How to connect online payment acceptance? How to make a payment in the online store through payment systems? Overview of well-known payment aggregators.
Hi all. Today I will tell you about accepting payments on the site. I decided to write this article because I know that today many people have something to sell on the Internet. Some valuable information paid consultations, knowledge, goods, various services for money, some information products, trainings, webinars, etc.
For starters, the most important thing. If you now go further on the Internet to look for information on how to set up payment acceptance on the site, connect payment systems and all that, then you will break your leg and at the same time your head, because everything is written for alien creatures in an incomprehensible language.
To make it easier for you, my team and I have developed for you a special script for accepting payments on the site, and at the same time organizing your own affiliate program and support service - ORDERBRO.
Thanks to this script, you will set up your website Acceptance of payment in just 2-3 hours , Even if you complete zero and not issued as an individual entrepreneur .
You will be able to accept webmoney, Yandex money, plastic cards, bank and postal transfers, QIWI, payment terminals, SMS payments and many other types of payments.
And attention! You will not pay anyone any % of sales and make monthly subscription fees services, some of which charge 10-15 thousand per month for use.
Today on the market given script is No. 1 and hundreds of people who sell something online have already seen this.
You can learn more about the script on the selling page. We also provide a service - installing a script on your site on a turnkey basis and setting it up.
I myself use this script to promote my courses, trainings, etc. And this script has already brought me more than 15,000,000 rubles of net profit over 5 years.
To attract a buyer and offer him to buy what you want to sell is not a problem, posted information on the product being sold on your website or blog, advertised in Yandex, google adwords or bodyclick and people themselves will come to you, but how to accept payment is another story.
Here you need to do everything very clearly, so that it is convenient and safe for the buyer to pay for something on your site and you have no problems with processing orders and withdrawing money into your hands!
I know that many people think this way - it is very difficult to accept payment on the site, you need to understand something, configure something, conclude contracts, agreements, etc. In short, hemorrhoids in one word. I used to think so too. It's not like that at all Dear friends, everything is done much easier than you think, you just need to understand this process a little and it's done! The first time is always difficult!
This article is just written in order to give you basic knowledge on organizing the acceptance of payments on a website or blog. So that you know what methods of accepting payments on the site exist, what electronic currencies are mainly used on the Internet, how to take money from a person on the Internet and how to withdraw it from the Internet to your bank account paying taxes for every ruble you earn!
So! I'll give you an example. Let's say I decided to sell one of my own online and make money from it. What do I need for this?
1. Website for the sale of an information product (possible)
2. The system for accepting payments on the site (an intermediary between you and the buyer).
The site is clear. Now it will not be difficult for any person, even a complete loser, to make it. Educational video courses and literature on the Internet in bulk. I learned how to make websites from scratch in 2 days. There is a desire, everything will be!
Okay, I made a website, placed information on the product being sold on it, now I need to make it so that the person who enters my website sees the button "Pay", "Order", "Buy", "Place an order", etc. If he decides to buy my product, he will click on the button and proceed to pay for the goods using the methods available in the system.
Which payment methods on the site are mainly used when buying digital or physical goods, services, etc.
1. Payment with plastic cards Visa, Master Card, Maestro, etc.
2. Payment by e-money Webmoney, Yandex Money, Rupay, LiqPay, etc. (a bunch of them).
3. Payment by cash on delivery.
4. Payment by money transfer.
5. Payment by manual transfer through the same electronic payment systems.
6. Cash payment to the courier.
7. Payment via SMS (SMS).
These are the most basic payment methods.
So! What needs to be done so that a person can pay for something on my site in any way? Everything is simple. I need to connect (connect my site) to some reliable service for accepting payments on the Internet. Today there are a lot of them, I don’t want to choose. Here are the most famous, proven and reliable.
In principle, the scheme of work for all these services is almost the same. You register an account, connect the store, set it up (nothing complicated) and you are given some code that needs to be placed on your site in order for the payment button or payment form to be displayed in its place, etc.
Of course, you will need to tinker a little in the code or set up methods for accepting payments, etc., well, in principle, there is nothing complicated there, there is an instruction in each payment order.
For example, I decided to use the services of the system RBK Money and I want to accept payments on the site using this payment system, selling one of my video courses. What am I doing?
I go and register an account where I will have my personal cash account. After that, I connect the store by going to the appropriate section of the RBK Money website and filling in all the necessary data (see picture)
Notice this system does not accept applications for connecting a store from ordinary individuals, at least you must be registered as an individual entrepreneur and have a PSRN. Don't worry, not everyone is so strict. You can do without IP in most cases.
After the store is connected, I need to copy the HTML code that RBK Money will give me and paste it into right place your site. Here is an example:
In place of the HTML code I inserted, the following payment method selection form and the “buy” button will be displayed. A person will check the necessary and convenient payment method for him, click "buy" and he will be redirected to the payment page for the goods.
This page will be automatically created and designed by the RBK Money service . He will deal with everything else himself, both with security and with accepting payment and crediting it to my account in RBK Money. I don’t need to do anything else, nor do I need to program, configure, send notifications, etc.
All I have to do is send the product to the customer and say thank you for the purchase. =) How the product is delivered to the buyer is another topic, by the way, in my video course “How to create an information product and make money on it”, I told everything in detail.
If you notice, then RBK Money accepts payment in several ways at once. In general, everything is simple. If you have any questions about accepting payments with RBK Money , then there is a support service where you will always be promptly answered.
Let's have a couple more examples. Here is the Sprypay payment acceptance system, (does not require an IP to connect) is also not very bad. By the way, I use it as needed. The scheme is the same. Go to the Sprypay website, register there and you will have your personal account, the currency you choose yourself is RUR or USD.
You connect the store, set it up and you are again given some kind of code that needs to be placed on your website or blog. Sprouts by the way more ways receiving money from the buyer.
Another example. Robokassa payment acceptance system (does not require IP to connect). Again everything is the same. Go to the site, register, connect the store and they give you a code. Here is one example of the payment acceptance form in Robokassa:
Not bad system accepting payments - z-payment (does not require IP to connect). It has been working for a long time and reviews about it are not bad.
Here is a screenshot of the work of interkassa:
AT general scheme about how to accept money from people on your site, I think it's understandable. You set up your store in some payment system, place the code on the site and the payment button is displayed on it. A person clicking on it chooses which way it is better for him to pay for the purchase (by card, webmoney, Yandex money, etc., by mail) and pays for it.
You receive money to your account in the payment system and send the order to the buyer. Everything is simple!
Explore all these payment systems, choose the one that suits you best and use it. Different systems have different fees, different ways withdrawal of money, etc. When connecting to any payment system, think about everything in advance and find out so that there are no problems later.
Some payment systems do not accept Webmoney and Yandex Money, and if they do, then only the field of how you will be carefully checked for a personal certificate, seller's certificate, and everything else. If you want to enable people to pay for goods on your site with these electronic currencies separately, without connecting to payment systems, then there is nothing particularly complicated here either.
I wrote about manual acceptance of webmoney here - "", in order to accept webmoney in automatic mode you need to resolve this issue with the webmoney system itself. Get a passport, draw up an agreement, set up payment acceptance, etc., and only then will you be able to accept payments on the site.
With Yandex Money the same situation. In order to connect an online store to the Yandex.Money payment system, you need to:
— Submit a connection request from the system website.
— Conclude an agreement with PS Yandex.Money LLC.
— Implement technical connection to the payment system.
In general, find out. If I ever decide to accept payments on the webmoney site and Yandex Money separately, I will write a whole post about it and tell you all my steps in detail.
Affiliate program - what is it? Here is an example. Let's say you sell some kind of training video course (DVD) and ask for 1000 rubles for it. You can link to video course sales affiliate program. Like, recommend this video course on the Internet and get, say, 400 rubles from each sale according to your recommendation.
Any payment acceptance script, and the same OrderBro will generate affiliate links for each program participant, control the number of attracted partners, buyers, partners earn money, etc. In general, a cool thing for sure!
OrderBro Today it is one of the most popular in organizing the acceptance of payments on the site, as it simplifies several times and automates the work of sellers. No hemorrhoids, everything is clear and understandable, a complete report on orders, types of orders, payment methods and other things.
See who paid for what and deliver the goods to the buyer. Go to the site and read all about this script in detail.
So. Now about the withdrawal of money from payment systems. Almost all payment systems can transfer you earned money to other payment systems, webmoney, Yandex money, etc., but why do you need money to walk around payments? You want to get your hands on them right? Right!
To do this, you will need to register as an individual entrepreneur and create a bank account for yourself, and payment systems will transfer money to you after you conclude a money transfer agreement with them and they check you. No one will transfer money to individuals.
Taxes must be paid! =) I wrote a whole article about this - "". Well, if your income is not large, then you can not open an individual entrepreneur at the initial stage, you can pay for purchases on the Internet (domain, hosting, advertising, etc.)
So, well, that seems to be all about it! The article turned out, in my opinion, not bad, it will be very useful for beginners to read and gain basic knowledge on this topic. Now you also know how to organize the acceptance of payments on the site.
Services for accepting payments on the site are becoming more and more every day. The world does not stand still, every day everything large quantity people make purchases via the Internet, pay for some services, etc. Today, almost everything can be paid online. Phone, traffic police fines, taxes, utilities and more.
You can sell anything over the Internet, even information! Use this opportunity!
ATTENTION!!! If you want to learn how to accept payments on the site from A to Z, then I recommend this course of mine:
P.S. How do you like the article? I advise you not to miss information about new free video courses and blog contests!
Sincerely, Alexander Borisov
With this form of payment, it should be noted that the sale for cash of any product or service in Russia must be carried out through a cash register with the issuance of an appropriate receipt to the buyer. This is easy to organize when picking up the goods, but if we are talking about delivery by courier, then the issue is somewhat more complicated. According to the regulatory authorities, the courier must carry a portable self-powered cash register. Such equipment is available on the market in a sufficient range, but, of course, its acquisition requires additional costs.
Many online stores follow a simpler path by installing one cash register in the office. The scheme is simple - the courier prints out a check in the office and delivers it to the buyer along with the goods. It is difficult to say whether such actions are legal. On the one hand, there is an indirect violation of the rules of trade due to a noticeable discrepancy in the time of issuing a check and receiving payment. On the other hand, this does not fall under administrative offenses, as it is not spelled out in the current administrative code. However, the fact that such an “improvement” does not meet with understanding from regulatory authorities is unambiguous and can cause problems.
Payment by bank cards
Bank cards are one of the most convenient forms of payment. Today, more and more widespread credit cards, which allow users to place orders without going to the bank to apply for a loan.
Accordingly, the successful functioning of an online store directly depends on its interaction with existing payment systems. Therefore, you are required to:
- Submit an application and register in the system electronic payments. After consideration of the application, a personal code will be assigned in the system.
- Conclude an agreement on Internet acquiring with the bank. Within its framework, the bank will open a current account, where the money will go from buyers who have made a purchase using plastic cards.
The bank with which you conclude an agreement will charge a fee for connecting to the system and servicing the current account. Daily on email traffic statement will be sent Money, on the basis of which you can record the fact of payment for the goods and organize delivery. But it should be remembered that when paying with bank cards, as well as with cash, the use of cash registers is required.
Payment by electronic money
Electronic money - Webmoney, Yandex.Money, Mail-Money, PayCash, etc. are a form of cashless payment and do not require the use of cash register equipment. At this method payment from the online store is required to register in the payment system, provide the center with all the necessary, including primary, documentation. Registration is also required from the buyer, but it goes through a much simpler procedure.
To make a purchase, the buyer must have the required amount of electronic money on his electronic wallet. You can replenish them by depositing in cash or by bank transfer. Naturally, in order to make a purchase in your online store, rarely will anyone specifically start an electronic wallet, given form payment is rather designed for long-term users. Nevertheless, it does not hurt, at least, to provide links to the relevant sites of electronic payment systems or mark up topical articles on the site.
Payment for the goods is made by transferring electronic currency from the buyer's account to the seller's account. For this there is special programs or web interface. The fact of making a payment is registered by receiving notifications through the program, web interface or by receiving notifications by e-mail.
If the buyer canceled the order
We are talking about the semi-legal option mentioned above, when the check is printed in the office and delivered by courier along with the goods. If the goods delivered by you are not suitable for the buyer, and the check has already been printed and is in the memory of the cash register, then it is necessary to act according to the Rule of the Ministry of Finance of Russia No. 104 of 08/30/1993. It provides for the drawing up at the end of the working day of an act in the form of KM-3. Recall that this red tape can be avoided by equipping the courier with a portable cash register that will issue a check after the buyer evaluates, accepts and pays for the goods. This allows not only to reduce the risk of a return, but also to avoid problems with regulatory authorities.
Many aspiring entrepreneurs who are going to launch an online store face. How to do it right without breaking the law? Let's figure it out in this article.
In general, there are two ways to organize payments online: organize direct payment acceptance through an acquiring bank and, that is, through an intermediary.
Which method is more profitable? It depends on the scale of your business. For a fairly large company with decent turnover, the first option will be much more profitable: the costs of connecting to the payment system will pay off relatively quickly. For small firms just starting a business, it is recommended to pay attention to the second option. The payment aggregator allows you to connect several types of payment at once, which can be beneficial in order to attract customers. The aggregator's commission in this case will cost less than the fee for using the payment system.
How to directly connect Internet acquiring
In order to accept money using plastic cards on your website, you first need to make a choice of the bank with which you will work. The task is not easy. What is recommended to pay attention to?
- Commission. Banks set a certain amount of commission, usually a certain percentage of each payment made. Find out the conditions of the bank in advance. Note that the optimal commission amount is up to 3%.
- Does the bank charge a connection fee? Many banks additional fee do not charge for this operation.
- Does the bank have its own processing center. If there is, then the cost of services of such a bank will be less compared to other offers.
- Which cards can be accepted. Acceptance of the most common cards - VISA and MasterCard - must be configured.
- Does the bank require collateral in the form of a deposit? If there is no such requirement, then you do not need to always have a security deposit in your account.
- Does the bank have technical support. Technical support it should be even better if it is around the clock. So you protect yourself from unforeseen situations, as you can always solve the problem that has arisen.
Evaluate the banks on all of the above parameters and select best option. Then you need to submit an application for connection and a package of documents to the selected bank. The composition of the submitted documents is determined by the bank. The bank also checks your site whether it meets the technical requirements or not. If all the requirements are met, then you can set up integration with the bank's system.
When using this option, all customer payments will be sent to your current bank account. It should be noted that Internet acquiring as a procedure is completely transparent for tax authorities.
What to do with an e-wallet
There are many nuances with accepting payments in electronic wallets.
Firstly, a separate law “On the National Payment System” is devoted to this area. According to this regulation, if you want to use a wallet for business purposes, it must be a corporate one. This means that to create it, you must specify the details of your company, and then link it to your current account: you can replenish your wallet or withdraw funds from it only to this linked account.
Secondly, to start such a wallet, you need to sign an agreement with the chosen payment system. It must comply with the provisions of the law and apply to credit institutions. The most famous of these systems are Yandex.Money, Paypal, someone also uses QIWI. Webmoney is also very popular, but it does not fall under the law mentioned above, therefore it can offer an agency scheme of work. The nuance is that in this case you will not have to register in the system itself, that is, there will be no violation of the law on your part.
Thirdly, the selected payment system will also check your site. The main requirements are:
- first / second level domain;
- hosting the site on a paid server (a free server will cause failure);
- the relevance of the contacts indicated on the site.
You will be able to conclude an agreement and set up payment acceptance only upon receipt of a positive conclusion after verification.
Finally, there are restrictions on the acceptance of electronic money. Payments can only be made by individuals, individual entrepreneurs and organizations cannot make electronic money settlements among themselves - this is prohibited by law. The limit of the balance of money on the corporate wallet is set at 600 thousand rubles, all funds in excess of the limit will be transferred to the current account without your order.
Thus, it is forbidden to use a personal wallet in business activities. This is considered a violation. If small turnovers in the amount of 10-30 thousand rubles can go unnoticed, then it is impossible to use it in business with large turnovers.
How to work with a payment aggregator
The payment aggregator allows you to use several payment methods at once, for this it is not necessary to sign agreements with each payment system. The aggregator, within the framework of a single agreement, will set up the desired payment acceptance option for you, acting as an intermediary between the entrepreneur and the service provider.
The main advantage of the agreement with the aggregator is that there is no need to develop your own payment page. This significantly speeds up the procedure for connecting to online payments. You do not need to monitor several wallets at once. All funds from clients will be credited to the aggregator's account, and then transferred from it to your details. For such a service, the intermediary usually charges an increased commission.
There are many popular aggregators, for example, known to everyone. You need to choose an aggregator according to approximately the same criteria as the acquiring bank: you should pay attention to the size of the commission, the conditions and terms of connection, and the availability of technical support.
Internet sales tax
Starting Internet businessmen most often pay taxes on the simplified tax system. According to the law, the tax should be calculated from the amount that came from the client, and not from the amount that came to your current account after deducting the commission. This is due to the fact that sales revenues are considered as the cost of all goods and services. When calculating tax on the simplified tax system, income is reflected on the date of payment by the client.
If you use the simplified tax system with the base "income minus expenses", then the amount of the commission can be taken into account as part of the expenses. The confirmation document of the date of receipt of income may be an e-wallet statement, a register of payments or another report that the aggregator provides you. The commission is usually taken into account on the date of the supporting document, since it is debited immediately when the payment is made and it is rather problematic to take it into account as of the same day.
The ability to pay with a bank card has long ceased to be a luxury. More and more buyers when choosing an online store pay attention to this option. If your resource does not yet support online payments, it's time to enable payment by bank card on the website .
Those banks that provide the ability to accept payments on the Internet using their plastic cards are called acquiring banks. There are two main ways to install payment by bank card on the site:
- Connect the acquiring bank module directly.
- take advantage payment service. The so-called payment aggregators make the online payment process convenient for users, and simplify the work with payment systems for site owners.
By the way, with the help of payment aggregator services, you can receive payment on the site not only with bank cards, but also with other popular ways(Yandex. Money, WebMoney, QIWI, etc.).
How to pay by card on the site safe?
When paying and accepting payments with bank cards, buyers and sellers have a question: how safe is it? Customers of an online store want to be sure that when buying from them, they will not write off money in excess of the amount paid. Website owners, on the other hand, want to protect themselves from scammers who withdraw payments from the bank after receiving the goods.
From the author: Hello, friends! According to statistics, about 10% of online store visitors are eliminated even at the stage of paying for the purchase, because they simply cannot understand how to pay for a product or service, or the form of payment presented on the site is inconvenient for them. In our article today, you will learn how to make a payment in an online store. And this is perhaps the easiest way to increase the number of sales without investment.
Since most people start creating an online business without legal registration, we will look at the process of connecting payment in an online store for an individual. Our task today is to organize the process of transferring money from site users who want to purchase goods to you on bank card. And everything should work automatically.
If you are creating an online store for the first time, we recommend that you first familiarize yourself with the creation of effective commercial sites. If you have an online platform ready for sales, you can immediately proceed to consider how to organize payment in an online store.
The technical side of the issue
From a technical point of view, the process of creating a payment in an online store is as follows. The customer completes the purchase and is issued an invoice. Then he chooses a suitable payment system and enters the necessary data to make a payment.
If the user specified everything correctly, then the payment system server sends a request to the previously specified URL of the online store, and trading floor, in turn, transfers money to the client's account. In case of incorrectly specified data or other technical failures, the system will notify the person that the payment has not gone through.
If the operation was successful, then the person will be transferred to a special page, where there will be a comment indicating that the payment has been made and the money has been credited.
Choosing a payment system
There are many different payment systems, however, let's focus on how to set up payment in an online store based on the 5 most popular of them.
Robokassa
Connection takes several simple steps: register on the site, specify the data of the online store, set up the form of payment on your site. The specifics of working with Robokassa also involves the passage of a special moderation. The system requires the presence of the following characteristic details on your site:
contact details with representatives of the store.
The payment commission varies depending on the chosen payment system and can reach 12%.
W1
Connection takes place in a similar way: registration, indication of personal data, setting parameters for own needs. Commission - from 3%.
Qiwi wallet
The basic connection procedure is also simple. You go through a quick registration, then a specific manager is assigned to you, with whom further consultations on technical issues take place. The specificity of the Qiwi wallet involves, in addition to entering standard data by the user, also checking for the validity of the phone number.
Qiwi commission is 1% of all transfers.
Yandex money
This is one of the most popular types of payment systems, so we decided to mention it so that you don't have any questions about it. The Yandex.Money system does not involve working with individuals. Moreover, even if you entity, then there is still a minimum financial limit, below which cooperation with the online store is impossible.
Therefore, connecting Yandex.Money will have to wait until the store gains proper momentum. If the availability of this payment method is important for you, then give preference to Robokassa as the main payment system of your online store. This is the only external platform that supports Yandex.Money.
WebMoney
It will take a little more time to organize automatic acceptance of payments in the WebMoney system. First of all, you need to register a personal certificate. This may take about a week, because the WebMoney company requires sending a notarized application using Russian mail.
After that, add an online store to the catalog of sites on megastock.ru. It will take another 1-3 days. The advantage of the system is that you can test the payment (in fact, everything goes through in a standard way, only the money is not withdrawn). This advantage allows you to catch errors in the code in advance.
The funds transferred by the client go to the account specified during registration WebMoney wallet. The commission is provided only for making the payment itself (withdrawn from the client).
What is the value of connecting online payment?
However, owners of physical goods will also benefit significantly from connecting the payment system to the online store. The latter will save a lot of time from forwarding the account number to customers and unnecessary waiting until people drop the right amount. In turn, payment systems will allow buyers to save on delivery and save them from red tape.
It is worth noting that we have not studied all existing payment systems, but only the most popular ones.
How to be legal entities?
To connect online payment to an online store for a legal entity, you need to perform almost the same steps. Consider only the fact that it will take a little more time to organize the process. This is due to the need to conclude a formal contract that provides for more thorough checks of your activities.
You received a detailed answer on how to choose a payment system for an online store and connect it properly. The procedure is simple, the main thing is to carefully fill in the data during registration, otherwise you will spend a lot of time adjusting them in support.
If you have a desire to learn more about the functionality of your online store, then we recommend that you take note of some useful online courses from.
