy and integrate your checkout, everything comes out of the box with the necessary settings.
The Bank supports payments by cards of the most popular payment systems: Visa, MasterCard and Mir, while using its own technological platform and its own solution to prevent fraudulent transactions. The service complies with PCI DSS security standard and also uses 3-D Secure ™. When a customer pays for purchases, the money is credited to the account instantly, the same applies to returns - so the company does not face difficulties at the end of the billing periods.
One of the main advantages of the service is simple and fast connection, the client will only need to take a few minutes to fill out the application, the bank will do the rest. Connection is completely free, and you can use the service on the day of application. Moreover, the client can fully integrate the platform into the structure of his site. The payment page allows you to customize the design in accordance with the corporate identity of the company.
Internet acquiring management is available in the bank's mobile application. By the way, subject to the requirement for the minimum trade turnover, Freedom Finance Bank connects, together with acquiring, cash and settlement services and an Internet bank free of charge.
Leave a request on the bank's website and appreciate all the benefits of cooperation:
- Individual approach to your business
- Extended statistics on transactions in your personal account
- Instant credits and instant refunds
- Possibility of integration with the client's CRM system, displaying the order status
- Using your branding on the payment page
- Setting up commission write-off: from a client, from a store, combined
- High security standards: PCI DSS and 3DSecure. Client protection from repeated write-offs
- Accrual of interest on the balance of funds on the current account in Russian rubles with FFIN Bank (if there is a valid Internet acquiring agreement)
The bank has flexible tariffication for this service, depending on the category of purchased goods and the use of certain payment systems, the minimum commission is only 0.9% of the transaction amount.
FONDY is a payment system that allows you to connect a variety of payment methods to a website or mobile application, expand the ability to control payments, and improve security. Having started working with the platform, the businessman will provide clients with the opportunity to pay for orders in one of 30 currencies.
You can accept payment by bank cards, electronic systems, Apple Pay mobile wallets. Connection to the payment acceptance service is free: you can add a button for payment, use the payment module or online invoicing. Convenient analytical tools are available to monitor the financial condition.
Each user of the payment platform gets additional opportunities for business expansion:
- synchronization of payment processes with API — integration to automate all stages of payment;
- freezing funds on the client's card for up to 25 days, which the entrepreneur can write off or return in one click;
- automatic filling of details, if the client applies again;
- connection of regular debiting of funds on a set date for services that work by subscription;
- protection using a proven anti-fraud system, 3D-Secure technology and SSL / TLS encryption.
To control payment transactions, regardless of location and time of day, a mobile application has been developed. The user can study the financial condition of the company, conversions, individual transactions. As a result, the use of one platform replaces dozens of services, simplifies transaction processing, and provides access to international markets.
AllPayments (NPO "Perspektiva" (LLC))
Work format:
A universal payment gateway allows you to accept payments on your website under an Internet acquiring agreement. All you need to do is to agree on the appearance of the form and place the code for paying for services on your website.
The payer (your user) chooses a bank card payment method, enters the payment data and goes to the card data entry form. After exchanging requests with the acquiring bank and payment systems, the gateway transmits information about the payment status to the user and the merchant (successful / unsuccessful, in case of an error - a description of the error).
All operations carried out are monitored by the merchant in a convenient personal account online.
Despite 6 years of experience in the field, NPO Perspektiva launched the Internet acquiring service only this year, and therefore has not yet been featured in the ratings. The offer has been developed in full accordance with the clients' requests. The company enters the market with favorable rates and is very flexible in its approach to the needs of its clients.
54-FZ: The recipient of funds under an agreement with the merchant is the NCO "Perspektiva", which allows you to legally accept payments without CCP from the merchant. Storage, encryption and protection of fiscal documents takes place on the side of Perspektiva NPO. Payment orders are sent daily to the Bank of Russia. If necessary, all the necessary documents are provided to the merchant.
Possibilities and features:
- Favorable rates: from 0.8% to 3.5%, depending on the monthly turnover of the merchant and the field of activity. Details are discussed individually.
- Own anti-fraud system.
- Super convenience for the payer: autocomplete, hints, input masks, auto-check of the card type, field validation.
- Easy payment from mobile devices due to responsive layout. The data entry page adapts to the width of the screen.
- The product looks completely yours - your logo, personalization, contacts.
- Friendly and professional support 24/7/365 for both merchant and payer.
- Personal manager and prompt solution of any tasks, regardless of the amount of turnover.
- Security license of international payment systems Visa and MasterCard PCI DSS (Payment Card Industry Data Security Standard).
- Specialized License of the Central Bank of the Russian Federation for banking operations with funds in rubles for payment non-bank credit institutions No. 3532-K dated July 21, 2015.
NetPay
Payment aggregator.
4th place - Internet Acquiring Rank 2016 (research by Markswebb Rank & Report).
54-FZ: the merchant needs to purchase a CCP compatible with his CMS, or conclude an agreement with ATOL (a joint solution has been developed), and conclude an agreement with the OFD. If your order status is not automatically changed to "paid" when you receive information about a successful transaction from NetPay, the company's specialists will configure the event on their own.
Peculiarities:
- There are no limits on the amount of transactions.
Payture
International Processing Center (LLC "Payment")
A joint solution with the cash register manufacturer PayKiosk and the Orange Data online cash register service includes:
- Providing online checkouts;
- Fiscal accumulator for each cash register;
- Internet acquiring, alternative payment methods and modern payment instruments Apple Pay, Android Pay and MasterPass by MasterCard, all transactions, regardless of the payment method, are processed by online cash registers;
- Installation of cash registers with FN on secure orange data servers;
- Connection to OFD-Y for the transfer of fiscal data;
- Sending online checks to the Federal Tax Service in real time;
- Sending an electronic version of the check to the buyer.
Scheme of work
Services and opportunities
- Internet acquiring in Russia and around the world, cross-border payments
- Processing and settlements in local currency in the CIS, Europe, the USA and the Middle East
- Alternative payment methods
- Apple Pay
- Android Pay
- Masterpass by Mastercard
- Own antifraud
- Online lending
- Holding funds
- Recarring
- Refunds
- Payments to cards to individuals
- p2p transfers
- Marketplaces
- Online cash desks (54-FZ)
- Ready-made modules for integration with the 7 most popular CMS
Bid
From 0.7% to 4% depending on the line of business, turnover and method of payment
PayAnyWay
Payment aggregator (NCO MONETA.RU).
The base rate was recently lowered from 2.9 to 2.7%, and starting with a turnover of 3 million rubles / month from 2.7 to 2.5%.
- 6th place - Rating of payment aggregators 2016 (Tagline research),
- 3rd place - Internet Acquiring Rank 2016 (research by Markswebb Rank & Report),
- 1st place - Rating of payment aggregators 2016 (Shopolog research).
54-FZ: we have prepared an SDK and a plug-in "Cashier module" for popular CMS, which also works with ATOL Online and Module.Checkout and allows you to send information about paid orders and returns to the customer's cash register.
Peculiarities:
- Connection from 1 day.
- An API that allows trading platforms to build settlements between buyers and suppliers on their side in such a way as not to participate in them: all settlements and internal billing are provided by PayAnyWay, and the platform has the ability to manage funds, incl. to conduct secure B2C or C2C transactions. Trading platforms are not a participant in settlements, they do not become a paying agent.
With this scheme of work, the site does not fall under 54-FZ and is not obliged to knock out a check.
PayKeeper
Payment integrator.
6-7th place - Internet Acquiring Rank 2016 (research by Markswebb Rank & Report).
54-FZ: PayKeeper can work in the mode of automatic transmission of data on payments to the operator of fiscal data through integration with one of the cloud solutions: ATOL Online (3000 rubles / month, cloud), PayKiosk (1600 rubles / month, cloud), Class365 (350 rubles / month, need at your own checkout).
Peculiarities:
- The lowest commission due to the use of a technical solution on the bank's side.
- There is a connection fee.
Payler
- 24/7 support for the merchant and the buyer.
- Supports AndroidPay.
54-FZ: Cooperate with ATOL. Scheme of work: the merchant sends the data on the purchase made to Payler, Payler sends the data to ATOL, ATOL sends it to the Federal Tax Service, OFD and the buyer.
PayMaster
Payment aggregator.
Webmoney project, ready to offer the best commission for accepting the e-currency of the same name.
According to the Market Adjustment Research Center (MARC), as of Q4 2016, 1.9% of Runet sites that accept online payments are connected to PayMaster.
- 12th place - Internet Acquiring Rank 2016 (research by Markswebb Rank & Report),
- 4th place - Rating of payment aggregators 2016 (Shopolog research).
54-FZ: provides interaction with the OFD, sellers of cash register and FN, if necessary, organizes the receipt of an EDS. Clients can leave a request for connection - determination of the number of CCP, FN, technical integration is carried out by PayMaster, ready-made modules for CMS are at the upgrade stage.
Peculiarities:
- The lowest commission for Webmoney.
PayOnline
Payment gateway.
- 2nd place - Rating of payment gateways 2016 (Tagline research),
- 5th place - Internet Acquiring Rank 2016 (research by Markswebb Rank & Report),
- 8th place - Rating of payment aggregators 2016 (Shopolog research).
54-FZ: a personal manager will help integrate the business with the ATOL cloud cashier, CMS modules in the process of updating.
Peculiarities:
- Possibility of routing payments even in Europe (PayVision partner).
- Payment on credit with payment to the merchant in full the next day.
Robokassa
Payment aggregator.
One of the first payment aggregators in Russia, the second most widespread after Yandex Kassa, to which he gave the palm in 2016, largely due to problems with Ocean Bank.
According to the Market Adjustment Research Center (MARC), for the IV quarter of 2016, 10.3% of Runet sites that accept online payments are connected to Robokassa.
- 2nd place - Rating of payment aggregators 2016 (Tagline research),
- 27th place - Internet Acquiring Rank 2016 (research by Markswebb Rank & Report),
- 7th place - Rating of payments new aggregators 2016 (Shopolog research).
54-FZ: prepared several options:
- When using Robo.market: the service acts as an agent for attracting buyers to the product, the use of CCP is not required.
- Payment can be made by bank transfer at the order of an individual. This will require a change in accounting. The use of CCP is not required.
- Integration with cloud-based cash register from ATOL.
- For merchants who have purchased CCP modules for CMS will be updated for correct operation.
Peculiarities:
- Its own free marketplace that saves the merchant from problems with 54-FZ.
- Free customer support for buyers 24/7.
- They work with individuals.
Wallet One Checkout
Payment aggregator.
According to the Market Adjustment Research Center (MARC), for Q4 2016, 3.6% of Runet sites that accept online payments are connected to Wallet One.
- 7th place - Rating of payment aggregators 2016 (Tagline research),
- 19th place - Internet Acquiring Rank 2016 (research by Markswebb Rank & Report),
- 3rd place - Rating of payment aggregators 2016 (Shopolog research).
54-FZ: decision in preparation.
Peculiarities:
- There is a C2C solution for exchanges "Risk Free Trade".
- They work with individuals.
- There is full integration with Viber.
- Setting up roles in your personal account.
Yandex Checkout
Payment aggregator.
Yandex.Money project. Able to offer the lowest commission for accepting Yandex.Money for obvious reasons.
According to the Market Adjustment Research Center (MARC), for Q4 2016, 29.6% of Runet sites that accept online payments are connected to Yandex.Checkout - this is the highest indicator.
- 1st place - Rating of payment aggregators 2016 (Tagline research),
- 2nd place - Internet Acquiring Rank 2016 (research by Markswebb Rank & Report),
- 5th place - Rating of payment aggregators 2016 (Shopolog research).
54-FZ: cooperate with ATOL Online. If the CCP is registered with the tax office and there is an agreement with the OFD, the merchant will be able to switch to an extended protocol that allows transferring checks to the OFD, as well as making refunds. Modules for popular CMS will be brought in line by July 1. If you do not integrate payment with the site, it is enough to indicate the type of CCP used.
Peculiarities:
- Possibility to pay by QR code.
- Integration with other Yandex services via Y.CMS: Ya.Metrika (for collecting data), Ya.Market (for placing goods according to CPC and CPA models).
- Free SSL certificate.
- AndroidPay support.
- Integration with JivoSite, Viber, Telegram.
Tinkoff
Acquiring bank with its own processing center. Usually banks are not eager to work with small businesses, and even on a relatively low-margin service, which is Internet acquiring for them. Tinkoff Bank declares attention to small businesses, innovation and openness. On the website of the bank, one of the few, you can see open rates for Internet acquiring, so we include it in the review. Tinkoff does not accept electronic money for payment, but promises to fix it by the end of the year.
The bank has two tariff scales: basic and basic with extended support. The latter has a higher commission, but the bank employees help you with consultations for the first 6 months, but you still have to make the connection on your own. After 6 months, you are automatically transferred to the base rate, the commission of which is used on the charts.
24th place - Internet Acquiring Rank 2016 (research by Markswebb Rank & Report).
Recently, I have been increasingly asked about payment systems and payment system aggregators that work with individuals. Since they ask, I decided to delve a little deeper into this issue and talk about it on the pages of my blog.
A little about the essence of the question:
Since Federal Law 54 entered, which says that it is necessary to use online cash registers everywhere and everything. The people wondered if it was worth paying 50,000 a year for this dubious pleasure. And they began to slowly look for alternatives to one of these alternatives is the diversion of payments on the site to the area of physical. persons. The second argument in this matter, I want to start, understand what's what and generally try, what an online store is, and so far I don't need these troubles with cash registers, but I somehow need to accept payments.
As part of this article, I will try to list the services and alternatives for individuals.
Classic payment aggregators
In fact, there are few alternatives left on the market, since everyone needs the following parameters: card payment, fast connection and stability. After cleaning up the aggregator market, there are essentially two alternatives left:
Robokassa is one of the oldest payment aggregators and one of the most popular in its time, it was ruined by delays with banks and at the same time one of the highest fees. Now physical. the person will have to pay about 9% in order for the money to be on his account. But there are not many alternatives to Robokassa.
Nextpay - is gaining momentum in connection with Federal Law 54. Since he is perhaps the only one who provided a more or less effective system for legal entities. persons., which does not require beating checks. The aggregator also works with physical. by persons on terms comparable to Robokassa about 9% commission and money in your account.
This is where the story about aggregators can end, you need to understand that there are actually more of them, but there are not so many really working according to this scheme, since the alternatives have essentially stopped working with Russia or are experiencing some technical difficulties. You are unlikely to be satisfied with a system that cannot accept payment.
Direct payments
Recently, I began to observe a shift towards direct payments. What it is? This is when you give up the services of an intermediary in the form of a payment system, switching to direct interaction with the payment system. The advantages of this approach are that the cost of payment is reduced, since you and the client pay only the service commission. The disadvantages of your money are scattered over a bunch of wallets and services that you can’t collect with a low commission for you. But I want to note that the commission in most cases will be lower than that of the aggregator.
Bootpay is not a service, but a whole CMS, your individual aggregator, which is installed on your hosting and processes for you, you customize it and bingo, payments go directly to your wallets, I would like to note how the system works with bank cards, does not use Yandex money, or Qiwi, to transfer money from the card to your wallet. A very interesting system. The paid system at the time of publication cost $ 18.
Cons of the system: there are no integrations with the CMS, that is, the data remains in the system for now and that's it, but I think this is a solvable issue.
Nigmapay is a very interesting direct payment service, it works on the principle of Bootpay, but it is a service, that is, you do not need to deploy your infrastructure. Bank cards are accepted through the Yandex Money service.
Pros: there are already integrations with the CMS, you don't need your own infrastructure, according to the statement of comrades from Nigmapi, there is a completely free tariff.
Cons: Few modules / integration plugins yet.
Using only one payment system
I decided to finish writing about accepting payments through some one payment system. Which pretends to be a web wallet.
Qiwi - Qiwi has a pretty decent tool that allows individuals to accept payments, called "Personalized Wallet". Approximately 5% and the money in your bank account is excluding the use of a Qiwi bank card. The advantage is that you can accept both Qiwi and bank cards, well, Qiwi terminals and mobile operators are in the load, in fact, they can replace everything that is on the market.
Yandex money is an equally powerful alternative, it allows you to accept: cards, Yandex money and payments from mobile operators. Approximately 4% commission and money in your account, you can reduce costs up to 1% if you use a Yandex Money card.
In the article, I am not talking about Webmoney and other wallets, since you need to understand that webmoney is only for webmoney, and other wallets profess the same principle, or they roll out completely unlikely commissions comparable to Robokassa
In general, any system for accepting funds works like this:
- a request is received from the Internet resource with the amount of the payment (most often by the method of redirecting to the website of the payment instrument);
- the buyer enters his data and the system makes the payment;
- funds are transferred to the seller's accounts within a few days, minus the service commission.
To start accepting payments on the site, you need to select a payment acceptance system, conclude an agreement and carry out technical integration. It is important for an entrepreneur to understand how different means of accepting payments work, as well as what influences their choice.
What do you need to know?
Commission
Of course, the services of payment acceptance systems are not free for the business owner. Usually a fixed% of the amount of each transaction is charged, on average 3%. However, depending on the type of your business, monthly turnover and the connected method, this rate may vary. For example, high-risk categories can connect card payments on the site for at least 5-6% and not all payment partners, while a standard online store will most likely receive a 3% rate.
It is also important to understand the restrictions on turnover: most large payment acceptance systems have special conditions for sites with a turnover of> 1 million rubles / month. And vice versa, you will not be able to connect to a large acquiring partner if only 50 thousand rubles pass through your site in a month.
Most often, the commission is charged from the online service, but some payment acceptance systems for online stores offer to set up a commission withdrawal from the buyer. Those. the amount of payment for you in the site catalog does not change in fact, and the buyer pays a little more.
Sometimes there are payment systems with a monthly fee, without% from each transaction. If purchases on your site are not made every day, we recommend that you bypass such solutions as they are absolutely not beneficial for you. Similar to a paid connection: often newcomers to retail go from partner to partner during the first time the site is open. Of course, you will not want to lose the amount spent at the start.
Connection
Regardless of the type of payment acceptance tool, there are several connection options to start accepting payments on the site.
A) Directly - you conclude an agreement with each payment system separately. This often allows you to access the best commission rates, but it takes more time if you need several different options.
B) Through an aggregator - you can conclude one contract, carry out one technical integration and start accepting payments on the site in several ways at once. Unfortunately, the commission rate in this case will be 0.5-1.5% higher than with a direct connection, but you will save time, as well as resources - often payment integrators have much better developed customer support, especially small businesses.
Technical integration
Integration does not in any way increase the cost of service in the payment acceptance system, the commission is charged only for payments. However, the integration option affects the convenience and conversion of the payment process on your website.
The easiest option would be to connect via redirection to the payment partner's website. With this option selected, your technicians will not have to configure almost anything - you can start accepting payments on the site in a few minutes! Note that this is the most inconvenient and distrustful option for the user, which will not have a very positive effect on the conversion into a successful payment.
However, if your site is implemented on one of the popular CMS, pay attention to systems or aggregators that have special modules. Thus, you will discover more possibilities for fine-tuning (customization) of the payment process on your website.
And finally, if you have a staff of programmers and your site was written from scratch, it is reasonable to connect via the payment system API. This option will require more time to connect, but in the future it will allow you to maximize conversion through closer integration into your site: embedding a payment form into your page, entering part of the data for an operation in your interface, no redirects, and other options.
What payment systems are there on the market?
So, let's look at the main types of tools:
Internet acquiring
Acceptance of payments from bank cards. The most popular and convenient way to receive payments on the site. Direct connection to banks is almost impossible for small businesses. Therefore, we recommend using the services of aggregators or processing centers (in fact, a separate category of aggregators specializing in card transactions).
If you want to connect to the bank directly, compare the rates of banks for Internet acquiring. If you need a greater variety of payments, check out the TOP of payment aggregators.
Internet wallets
The most numerous class of payment systems. The user creates a "wallet" (account) in the system, specifies personal data and gets access to payment for goods, services, transfers of individuals. persons. If such a payment method is connected to the site, then upon payment, the payer is invoiced to the system for payment. During the payment process, Internet wallets may ask for additional confirmation of the transaction, similar to 3DSecure in acquiring transactions. For Internet wallets, legal restrictions on the amount of payment (Federal Law 115) are valid: no more than 15,000 rubles. for payers who have not gone through the identification procedure.
The most popular Internet wallets in Russia are Yandex.Wallet, WebMoney, QiwiWallet, WalletOne, EasyPay. The most famous international electronic currency is Bitcoin.
Payment terminals
A very expensive payment method: commission rates can exceed 10%! However, in remote settlements, it is often possible to pay for a purchase online only through an offline terminal. The most important parameter of a terminal network is coverage geography.
Please note that refunds for this payment method are very difficult and your customers will have to wait about a week for a refund. In addition, for terminal payments, there is also a limit on the amount of a one-time payment: 15,000 rubles. Nevertheless, there are cases when the connection of such a payment system for the site allows you to significantly expand business opportunities.
Postal services
An additional way to expand the geography of purchases is to connect the Russian Post or delivery services. Payment for the purchase occurs upon receipt of the order. It is more reasonable to implement such a method of making a payment through an aggregator: restrictions on the turnover are possible and are quite complex from the point of view of API implementation.
Internet banking
The payment method in terms of the payment process is very similar to Internet wallets, but it has a peculiarity: the invoice is not made to the wallet, but to the payer's bank account.
Many payers prefer this payment method, since they do not need to enter card details, which is not always secure. Unfortunately, direct connection is often not available for small stores due to the limited monthly turnover, similar to the Internet acquiring connection.
Payment from mobile phone balance
For small amounts of payments, it is very convenient to pay from the phone balance. This payment method is especially often used in gaming services. There are several payment options.
There are a number of mobile payment providers that act as intermediaries between the mobile operator and the seller of the service. Each provider has its own system of tariffs and settings for each operator and region. When connecting through an aggregator, the store becomes available to several payment gateways, depending on the needs of the business. For all types of payment from a mobile phone, there are limits on a one-time payment, usually in the range of 1-5000 rubles.
Cash
Even taking into account the statistics of the increase in the turnover of card transactions in recent years, some still prefer to pay for goods and services in cash. Such services are often provided by communication salons, for example "Svyaznoy" and "Euroset".
Lending
A new payment method on the market for the site: buying goods on credit with confirmation of a loan from a bank online. The store integrates with the service provider or aggregator. During the purchase process, the client provides all the data required by the bank and receives a preliminary loan approval. The contract is concluded within a few days without the participation of the store. After the successful issuance of a loan, the bank notifies the store via API, and the client receives his order.
So, we examined the basic concepts of accepting payments via the Internet. We recommend connecting only 2-3 popular payment systems, which will allow you to accept payments through the site from the largest part of your audience. Alas, novice business owners often make the same mistake: they spend a lot of time connecting all possible options, when they could only set up accepting payments from bank cards and start making a profit at the very beginning of the Internet service.
