Accepting payments for individuals. Payment system for individuals. Using only one payment system

In general, any system for accepting funds works like this:

a request is received from an Internet resource with the payment amount (most often by redirecting to the payment instrument website);
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 website, you need to select a payment acceptance system, enter into 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 activate card payment on the site for at least 5-6% and not with all payment partners, while a standard online store will most likely receive a rate of 3%.

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 website per month.

Most often, a commission is charged to the online service, but some payment acceptance systems for online stores offer to set up the removal of a commission from the buyer. Those. the payment amount for you in the website catalog does not change in fact, and the buyer pays a little more.

Sometimes there are payment systems with a subscription fee, without % of each transaction. If purchases are not made on your website every day, we recommend that you avoid such solutions as they are absolutely not beneficial for you. Similar to a paid connection: often newcomers to retail move from partner to partner during the first time the site is up and running. Of course, you don't want to lose the amount you spent at the start.

Connection

Regardless of the type of payment acceptance tool, there are several options for connecting to start accepting payments on the site.

A) Directly - you enter into an agreement with each payment system separately. This will often give you access to the best commission rates, but will take more time if you need several different options.

B) Through an aggregator - you can conclude one agreement, 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 - payment integrators often have much better customer support, especially for small businesses.

Technical integration

Integration does not in any way increase the cost of servicing the payment acceptance system; commission is charged only for payments. However, the integration option affects the convenience and conversion of the payment process on your website.

The simplest option would be to connect via redirection to the payment partner’s website. With this option selected, your technical specialists will not have to configure virtually anything - you can start accepting payments on the site in a few minutes! Note that for the user this is the most inconvenient and distrustful option, which will not have a very positive effect on the conversion to a successful payment.

However, if your site is implemented on one of the popular CMSs, pay attention to systems or aggregators that have special modules. This way, you will discover more possibilities for fine-tuning (customizing) the payment process on your website.

And finally, if you have a staff of programmers and your site is written from scratch, it makes sense 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 due to closer integration into your website: embedding a payment form into your page, entering part of the data to complete an operation in your interface, no redirects and other options.

What payment systems are on the market?

So, let's look at the main types of tools:

Internet acquiring

Accepting payments from bank cards. The most popular and convenient way to accept 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 (essentially a separate category of aggregators specializing specifically in card transactions).

If you want to connect to the bank directly, compare banks' tariffs for Internet acquiring. If you need a greater variety of payments, check out the TOP payment aggregators.

Internet wallets

The most numerous class of payment systems. The user creates a “wallet” (account) in the system, indicates personal data and gains access to payment for goods, services, and physical transfers. persons. If such a payment method is connected to the site, then upon payment the payer is sent an invoice to the system for payment. During the payment process, online wallets may request additional confirmation of the transaction, similar to 3DSecure in acquiring transactions. For online wallets, there are legal restrictions on the amount of payment (Federal Law 115): no more than 15,000 rubles. for payers who have not completed the identification procedure.

The most popular online wallets in Russia: 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 require a lot of effort 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. However, there are cases when connecting such a payment system for a website can significantly expand business opportunities.

Postal services

An additional way to expand the geography of purchases is to connect Russian Post or delivery services. Payment for the purchase occurs upon receipt of the order. It is more reasonable to implement this method of making a payment through an aggregator: there may be restrictions on turnover and the API is quite complex from the point of view of implementation.

Internet banking

The payment method is very similar to online wallets in terms of the payment process, but has a peculiarity: the invoice is issued not to the wallet, but to the payer’s bank account.

Many payers prefer this payment method because they do not need to enter card details, which is not always secure. Unfortunately, direct connection is often not available to small stores due to restrictions on monthly turnover, similar to connecting to Internet acquiring.

Payment from mobile phone balance

For small amounts of payments, paying from your phone balance is very convenient. 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 cellular operator and the service seller. Each provider has its own system of tariffs and settings for each operator and region. When connecting through an aggregator, several payment gateways become available to the store, depending on the needs of the business. For all types of payments from a mobile phone, there are limits on one-time payments, usually in the range of 1-5000 rubles.

Cash

Even taking into account the statistics of an 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 shops, for example Svyaznoy and Euroset.

Lending

A new payment method on the market for the site: purchasing goods on credit with confirmation of the loan from the bank online. The store integrates with the bank providing the service or an aggregator. During the purchase process, the client provides all the data required by the bank and receives preliminary approval for the loan. The contract is concluded within a few days without the participation of the store. After the loan is successfully issued, the bank notifies the store via API, and the client receives his order.

So, we have looked at 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 possible part of your audience. Unfortunately, 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.

The material will be useful to those who are starting a business that involves accepting payments on a website or in a mobile application. The Main Mine service has collected information about the functionality and tariffs of 10 popular services for accepting online payments in Russia. Information was collected from official websites, as well as from service representatives.

At the beginning we will talk about the basic concepts, so those who are impatient or familiar with the topic can immediately go to the “Functionality and conditions” section

Terminology
Sample
Functionality and conditions
Tariffication
Ready solutions

Payment instruments considered

The most popular payment solutions in Russia have been selected:

Bank cards VISA, MasterCard, MIR are the most common and universal means of payment. All payment providers under consideration have the same commission for the specified 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 indispensable means of payment if you have a freelance exchange or other service for the self-employed on the Internet.
Electronic money VISA QIWI Wallet - if you work with an older 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 don’t have to use the Internet at all.
Electronic money Yandex.Money is simple, convenient, popular.

Terminology

Merchant is an enterprise, individual entrepreneur or individual who connects an online payment service.
A payment aggregator is an intermediary that allows you, within the framework of one agreement, to accept for payment several payment instruments that work through its payment gateway. The aggregator enters into an agreement with payment systems, and you enter into an agreement with the aggregator. It is also possible to conclude a tripartite agreement with the payment system. Recommended for start-up businesses - less integration problems and paperwork. The aggregator adds its commission to the PS commission, but receives a large discount due to turnover, so direct connection at the initial stage is not always a more profitable solution.
A payment gateway is an intermediary that provides a direct connection to the payment system; all transactions go through the intermediary’s gateway. You have an agreement with the intermediary, with the acquiring bank and with all the PSs that you plan to accept.
A payment integrator is an intermediary that provides a direct connection to the payment system, with all transactions going directly through the bank’s system, and the payment gateway is also on the bank’s side. You have an agreement with the intermediary, with the acquiring bank and with all the PSs that you plan to accept.
Internet acquirer is a bank that provides card acceptance services. Direct connection to the bank is justified at high speeds. It makes sense for large businesses to directly connect several banks to acquire the card by the issuing bank in order to receive an additional discount.
CCP - cash register equipment, in this material an online cash register or a cloud cash register, corresponding to 54-FZ
OFD is a fiscal data operator that transmits information about completed sales to the Federal Tax Service
Refund (English) is a voluntary return of a payment by a merchant to a buyer at the latter’s request.
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 review, we selected popular services that:

participate in various ratings,
publish tariffs in the public domain.

Let's take a quick look below:

Service Type,
fresh positions in ratings,
peculiarities,
decisions regarding amendments to 54-FZ.

A little about the last point: according to the latest changes in Russian legislation, online stores are required to transmit data on completed 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, most merchants are faced with the question: how to integrate a cash register 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 Nasdaq), offers favorable conditions for Internet acquiring, while completing 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 cash register, 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 technology platform and its own solution to prevent fraudulent transactions. The service complies with the PCI DSS security standard and also uses 3-D Secure™. When the client pays for purchases, the money is credited to the account instantly, the same goes for returns - this way the company does not face difficulties at the end of billing periods.

One of the main advantages of the service is a simple and fast connection; the client only needs to spend a few minutes filling out the application, and the bank will do the rest. Connection is completely free, and you can use the service on the day you submit your application. The client can also fully integrate the platform into the structure of their website. The payment page allows you to customize the design in accordance with the corporate style of the company.

Internet acquiring management is available in the bank’s mobile application. By the way, if the requirement for a minimum trade turnover is met, Freedom Finance Bank connects cash settlement services and Internet banking along with acquiring 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 funds deposits and instant refunds
Possibility of integration with the client’s CRM system, displaying order status
Using your branding on the payment page
Setting up commission write-offs: from the client, from the store, combined
High security standards: PCI DSS and 3DSecure. Client protection from repeated charges
Calculation of interest on the balance of funds on a current account in Russian rubles at FFIN Bank (if there is a valid Internet acquiring agreement)

The bank has flexible tariffs for this service, depending on the category of goods purchased 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. Once a businessman starts working with the platform, he will provide clients with the opportunity to pay for orders in one of 30 currencies.

You can accept payments by bank cards, electronic systems, and Apple Pay mobile wallets. Connecting to the payment acceptance service is free: you can add a payment button, use a payment module or online invoicing. Convenient analytics tools are available to monitor your financial condition.

Each payment platform user receives additional opportunities to expand their business:

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 contacts again;
enabling regular debiting of funds on a set date for services that operate on a subscription basis;
protection using a proven anti-fraud system, 3D-Secure technology and SSL/TLS encryption.

A mobile application has been developed to control payment transactions, regardless of location and time of day. The user can study the financial condition of the company, conversions, and individual transactions. As a result, the use of one platform replaces dozens of services, simplifies transaction processing, and provides access to international markets.

VsePlatezhi (NPO Perspektiva (LLC))

Work format:

A universal payment gateway allows you to accept payments on your website under an Internet acquiring agreement. All that is needed on your part is to agree on the appearance of the form and place the code for paying for services on your website.

The payer (your user) selects the payment method by bank card, enters payment data and is taken 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 merchant (successful/unsuccessful, in case of an error, a description of the error).

All transactions carried out are tracked by the merchant in a convenient personal account online.

Despite 6 years of experience in the field, NPO Perspektiva launched its Internet acquiring service only this year, and therefore is not yet represented in the ratings. The offer is developed in full accordance with customer requests. The company enters the market with favorable rates and is very flexible in meeting customer needs.

54-FZ: The recipient of funds under the agreement with the merchant is the NPO “Perspective”, this allows you to legally accept payments without a cash register from the merchant. Storage, encryption and protection of fiscal documents takes place on the side of the NPO Perspektiva. Payment orders are sent daily to the Bank of Russia. If necessary, all necessary documents are provided to the merchant.

Features and Features:

Favorable rates: from 0.8% to 3.5% depending on the merchant’s monthly turnover and field of activity. Details are discussed individually.
Own anti-fraud system.
Super convenience for the payer: auto-fill, hints, input masks, auto-check of card type, field validation.
Easy payment from mobile devices due to adaptive layout. The data entry page adapts to the screen width.
The product looks completely yours - your logo, personalization, contacts.
Friendly and professional support 24/7/365 for both merchant and payers.
Personal manager and prompt solution to any problems, regardless of the amount of turnover.
Security license for 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 carrying out banking operations with funds in rubles for payment non-bank credit organizations No. 3532-K dated July 21, 2015.

NetPay

Payment aggregator.

4th place - Internet Acquiring Rank 2016 (Markswebb Rank & Report research).

54-FZ: the merchant needs to purchase a cash register compatible with his CMS, or enter into an agreement with ATOL (a joint solution has been developed), and enter into an agreement with the OFD. If you are not configured to automatically change the order status to “paid” when receiving information about a successful transaction from NetPay, the company’s specialists will set up the event themselves.

Peculiarities:

There are no limits on the amount of transactions.

Payment

International processing center (Payment LLC)

The joint solution with the cash register manufacturer PayKiosk and the online cash register service Orange Data includes:

Providing online cash registers;
Fiscal storage 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-Ya for transmission of fiscal data;
Sending online checks to the Federal Tax Service in real time;
Sending an electronic version of the receipt to the buyer.

Scheme of work

Services and features

Internet acquiring in Russia and around the world, cross-border payments
Processing and settlements in local currencies in the CIS, Europe, USA and the Middle East
Alternative payment methods
Apple Pay
Android Pay
Masterpass by Mastercard
Own antifraud
Online lending
Holding funds
Recarring
Returns
Payments to cards to individuals
p2p transfers
Marketplaces
Online cash registers (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 payment method

PayAnyWay

Payment aggregator (NPO MONETA.RU).

Recently they reduced the base rate from 2.9 to 2.7%, and starting from 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 (Markswebb Rank & Report research),
1st place - Rating of payment aggregators 2016 (Shopolog research).

54-FZ: we have prepared an SDK and a “Cashier Module” plugin for popular CMS, which also works with ATOL Online and Modul.Kassa and allows you to send information about paid orders and returns to the client’s cash register.

Peculiarities:

Connection from 1 day.
An API that allows trading platforms to organize 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 and do not become a paying agent.
With this scheme of work, the site is not subject to 54-FZ and is not required to issue a check.

PayKeeper

Payment integrator.

6-7 place - Internet Acquiring Rank 2016 (Markswebb Rank & Report research).

54-FZ: PayKeeper can operate in the mode of automatically transmitting payment data to the fiscal data operator through integration with one of the cloud solutions: ATOL Online (3000 rubles/month, cloud), PayKiosk (1600 rubles/month, cloud), Class365 (350 rub./month, needed at your own cash desk).

Peculiarities:

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 merchants and buyers.
Supports AndroidPay.

54-FZ: Cooperate with ATOL. Scheme of work: the merchant sends data about the completed purchase to Payler, Payler sends the data to ATOL, ATOL sends it to the Federal Tax Service, OFD and to the buyer.

PayMaster

Payment aggregator.

The Webmoney project is ready to offer the best commission for accepting the electronic currency of the same name.

According to the Market Adjustment Research Center (MARC), as of the fourth quarter of 2016, 1.9% of Runet sites that accept online payments are connected to PayMaster.

12th place - Internet Acquiring Rank 2016 (Markswebb Rank & Report research),
4th place - Rating of payment aggregators 2016 (Shopolog research).

54-FZ: ensures interaction with the OFD, cash register and financial book sellers, and, if necessary, organizes the receipt of an electronic signature. Clients can submit a request for connection - determination of the number of cash registers, financial functions, technical integration is carried out by PayMaster, ready-made modules for the CMS are at the update stage.

Peculiarities:

Lowest commission for Webmoney.

PayOnline

Payment gateway.

2nd place - Rating of payment gateways 2016 (Tagline research),
5th place - Internet Acquiring Rank 2016 (Markswebb Rank & Report research),
8th place - Rating of payment aggregators 2016 (Shopolog research).

54-FZ: a personal manager will help you integrate your business with the ATOL cloud cash register, CMS modules during the update process.

Peculiarities:

Possibility of payment routing 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 common after Yandex Cashier, to which it gave the palm in 2016, largely due to problems with Ocean Bank.

According to the Market Adjustment Research Center (MARC), as of the fourth 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 (Markswebb Rank & Report study),
7th place - Plato rating aggregators 2016 (Shopolog study).

54-FZ: several options have been prepared:

When using Robo.market: the service acts as an agent for attracting buyers for the product; the use of cash register is not required.
Payment can be made by non-cash transfer by order of an individual. This will require changes in accounting practices. The use of CCT is not required.
Integration with cloud CCP from ATOL.
For merchants who purchased cash register systems, modules for the CMS will be updated to work correctly.

Peculiarities:

Your own free marketplace, relieving the merchant of problems with 54-FZ.
Free customer support for buyers 24/7.
They work with individuals.

Single cash desk Wallet One

Payment aggregator.

According to the Market Adjustment Research Center (MARC), as of the fourth quarter of 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 (Markswebb Rank & Report research),
3rd place - Rating of payment aggregators 2016 (Shopolog research).

54-FZ: decision at the preparation stage.

Peculiarities:

There is a C2C solution for exchanges “Transaction without risk”.
They work with individuals.
There is full integration with Viber.
Setting up roles in your personal account.

Yandex Cashier

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), as of the fourth quarter of 2016, 29.6% of Runet sites that accept online payments are connected to Yandex.Checkout - this is the largest figure.

1st place - Rating of payment aggregators 2016 (Tagline research),
2nd place - Internet Acquiring Rank 2016 (Markswebb Rank & Report research),
5th place - Rating of payment aggregators 2016 (Shopolog research).

54-FZ: cooperate with ATOL Online. If the cash register is registered with the tax office and there is an agreement with the OFD, the merchant will be able to switch to an expanded protocol that allows the transfer of checks to the OFD, as well as making refunds. Modules for popular CMS will be brought into compliance by July 1st. If you do not integrate payment with the site, it is enough to indicate the type of cash register used.

Peculiarities:

Possibility of payment by QR code.
Integration with other Yandex services via Y.CMS: Y.Metrika (for data collection), Y.Market (for posting 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. Typically, banks are not eager to work with small businesses, and even for a relatively low-margin service, which is Internet acquiring for them. Tinkoff Bank declares attention to small businesses, innovation and openness. On the bank’s website, one of the few, you can see open tariffs for Internet acquiring, so we are including it in the review. Tinkoff does not accept electronic money for payment, but promises to fix this 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 bank employees help you with consultations for the first 6 months, but you still have to connect it yourself. After 6 months, you are automatically transferred to the basic tariff, the commission of which is used on the charts.

24th place - Internet Acquiring Rank 2016 (Markswebb Rank & Report research).

Lately, I have been increasingly asked about payment systems and payment system aggregators that work with individuals. Since they ask, I decided to go 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 came into force, which says that you need to use online cash registers everywhere and everything. People wondered whether it was worth paying 50,000 a year for this dubious pleasure. And we began to slowly look for alternatives. One of these alternatives is the transfer of payments on the site to the physical area. persons The second argument in this matter is that I want to get started, understand what’s what and generally try what an online store is, and I don’t need these troubles with cash registers yet, but I need to accept payments somehow.

As part of this article, I will try to list services and alternatives for individuals.

Classic payment aggregators

In fact, there are few alternatives left on the market, since everyone needs the following parameters: payment by cards, fast connection and stability. After the aggregator market was cleared, there were 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 commissions. Now physical the person will have to pay about 9% in order for the money to be in his account. But there are not many alternatives to Robokassa.

Nextpay is gaining momentum in connection with Federal Law 54. Since it is perhaps the only one who has provided a more or less valid system for legal entities. persons, which does not require check stamping. The aggregator also works with physical persons, on terms comparable to Robokassa, about 9% commission and money in your account.

This is where we can end the story about aggregators; we must understand that in reality there are more of them, but there are not so many actually working according to this scheme, since the alternatives have essentially stopped working with Russia or are experiencing some technical difficulties. It is unlikely that you will be satisfied with a system that cannot accept payment.

Direct payments

Recently I have started to see a shift towards direct payments. What it is? This is when you refuse 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 only pay the service commission. Disadvantages: your money is scattered across a bunch of wallets and services, which you are not guaranteed to be able to collect with a low commission for you. But I want to note that in most cases the commission 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 handles processing for you, you configure it individually 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.

Disadvantages of the system: there is no integration with the CMS, that is, the data remains in the system and that’s it, but I think this is a solvable issue.

Nigmapay is a very interesting direct payment service, it works on the Bootpay principle, but it is a service, that is, you do not need to deploy your own infrastructure. Bank cards are accepted through the Yandex Money service.

Pros: there is already integration with CMS, you don’t need your own infrastructure, according to the comrades from Nygmapey there is a completely free tariff.

Cons: There are still few integration modules/plugins.

Using only one payment system

I decided to add about accepting payments through one payment system. Which pretends to be a web wallet.

Qiwi - Qiwi has a pretty decent tool that allows individuals to accept payments, called the “Name Wallet”. Approximately 5% and the money is in your bank account - this does not take into account the use of a Qiwi bank card. The advantage is that you can accept both Qiwi and bank cards, and Qiwi terminals and mobile operators are also included, in fact, it can replace everything that is on the market.

Yandex Money is an equally powerful alternative that allows you to accept: cards, Yandex Money and payments from mobile operators. Approximately 4% commission and money in your account, you can reduce costs 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 charge completely unbelievable commissions comparable to Robokassa