How to organize payments in the online store. How to make payment in the online store through payment systems? Methods for implementing Internet payments

DESCRIPTION

Any site created on the Nethouse platform can easily be turned out of the showcase in a full-fledged online store. To do this, it is enough to connect all types of online payments through. Your customers will be able to pay for goods and services directly on the site in one of the many ways, and you will receive funds to the current account of the legal entity, an individual entrepreneur or self-employed on the next business day. .

Bank cards on Visa, Visa Electron, MasterCard, Maestro, Peace
Bank cards through Mobile Terminal
Yandex money
Cash (terminals, ATMs and communication salons: connected, Euroset, Sberbank ...)
Sberbank: Payment by SMS or Sberbank Online
Alpha click
Internet Bank Promsvyazbank PSB-Retail
Sberbank business online (non-cash payments through Sberbank)
Pay in parts (on credit or installment)
Tinkoff

The possibility of online payment is available for orders from the catalog of goods made through the basket, as well as on pages with payment form.
To order in 1 click, ordering the goods when the basket is turned off and the service option does not apply.

2. Go to the "Applications" section - Yandex.Cass.

3. Carefully read the terms of payment of payments in the tab "Description". Go to the "Connection" tab.

5. If you are self-employed, go to and click the "Connect Cassus" button.
6. Specialists of the Yandex.Cass service will be rapidly contact you. Enclose the contract. After that, log in in personal Cabinet Yandex.Kassa.

7. Click the "Subscribe to Yandex.Casse" button.
8. On the Payment Methods tab, include the necessary payment methods.

9. Ready! On your site is connected to receive online payment. On average, the process takes only 3 business days.
10. Icons of received payment methods will be displayed on your site in the "Accept for payment".

11. After saving the entered data on the site of the "Connect" button, you will have the status of connecting payments in the upper right corner - "On". If you need to disable the reception of payments for a while, it is enough to set the switch to the "Off" position. The switch will also be set to the "Off" position if you remove all ticks from the selected payment methods.

12. If you want to connect a deferred payment (the write-off of funds from the client's card is carried out after your confirmation), follow.
13. If you want to connect payment on credit or installment ("pay in parts"), follow.

14., Bring the turnover of the store to 50,000 rubles / month and use the "Business" tariff for free.

DESCRIPTION

Bank cards on Visa, Visa Electron, MasterCard, Maestro, Peace
Bank cards through Mobile Terminal
Yandex money
Cash (terminals, ATMs and communication salons: connected, Euroset, Sberbank ...)
Sberbank: Payment by SMS or Sberbank Online
Alpha click
Internet Bank Promsvyazbank PSB-Retail
Sberbank business online (non-cash payments through Sberbank)
Pay in parts (on credit or installment)
Tinkoff

2. Go to the "Applications" section - Yandex.Cass.

3. Carefully read the terms of payment of payments in the tab "Description". Go to the "Connection" tab.

7. Click the "Subscribe to Yandex.Casse" button.
8. On the Payment Methods tab, include the necessary payment methods.

14., Bring the turnover of the store to 50,000 rubles / month and use the "Business" tariff for free.

In general, any cash reception system works like this:

the Internet resource receives a request with the amount of payment (most often by the method of forwarding to the payment instrument website);
the buyer introduces its data and the system makes a payment;
cash to the seller's accounts are listed within a few days, minus the Service Commission.

To start receiving payments on the site you need to choose a payment reception system, conclude a contract and conduct technical integration. For the entrepreneur, it is important to understand how different means of receiving payments work, as well as affects their choice.

What do you need to know?

Commission

Of course, the service reception systems are not free for business owner. It is usually charged fixed% of the amount of each operation, an average of 3%. However, depending on the type of your business, the monthly turnover and the connected method, this rate may vary. For example, high-profile categories can connect the payment to the card on the site at least 5-6% and not all of the payment partners, while the standard interface will most likely get a bet of 3%.

It is also important to understand the limitations on the turnover: most of the major payment reception systems have special conditions for sites with turnover\u003e 1 million / month. Conversely, you will not be able to connect to a major acquiring partner. If only 50 thousand rubles take place through your site.

Most often, the Commission is charged from the Internet service, but some payment reception systems for online stores offer to customize the removal of the Commission from the buyer. Those. The amount of payment for you in the site catalog does not change in fact, and the buyer pays a little more.

Sometimes there are payment systems with subscription board, without% from each transaction. If the purchase site is not performed on your website, we recommend to bypass such solutions as they are absolutely not beneficial for you. Similarly paid connection: often newcomers in the retail go from a partner to a partner at the first time of the site. Of course, you will not want to lose the amount spent on the start.

Connection

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

A) directly - you enter into an agreement with each payment system separately. Often this method allows access to the best rates of the Commission, but requires more time if you need several different options.

B) through the aggregator - one can enter into one contract, conduct one technical integration and start accepting payments on the site at once in several ways. Unfortunately, the commission rate will in this case will be 0.5-1.5% higher than when there is a direct connection, but you will save time, as well as resources - customer support is much better developed with payment integrators, and especially small businesses.

Technical integration

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

The simplest options will be a connection through redirection to the payment partner website. With such a selected option, your technicians do not have to practice almost anything - you can start accepting payments on the site in a few minutes! Note, for the user it is the most inconvenient and incorrepanimate option, which is not very positive affects the conversion in a successful payment.

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

Finally, if you have a staff of programmers and your site is written "from scratch", it is reasonable to connect via the API of the payment system. This option will require more time to connect, but in the future will make it possible to maximize the conversion at the expense of closer integration into your website: embedding the payment form to your page, entering a part of the data to perform an operation in your interface, the absence of forwarding and other options.

What payment systems are in the market?

So, consider the main types of tools:

Internet acquisition

Receive 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 (essentially a separate category of aggregators specializing in card operations).

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

Internet wallets

The most numerous class of payment systems. The user creates a "wallet" (account) in the system, indicates personal data and gets access to the payment of goods, services, transfers to Piz. Persons. If such a payment method is connected to the site, then when paying the payer is an invoice for payment system. In the process of payment, Internet wallets can request additional confirmation of the operation, similar to 3DSecure in the acquiring operations. Legislative restrictions on the amount of payment (FZ 115) are valid for Internet wallets: no more than 15 000 r. For payers who have not passed the identification procedure.

The most popular Internet wallets in Russia: Yandex.Corsselk, Webmoney, Qiwiwallet, Walletone, EasyPay. The most famous international e-currency is Bitcoin.

Payment terminals

A very expensive payment method: Commission rates may exceed 10%! However, in remote settlements, it is often possible to pay for the purchase on the network only through offline terminal. The most important parameter of the terminal network is the geography of the coating.

Pay attention to returns (refund) for this payment method require great effort, and your buyers will be forced to wait for the return of funds about a week. In addition, for terminal payments there is also a restriction on the amount of one-time payment: 15 000 p. However, there are cases when connecting such a payment system for the site allows you to significantly expand business opportunities.

Mail services

An additional way to expand the geography of purchases becomes the connection of "Russian Post" or delivery services. Purchase payment occurs when receiving an order. Connecting such a payment method is more reasonable to implement through the aggregator: limitations are possible on turnover and quite complex from the point of view of implementing API.

Internet banking

The payment method for the payment process is very similar to the Internet wallets, but has a feature: the invoice is not made on the wallet, but to the payer's bank account.

Many payers prefer this payment method, because you do not need to enter card data, which is not always safe. Unfortunately, direct connection is often not available to small stores due to restrictions on a monthly turnover, similar to the Internet acquiring connection.

Payment from mobile phone balance

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

There are a number of providers mobile paymentswho perform intermediaries between the operator cellular communication and seller service. Each provider has its own system of tariffs and settings for each operator and region. When connecting through the aggregator, several payment gateways becomes available, depending on business needs. For all types of payment with mobile phone There are limits on a one-time payment, usually in the range of 1-5000 rubles.

Cash

Even considering the statistics of increasing circulation of card operations in recent years, some still prefer to pay for goods and services in cash. Such services often provide communication salons, such as "connected" and "Euroset".

Lending

New on the market Payment method for the site: Buying goods on credit with confirmation of the issuance of a loan from the bank online. The store is integrated with a bank that provides a service or aggregator. In the process of purchase, the client provides all the data required by the Bank and receives preliminary credit approval. The contract is within a few days without the participation of the store. After successfully issuing a loan, the Bank notifies the store on the API, and the client receives its order.

So, we reviewed the basic concepts of receiving payments over the Internet. We recommend connecting only 2-3 popular payment systems, which will allow you to accept payments through the site as much as much as possible to your audience. Alas, novice business owners often make the same error: spend a lot of time to connect all possible options when you can only configure the reception of payments from bank cards and start making a profit at the very beginning of the Internet service.

From the author: Hello, friends! According to statistics, about 10% of the online store visitors are erected back at the purchase stage, because it is elementary cannot understand how to pay for a product or service, or the form of payment is inconvenient on the site. In our current article you will learn how to make payment in the online store. And this is perhaps the easiest way to increase the number of sales without investments.

Since most people begins to create online business without legal design, we will consider the process of connecting payment in the Internet shopping person. Our today's task is to organize the process of transferring money from users of the site wishing to purchase goods, you bank card. And everything should work in automatic mode.

If you create an online store for the first time, we recommend to get acquainted with the creation of effective commercial sites. If you're ready-to-sell online platform, you can immediately move to the consideration of the question of how to organize payment in the online store.

Technical Side Question

From a technical point of view, the process of creating payment in the online store looks like this. The client makes a purchase, and he is discharged. Next, he selects the appropriate payment system and enters the necessary data to make payment.

If the user defines everything correctly, the payment system server sends a request to the URLINET-store specified in advance, and marketplaceIn turn, transfers money to the account of the client. With incorrectly specified data or other technical failures, the system will notice a person that the payment has not passed.

If the operation was successful, then a person will transfer to a special page, where there will be a comment that indicates that the payment is perfect, and the money is enrolled.

Selection of payment system

There are a lot of different payment systems, however, let's focus on how to set up payment in the online store of the base of the 5 most popular of them.

Robocass

Connection takes place in several simple steps: Pass registration on the site, specify the online store data, customize the payment form on your website. The specifics of working with Robokass also assumes the passage of special moderation. The system requires the following characteristic details on your site:

contact data with store representatives.

The payment fee varies depending on the selected payment system and can reach 12%.

W1

Connection occurs in a similar way: Registration, specifying personal data, setting parameters for your own needs. Commission - from 3%.

Qiwi-wallet

The basic connection procedure is also simple. You are passing fast registration, then a certain manager is assigned to you, with which further consulting technical issues. The specifics of the QIWI wallet involves, in addition to entering standard data by the user, also check on the validity of the phone number.

The Kiwi Commission is 1% from all translations.

Yandex money

This is one of the most popular types of payment systems, so they decided to mention it and that you do not have any questions about this. Yandex.Money system does not imply work with individuals. And even if you entityAll the same is provided for the minimum financial limit, below which cooperation with the online store seems impossible.

Therefore, with the connection of Yandex.Money, you will have to postpone until the store is gaining proper revolutions. If the presence of this payment method is fundamentally for you, then give preference to Robokass as the main payment system of your online store. This is the only external platform that supports Yandex.Money.

WebMoney.

To organize automatic reception of payments in the WebMoney system, a little longer will be required. First of all, you need to register a personal certificate. It may be necessary for about a week, because Webmoney requires sending a notarized statement with the help of Russian Post.

After that, add an online store to the site catalog on Megastock.ru. It will take another 1-3 days. Plus the system is that you can test the payment (in fact everything passes in the standard way, only money is not removed). This advantage allows you to capture errors in the code in advance.

The customer translated by the client falls on the WebMoney wallet specified when registering. The Commission is provided for only the payment of the payment itself (withdrawn from the client).

What is the value of online payment?

However, the owners of physical products will also significantly benefit from connecting the payment system to the online store. The latter will save a lot of time from shipping numbers of accounts to customers and unnecessary expectations while people reset the right amount. In turn, buyers payments will save on delivery and get rid of them from cash tile.

It is worth noting that we have learned not all existing payment systems, but only the most popular.

How to be legal entities?

To connect online payment to the online store on a legal entity, you need to perform practically the same actions. Take into account only the fact that the time for the organization of the process will need a little more. This is due to the need to conclude an official agreement providing for more thorough checks of your activities.

You have 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 out the data when registering, otherwise then spend a lot of time on their adjustment in the support.

If you have a desire to learn more about functional opportunities Your online store, we recommend making a note of several useful online courses from.

Hello everyone. Today I will tell you about receiving payments on the site. I decided to write this article, as I know that many people have today to sell on the Internet. Some valuable information in the form of paid advice, knowledge, goods, various services for money, some information products, trainings, webinars, etc.

To begin with the most important thing. If you now go further on the Internet to search for information on how to configure receiving payment on the site, connect payment systems and all that, then you will break the leg and at the same time and head, because everything is written for alien creatures in incomprehensible language.

To make it easier for you, I and my team have developed for you a special script for receiving payment on the site, and at the same time the organization of your own affiliate program and support service - Overbro.

Thanks to this script you configure yourself on the site receiving payment literally in 2-3 hours , Even if you complete zero and not decorated like IP .

You will be able to take webmoney, Yandex money, plastic cards, banking 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 take 10-15 thousand per month for use.

Today in the market this script is No. 1 and this has already been convinced of hundreds of people who sell something on the network.

You can learn more about the script on the selling page. We also provide a service - installing the script to your site turnkey and configure it.

I myself use this script to promote my courses, trainings, etc. And this script brought me more than 15,000,000 rubles net profit for 5 years.

Attract the buyer and offer him to buy, the fact that you want to sell is not a problem, has posted information on the product sold on your website or blog, gave advertising in Yandex, google AdWords. Or Bodyclick and people themselves will come to you, but how to accept this is another conversation.

Here you need to do everything very clearly, so that the buyer is convenient and securely pay for anything on your site and you do not have any problems with the processing of orders and the output of money to your hands!

I know that many people think so - to accept payment on the site is very difficult, you need to understand something, something to configure, enter into contracts, agreements, etc. In short, hemorrhoids in one word. I also thought so before. It's not like that at all dear friends, everything is done much easier than you think you just need to figure it out a little in this process and the thing is done! For the first time, everything seems difficult!

This article is just written in order to give you basic knowledge of organizing payments on the website or blog. In order for you to know what methods of receiving payments on the site exist, which electronic currencies are mainly used on the Internet, how to take money from a person on the Internet and, how to bring them out of the Internet to a bank account with payment of taxes for each ruble earned!

So! I will give an example. Suppose I decided to sell one of my own and earn money on this. What do I need for this?

1. Site for sale of the information product (you can)
2. The payment reception system on the site (mediator between you and the buyer).

With the site is understandable. Now make it will not be a lot of work to any person, even a complete husk. Training video courses and literature on the Internet in bulk. I learned from scratch to do sites for 2 days. There is a desire, everything will be!

Okay, I did a website, posted information on the product sold, now you need to make sure that the person who goes to my site saw the "Pay" button, "order", "buy", "place an order", etc. If he decides to buy my product, it will press the button and start paying the goods in the system in the system.

What methods of payment on the site are mostly used when buying digital or physical goods, services, etc.

1. Payment with the help of plastic cards Visa, Master Card, Maestro, etc.
2. Payment by email Webmoney, Yandex Money, Rupay, LiqPay, etc. (their bunch).
3. Payment by cash on delivery.
4. Payment with money transfer.
5. Payment by manual translation through the same electronic payment systems.
6. Payment by cash courier.
7. Payment via SMS (SMS).

These are the most basic ways to receive payments.

So! What needs to be done to make a person can pay something on my site in any way? Everything is simple. I need to connect (connect your site) to some reliable service reception service on the Internet. To date, they divorced a lot, I do not want to choose. Here are the most famous, proven and reliable.

In principle, the work scheme for all these services is almost the same. Register an account, connect the store, set it up (no matter what is difficult) and you give you some kind of code to be placed on your site so that the payment button is displayed in its place, or the payment form, etc.

Of course, in the code, it will be necessary to quickly dig or set up payment methods, etc., well, there in principle there is nothing complicated, there are instructions in each payment.

Here for example, I decided to use the services rBK systems Money and I want to accept payments on the site with this payment system, selling one of your video courses. What am I doing?

I go and register an account where I will have my personal monetary account. After that, I connect the store by passing into the appropriate section of the RBK Money site and fill all the necessary data (see Figure)

Notice this system Does not accept applications for connecting a store from ordinary individuals, at least you must be decorated as an individual entrepreneur and have OGRN. Do not worry, not all such strict. It is possible and without PI, to do in most cases.

After the store is connected, I need to copy the HTML code that I will give RBK Money and insert in the right place of your site. Here is an example:

At the site inserted by me, the HTML code will be displayed this form for the choice of payment method and the Buy button. A person will put a tick on the payment method necessary and convenient for him, presses "buy" and reincarnated to the product payment page.

This page will automatically be done and decorated rBK Money. . Everyone with everything else he will understand himself and with security and with the reception of payment and enroll it on my account in RBK Money. I don't need anything else to do anything, you will notice anything, tune, send notifications, etc.

All I need to do this to send the product to the buyer and say thanks for the purchase. \u003d) How is the delivery of the product to the buyer, this is another topic, by the way, in your video course "How to create an information product and earn on it" I described everything in detail.

If you notice, RBK Money takes payment at once in several ways. In general, everything is simple. If you have any questions about receiving payments with RBK Money , then there is a support service where you will always respond promptly.

Let's still a couple of examples. Here is a SPRYPAY payment reception system, (does not require an IP to connect) is also very not 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, currency you choose the RUR yourself or USD.

Connect the store, customize it and give you again some code that needs to be placed on your site or blog. Spripature by the way more ways to receive money from the buyer.

Another example. The ROBOKASSA payment reception system (does not require an IP to connect). Again everything is the same. Go to the site, register, connect the store and give you code. Here is one of the examples of payment reception form in Robokassa:

Not a bad payment reception system - z-payment (does not require an IP to connect). It works for a long time ago and reviews about her are not bad.

Here is an interactassa screen screen:

In general, the scheme of how to take money from people on your site I think understandable. You are in some kind payment system Customize your store, place the code on the site and the payment button is displayed on it. A man clicking on her chooses which way it is better to pay for the purchase (map, Webmoney, Yandex Money, etc., by mail) and pays for it.

You get money to your account in the payment system and send an order to the buyer. All simple!

Learn all these payment systems, choose which you most suitable and use. IN different systems Miscellaneous fee, different methods withdrawal of money, etc. When connected to any payment system, we all think about everything and find out that then there are no problems.

Some payment systems do not accept Webmoney and Yandex Money, and if they are accepted, then only the field of how you carefully check for the presence of a personally certificate, the seller's certificate, and everything else. If you want to give people the opportunity to pay for the goods on your site by these electronic currencies separately, without connecting to payment systems, there is also a particularly difficult thing here.

I wrote about the manual reception of Webmoney here - "", in order to take WebMoney in automatic mode, you need to solve this issue with the WebMoney system itself. Get a certificate, arrange a contract, set up acceptance of payments, etc., and only then you can accept payments on the site.

With Yandex money the same situation. In order to connect the online store to the Yandex.Money payment system you need:

- Send an application for connection from the system site.
- Conclude an agreement with PS Yandex.Money LLC.
- carry out a technical connection to the payment system.

In general, find out. If I decide to receive payments on Webmoney website and Yandex Money separately, I will write a whole post about it and tell all your steps in detail.

Affiliate program - what is it? Here is an example. Suppose you sell some kind of training video course (DVD) and ask for it 1000r. You can bind to the sales of a video course affiliate program. Type recommend this video course On the Internet and get, let's say 400r., With each sale on your recommendation.

Any payment script, and the same orderbro will generate partner links For each program participant, control the number of attracted partners, buyers, money maker partners, etc. In general, the steep thing is undoubtedly!

Overbro To date, it is one of the most popular on the organization of receiving payments on the site, as it simplifies several times and automates the work of sellers. No hemorrhoids, everything is clearly and understandable, full report on orders, types of orders, payment methods and other things.

See who I paid and deliver the goods to the buyer. Go to the site and read about this script everything in detail.

So. Now about the output of money from payment systems. Almost all payment systems can translate you earned money on other payment systems, Webmoney, Yandex Money, etc., but why do you need money to walk on the payment? You want them to get them right? Right!

To do this, you will need to register as an individual entrepreneur and make yourself a bill account in the bank, here you will translate money payment systems after you conclude an agreement with them to transfer money and they will check you. Individuals No one will translate money to translate.

Taxes need to pay! \u003d) I wrote a whole article - "". Well, if your income is not big, then you can not open the IP at the initial stage, you can pay for purchases (domain, hosting, advertising, etc.) on the Internet.

So, well, it seems to be all on it! The article turned out in my opinion not bad, the beginners will be very useful to read and get basic knowledge on this topic. Now and you know how to organize acceptance of payments on the site.

Services for receiving payments on the site is becoming more and more every day. The world does not stand still, every day all large quantity People make purchases over the Internet, pay for some services, etc. Today, virtually all can be paid via the Internet. Telephone, traffic police fines, taxes, utility services, etc.

You can sell everything anything, even information! Use this feature!

ATTENTION!!! If you want to know how to accept payment on the site from A to Z, I advise this my course: