How to disable Yandex cash register. Yandex.Checkout as an online cash register for organizing payments: what you need to know

Various online stores and virtual services today it is a fairly popular and rapidly developing line of business that attracts not only legal entities (LLC, PJSC), but also individuals and individual entrepreneurs. However, this vector of activity hides a great complexity: how to organize a system of payment for goods and services? Of course it is possible to develop own version. But why reinvent the wheel if it exists? convenient service- "Yandex Cashier"? It is also available for individuals. We will understand the intricacies of its operation and the advantages of using it. We will also introduce detailed instructions by connection.

What is this?

First, we will look at what Yandex Cashier payments are. This is the name of the domestic payment aggregator. In other words, a service that accepts payments from buyers and consumers of services in favor of individuals and legal entities. The latter can be online stores, cafes, charities, utility companies, training centers, etc.

The Yandex Cashier service (including for individuals) is available to organizations and entrepreneurs registered in the Russian Federation and neighboring countries. But payments can be made to them by clients from all over the globe.

The aggregator dates back to 2013. Directly managed by the Yandex Money payment holding company. Expert research for 2015-2016. They rate this payment solution as the most popular in the Russian Federation. Statistics show that about 30% of Russian websites (online retailers, portals public services etc.) settled on this particular calculation system.

How do payments and withdrawals occur?

The advantage of Yandex Cashier (there are restrictions for individuals) is that buyers and consumers can choose any of the bill repayment options that are convenient for them. This sets the service apart from its competitors. How to transfer money:

• Through a bank card.
• Through "Yandex Money" and other popular electronic wallets.
• Directly through portals and mobile applications such well-known corporations as Alfa Bank, Sberbank, Promsvyazbank, etc.
• Through your own telephone account mobile number.
• Through contactless technologies(For example, Apple Pay).
• Cash payments through 250,000 collection points distributed throughout Russian Federation and other states.

An entrepreneur can withdraw money from the account twice a day. It is important that Yandex Cashier cooperates with stores only in full compliance with Federal Law of the Russian Federation No. 54 (on online payment). That is, an individual entrepreneur or LLC must provide reports on each payment received through the system to the tax office. Otherwise, the entrepreneur is fined or his business is closed.

Functionality

The list of Yandex Cash register functionality (they are also available for individuals) is constantly growing. Let's see what the payment aggregator can do today:

• Issue invoices via messaging apps, chats, SMS, and email.
• Connecting automatic payments (automatic debiting of funds on a certain day).
• Linking a bank card to a Yandex account (the buyer does not need to enter data from it every time).
• Pre-authorization services. In other words, freezing funds in the client’s account as part of the prepayment. Subsequently, this amount is immediately written off at the command of the store or service provider. Very relevant for those whose work may require a quick refund to the client.
• Payment is available both “here and now” and on credit or in installments.
• Latest Options: "safe transaction", mass payments, accepting payments through Telegram and Viber messengers, through mailings emails and online consultation chats on websites.

Main advantages of the service

In 2017, the Yandex Cashier service for individuals, LLCs, PJSCs and government organizations was recognized as a leader among its peers. In some ways, success was also associated with the popularity of its “big brother” - Yandex Money.

The main advantages are the following:

• Easy sending of statistics on profits received to the tax office.
• Comfortable Personal Area.
• Maintaining statistics on income and transfers.
• Big choice ways for clients to pay their invoices.
• Relatively small commission (from 2.8 to 3.5%).
• The ability to make mass payments using prepared templates.
• Sending invoices to clients - a wide variety of methods (messengers, SMS, chats on your own website, email).
• Ready-made standard modules.
• Reliability and security of payments, guaranteed by the authority of the Russian corporation "Yandex".
• The refinement of the technical side of the issue (this is reflected in many years of experience in the functioning of the Yandex Money system), big number corporation servers).

Disadvantages of the service

Reviews of Yandex Cashier for individuals also highlight annoying disadvantages of cooperation with this service:

• Restrictions on payments in cooperation without drawing up an agreement.
• Availability of commission fees in tariffs for transfers and withdrawal of funds.
• Possibility of linking only one site.
• Difficulties in creating a payment form for those entrepreneurs who do not have web programming skills.

Is it possible not to register an individual entrepreneur?

Important Feature: To connect Yandex Cashier to your online store, you do not need to register an individual entrepreneur or LLC. However, this convenient opportunity entails a number of restrictions on using the service:

• Increased commission for withdrawal of funds (3-6%).
• Withdrawal only to Yandex Money. If the entrepreneur’s wallet is lower than his personal status, then transferring funds further to a bank card is impossible.
• Two options for paying bills for the buyer.

"Yandex Payment" - what is it?

"Yandex Payment" is a simplified "Yandex Cashier". For individuals, the principle of its operation is simple: the buyer or consumer actually replenishes it instead of an individual entrepreneur online wallet("Yandex money").

Another important advantage of connecting to Yandex Payments is that for this service you do not need to confirm your identity or fill out a cooperation document. The entrepreneur is required to register in the Yandex Money system, connect to Yandex Payment, and draw up a payment form for his clients.

How to transfer money? Consumers and buyers can pay bills in the same ways as with Yandex Cashier - through a bank card, electronic wallets, etc. The entrepreneur has the opportunity to withdraw funds only from Yandex Money to a bank card with a commission of 3% (+ 45 rubles).

Registration in the system for individuals

Let's look at how to connect Yandex Cashier for individuals:

1. Open home page"Yandex Money".
2. Click on "Create wallet".
3. You can register it through your profile on one of the social networks or choose the option of creating a login and password.
4. After registration, all you need to do is confirm your email address - follow the email with the link.
5. Log into your personal account in the Yandex Money system, click on “Accept payments”.
6. Select one of the options for what you want to see on your site. The simplest one is the standard “Form”. You can also choose “Button” or “Custom” (if you are strong in web development).
7. The designer will ask you to enter information into the form, which will be reflected on your website. Attach a bank card to your cash register to withdraw funds from clients.
8. Copy the code provided to you by the system.
9. The code can later be inserted into your own web resource. This is enough for it to work properly.

Note that the created wallet has the status “Anonymous”! This means that you can only store up to 15 thousand rubles on it. Users note that it is not uncommon for the system to delete anonymous wallets along with the funds stored on them.

Therefore, to secure your income, upgrade your status to “Name”. To do this, just send a scan of your own passport, following the system prompts. With “Name”, the volume of the wallet grows to 60 thousand rubles. In addition, such a profile is not deleted due to prolonged inactivity.

Further expansion of the capabilities of the Yandex electronic wallet is already paid. This is the “Identified” status, which allows you to save up to 500 thousand rubles on your account.

Analogues

Of course, the Yandex Cashier service is not the only one of its kind. It was created following the example of existing foreign analogues. Among the most convenient and safest in their environment, users identify the following:

• Unit Pay.
• RoboKassa.
• Wallet One.
• Payeer.

"Yandex Cashier" is a convenient payment service created specifically for virtual stores and online service providers. To connect your business to it, you do not need to register an LLC or individual entrepreneur. However, this imposes certain restrictions for cooperation, does not allow to use functionality systems at full capacity.

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Yandex cash register is special technology from the Yandex company, which allows you to accept payments in various online services/online stores.

Also using of this service you can send money to users and solve a wide range of problems related to online payments.

To understand what Yandex checkout is, let's consider a simple analogy. Almost every day we make purchases in stores. It's hard to find today outlet, where a cash register would not be installed. With its help, the seller issues an invoice and keeps records of activities and finances. An analogue of a cash register for services operating on the Internet is Yandex cash register.

Can be used today following methods payment via Yandex cash desk:

• Through Internet banking applications and from a mobile number.
• By using bank cards points of all systems: Maestro, Visa, Master Card.
• Cash through specialized terminals.
• Through electronic wallet accounts.

How Yandex Cashier works

Online store owners need this tool. It allows you to organize work with .

Any company can become a partner of the Yandex.Checkout service. The only condition is that the company must be registered as a legal entity.

To work, you need to connect the cash register to an online service/website/blog. You can use the cash register not only to accept payments from clients, but also to make payments to freelancers, hired employees, and so on.
The system can also function offline. With its help, you can issue invoices to clients in the form of SMS so that they make payments from smartphones, as well as accept payments through mobile terminals.

Pros and cons of Yandex cash register

Advantages:

• The resource’s reputation is strengthened and it looks more reliable in the eyes of consumers. Consequently, the influx of users increases.
• The owner protects his store from scammers and various frauds.
• Connecting and using the system is easy and convenient.
• A wide range of tariffs allows you to choose best option, based on the budget and characteristics of your resource.
• Payments from clients are made promptly, within one day. It does not matter how the payment was made.
• Possible additional features, which are provided as part of the extended Cash Plus offer. Here the system works even in the absence of an Internet connection, in offline mode.
• Operation and acceptance of payments is carried out without failures or interruptions in work. Even if one payment gateway is overloaded, the system immediately switches to another without the users even noticing such actions.
• Yandex.Checkout operates strictly on the basis of the current legislation of the Russian Federation and the standards of the Bank of Russia. The system also meets the requirements of PCIDSS (International Financial Certificate).
• There is a detailed reporting form from which you can obtain detailed information about all transactions made. This greatly simplifies accounting.

Among the disadvantages, it can be noted that after making a payment through the Yandex checkout for an online store, there is no way to return to the previous web page. You'll have to re-open the site. There are also minor problems in the operation of your personal account, but they can be easily resolved and Yandex is currently addressing this.

How to connect Yandex cash register

The connection occurs in several stages.

Step 1

First you need to submit an application. The application contains the following sections: full name and email address contact person(the Yandex manager will communicate with him), phone number(the number must be valid), website URL, company tax identification number, country, company type.

Step 2

We go to the created personal account to start working with the service. To do this, follow the link: https://money.yandex.ru/my/questionnaire and fill out the special form presented here to connect. After all sections are completed, submit the form.

Step 3

Now we set up our cash register. Open the settings and select the set section. In the payment modules section, select “Ecwid” and proceed further. Here you will see various points where you need to add links. The picture shows what exactly needs to be entered into the form.

Also here you need to disable the functions of using the success and error pages and conducting test payments. In the “Email” section, enter your valid email address, and in the ShopPassword field, create a password. Now you can send the questionnaire.

Step 4

Now you will receive the data to make the settings, namely the scid number and the shopID number.

Step 5

Open the Ecwid store management panel and open the payment point. Here you need to connect Yandex cash register.

After this, a settings window will open where you need to enter the data received from the letter from Yandex, namely the scid number and shopID number and your password. Then we turn on the work in test mode and save the changes made. Then a new window will open, in which we configure payment methods. Once set up, complete a couple of transactions, place orders and pay for them.

Step 6

Now you know that the system is configured correctly and is working. Notify the Yandex system that work in test mode has been successfully completed, send a response letter to the message with your login and password. Then the system will send a response. Once you have received the answer, you can disable work in test mode and add the sent scid and shopID. If everything is successful, clients will see everything available methods payment. This section looks like this:

Here the client chooses a method convenient for him and goes to the appropriate section.

The intuitive interface, simplicity and ease of the system provide efficient work. If you have questions, you can always contact technical support.

The Yandex-Checkout service for online stores is ideal solution, since after connecting it you can receive different kinds payments. Payments used on Yandex Cashier are the most popular. These include payment by bank cards (Visa, Master Card and Maestro), such a popular payment system as Yandex. Money (more than 16 million people use it), WebMoney ( international service payments).

Using Yandex Cashier you can top up your balance mobile phone to all types of telecom operators, as well as deposit cash (there are more than 170 thousand communication shops and terminals in Russia).

Benefits of using this popular service enough. Firstly, you can pay for any service or purchase in an online store online by following simple steps.

For its clients, Yandex-Kassa has created many functional solutions and amenities that make using the service very pleasant and profitable. IN Lately Online shopping is very common, carried out via the Internet a large number of purchases, including in Russia.

Yandex-Checkout developers have created profitable terms for online store owners. For example, simplified technical integration is carried out, because the Yandex model is installed in almost all CMS initially, so it only needs to be developed. For those who have their own blog or website, integration consists of placing the code on absolutely any page of the site. But at the same time, the module of this service is only suitable for legal entities. Another advantage - mobile payments can be received via terminal mobile payment.

Using Yandex Checkout greatly helps simplify the operation of the site. If you make a purchase via the Internet, and there is a connected Yandex-Checkout service, then you don’t have to worry about scammers and other unpleasant actions, you can safely carry out transactions.

For the owner of an online store who has connected a Yandex checkout to his website, there will be many advantages:

• the store will be considered reliable and will attract more people;
• The online store seller himself will protect himself from fraudulent transactions;
• simple connection process, simple conditions;
• there is a set favorable tariffs;
• there is no likelihood that the service will stop working soon;
• funds are credited to the account from customers within one day, and it does not matter what payment method was used to make the purchase;
• in addition to all the payment methods described above, there is also Internet banking from Sberbank, Alfa-Bank, Promsvyazbank and MasterPass;
• there is a Cashier Plus module with which payments can be applied even offline, it is possible to make mass payments;
• work is carried out without any interruptions: for example, if one payment gateway If it gets up, then another one will immediately start working - and neither the site owners nor the online store buyers will see any difficulties;
• big advantage— work according to Bank of Russia standards, compliance with the international PCIDSS certificate;
• a convenient reporting form for website owners - information about all transactions will be in a single report, this is convenient for accounting.

Terms of Use

To connect or activate the service, just send a scan of your passport; you can also do this online, in a convenient personal account.

The process of connecting an online store website to Yandex Checkout is quite simple. To do this, the site owner fills out an application for further connection— any application is considered within a day, and then you will be contacted by phone or email. All that remains is to activate the service on your website and sign the necessary agreement. The agreement will also be provided in in electronic format, but then you should print it out and save it in the future. When the contract is signed and all terms are discussed, you can immediately accept payments into your account.

To link a site to an online store, the owner needs to make simple steps in the control panel of your own site. The service provides various conditions, and the interest rate for site owners depends on the number of payment methods selected. The more payment systems you have chosen, the more profitable it will be. Rates are approximately 2.8−3.5%.

Payment for services will be made using a reader or POS terminal, which is fixed on mobile devices or other devices through which sales are made, payment card information is read using them.

How to start using the service

It’s not at all difficult to start using the Yandex Checkout service. If your site is powered by a CMS from the list, then feel free to activate account- and you can start using the service.

• 1C-Bitrix;
• Merchium;
• Nethouse;
• InSales and many others (you should find out more details if you want to use the service).

If your online store website is self-written, then there is two solutions to start using the capabilities of Yandex Cashier:

1. with manual processing of all orders. You need to copy the payment button code to your website, and all notifications about receipt of payment funds from clients will be sent by email
2. With automatic processing all orders. To do this, you need to implement the HTPP protocol - this is so that your system immediately learns about the receipt of payments from customers, and also immediately begins processing orders - this option will provide more opportunities than manual processing.

To increase trust on the part of customers of an online store website, using the Yandex-Money checkout service for settlements is the right step, since buyers usually have many questions about payment. And the service from Yandex is a guarantor of quality, so trust is formed on the part of customers immediately, and this helps to increase sales and attract potential buyers. Any online store will benefit from collaborating with a market giant like Yandex.

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In this article we will look at the features of working with Yandex.Checkout. We will find out the possibilities of a personal account for individual entrepreneurs and other types of businesses, and also analyze the tariffs depending on the payment method. We will tell you how to connect Yanex. Cashier, and let's focus on customer reviews.

What is Yandex.Checkout and what are its capabilities?

Yandex.Checkout is payment service for online stores, with which you can accept payment for all kinds of purchases, be it a specific product or some service.

Go to the website of Ya.Kassa

There are several calculation options:

• Using a bank card. It could be MasterCard, Visa, Maestro or MIR.
• Through mobile applications - Android Pay and Apple Pay.
• Through electronic wallets such as WebMoney, QIWI, Yandex.Money.
• Using online opportunities banking platforms Sberbank, Promsvyazbank, Alfa-Bank, Masterpass.
• Using a mobile phone from an MTS, MegaFon, Beeline or Tele2 number.
• It is possible to accept cash. This can be done through Comepay terminals, Euroset and Svyaznoy branches.

Thus, electronic cash register supports almost all payment methods with an individual. Yandex.Checkout, if necessary, can be integrated with the online cash register, taking into account all legislative changes according to 54-FZ. The necessary data will be transferred to the fiscal authorities, and based on the reports, it will be possible to easily calculate the tax to be transferred.

Yandex.Checkout is suitable for running a variety of businesses. And the function of accepting mass payments will be appreciated by gaming portals, marketing agencies, as well as companies offering microloans. As soon as the transactions are completed, Yandex.Checkout will generate a register, which will subsequently be sent directly to the customer. The latter will be able to track the accuracy and timeliness of payments using the capabilities of his personal account.

What other advantages does Yandex.Checkout have:

You will be able to sell a product or service with payment in installments. This is what the BuyVcredit customer service is designed for.

Your clients will be able to activate the “Autopayment” function, with which they can conveniently pay for the Internet, cellular communication, as well as for access to online games.

You can link a bank card to payments, which will free your client from constantly entering their data.

There is a possibility of write-off Money from the buyer’s card “automatically” in payment for goods or services, as well as their return if the shipment did not occur. The money is returned to the client’s card without commission.

You can send an invoice for payment to the client via SMS, chat, or email.

It is possible to quickly pay for a product or service using a smartphone by reading a QR code. In this case, it is advisable for the client to have a built-in official application Yandex.Money, which will reflect the details of his bank card or e-wallet.

How Yandex Cash works

Using the online payment service is quite simple. Let's consider step-by-step algorithm actions:

The buyer selects a product or service on the website.

When placing an order, enter all your contact information, including phone number and address. email, which will be required to send the check.

The buyer then proceeds directly to payment. For this purpose, the website provides a “Pay via Yandex” button.

It becomes possible to choose a convenient form of payment. These can be various payment systems, bank cards, electronic wallets and others.

By choosing a means of payment, you can pay for the product or service.

Payment information is generated in the payment register and sent to your personal account.

And finally, last step— the goods are sent to the client.

Invoicing

If your client needs an invoice for payment, it will take you no more than one minute to generate it. It is created in your personal account, in a special section with products and prices. The invoice can be sent by email or SMS with active link or place it where you negotiate with the client, for example, in a chat.

Having received an invoice, the client either pays it or leaves it without consideration. In the second case, the invoice can be canceled or a fixed payment date can be set, after which payment will no longer be available.

If you are required by law to use an online cash register, then when issuing an invoice, enter all the data: product name, amount, VAT rate, customer contacts. Then the cash register will generate the correct electronic check for the tax office.

Sales on credit

With the “Sale on Credit” service, you can offer your customers your goods with payment in installments. Activating the service on the website will not cause any difficulties, but it will be beneficial for both you and the buyer.

What is the benefit for you?

From the statistics of Yandex.Checkout partners, it is clear that with this service, sales increase by about 17%, and about 30% of customers return, paying for repeat purchases. Notification of a completed payment arrives almost instantly, and money is credited to your account the next business day.

What is the benefit for the buyer?

All actions are performed in real time. It will take the client about two minutes to complete the application, in which you can choose optimal conditions- the loan term, the amount of payments, etc., it will take the same amount of time to wait for a decision on the loan.

Due to partial payment, you can purchase more goods.

There is the possibility of an interest-free period and early repayment of the loan.

A convenient form of loan repayment is offered - it can be a bank card, cash, or other means of payment.

And most importantly, you can pick up the product you like right away, and pay for it every month in pre-agreed amounts. Payment can be tracked through payment history.

Payments to clients

Through the payment aggregator you can make payments with any number of clients. Money can be sent to bank cards, accounts, e-wallets, and phone numbers.

Everything happens as follows:

1. You transfer through the cashier a certain amount with which you want to pay clients.
2. Through your personal account, in the form of a list, you send phone, card, and account data.
3. The service sends money according to specified parameters.
4. Every day you receive a report on payments made.
5. At the end of the month you are provided with a certificate of services rendered.

This service is suitable for marketing agencies, gaming services and companies issuing microloans.

Tariffs of Yandex.Checkout

Let’s say right away that your customers will be able to connect to the online service for free. And the conditions for using the payment service for you will depend on the monthly turnover of the online store. If they do not exceed one million rubles, then for you the tariff is suitable“Basic”, which provides for the payment of a certain percentage of sales. If monthly sales are above this figure, you can consider the Premium tariff.

The table below shows the commission depending on the payment method chosen by the buyer:

At the same time, Yandex is ready to offer personal conditions, if trade turnover exceeds 5 million rubles.

Detailed tariffs

Yandex Cashier with Internet acquiring

By connecting to Yandex.Checkout, you will be able to accept payments by bank cards, and you will also have access to automatic payments and holding amounts in your account.

You can connect to Internet acquiring either on the official website of Yandex.Checkout, or directly at the cash desk, in your personal account. To activate the service, you must fill out an application and attach a copy of the director’s passport to it. Your personal manager will prepare a service agreement in which everything will be spelled out. You must sign it and send it for verification. After some time, a copy of the signed agreement will appear in your personal account.

Among the advantages of Internet acquiring for business, it can be noted that it is free to connect and there is no subscription. pay. Information about all paid transactions will be available in your personal account.

Yandex.Checkout with mobile acquiring

From Yandex.Checkout is intended for accepting payments, for example, at outdoor events, in courier deliveries, taxi services and others.

The device works almost everywhere, using 3G, 4G, Edge, as well as Wi-Fi, and recognizes cards from all leading payment systems, both magnetic stripe, chip, and contactless. In order to additional protection Card data is encrypted and is not saved after the payment is made. Another plus is that technical support will be in touch with you around the clock.

The price of the card reader is 7,990 rubles. Service will cost 2.75%, calculated from the amount of each client purchase.

To connect the device, you need a smartphone with an online connection. You need to download and install the “2can Terminal” application on it, in which the account will be activated. The final step is to connect the smartphone to the terminal with a reader via Bluetooth system. You can use a tablet in the same way.

How to connect Yandex Cashier

In order to connect Yandex.Cash, you need to fill out a simple application on the website.

Go to the website of Ya.Kassa

After this, you will have access to your personal account and the opportunity to discuss questions about setting up a cash register with technical support.

Next, following the instructions, you need to fill out the necessary applications and then scan them. In most cases, registering a cash register requires standard set documents, the only exception is the conduct of licensed activities (a copy of the license is required) and the conclusion of an agreement confidant(a copy of his passport is required).

So what do you need to do?

1. Fill out the form.
2. Make scans of the passport of an individual entrepreneur or the head of an LLC.
3. Fill out the contract, sign it, make scans of all pages.
4. Submit documents for verification.

Based on the submitted documents, a cooperation agreement will be concluded with you. After some time, a copy of it will appear in your personal account, and it will reflect the tariffs for servicing the payment service.

After connecting the cash register, you will have access to:

• Accepting payment. Money will be credited to your current account the next business day minus commission.
• Daily receipt of summary purchase registers.
• Reconciliation of all sales.
• Possibility of exchanging documents with the Yandex.Money company in electronic format, if this method is most convenient for you.
• The cash register can be customized according to your requirements, be it SMS notifications, payment form with setting up payment acceptance, API integration, as well as others.

Login to your Yandex Cashier account

To log into your account, you must enter your login and password, linking it to personal phone. This is necessary in order to receive SMS with codes confirming important operations (returning, deleting and adding users).

In your Yandex.Checkout personal account you can customize the interface payment system, which will be understandable and convenient for both you and your clients. By enabling the document exchange function, you can send and receive reports and change settings.

You can work with several at once trading platforms posted on different websites. All sales information, statistics, analytics will be available in one personal account. You will also have the opportunity to add users, for example, couriers, technical workers, accountants, defining the role of each of them in the system.

Through your personal account you can make returns, send invoices for payment to customers by specified address, view and download statistics on completed transactions.

Go to your personal account

Advantages of Yandex Cashier for individual entrepreneurs and legal entities

Yandex.Checkout is suitable for any business, both individual entrepreneurs and legal entities. persons With its help, you can easily accept any payment from individuals. persons, and almost instantly, since the transaction speed is quite high - about 600 transactions every second. Can be used as calculations all sorts of ways payment, including the latest developments, which greatly simplifies the task and gives you an advantage in trading.

The fact that about 90 thousand partner stores are connected to the payment service speaks volumes, and the company itself has already 15 years of experience in providing this kind services and continues to improve.

Yandex.Checkout is universal and understandable both for the online store itself and for individuals who will use your services. It can be connected to any online platform, without exception.

The payment service can be integrated with an online cash register. Here the ATOL company also acts as partners. In the future it is planned to cooperate with big amount companies supplying online cash register systems to the market.

Contacts Yandex.Kassa

Do you have questions about the cash register and don’t know where to turn? The table below shows support and hotline numbers:

Official website of Ya.Kassa

Today, imagine a large business without integration into global network It’s extremely difficult, because often the search for buyers, future partners and even making transactions takes place online. One of the most popular areas is the creation of an online store, but the issue of automating payment acceptance can confuse many beginners, and sometimes even experienced entrepreneurs. The optimal solution in this situation is the connection to Yandex.Checkout. This service is available not only to Russian entrepreneurs, but also to foreign ones, which is why today this tool is extremely popular. In this article we will talk about what Yandex.Checkout is, what its features are, and how to use it correctly.

How does it work?

"Yandex.Checkout" is a payment instrument with which an entrepreneur can receive payment for his own products in various options, including:

• from bank cards;
• cash;
• electronic money;
• from your phone account;
• through the online banking system;
• by attracting credit funds.

A distinctive feature of such an online cash register is the ability to make mass payments, which is especially important for representatives of currency exchanges, organizers of lotteries and other “mass” areas. At the same time, existing funds can be transferred to reverse direction- to bank cards, EPS wallets, financial institution accounts and phone numbers.

The operating principle of Yandex.Checkout is mutual responsibility between all participants in the process. So, to make a payment, the client transfers a certain amount, which acts as security for payments. Then a list of cards, telephone numbers and accounts to which the funds should be transferred is provided to the online cash register. Based on the results of the operations performed, an act is issued confirming the provision of the service, as well as containing a full report on the work performed.

Reviews: pros and cons

Yandex.Checkout users consider the following to be the main advantages of the system:

• universality (the service is suitable for almost all online stores and connects to any website);
• making any payments (bank cards, Sberbank Online, Yandex.Money and others);
• favorable rates (commission for electronic payments by bank card from 2.8%);
• no subscription fee;
• security (the service is protected by PCI DSS - Visa and Mastercard standard);
• simple and fast connection(only the director’s passport is required for registration);
• efficiency (payments are credited to the bank account the very next day);
• flexibility of settings (the ability to set up automatic payments, returns, invoicing, payments via Apple Pay and QR).

Tariffs and commission

For individuals

Individuals can only accept payments via Yandex.Money, respectively prerequisite is the registration of this wallet. The buyer can pay for the order in three ways:

• "Yandex money":
  • owners of registered and identified accounts can send transfers;
  • the commission is charged to the recipient and is 3.5% of the amount.
• bank cards:
  • you can pay with Visa cards, MasterCard and Maestro;
  • the commission is charged to the recipient and is 3.5% of the amount;
  • The minimum payment amount is 1 ruble 2 kopecks.
• Cell phones:
  • fit Russian license plates MTS, Beeline and Tele2;
  • the commission is charged to the sender, and the telecom operator adds it to the transfer amount. For Beeline the commission is 7.95% + 10 rubles, for MTS - 10.86% + 10 rubles, and for Tele2 - 15.86%;
  • You can only make three payments from one phone number within one day, maximum amount one payment - 500 rubles.

To connect a form to pay for an order, you need to go to your Yandex.Money personal account and select the tab called “Accepting payments”, after which a window will open with possible ways accepting payment. You must select a method called “Button”.

For legal entities and individual entrepreneurs

For entrepreneurs and legal entities, Yandex has developed the following tariff schedule:

• « Base» - aimed at entrepreneurs with a sales volume of no more than one million rubles per month. The commission in this case ranges from 3.5 to 6% depending on the type of payment. Most low parameter is used for bank cards and payments from the Yandex.Money service, and the highest is for other electronic payment systems (WebMoney, Qiwi).
• « Premium" - created for large online stores with a turnover of over a million rubles. Main feature are lower commissions - from 2.8 to 5%. At the same time, the parameter of 2.8% is used for lending and payments from bank cards, 3% for Yandex.Money and 5% for other payment systems.

Attention: The above tariff applies to stores specializing in the sale of goods with delivery. For other areas of activity (charity, services, digital and gaming content), different rules apply. interest rates, which can be clarified at official page"Yandex.Kassa", located at https://kassa.yandex.ru/fees.

If we're talking about on the payment of money to clients by the entrepreneur, then a single tariff plan. Thus, when transferring funds to Yandex.Money, to a bank account or card, a commission of 2.8% is charged, and when transferring to a mobile phone number - 4%.

How to connect

You can connect Yandex.Cash in two ways: without an agreement and with an agreement.

In the first case it is necessary:

• select “Form”;
• fill out the form by entering the product or service provided in the name of the payment and adding missing fields if necessary (for example, telephone number and address);
• click the “Next” button;
• In the window that opens, enter your current account details;
• click on the “Create form” button;
• copy the code displayed on the right and transfer it to your website.

The features of this method are the following:

• the payer is charged a commission of 3% (not less than 30 rubles);
• money is credited to the current account within the next business day;
• a payment notification is sent to the email address to which the Yandex.Money wallet is linked.

In order to connect Yandex.Checkout with an agreement, you must:

• log into your Yandex.Money personal account;
• go to the “Accepting payments” tab;
• in the right top corner select the “Cashier for Business” section;
• read the terms of service on the page that opens;
• click the “Connect cash register” button;
• fill in the form;
• send a connection request;
• wait for the Yandex manager to call;
• verify all data and provide the necessary documentation (passport, TIN and OGRNIP);
• sign an agreement;
• send a scan of the signed document back to Yandex;
• get the form code and place it on your website.

Pros this method is the connection of a payment unit and, accordingly, the ability to accept many payment methods, as well as daily receipt of reports on payments made through this form. The disadvantages include fairly high tariffs, binding to one site and the impossibility of customization. appearance forms of payment without knowing the code.

For which CMS are there ready-made modules?

For most popular engines, the Yandex.Checkout service has ready-made solutions in the form of extensions for:

• "OpenCart2";
• "Webasyst Shop-Script";
• "Prestashop";
• "1C-UMI";
• "ABCP";
• "AdvantShop.Net";
• "Amiro.Cms";
• "1C-Bitrix".

Yandex Cashier and Federal Law-54

According to the new current legislation, from July of this year, most entrepreneurs must use a special cash register to send data to the Federal Tax Service every time they accept money from customers for services provided or products sold. Moreover, the law also applies to distance selling.

By law, the check must be issued by the seller or his agent ( Courier service or retail outlet with which the contract is concluded). Since Yandex.Checkout does not actually sell goods on behalf of the seller and is not his agent, the seller must send an electronic check to the buyer and transfer a copy of it to the tax office independently.

However, Yandex has provided “Cashiers” for clients ready-made solution, which is as follows: the client connects an online cash register - the system sends the data for the check to her, and she sends it directly to the tax office. In order for the cash register to work, you must enter into an agreement with the fiscal data operator and register the cash register with the tax office.

Yandex Cashier online and Atol: what you need to know

Cash register with support of Yandex.Checkout

As already mentioned, from July 1, 2017, businesses accepting payments online must send receipt details to tax service and buyers immediately after making payment, using a special cash register equipment. Clients of the Yandex.Checkout service can set up work with cash registers in their personal account.

For online fiscalization, you can use either a ready-made Yandex.Checkout solution with a partner cash register, or your own option, for example, sending checks using CRM or CMS systems— to do this, you just need to specify the desired item in the settings.

Today, the service allows you to send data to the Atol.Online cloud cash service and cash registers"ModuleKassa".