We select a gateway (aggregator) to accept payments in the online store. payment gateways in comparison. Payment form location

Fondy is an international processing service operating in the field of electronic financial services. The payment system allows you to organize payment acceptance with Visa and Mastercard cards on the website, in mobile application, via Smart TV and in Unity3D. Currently, the service operates in 120 countries, accepts 30 world currencies for payment, and serves more than 1,500 Internet businesses around the world.

May 27, 2015 at 12:36 pm
3785
PayOnline

PayOnline.ru is an international processing company offering various payment solutions for online stores and microfinance organizations. PayOnline is part of Social Discovery Ventures, a group of Russian-American companies. The service's partners are the largest Russian and European acquiring banks, including VTB24, RaiffeisenBank, Bank of Moscow, WireCard Bank and others.

April 27, 2017 at 2:39 pm
5802

AllPayments - payment service with an NPO license. The company's turnover in 2016 exceeded 1.5 billion rubles, which indicates high reliability and sustainability of the company. We offer to our partners effective solutions: organization of payment acceptance (including without an agreement), Internet acquiring, agent interaction scheme (taking and returning from suppliers), settlement bank for payment services and white label payment acceptance.

October 29, 2015 at 02:18 pm
2729

ASSIST— Russian provider online payments. The company was founded in 1998, the payment service was launched in 2003. The company's office is located in St. Petersburg. ASSIST allows you to set up payment acceptance by bank cards leading international PS, as well as in electronic currency. Payment security is ensured by using SSL protocols and TLS.

October 29, 2015 at 11:42 am
2207

ChronoPay is an international processing company that started working on Russian market in 2005. The payment system provides a full range of services for accepting and processing Internet payments using bank cards, as well as other payment instruments. Cooperates with more than 15 acquiring banks around the world. The company's headquarters are located in Amsterdam, the Netherlands. There is also an office in Moscow.

September 13, 2016 at 5:01 pm
1771

MAXKASSA is universal solution to accept payments on the online store website. The service has been operating on the aggregator services market since 2015. The company's head office is located in St. Petersburg. MAXKASSA provides its clients with the opportunity to accept payments by bank cards, electronic money (Yandex.Money, WebMoney, Qiwi) and through operators mobile communications.

September 10, 2015 at 03:28 pm
4881

Payture is an international processing company providing services for organizing online payments. The service has its own patented developments in the field of secure processing of bank card payments. Payture cooperates with leading Russian and foreign banks, international payment systems and trade and service enterprises, is the official service provider of Visa and MasterCard, official partner bonus program“Thank you from Sberbank” and the MasterPass payment platform.

Numerous tests have confirmed that the transfer collection gateways of the MODUL-LTD LLC company correspond to class 3 of bullet resistance in accordance with GOST R 51223-98. At the request of the customer, their doors can have both the collector's side and the cashier's side, so that visual control of what is happening can be carried out.

Collection gateways are installed in armored panels 50-70 mm thick or in protective walls made of durable materials such as brick, metal, etc. Their operating principle is as follows - sequential opening of only one of the two doors. Both doors are equipped with a closer. The collection gateway is equipped with a mechanical door control drive; control is carried out by the cashier. It also includes an access control device, intercom, accessories. Our company also maintains high reliability, which allows clients of a bank or credit institution to be confident in the safety of their savings.

When finishing a gateway, the first step is priming, painting with various dyes and lining with decorative overlays. The models offered by our company are made in full compliance with state standards of the Russian Federation and have a certificate of conformity.

Collection gateways

(According to Amendment No. 4 GOST R 51112-97 "Banking protective equipment. Requirements for bullet resistance and test methods")

Designation	Bullet protection class	Characteristics	External dimensions, mm.			Internal dimensions, mm.			Weight, kg.	Unit change	Price including VAT, rub.
Designation	Bullet protection class	Characteristics	h	b	l	h	b	l	Weight, kg.	Unit change	Price including VAT, rub.
ShPM-Br1	Br1		640	600	610	450	410	490	130	PC.	27 800
ShPM.S-Br1	Br1		640	600	610	450	410	490	135	PC.	28 700
ShPM-Br1	Br1	mechanical, doors without glass	640	600	810	450	410	690	150	PC.	29 500
ShPM.S-Br1	Br1	mechanical, doors with glass	640	600	810	450	410	690	155	PC.	30 400
ShPM-Br1	Br1	mechanical, doors without glass	940	740	800	750	550	680	335	PC.	41 300
ShPM.S-Br1	Br1	mechanical, doors with glass	940	740	800	750	550	680	340	PC.	42 000
ShPM-Br3	Br3	mechanical, doors without glass	640	600	610	450	410	490	135	PC.	33 000
ShPM.S-Br3	Br3	mechanical, doors with glass	640	600	610	450	410	490	140	PC.	34 000
ShPM-Br3	Br3	mechanical, doors without glass	640	600	810	450	410	690	155	PC.	35 000
ShPM.S-Br3	Br3	mechanical, doors with glass	640	600	810	450	410	690	160	PC.	36 000
ShPM-Br3	Br3	mechanical, doors without glass	940	740	800	750	550	680	340	PC.	49 000
ShPM.S-Br3	Br3	mechanical, doors with glass	940	740	800	750	550	680	345	PC.	50 000
ShPEM.S-Br3	Br3		470	670	500	420	450	390	123	PC.	44 000
ShPEM.S-Br3	Br3	electromechanical, doors with glass	650	670	500	600	450	390	145	PC.	60 000
ShPM-Br4	Br4	mechanical, doors without glass	640	600	610	450	410	490		PC.
ShPM.S-Br4	Br4	mechanical, doors with glass	640	600	610	450	410	490		PC.
ShPM-Br4	Br4	mechanical, doors without glass	640	600	810	450	410	690		PC.
ShPM.S-Br4	Br4	mechanical, doors with glass	640	600	810	450	410	690		PC.
ShPM-Br4	Br4	mechanical, doors without glass	940	740	800	750	550	680		PC.
ShPM.S-Br4	Br4	mechanical, doors with glass	940	740	800	750	550	680		PC.
ShPEM.S-Br4	Br4	electromechanical, doors with glass	470	670	500	420	450	390		PC.
ShPEM.S-Br4	Br4	electromechanical, doors with glass	650	670	500	600	450	390		PC.

Collection gateways

Designation	Bullet protection class	Characteristics	External dimensions, mm.			Internal dimensions, mm.			Weight, kg.	Unit change	Price including VAT, rub.
Designation	Bullet protection class	Characteristics	h	b	l	h	b	l	Weight, kg.	Unit change	Price including VAT, rub.
ShPKM 600.1	1	mechanical, doors without glass	640	600	610	450	410	490	-	PC.	27 800
ShPKM-S 600.1	1	mechanical, doors with glass	640	600	610	450	410	490	-	PC.	28 700
ShPKM 800.1	1	mechanical, doors without glass	640	600	810	450	410	690	-	PC.	29 500
ShPKM-S 800.1	1	mechanical, doors with glass	640	600	810	450	410	690	-	PC.	30 400
ShPKM 900.1	1	mechanical, doors without glass	940	740	800	750	550	680	-	PC.	41 300
ShPKM-S 900.1	1	mechanical, doors with glass	940	740	800	750	550	680	-	PC.	42 000
ShPKM 600.3	3	mechanical, doors without glass	640	600	610	450	410	490	135	PC.	33 000
ShPKM-S 600.3	3	mechanical, doors with glass	640	600	610	450	410	490	140	PC.	34 000
ShPKM 800.3	3	mechanical, doors without glass	640	600	810	450	410	690	155	PC.	35 000
ShPKM-S 800.3	3	mechanical, doors with glass	640	600	810	450	410	690	160	PC.	36 000
ShPKM 900.3	3	mechanical, doors without glass	940	740	800	750	550	680	340	PC.	49 000
ShPKM-S 900.3	3	mechanical, doors with glass	940	740	800	750	550	680	345	PC.	50 000
SHPEM	3	electromechanical, doors with glass	470	670	500	420	450	390		PC.	44 000
SPEB	3	electromechanical, doors with glass	650	670	500	600	450	390		PC.	60 000

With the advent of a new participant online - a payment gateway or PSP Gateway (Payment Service Provider Gateway), the acquiring scheme began to differ from the traditional one.

One definition of a payment gateway might be: payment gateway- an intermediary service that processes electronic transactions and is only a payment router. On technical language payment gateway is software module, which routes payments between the online store and various acquiring banks and other Internet acquiring service providers via single protocol interactions.

Thus, it is more logical to call a payment gateway an integrator of payment solutions and remember that no financial and settlement function is included in its activities.

Let's consider the role of the payment gateway in the entire payment chain from the payer to the merchant. The transaction path will consist of the following participants: Cardholder - Store - Payment gateway- Acquiring processor - MPS (Visa/Mastercard) - Card issuing bank - Issuer processor.

Buyer of services (card holder, individual)
Seller of services (shop, legal entity)
Financial representative of the buyer (bank 1 - card issuer)
Seller's financial representative (bank 2 - payment acquirer)
Payment system (Visa/Mastercard/AmericanExpress) as an intermediary between the issuing bank and the acquiring bank in processing and financial settlements between them
New Member - Payment Gateway

The buyer enters payment details/payment details through the web interface.
Information about the transaction details is transmitted to the payment gateway, the payment gateway forwards it to the acquiring bank.
The acquiring bank sends an information (authorization) request to the payment system (Mastercard, VISA, others).
If an authorization request is received, the issuing bank returns an authorization code that allows payment system make a deal.
This code is returned to the payment gateway, and from there a report is sent to the seller with the authorization result.
If the authorization is positive, the transaction is considered completed and the merchant can provide the service or ship the product. The funds will be debited from the payer's card and refunded to the merchant's account.

What's changing in modern conditions? The merchant (store), thanks to integration with the payment gateway, has additional channels payments, new payment providers (payment providers). Perhaps their number will increase as much as the payment gateway can absorb and process requests from possible payment providers.

Here it is necessary to clearly separate the capabilities and areas of activity of integrators and aggregators.
Functions of aggregators: integrate several payment acceptance methods into the merchant’s website at once. With this business model, the payment service is forced to pass cash flows through its accounts. Therefore, aggregators either cooperate with a partner credit institution or themselves have a license from a bank or non-bank credit institution.

What you need to know about PSP providers? How can they be useful to business and why did they so quickly become involved in payment processing? The answer lies on the surface. They help retailers accept payments online. They offer a single payment interface for one or more than one payment method.

They help traders in the field ecommerce accept traditional payment cards for payment, alternative ways payments (direct debit, electronic bank payments, and wallet payments (PayPal, Qiwi, Yandex.Money, Webmoney). But unlike the model of interaction with an aggregator, as part of cooperation with a PSP provider, the merchant will have to enter into a separate agreement for each method of accepting payments .

The PSP provider works solely as a technical integrator, providing a single interface for one or more payment methods. It can connect any store to the processing of the selected acquiring bank. The merchant (store) must still contact the bank or other financial institution to negotiate commission rates and payments.

Alternatively, a payment integrator can operate as a payment aggregator, providing a single interface for one or more payment methods, collecting payments and fees, and communicating with banks and financial institutions. But this is not a typical story. To do this, the merchant must enter into an agreement with a payment aggregator, and not with a credit institution directly.

Read more about the difference between aggregators and payment integrators.

What does a payment gateway do?

The Austrian-English provider Kalixa explains its functions to stores this way:

On the level of prepayment - helps merchants with integration, works to minimize fraud and risks. Makes payments. Supports back office activities.

Provides reports at the post-payment level. Dispute management (payment protests). Calculation and reconciliation management.

Thus, two models of work have taken hold in the processing services market:

The first - integration (payment gateway) - involves passing payments from the payer directly to the online store or through the processing center. This is a technological model that does not involve processing Money. The integrator will connect the acquiring bank indicated by the customer. The customer (store) will enter into an agreement with the bank and payment systems for settlement services. The entire operational and financial daily routine is carried out by the online store.

The second - the aggregator model - in addition to combining all payment acceptance options in a single technological gateway, includes the receipt of payments to the settlement account of the processing center, and only after that the funds are credited to the online store account.

The world's main suppliers of integrated payment solutions today:

Data from the report “The Forrester Wave: Global Commerce Payment Providers, Q4 2016”:

Find Adyen in the top right corner of the chart on Forrester's chart. Now let's look at Adyen's clients to understand the scope of their activities, as well as where to strive:

This is the current development of events. And the operational flows are here. More than Visa? More than Mastercard? We don't specifically check. But the trend has been set, and it is clearly visible. Cross-platform payments are no longer news, but a reality.

Let's look at a typical PSP operation when the PSP uses the redirect method. In this case, almost no effort is required from the store for integration. Choice technical solution here it remains for the PSP.

The PSP's technical solution might look like a redirect to the gateway page:

Or by loading the payment page in a JavaScript widget:

A successful financial transaction depends on each step of the journey:

Selecting a payment method
Entering payment details
Payment routing
Payment authorization

And the main tasks of PSP here are to provide basic business needs:

reliability: service level (SLA) and % conversion of payments into successful purchases at a level higher than what a single acquiring bank or payment provider can provide
protection: blocking fraudulent payments using an anti-fraud system without reducing the conversion rate
convenience for the payer: adaptive payment page for any device with high level usability
accounting: analytics, reports, reconciliation reports necessary for an Internet enterprise

The struggle for successful transactions is the struggle of a business for its sustainability. Each refusal leads to a loss of trust on the part of the client, be it a store that has become a client of an aggregator or payment integrator, or a client who has visited the store’s page.

A financial transaction is not just an information message sent from the server of one entity to another. It has the status of a guarantor document for the transfer of ownership rights to certain entities (goods or money). The importance of the financial intermediary in this exchange process cannot be underestimated. The buyer, the seller, the issuing and acquiring bank, and even the payment aggregator, if involved in the process, all trust the chosen processor (payment integrator, independent processing center). At the moment of confirmation of a successful transaction, the transaction is considered completed.

In order for new technologies, for example, blockchain technology, to win the minds of users, the next round of development of the information and financial system must occur. This method is still far from being a popular to an established method of calculation. However, we find it increasingly difficult to remember the moments when unique technologies became widespread. Will a unified electronic accounting ledger (blockchain) be able to simplify the settlement process? It’s a matter of time. Today's processors, integrators and payment aggregators have compelling reasons to continue to improve their products for disruptive innovation.

Payment gateway(Payment Gateway) - a service for fast and secure processing of electronic transactions, an online analogue of the payment terminal used in retail outlets. Authorizes payments and provides contact between seller, buyer and bank.

Payment gateways are software applications, created specifically for e-commerce. However, thanks to the tools they contain for quickly and accurately activating payments, they have also found application in traditional business. The security of information exchange through the payment gateway is achieved by encrypting personal data (such as the number credit card, secret code etc.) with using SSL(Secure Socket Layer). Many hosting companies include payment gateways in their standard client packages.

To purchase a product through a payment gateway, the customer must have account in the appropriate system. But once he has registered, then when making a purchase, he selects a payment method through a payment gateway and enters the Password - the card data is transferred automatically. Some online stores offer their customers two alternative ways to pay for goods: through a gateway or with a bank card. If the seller does not have the tools to independently process plastic cards, he uses only a payment gateway (for example, almost all transactions are made on the eBay auction). For the buyer, using the payment gateway is free, the seller pays interest on completed transactions.

How does a payment gateway work?

To use payment gateways, you must be connected to the Internet.

The buyer completes the transaction through the website or physically.
The data is sent to the payment gateway, which receives the information and then transmits the transaction details to the bank that issued the card with which the purchase was paid.
The bank sends a request to the payment system (VISA, Mastercard, etc.). The compliance of the transaction terms and the client’s credit situation is assessed.
The issuing bank sends an authorization code, which “gives the go-ahead” to the payment system to complete the transaction.
The payment system sends the authorization code to the payment gateway, from where it is sent to the merchant.
If the transaction is approved, the sale goes through and the money is withdrawn from the client's account.

The whole process takes a few seconds. Speed depends on the quality of the Internet connection. In reality, the seller receives the client's money in about 3 days.

Payment gateways in Nemo.travel

The Nemo.travel booking system has gateways to the most popular payment solution providers:

Processing center Uniteller carries out Internet acquiring based on a payment solution own development, which allows you to implement all the required services. Quick and easy customization of the payment page simplifies the payment process as much as possible. Payment security is confirmed by the PCI DSS 2.0 security certificate. 24/7 Fraud monitoring and support for the 3D Secure protocol eliminates illegal use bank cards. A significant advantage for air ticket booking systems is support for “long record” and integration with GDS, which can significantly reduce acquiring fees.

ChronoPay – international operator Internet payments by bank cards. ChronoPay's payment processing system allows you to authorize and process online payments in accordance with global standards of security and reliability in real time. The company provides clients with the opportunity to use a wide range of payment instruments. In addition to supporting common types of bank cards, ChronoPay works closely with regional systems Internet payments in Russia and around the world.

System Moneta.ru is an aggregator of popular electronic payment systems. Payment systems such as Yandex.Money, WebMoney, OSMP, HandyBank are connected to the system.

Over 6 years of work in the field of e-commerce, the company "Universal Financial System" has done significant work on the creation and implementation of complex payment solutions, configuration, integration various systems- integration with processing systems of various specifications, creation of systems information security, gateway with billing systems mobile operators, connection to the reservation system train tickets"Express-3", development of a data exchange system with unified settlement centers of the housing and communal services service, etc. During the work, unique experience was acquired in the field of payment systems, a strong team of developers was formed, effective solutions were created based on our own know-how developments, especially in area integrated security and continuity of systems operation.

Company "Combined clearing center» (“ORC”) was formed in 2005 by a group of specialists with extensive experience in the IT industry and finance. The company's headquarters is located in St. Petersburg, Russia. For the convenience of customers, in various cities Russian Federation The company has representative offices in the neighboring countries.

QIWI(KIWI) is convenient service to pay for all everyday services: from mobile communications and housing and communal services to bank loans. Through QIWI you can purchase train tickets, pay for purchases in online stores and much more. Payment QIWI terminals(KIWI) is everywhere.

Comepay- This universal system payments - a modern software and hardware complex that allows you to organize the acceptance and crediting of operator payments cellular communication, Internet providers, IP telephony operators, commercial television and any other services.

Webmoney- one of the most popular systems online payments in Russia, Ukraine and other CIS countries. Founded in 1998. Payments in the system are instant and irrevocable. The latter means complete protection of the ticket agency from returns, chargebacks, and abuse by the payer. WebMoney technology was created to provide all System participants with uniform interfaces for direct management of their property rights to valuables stored in specialized companies - Guarantors.

CoPAYco- a reliable and convenient Internet service that allows you to use money for plastic cards and bank accounts without leaving home. You can pay for goods and services via the Internet - at any convenient time.

PrivatBank- the largest bank in Ukraine in terms of the number of clients, assets, and loan portfolio. PrivatBank, unlike most large banks in Ukraine, is located not in Kyiv, but in Dnepropetrovsk. In addition, PrivatBank is the largest commercial bank in Ukraine with domestic capital. PrivatBank became the first bank in Ukraine to offer its clients a simple way to use Internet banking capabilities.

Universal payment gateway Nemo- a gateway built into the system allows you to communicate with any payment service, for example, developed specifically for your company.

Platron– universal system electronic payments for a website, connecting online payments between online stores, customers and payment systems.

PayPal– electronic money operator. Allows customers to pay bills and purchases, send and receive Money transfers. In case of payment for purchases the most important feature PayPal is committed to providing security guarantees to both the buyer and the seller.

Belassist– a multi-bank system for accepting payments by bank cards via the Internet, allowing real-time authorization and processing of electronic payments. The company organizes the reception of bank VISA cards, VISA Electron, MasterCard, Maestro, American Express on the online store website.

Processing.kz- company providing technological processes for the provision of Internet acquiring services for banks in Kazakhstan, payment by payment cards for online stores and full protection card data for buyers. Accepts online payments by bank cards of the most popular payment systems Visa and MasterCard. Uses 3-D Secure technology and data transmission using the TLS/SSL protocol. Advantages: ease of connection to the processing center and individual approach to each client.

Kazkommertsbank- is one of the largest banks in Kazakhstan and Central Asia. The Nemo.travel system is integrated through open E-commerce system authorization of plastic cards via the Internet with unique system ensuring the security of electronic payments Visa 3D-Secure.

Agroindbank- the largest commercial bank in Moldova. For more information about connection, see

Billing systems,

Payment systems ,

Development for e-commerce

With the advent of a new participant online - a payment gateway or PSP Gateway (Payment Service Provider Gateway), the acquiring scheme began to differ from the traditional one.

One definition of a payment gateway might be: payment gateway- an intermediary service that processes electronic transactions and is only a payment router. In technical language, a payment gateway is a software module that routes payments between an online store and various acquiring banks and other Internet acquiring service providers through a single interaction protocol.

Thus, it is more logical to call a payment gateway an integrator of payment solutions and remember that no financial and settlement function is included in its activities.

Buyer of services (card holder, individual)
Seller of services (shop, legal entity)
Financial representative of the buyer (bank 1 - card issuer)
Seller's financial representative (bank 2 - payment acquirer)
Payment system (Visa/Mastercard/AmericanExpress) as an intermediary between the issuing bank and the acquiring bank in processing and financial settlements between them
New Member - Payment Gateway

The buyer enters payment details/payment details through the web interface.
Information about the transaction details is transmitted to the payment gateway, the payment gateway forwards it to the acquiring bank.
The acquiring bank sends an information (authorization) request to the payment system (Mastercard, VISA, others).
If an authorization request is received, the issuing bank returns an authorization code that allows the payment system to complete the transaction.
This code is returned to the payment gateway, and from there a report is sent to the seller with the authorization result.
If the authorization is positive, the transaction is considered completed and the merchant can provide the service or ship the product. The funds will be debited from the payer's card and refunded to the merchant's account.

What is changing in modern conditions? The merchant (store), thanks to integration with the payment gateway, has additional payment channels and new payment providers (payment providers). Perhaps their number will increase as much as the payment gateway can absorb and process requests from possible payment providers.

They help e-commerce merchants accept traditional payment cards, alternative payment methods (direct debit, electronic bank payments, and wallet payments (PayPal, Qiwi, Yandex.Money, Webmoney). But unlike the aggregator interaction model, As part of cooperation with a PSP provider, the merchant will have to enter into a separate agreement for each method of accepting payments.

Read more about the difference between aggregators and payment integrators.

What does a payment gateway do?

The Austrian-English provider Kalixa explains its functions to stores this way:

On the level of prepayment - helps merchants with integration, works to minimize fraud and risks. Makes payments. Supports back office activities.

Provides reports at the post-payment level. Dispute management (payment protests). Calculation and reconciliation management.

Thus, two models of work have taken hold in the processing services market:

The first - integration (payment gateway) - involves passing payments from the payer directly to the online store or through the processing center. This is a technological model that does not involve the processing of funds. The integrator will connect the acquiring bank indicated by the customer. The customer (store) will enter into an agreement with the bank and payment systems for settlement services. The entire operational and financial daily routine is carried out by the online store.

The world's main suppliers of integrated payment solutions today:

Data from the report “The Forrester Wave: Global Commerce Payment Providers, Q4 2016”:

Find Adyen in the top right corner of the chart on Forrester's chart. Now let's look at Adyen's clients to understand the scope of their activities, as well as where to strive:

Let's look at a typical PSP operation when the PSP uses the redirect method. In this case, almost no effort is required from the store for integration. The choice of technical solution here remains with the PSP.

The PSP's technical solution might look like a redirect to the gateway page:

Or by loading the payment page in a JavaScript widget:

A successful financial transaction depends on each step of the journey:

Selecting a payment method
Entering payment details
Payment routing
Payment authorization

And the main tasks of PSP here are to provide basic business needs:

reliability: service level (SLA) and % conversion of payments into successful purchases at a level higher than what a single acquiring bank or payment provider can provide
protection: blocking fraudulent payments using an anti-fraud system without reducing the conversion rate
convenience for the payer: adaptive payment page for any device with a high level of usability
accounting: analytics, reports, reconciliation reports necessary for an Internet enterprise

In order for new technologies, for example, blockchain technology, to win the minds of users, the next round of development of the information and financial system must occur. This method is still far from being a popular to an established method of calculation. However, we are finding it increasingly difficult to remember the moments when unique technologies became widespread. Will a unified electronic accounting ledger (blockchain) be able to simplify the settlement process? It’s a matter of time. Today's processors, integrators and payment aggregators have compelling reasons to continue to improve their products for disruptive innovation.