How to make a payment in the online store through payment systems? Methods of payment Characteristics, conditions and limitations of the service "Mobile payment".

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 to 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 by selling one of their 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 get yourself a bank account, that's where 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

Expand all

How is the available amount of the promised payment calculated?

The more actively you communicate, the higher the amount of the promised payment:

See monthly expenses:

• in the application "My MTS". To do this, go to the section "Account and payment" → "Control of expenses"

If you spend more than 500 rubles on communication. per month, you can set an additional promised payment if you have an existing one. The total amount of established payments should not exceed 1000 rubles.

What is the price

The fee for the "Promised Payment" service depends on the amount of the promised payment:

Each promised payment is billed separately. Write-off is made after the expiration of the payment validity period in excess of the amount of the previously promised payment entered.

All prices are inclusive of VAT.

*The indicated cost is valid from 01/30/2020 on tariff plans: Smart, Smart 022015, Smart 032017, Smart 052013, Smart 092018, Smart 102014, Smart 102016, smart mini 022015, Smart mini 022016, Smart mini 032018, Smart mini 042017, Smart mini 072017, Smart mini 102014, Smart mini 102016, Smart mini 112013, Smart mini 112015, Smart Nonstop 082015, Smart Nonstop 122015, Smart Top, Smart Top 092014, Smart Top 092016, Smart Unlimited 032017, Smart Unlimited 052016, Smart Zabugorishche, Smart+ 022015, Smart+ 092016, Smart+ 102014, X, My Smart, My Unlimited, Our Smart, Tariff, RED, RED Energy, RED Energy 2011, RED Energy 2013, My friend, my friend 042016, Super MTS 0513, My friend 062018, Per second, Super MTS, Super MTS 042014, Super MTS 0513, Super MTS 082013, Super MTS 092014, Super MTS 122014, Super MTS 2013, Super MTS., Super MTS. Region 072014, Super MTS. Region 072015, MAXI, Many calls, Many calls to all networks., Jeans 0.07 per minute 2009, Cool 2009, Regional, Excellent, First, Free 082013, Super Jeans per minute 2009, Super Zero 2011

How to get the promised payment

The service is available for connection with a balance of up to minus 300 rubles.

1 way. Dial the free command *111*123# .

2 way. Activate the service in the application "My MTS". To do this, go to the "Services" → "Available" → "Opportunities at zero" section.

3 way. Activate the service in your Personal Account.

4 way. Call on free number 1113 .

To automatically replenish your account without commission using a bank card, use the "Auto payment" service.

Connection conditions

The service is available to subscribers of all tariff plans, except for the tariff lines "Guest", "MTS iPad", "Basic", "Your country" and "Resort"

To activate the "Promised Payment" service, make sure that:

• You are an MTS subscriber for more than 60 days.
• You have no debts on other personal accounts in MTS.
• You have not activated the services "On full trust" or "Credit".
• You do not have a valid promised payment. The exception is when an additional payment is available.
• You are not served on a credit method of payment.

When using the "Promised payment" service, the conditions of the current tariff apply, the method of payment does not change.

The balance is displayed taking into account the amount of the established promised payment.

How to pay off the promised payment

To redeem the promised payment, replenish your account with an amount equal to the amount of the promised payment and the cost of its connection.

When replenishing the account by any of the methods, the previously promised payment and the service fee are automatically repaid:

• Partial. If the funds received on the account do not fully cover the amount of the promised payment and the cost of its connection.
• Complete. If the funds received on the account cover the amount of the promised payment and the cost of its connection.

It is important that your number is not blocked, within ten days, replenish your account with an amount that is more than the amount of the real debt on the account, excluding the previously established payment.

Example Imagine that your balance is minus 200 rubles and you connected the promised payment of 500 rubles - 300 rubles appeared on your account. You spent 150 rubles, the balance of the account became equal to 150 rubles. After ten days, 552 rubles will be debited from you (the amount of the promised payment and 52 rubles the cost of using it), and the account balance will be minus 402 rubles (i.e. 150 - 552 rubles).

Thanks to which you will set up accepting payments on the site in 2 hours, even if you are not registered as an individual entrepreneur and do not understand the technical details at all.

Many webmasters, when launching a website or blog, dream of making money on their offspring. Our team is trying to help blog readers with this "Webmaster's World" and today we will talk about how to make accepting payments on the site. Agree, because many have something to offer potential buyers, but the lack of knowledge or the inability to place a payment acceptance aggregator on their portal deprives someone of a decent income.

Payment options

So, in order to organize payment acceptance on your site, you need to decide for yourself how you will work - with separate payment systems or payment aggregators. First option– low commissions, but strict requirements for web resources, second option- a little more commission and the money "falls" first to the partners.

General principle of working with payment aggregators

All systems for receiving money from buyers have a single principle of operation:

• The user enters the required data in certain form(full name, nickname, e-mail, etc.)
• After filling out the form, the buyer gets to the payment page in the selected electronic payment system
• The owner of the product receives a letter from the partner with payment data and checks the correctness of the payment
• The buyer is redirected to the file download page or receives a password to access private pages or files. If this is an online store, the buyer receives an email with a notification that his order has been accepted.

Of course, this is a schematic explanation, each payment system aggregator has its own algorithms of actions, its own nuances, and when starting to work with them, the owner of the web resource should carefully study all the features of "payments". And be sure to make a test purchase to make sure everything works as it should.

The easiest way to accept payments on the site

Let's look at the options for installing payment systems. The easiest and simplest option is to indicate the wallet number in Yandex, WebMoney, Mail.ru, RBC Money, etc. in a separate block on the site. and the amount you want to see on your invoice for the item. If there are several products, then the information will have to be placed on the offer page.

This method of accepting payments has more disadvantages than advantages, I suggest you think about it yourself, dear reader. But the most important thing here is that in order to get money, you must be a very respected person: who wants to take risks, because it is very easy to run into a scammer on the Web.

Overview of well-known payment aggregators

There are many services for accepting payments on the Internet - below I will talk about some of them, in more detail - about installing "payments" from the United Cashier on the site.

1. Let's start with Interkassa- a good service that is ready to connect all known payment systems to your site or website. For its services INTERKASSA will take a commission of 3% of the payment received for goods. While accepting payments, Interkassa does not receive his secret data from the buyer, which guarantees the security of the transaction. To start cooperation with the system, you will have to register and send the site for moderation - not all sites are accepted for maintenance. In addition to the code, you can install modules and plugins - this will simplify the work with the integration " payment cards". By the way, here is a video on how to work with the system:

2. Next system accepting payments CyberPlat. To start working with this service, you need to register, receive a package of documents from the project manager, fill out paperwork and send them to CyberPlata employees. In response, you will receive data for setting up a payment system. In my opinion, there are a lot of unnecessary movements and expectations, but there is a complete legal justification for cooperation and safety of work.

3. The third system for accepting payments on the site in our list is QIWI.

To work with the system, you need to register and send the address of the online store for moderation. When connecting, you will have to select the type of wallet: nominal or legal entity. There is a difference between them, and a significant one, starting with the commission and ending with the terms of connecting the service. After the approval of the online store, the administration of the service sends a notification and documents that will have to be signed and returned back. Next - setting up the payment acceptance form in the protocol of your choice (you can choose a combined one).

4. The next "payment" -.

The service is well-known and popular, to work with it you need to register and send a package of documents to the portal administration. After that, you will receive a code that will need to be installed on the site. The service fee depends on the choice of tariff, there are several of them: "Main", "ZhKU", "Do good" etc. RBK Money wallets and all major electronic payment systems are accepted for payment.

This payment acceptance service is one of the best in its field, which will turn 10 years old in 2013 :). ROBOKASSA works with both legal and individuals. To start cooperation legal entities you should create an account, sign an agreement, check the system’s performance, agree with the “payment” technical condition certificate and issue a power of attorney. Cooperation with individuals is based on a public offer and requires only registration and confirmation that the site complies with the rules of the service. AT first option partners use bank transfer for payments, second- electronic money. Robokassa is really a reliable aggregator, if you are in doubt about choosing a system, then pay attention to it in the very first place. The service fee is charged depending on the selected tariff, and starts from 1%.

How to accept payments on the site using the Unified Cashier

Why did I choose this system? Because of its simplicity and ease of installation. So let's go to merchant.w1.ru/checkout/site and press the button "Connect now":

On the page that opens, we are shown the algorithm of our further actions, and we start with registration:

To register, you need to specify a working e-mail or phone number as a login, enter security code and understand that you agree to the public offer agreement, which you can read by clicking on the link.

The password for registration is sent to the specified e-mail. After you enter it, the start page will open.

We carry out all the necessary settings, there are a lot of them, but it will take a minimum of time to spend on this. Yes, and we have planned a serious matter, so - do not be lazy. By the way, it is possible to choose the visibility of your data.

Setting up an online store. Here you will have to confirm the rights to the site by uploading a text file to the root folder or installing some code in the main page template.

After confirming the rights to the site, you should set up the form for accepting payments on the site. How to do it correctly is described on the page. merchant.w1.ru/checkout/site/develope, in the same place - a description of the parameters that can be entered into the code for additional features payment (with which wallets to work, with which - not, what should be the currency, etc.).

You will get something like this - after the appropriate settings and integration:

You can install an informer that indicates the payment methods for the order.

And you can do everything with the help of modules. You can download them from the page from which we started:

Below is a video how to set up payment acceptance on a site on Joomla!

I hope now you know how to organize the acceptance of payments on the site– at least in general terms. It remains only to understand what you will sell and stop at any payment system. Good luck!

AT general case any receiving system Money works like this:

1. a request is received from the Internet resource with the payment amount (most often by redirecting to the website of the payment instrument);
2. the buyer enters his data and the system makes the payment;
3. funds are transferred to the seller's accounts within a few days, minus the service commission.

To start accepting payments on the site, you need to select a payment acceptance system, conclude an agreement and carry out technical integration. It is important for an entrepreneur to understand how different means of accepting payments work, as well as what influences their choice.

What do you need to know?

Commission

Of course, the services of payment acceptance systems are not free for the business owner. Usually a fixed % of the amount of each transaction is charged, on average 3%. However, depending on the type of your business, monthly turnover and the connected method, this rate may vary. For example, high-risk categories can connect payment by card on the site for at least 5-6% and far from all payment partners, while a standard online store is likely to receive a rate of 3%.

It is also important to understand the limits 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 major acquiring partner if only 50 thousand rubles pass through your site in a month.

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

Sometimes there are payment systems with subscription fee, without % from each transaction. If purchases on your site are not made every day, we recommend that you bypass such solutions, as they are absolutely not profitable 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 do not want to lose the amount 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. Often this method allows you to access the best commission rates, but takes more time in case you need several different options.

B) Through an aggregator - you can conclude one contract, carry out one technical integration and start accepting payments on the site in several ways at once. Unfortunately, the commission rate in this case will be 0.5-1.5% higher than with a direct connection, but you will save time and resources - often payment integrators have much better customer support, especially small businesses.

Technical integration

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

by the most simple options there will be a connection through redirection to the site of the payment partner. With this option selected, your technical specialists you don't have to set up anything - you can start accepting payments on the site in a few minutes! Note that for the user this is the most inconvenient and untrustworthy option, which will not have a very positive effect on the conversion into a successful payment.

However, if your site is implemented on one of the popular CMS, pay attention to systems or aggregators that have special modules. Thus, you will discover more opportunities for yourself. fine tuning(customization) of the payment process on your site.

And finally, if you have a staff of programmers and your site is written from scratch, it is reasonable to connect via the payment system API. This option will take more time to connect, but in the future it will allow you to maximize the conversion due to closer integration into your website: embedding a payment form in your page, entering part of the data to complete the 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 receive payments on the site. Direct connection to banks is almost impossible for small businesses. Therefore, we recommend using the services of aggregators or processing centers (in fact, a separate category of aggregators specializing specifically in card transactions).

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

Internet wallets

The most numerous class of payment systems. The user creates a "purse" (account) in the system, indicates personal data and gets access to payment for goods, services, transfers of physical. persons. If such a payment method is connected to the site, then when paying, the payer is billed to the system for payment. During the payment process, Internet 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 (FZ 115): no more than 15,000 rubles. for payers who have not passed the identification procedure.

The most popular Internet wallets in Russia are: Yandex.Wallet, WebMoney, QiwiWallet, WalletOne, EasyPay. The most famous international electronic currency is Bitcoin.

Payment terminals

A very expensive payment method: commission rates can exceed 10%! However, in remote settlements, it is often possible to pay for a purchase online only through an offline terminal. The most important parameter of the 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 for a refund for about a week. In addition, for terminal payments, there is also a limit on the amount of a single payment: 15,000 rubles. However, there are cases when connecting such a payment system for a site allows you to significantly expand business opportunities.

Postal services

An additional way to expand the geography of purchases is the connection of Russian Post or delivery services. Payment for the purchase occurs upon receipt of the order. It is more reasonable to implement such a method of making a payment through an aggregator: turnover restrictions are possible and quite complicated in terms of API implementation.

Internet banking

The payment method for the payment process is very similar to Internet wallets, 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 it does not require entering card details, which is not always secure. Unfortunately, a direct connection is often not available to small stores due to a monthly turnover limit, similar to Internet acquiring.

Payment from mobile phone balance

For small amounts of payments, payment from the phone balance is very convenient. Especially often this payment method is used in gaming services. There are several payment options.

There are a number of mobile payment providers that act as intermediaries between the operator cellular communication and service provider. Each provider has its own system of tariffs and settings for each operator and region. When connected through an aggregator, a store has access to several payment gateways, depending on the needs of the business. For all types of payment mobile phone there are limits on a one-time payment, usually in the range of 1-5000 rubles.

Cash

Even taking into account the statistics of 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 salons, such as Svyaznoy and Euroset.

Lending

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

So, we have considered 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. Alas, novice business owners often make the same mistake: they spend a lot of time connecting all possible options, when it was possible to set up only accepting payments from bank cards and start making a profit at the very beginning of the Internet service.

To date, most buyers have appreciated the advantage of online shopping, and prefer this particular method of purchasing goods. An experienced buyer knows that such “shopping” is beneficial both in terms of an extensive selection of products and significant savings in time and money. It is no secret to anyone that prices in online stores are much lower than their offline counterparts. And if you add up all the time spent searching desired product in real stores, the advantage of online stores becomes obvious. The only thing that scares away most users is the security of the order. And many simply do not know how to do it correctly.

The largest bank of the Russian Federation has long developed a service that allows you to quickly, reliably, and, most importantly, safely make "shopping" on the Internet. We are talking about the Sberbank Online service. The simplicity and convenience of the system is such that it will not be difficult for each registered user to figure out how to pay for a purchase through Sberbank Online.

To use the bank's Internet service, you need to connect once and make your settings

Why is it so important to know how to pay for an online purchase through Sberbank Online? After all, there is a traditional type of payment by entering bank card details? In fact, most payments are declined just because the user has a card. entry level with limited capabilities. Most customers prefer them because of the low cost of service. These are Visa Electron and MasterCard Maestro plastics, produced in student, social, pension, youth and salary formats. The buyer has 2 options: to issue a more expensive classic or premium card and enjoy all its benefits, or to get by with plastic with limited features, using the Internet payment system.

To take full advantage of online shopping, the user must have access to the Internet and connect to the service.

How to set up payment for online purchases

To set up, you will need to fulfill 2 conditions: issue a card and connect Mobile Bank to it. It is best to get a connection to the Internet service and Mobile Bank at the same time when receiving plastic. This procedure takes place at the bank in the presence of a passport. To access the personal page, you must have an ID and a password. You can get them through the terminal or by calling the support service of a banking institution. When registering through a terminal or ATM, you need to do the following:

• insert the plastic into the terminal;
• select the "Internet service" option;
• click on "Print ID and password";
• the receipt will contain the necessary information.

It is possible to connect the card to the personal account service using the terminal

The login and password can be provided by the Bank Support Service by phone. It is worth reporting the number of the plastic, the details of your passport and the code word.

After receiving the data, you can register on the service and start paying for the selected goods.

How to pay for an online purchase through Sberbank Online

The first steps towards paying for an order through Personal Area jar

Instructions for paying for purchases and services in Sberbank Online are as follows:

• login to the service home page official website of a banking institution;
• log in with a username and password;
• select the "Payments and transfers" section in the main menu;
• select "Transfers" from the list, and then click on "Transfers to organizations";
• you will need to fill in the field for the details of the recipient (online store) - indicate the current account, TIN and BIC (these data can be obtained from the receipt sent to your email address after order confirmation, or request Bank details in the online store);
• then you need to select a card for debiting funds, if the user has several of them;
• for security purposes, an incomplete number of the debit card will appear on the screen and the balance of money on it will be indicated;
• click "Continue";
• carefully fill in the column "Name of the recipient" - the slightest mistake will lead to the fact that the banking institution of the recipient will reject the payment;
• fill in the "Subscriber data" field;
• indicate the purpose of the transfer and the amount;
• you can confirm the payment in two ways - sent by SMS or a one-time password from an ATM;
• confirm payment;
• confirmation of completion of the transaction is "Completed".

Pay attention to the details of the recipient

To confirm the completed payment for the selected product or service, you should send the recipient an electronic version of the check with a blue stamp “Performed”.