The process of accepting payments comes before every online store user - starting with the choice of payment methods and ending with their connections to the site.
You can accept payments on the website in different ways:
- directly through the acquiring bank (payment by plastic cards);
- through a specific payment system (for example, Yandex.Groshi, QIWI, PayPal);
- using a payment aggregator, which includes a number of payment systems (applications: Robokassa, Yandex.Checkout, PayOnline).
As a rule, you choose different methods like this:
Option 1: The company is young, turnover is small, it is necessary to quickly enable the acceptance of payments using the most popular methods.
Vikorist has a payment aggregator. The commission is the highest of all options (3-6%). If you connect this method in the simplest way - register an account record in the aggregator, install the aggregator module on the site - and you will already accept 5-10 of the most popular payment methods.
Option 2: The company has already survived, the turnover is average, it is necessary to reduce costs for processing payments
Here we marvel at the statistics, which are the most popular methods for clients to profit from. We go to the websites of many payment systems and it is clear what the commission is there. If the commission is lower than that of the aggregator, then these methods are included directly, and the aggregator is deprived of other methods (for which functions the commission is insignificant).
Option 3: The company has a high turnover of payments with bank cards
Here you need to pay attention to the Internet acquiring system. For example, in addition to the bank, it is already a secret account of your company. The commission fee for payments will be as low as the company's turnover, and the sum will be deposited in your bank account (so you won't have to think about how to withdraw it from the aggregator).
This payment by card through an acquiring bank is accepted by merchants as secure, compared to payment through an aggregator (which is important for large companies).
Internet acquiring connection
If you have chosen online acquiring, you will need to select a bank first. Pay attention to the amount of the bank's commission for performing a skin operation, the connection level, the term of insurance for the bank account, the availability of a comprehensive technical procedure and the types of cards from which you can make payments (minimum charge). p – VISA and Mastercard).
Once you have chosen a bank, you will find on its website an application for connection to acquiring and a list of required documents. Everything is stored and sent to the bank. The bank's representatives will check the documents and also look at the website to see if they can connect to acquiring. If everything is ok, you will be notified of a positive decision and given instructions for follow-up.
All payments made through acquiring will go directly to your bank account. Moreover, there is less commission for payments - there is no intermediate intermediary, as with a payment aggregator.
Please note that all information about the supply of goods to the market is transferred to the depository.
For shortcomings - bureaucracy =) It is necessary to collect and send to the bank a significant package of documents. Apparently, connecting to the service can cost a lot of people.
There is also a good plus: during the payment process, data is transmitted using 3D-Secure and SecureCode protocols (divided for VISA and Mastercard systems), which ensures a high level of payment security.
Payment aggregators
The payment aggregator contains a number of payment systems. Vin plays the role of an intermediary between the merchant and the payment system.
The main advantage of this method is that you have many different options for accepting payments (bank cards, too), but you do not need to enter into an agreement with a separate payment system. If you want a larger commission, lower the first option. The pennies are initially insured against the aggregator’s account, and then from there reinsured against your details.
There are a lot of payment aggregators, according to the Rating of Payment Instruments 2016, the most popular of them are Yandex.Casa, Robokassa, RBK Money, PayU, PayAnyWay, Wallet One.
The criteria for choosing an aggregator are approximately the same: the size of the commission, the terms of connection, the availability of technical support.
Connecting payment acceptance to the site
Now, you have chosen the method of accepting payments. Now it’s time for power supply – how to connect it to your online store?
Setting up is simple - almost all CMS come with built-in modules for connecting payment systems. Since there is no installed module, it can be downloaded from the payment system website.
For example, select Yandex.Kasi modules:
In this case, for the skin CMS there are instructions on how to connect.
For Bitrix, setup is limited to just a few simple steps:
Connecting the Robokassa aggregator seems complicated - as indicated on the page of the service description, you will need knowledge of Perl, PHP, ASP or ASP.NET. However, there is nothing supernatural in the customized system, not only the modules developed for the existing CMS, but also the reporting instructions from the customization.
Full list of supported CMS: http://www.robokassa.ru/ru/HowTo.aspx.
When you connect to Internet acquiring, everything is also simple - installation and configuration of the payment module for the CMS is immediate:
- download the ready-made module;
- install it in your CMS;
- set up the module, vikoryst data for access from the cloud account to acquiring;
- reconsider the reality.
For skin CMS there are reporting instructions.
Applications of modules for acquiring bank Tinkoff:
As you can see, there is nothing complicated about the connected acceptance of payments to the site. The main step is to follow this method, and then install ready-made modules and follow the instructions.
If you still know the folders, then write to our fakhivs. We will help you select, connect, set up.
First of all, I would like to immediately express your respect for the steadily growing number of payments on the Russian Internet for goods and services using plastic cards. Especially in my business, clients pay with cards at 10%-15% of withdrawals. According to my precautions, almost 80% of them simply passed on and did not add my goods or services, as if I did not inform them of the speedy payment method with my own plastic card. If I didn’t accept cards, my sales would have been lower by 7%-13%, and I would like to set a figure, for the sake of which it is imperative to report that it is possible to realize the possibility of paying with cards on any commercial site, incl. and on yours. Consider also the fact that the trend of paying with plastic cards in Runet will only grow and will soon become serious competition for virtual cooking and other expanded and essential payment methods for Runet. Let me remind you once again that paying with a plastic card has serious benefits for both the seller and the client:
- Shvidkist.
Payment using an additional plastic card takes up to 1 hour in real time, and 20-30 seconds. After such an hour, the money will be withdrawn from the client’s card and will be returned to you for payment. Naturally, once a successful transaction is completed, if you are selling an information product, a program or a web service, you can immediately and automatically deliver it to the client. As a result, the sales process is completely automated and speeds up as much as possible, which frees you from routine, and the client from the peace of mind in the receipt of paid goods and services. - Visibility.
The buyer is especially pricey. In some cases, you only have to pay for goods and services and nothing else. The seller can be charged an average of 3% to 5%, and even less for those with high sales from plastic cards. So, when paying with virtual money (WebMoney, Yandex.Groshi), neither the seller nor the buyer needs to spend hundreds of hours converting virtual money from the real thing and back. - Reliability.
Regardless of the fact that fraud with plastic cards is common these days, payment with “plastic” is still one of the most reliable and guaranteed types of payments. However, if you follow all the safety rules, and also don’t save a lot of money on cards without need, then the problem of cheating is already known. In addition, a client who pays with a card may be able to earn a chargeback of pennies back to the card for a long time, which allows him not to worry about those who deceive him in an online store by selling an obscure product or service. - Handiness.
The most important thing is that for rich people, a plastic card today is much more familiar, a manual and primary method of payment, a lower virtual card. In essence, the card already increases the payment and transfers into the preparation of pennies, which pensioners earn.
For the citizens of the Russian Federation
OFFICIALLY, there are now three expanded ways to connect your sites to Internet acquiring (this is the name of this service in the field of banking operations).METHOD No. 1: Card operator - ASIST company www.assist.ru
This company has been operating on the Runet market for a long time and has proven itself to be a reliable partner. Through "ASIST" you can receive cards: Visa, MasterCard/EuroCard, Diners Club, STB, JCB). The "ASSIST" system provides a user-friendly and simple interface for integrating payment acceptance into your website, and also provides detailed instructions on how to go through the entire integration process step by step. It is also important to monitor the statistics for all your payments and always be aware of the situation. The only serious shortcoming of “ASIST” lies in the fact that if you live in the same family of banks as “ASIST” operates, you will not be able to connect to the system. For example, I didn’t realize that my place is located on the outskirts of Russia, and there are no important banks in the regional center of the city. Another great feature of “ASIST” is that you can accept through them not only card payments, but also virtual payments (WebMoney, Yandex.Groshi, E-Port, Credit-Pilot), which will help you complete the conversion operation virtual cooking in rubles and the availability of these products. In this case, all payments come to your account, which you maintain as an individual entrepreneur or for your own business. How can I connect to ASIST? After you have already become a legal entity and have secured your bank account from the bank, you go to the company’s website assist.ru and submit an application for registration by sending www.assist.ru/support_center/register/register.htm, your application is reviewed by over several days and then help you figure out which bank is better than the best one for Internet acquiring at your choice. How long will it cost to connect to ASIST? The connection fee for accepting cards through "ASIST" ranges from $120 to $180. However, you need to pay the insurance that is due to the type of agreement and the bank under which the agreement is concluded, you will have to pay and accumulate the amount of the insurance deposit. This deposit is necessary for the bank to cover the risks associated with possible transfers of pennies to your clients on the card. This amount can range from $100 to $300, and above all, it depends on your goods and services. If you choose the ASIST company as a viable option for you, then do not forget to check with them the amount of the insurance deposit and additional financial expenses upon your connection. How much do you take "ASIST" from a skin transaction for your services? These hundreds are deposited in the bank, with which you will draw up an agreement for accepting cards through the Assist company. Also, 3 to 5% can be increased from every successful transaction to the account of your services or products.METHOD No. 2: Card operator company "CYBERPLAT"
www.cyberplat.ru This company has long been operating on the Runetian electronic commerce market and claims to be the number ONE universal Russian card operator! Under the name of "ASIST", the company "CYBERPLAT" is a subsidiary of the bank "PLATINA" and thus does not lie in the baggage of third-party banks. As a result, you can connect cheaper and cheaper to the CYBERPLAT system regardless of the region of your residence within Russia. Through "CYBERPLAT" you can accept cards: Visa, MasterCard/EuroCard, Diners Club, E-Port). And the bottom line of “CYBERPLAT” is its interface for integrating payment acceptance to your website. Regardless of the fact that the company has been given detailed instructions and instructions on how to carry out the entire process step by step, you still have to contact a programmer to install and configure all the necessary scripts on your server. generate keys and start accepting cards via "CYBERPLAT". How to connect to "CYBERPLAT"? What’s even better is that you can immediately open your own bottle from the “PLATINUM” bank with banknotes via the Internet. Then you will have everything in one place. As a result, you have completed and completed a manual solution for your e-commerce business with minimal costs for transfers and maximum speed of work. How much will it cost to connect to CYBERPLAT? Connecting to this system will cost you less than "ASIST". The connection amount is equivalent to $100. Also, the insurance deposit at "CYBERPLAT" is large and can be 9,000 rubles or ~300 $. The only thing is that you don’t have to pay anything, but simply save up for your transit account in the “PLATINA” bank, already working and accepting payments for your services and goods. I myself, having earned and earned enough money, will need a deposit amount. How much do you charge "CYBERPLAY" per skin transaction for your services? This percentage will be 4.5%, but if your monthly turnover is over 100,000 rubles, then the value will be automatically reduced. And the more turnover there is, the less “CYBERPLAT” we will share with you. My special comments about the CYBERPLAT system... I have spent a long time choosing from whom to deal and having tried almost all the options on this topic for the residents of Russia. As a result, my choice ended up with the company "CYBERPLAT". There are a lot of reasons here, oh well:- According to Pershe, normally assigned to clients, regardless of their business status. The company attracts great and great clients with satisfaction! This is just good and effective support.
- In a different way The connection speed becomes literally 1-2 dB. And if you decide to connect to ASIST, the verification process in one of their banks can take up to a month or more! It's just a disaster :))
- In third, it is good and accessible, whether anyone can connect to the system and get competitive rates for services.
- The only thing we had to tinker with was the connection, and then the connection, so that we could then remove all the advantages of the payment system. I recommend!
METHOD #3: - Make arrangements with one of the banks without any middle ground.
Today, the service of Internet acquiring is becoming more and more popular, so they are starting to sell and promote a lot of great current banks. Because a good option can be seen through these propositions. For this you need to put together a list of the largest and most current banks in your region of residence, and then call them and ask them about the availability of services for accepting card payments via the Internet and find out what prices, prices and furs You need to smell the stench for this. I will also inform the banks that their solutions will always be the most advantageous, the most convenient and the most convenient for my purposes. For example, having tried to connect to Internet acquiring at IMPEXBANK, I was very disappointed with their position. First of all, they only deal with Visa, MasterCard/Eurocard, but otherwise, for small transactions, they charge 10% per transaction... Well, where is this good?For the citizens of Ukraine
OFFICIALLY, there are currently two main ways to connect your websites to Internet acquiring:METHOD No. 1: Internet acquiring to "PRIBATBANK". shop.privatbank.ua
This bank, in my opinion, is the most advanced and popular in Ukraine and will always be a pioneer in the provision of some modern and high-tech services for its clients. I think that it is useful for you to discover the open market at “PRIVATBANK” as an enterprise, and also to speed up its proposal to Internet acquiring, in order to get rid of a new complex of banking services in one place . If you plan to accept cards through PRIVATBANK, then you will be asked to purchase cards: Visa and MasterCard/EuroCard. If we assume that almost 90% of all card payments in the world are made through the use of cards from these systems, then I think that such an exchange may not apply to your business. You can check the availability of connection to the Internet acquiring of "PRIVATBANK" with your bank, otherwise the stated terms and the discreet 1% per person transaction on the card can only please and surprise me:-))METHOD No. 2: Ukrainian Processing Center Company
ecommerce.upc.ua This company is a subsidiary of the Ukrainian commercial bank "AVAL", which is another big bank after "PRIVATBANK". I was more successful in approaching Internet acquiring at UPC than at PRIVATBANK, since technically it is possible to complete everything simply and reliably. So, just like Internet acquiring “PRIVATBANK”, the proposal from “UPC” allows you to accept cards: Visa and MasterCard/EuroCard. Application card type American Express in fact, it hasn’t been accepted yet. Just to cover - I don’t know anywhere on the UOC website information about tariffs for connection and transaction. If you live in Ukraine and have decided to accept cards as part of your products and services, then do not hesitate to go to their website and contact the support service of this company to clarify all the details. And now I will tell you two unofficial methods Start accepting cards on your websites as one of the payment methods. I only know a couple so far, but perhaps I would like to compete for me and find out more of them... Here you can no longer be responsible for such people for giving me such information. However, unofficial methods are good for newcomers to electronic commerce, who are starting to make their first jobs on the Internet and save small costs on legal and investment activities. boosting your business. In such a starting situation, paying taxes and using traditional banking Internet acquiring is already expensive, so you can expect at least $200-$400 in expenses as a newbie. And for the rich, their financial situation is even worse, but the need to publish your right on the Internet is great... As you are one of these new-born entrepreneurs, the information below is a treasure for you!METHOD No. 1: International card operator "2CHECKOUT".
2checkout.com This company operates in the global market for accepting cards with a lot of success and, at the same time, allows residents of SND regions to be serviced at their place. One "ALE" - all those that you will have to easily use, if you would like a little bit of English language, to connect and use the possibilities of "2CHECKOUT" because this one language is used to explain this system with you and your clients, who will pay for your services or comrades. Therefore, you need to select “2CHECKOUT” in the drop-down box, so that you must describe the process of paying by card through our system in detail for your current clients. From the advantages of the system, you can see the ease of integration. different payment systems on your website. So they themselves have a very low tariff for an initial connection to the system - only $49. This system of statistics and control of transactions is also simple and manual. on the card - 0.45$ + 5.5% It is important to understand that for a beginner the proposition in “2CHECKOUT” is deprived of being useful and useful. The registration process is very simple. Just be sure that you will have to pay for connecting to “2CHECKOUT” with your plastic card, as you will be required to replenish the card with a minimum of $50 or an equivalent exchange rate for the currency of your card, or better yet, for insurance, replenish the card with a small margin from 5 $-10$.METHOD No. 2: International payment system VIP-PAY.
vip-pay.com And this option is the most delicious part of this article, which provides a unique service on today’s Runet. The uniqueness lies in the fact that the system is universal, in Russian, it accepts before payment even more widespread payment methods in Runet, including plastic cards! When I first arrived at their site, I immediately thought that the RUPAY.COM payment system had some kind of clone and competitor. To be honest, the idea and interface are very similar. ALE! Still, it is serious, I would say GLOBAL issues... This is the complete list:- According to Pershe, at lower prices for entering the system and transferring pennies to the seller. For all payment methods, the difference is up to 2% -3% according to RUPAY. For example, a WebMoney payment will cost less than 1%.
- In a different way, there is support for English language in the payment interface, which allows you to accept payments not only within RuNet, but also globally throughout the world;
- In third, there is a richer selection of different payment methods, including RUPAY.
- On a quarter, as one of the payment options WILL BE ACCEPTED BEFORE PAYING WITH A PLASTIC CARD! Transactions with four types of cards are serviced: Visa, MasterCard/EuroCard, American Express, Discovery. In this way, you will be able to achieve a wide selection of your possible clients and their payment amounts.
- Five, in the system there is a single buyer, which is very convenient when choosing many products with a one-time payment for everything.
- Po-Shosta, there is a simple and user-friendly interface for instant delivery of information, software products and services to the purchaser after payment. This report describes the entire process of connecting to the site and implementing instant delivery after payment.
- In a style, the technical staff of "VIP-PAY" would like to be attentive to their clients and customize their system to suit their individual needs. Behind the fact there is a VIP treatment.
If you sell goods and services via the Internet, you enter into financial and legal issues. And here we need a small legal step.
Civil Code
The first step is to register a business with the FNP. According to the Civil Code you know:
- What type of legal entity is right for you?
- How to arrange contracts correctly
Return to § 2. Different purchases and sales, in which it is written about the rights and obligations of the seller and the buyer. There is important information about the public offer: if you advertise it on the site, be prepared to sell it yourself in the public eye.
Subsidiary Code
Well, you are a legal person and an honest tax payer. It’s time to read your rights and obligations from the Tax Code.
What should I show my respect for:
- Yak vibrati system podatkuvannya
- How to pay taxes
- What do you need to know about your type of organization?
If you used to take money on WebMoney, and now you are legally trading on the illegal payment system, do not forget to turn on the maximum allowance for your goods and services. Most often it is 18%, sometimes less. For example, the maximum permissible limit for books is 10%.
Laws on cash register devices
Documents you need to know about:
- Federal Law “On the stagnation of cash register equipment” No. 54-FZ
The law says that:
- A company that accepts payments from individuals may process them through an online cash register and promptly transfer the information before submitting
- Every buyer can cancel the check
Since 2018, almost all enterprises have been subject to the law. The culprits are over-insurance, but there are quite a few of them: credit organizations, traders at kiosks and at fairs, repair shops producing keys, individual entrepreneurs who create premises.
Who needs an online cash register as soon as possible
FNP supports entrepreneurs and overinsurances the advantages of online cash registers. You can run a business from any device. There will be fewer re-verifications of the tax, and competitors will not be unfairly charged or underestimated sales obligations.
Administrative Code
Contact us article 14.5. You can find out from it what will happen if you break the law on cash register equipment:
- Fine: 1500 rubles. up to 100% in total without stagnation of cash
- If the amount of unrecovered proceeds is more than a million, the company’s core business should work on this plant for 1-2 years
- The company’s activities may also be suspended for 90 days
The online cash register costs RUB 11,900. (Proposition ModulKasi). And individual entrepreneurs on the unified income tax and on the patent tax system can apply for a tax of up to 18,000 rubles. Get out better, don't pay fines.
criminal code
Statute 199 writes about punishment for non-payment of taxes:
- If you fail to submit a tax return, you may be subject to a fine of 300,000 rubles, Primus robots or up to 2 lines
- If you fail to pay taxes on a particularly large scale, the fine may increase to a sum of millions, for valid work – up to 5 roki, and for possible abrogation of will – up to 6 roki
How to comply with the law on cash register equipment
The task is to organize payments so that information about the purchase is recorded and forwarded promptly. In addition, the buyer is responsible for withdrawing the check by e-mail or SMS.
The transmission scheme will be like this:
Now let's take a look at the leather croque.
1. Payment on the website
What is it? A block on the website through which your client pays. We all studied this at least once in life:
Payment on the site
Options. Receives payment data from the client and transmits the payment request with check data to the payment system.
De pridbati. The payment widget is also used by a company that provides Internet acquiring services. We didn’t know any companies that would charge a pittance for the form of payment on the site: you can get the cheapest tariff.
Yak vibrati. The more payment methods, the better. If you want to buy a card, if you want to use Yandex.Penny, or if you want to use Apple Pay. Every buyer can handle it manually.
Another criterion is the creativity of your CMS. It’s not obov’yazkovo, but let’s forgive you your life.
Yak nalashtuvati. Since the form for payments is complete with CMS, you will at least see how the site works, and it takes no more than a year to set up a loan. Ask the acquirer for instructions and follow them.
If integration with the CMS has not been transferred, please call the programmer. You need to upload the documentation, complete the form and “attach” payments to it manually.
Instructions Tinkoff Payment for installing the OpenCart module. Everything is clear and understandable
You are required to send the buyer a check by mail or SMS. Therefore, before paying, it is necessary to find out the client’s contacts.
2. Payment system
What is it? A system that collects money from clients and transfers it to your account.
Options. Transfers the check details to the online cash register, accepts payment and sends the money to the company’s account. Ensures security: for example, generates an SMS with a transaction confirmation code.
De pridbati. Services you can provide to acquiring:
- Your bank
- Payment aggregator: Robokassa, Yandex.Kasi, Wallet One, Paymaster
Yak vibrati. Check whether the system integrates with your cash register. Otherwise, you will have to set up the exchange of data manually, and this will cost you money.
Important for the payment system:
- reliability,
- Variety of connection,
- commission,
- amount of subscription fee,
- The speed of payment security.
If you deal with foreigners, convert and accept payments in currency as it is converted. Another plus is the cycle of technical support.
Most banks strengthen their proposals for Internet acquiring to request the client. We also found three of the most critical companies and compared the propositions.
Level table of payment systems
The main concern of payment systems is the visibility of received payments. There is also a subscription fee or an additional commission from the fifth transaction. Read the agreement carefully, especially since the commission is lower than 2%.
Yak nalashtuvati. It is necessary to connect the payment system with the cash register. Please ensure that the price is registered in the cloud record of the payment system. If you do not integrate with the account, you will have to ask the documentation for users and figure out your connection method.
3. Online cash register
What is it? It looks like a standard cash register. Also, a SIM card is inserted into the online cash register to ensure a permanent connection to the Internet.
Options. When the buyer pays for the order, the online cash register makes a record with the fiscal accumulator and transfers the purchase data to the fiscal data operator. For consumption, you will receive a paper receipt.
De pridbati. The online cash register is provided by a bank, an electronic reporting and accounting service provider, a cash register company or a distributor.
You can rent a cash register from hire. The cost is approximately 30,000 rubles. At first glance, it’s more expensive compared to the purchase. Please ensure that the order is ready to include technical support and replacement of the fiscal accumulator.
Yak vibrati. If you have already added your fiscal savings or signed an agreement with the payment system, you are required to comply. And if you can easily connect your cash register to your accounting and CRM software, your business will definitely be happy. Otherwise, you won’t be able to do it right away: you’ll have to work out the integration at once from the programmer.
In addition, the cash register model may be included in the register of cash register equipment. Turn to this side.
Yak nalashtuvati. If you bought an online cash register, you will need:
- Sign an agreement with the fiscal data operator. A list of accredited operators in fiscal data is available. It is possible that the services are already included in your subscription service package.
- Cancel your email signature. It costs a few years to work with one of the accredited companies. Vartist - approximately 2000 rubles. for the certificate itself it is 1500-2000 rubles. for getting better. Please note that if you have inserted your PC into your account, do not hesitate to get help with a signature. Otherwise, the blockchain, the certificate chain and cryptographic utilities will check on you.
- Register your cash register. Find the section “The appearance of cash register technology” on nalog.ru and fill in the fields. Then you will see the registration confirmation in electronic form.
- Set up the transfer of information to the FNP. For this purpose, in the special office of the OFD, indicate the registration parameters.
For instructions on integrating your account with CRM or electronic accounting, go to the supplier.
If the buyer can pay at the time of delivery, he will have to buy a cash register for couriers and issue paper receipts.
4. Fiscal savings account (FN)
What is it? A chip that saves sales data. Fiscal savings account is included in the filling of the online cash register. We brought it to the next point, because this unit cannot be rented and requires replacement for 13–36 months.
This is what a fiscal hoarder looks like
Options. It collects information about checks and payments that come from the online cash register, and transfers them to the fiscal data operator.
De pridbati. You bought cash from the same company.
Yak vibrati. The main criteria are the term of action, model and visibility in the state register.
Accumulations can be purchased for the 13th, 15th and 36th month. Rule axis in FNP:
Just because you accumulate insurance coverage for 36 months, this does not mean that you are spending three years. In memory in the same way as in the past for 13 months. Well, as soon as you retain your memory, the accumulated person will have to change.
The fiscal accumulator model is a special set of letters and numbers: FN-1.0 or FN-1.1. In 2019, format 1.0 is losing its decorum. This does not mean that you will have to change your savings: you just need to switch to the new format 1.05. Why go to the distributor of cash register equipment?
Yak nalashtuvati. Instructions for connecting to a computer, cash register, or accounting software are provided by the seller. Vin also helps with adjustments.
5. Fiscal data operator (OFD)
What is it? An organization that redirects information from an online cash register to the Federal Tax Service. The list of OFD can be downloaded on the website.
Options. Transmit information about payments on the site before payment and send checks to the client by email or SMS.
A check can only be issued to buyers through the OFD. Some companies provide such services as part of their subscriber services: for example, 1C and Taxi.
De pridbati. You enter into an agreement with the OFD either on the website for an additional electronic signature or in the company’s office.
Yak vibrati. Read the agreement carefully. Marvel at what hour of service is available, how many operations can be carried out per day and how long the data is saved (the minimum term under the law is 5 days).
Take a look at the additional services of OFD: they have handy package solutions with checks, accounting, and technical support.
The document that payment systems provide to clients is not a check, but a confirmation of payment. The receipt for the purchase must first go through the OFD.
Yak nalashtuvati. Place a contract, pay and enter information about the fiscal data operator if you register a cash register.
To cancel additional services, contact your operator.
6. Federal Tax Service (FNS)
What is it? The sovereign body that oversees tax legislation.
Options. Controls the flow of funds in companies.
FNP recognizes information about sales on your website as the operator of fiscal data. Anyway, your struggles with the tax don’t end there. You will need to pay:
- Contributions to the pension fund and the obligatory medical insurance fund are for yourself and your health care workers
- Tax on income (income minus expenses, income) - dependent on the tax system
- Tax on income - only on OSNO
- Fee for the main organization - especially for OSNO
- PDF - for practitioners and individual entrepreneurs on OSNO
- MDV - not the simplified tax system
How to accept payments for sites on the most popular CMS. Apply combination
| CMS | Payment system | Online cash register | OFD | Checks | Vartist |
| WordPress | PayPal | Circuit | Contour.OFD | Contour.OFD |
|
| 1C-Bitrix | Tinkoff Payment | KIT INVEST via CloudKassir | OFD.ru via CloudKassir | CloudKassir |
|
| Tilda Publishing | Oschadbank | Evator | It is unknown what Evotor is suggesting. | Evator |
|
| Joomla | Robokassa | ATOL Online | OFD platform via ATOL Online |
|
|
| Drupal | Yandex.Casa | ModuleCasa | OFD.ru | OFD.ru |
|
Visnovki
The entrepreneur must be legally literate. Consider the Civil, Tax, Criminal Codes, as well as laws related to the establishment of online cash registers.
The link associated with payments on the site consists of 6 lanes: payment form on the site, payment system, online cash register, fiscal accumulator, fiscal data operator and FNP.
Under your skin, you can choose a solution or speed up a package of services with an online cash register, OFD and checks.
If you have established the acceptance of payments on the site in 2 years, please note that you are not registered as an individual entrepreneur and are not at all familiar with the technical details.
Many web masters who launch a website or blog dream about making money for their children. Our team is trying to help your blog readers "World of Webmaster", and today we’ll talk about how to earn accepting payments on the site. Wait, there’s a lot that can be passed on to potential buyers, but knowing that it’s impossible to place a payment acceptance aggregator on your portal allows anyone to earn a decent income.
Options for accepting payments
Therefore, in order to organize the acceptance of payments on your website, you need to decide for yourself how you deal with other payment systems and payment aggregators. First option– low commissions, and faster access to web resources, another option– a small commission and pennies “fall” first to the partners.
The fundamental principle of work with payment aggregators
All systems for attracting customers follow the same operating principle:
- Koristuvach enter the required data in the written form (P.I.B., nickname, e-mail and in.)
- After filling out the form, the buyer goes to the payment page of the selected electronic payment system
- The seller of the product selects as a partner the sheet with payment information and verifies the correctness of the amount entered
- The buyer is redirected to the private pages or files or is given a password to access private pages or files. As an online store, the buyer takes out a sheet of information that his transaction has been accepted.
Of course, this is a schematic explanation, the skin aggregator of payment systems has its own algorithms, its own nuances, and it is important for the web resource owner to carefully consider all the features of payments before working with them. I will carry out a control purchase to ensure that everything is working as required.
The simplest way to accept payments on the site
Let's take a look at the options for installing payment systems. The easiest and simplest option is to indicate the Gaman number in Yandex, WebMoney, Mail.ru, RBC Money, etc. in the adjacent block on the website. that sum, if you want to spend some money on your rakhunka for the goods. As a product, the information will be placed on the page with the proposition.
There are more disadvantages to this method of accepting payments, but there are fewer advantages, I encourage you to think about this, my dear reader. But the biggest thing here is that in order to get the pennies off, you must be a very important person: who wants to risk it, even if it’s easy to run into a shahray in Merezhi.
A look at popular payment aggregators
There are no services for accepting payments on the Internet - below I will tell you about the activities of them, and in more detail - about installing “payments” on the site under the Unified Cashier.
1. Let's do it Interkasy– a good service, ready to connect all types of payment systems to your website. For its services, INTERKASSA takes a commission of 3% from the deducted payment for goods. Before accepting payments, Interkas does not remove any confidential information from the purchase, which guarantees the security of your purchase. To get started with the system, you will need to register and submit the site for moderation - not all Maidans are accepted for maintenance. In addition to the code, you can install a module and a plugin - this will simplify the work with integration. payments" Before speaking, the video axis of the work from the system:
2.
The payment acceptance system has arrived – CyberPlat. To publish a work with this service, you need to go through registration, retrieve the package of documents from the project manager, fill in the papers and send them to CyberPlata’s security providers. At your confirmation, you will receive the data to set up a payment system. In my opinion, there are already a lot of turbulence and reconciliation, but here there is a more legal framework for safety and security of work.
3. The third system for accepting payments on the website from our list is QIWI.
To use the system, you must register and submit it to the online store for moderation. When connected, you will have to select the type of entity: registered or legal entity. There are differences between them, starting with the commission and ending with the terms of connecting to the service. After contacting the online store, the service administration will notify you of the documents that will need to be signed and returned. Next – set up the form for accepting payments for the protocol you have chosen (you can select combinations).
4. The “payment” is due.
The service is well known and popular, to use it you need to register and send a package of documents to the administration portal. After this you will receive a code that you need to install on the site. The service fee depends on the choice of tariff, as follows: “Basic”, “Housing and communal services”, “Do good” etc. RBK Money and all major electronic payment systems are accepted before payment.
This payment acceptance service is one of the largest in its field, which will reach 10 milestones in 2013:). ROBOKASSA deals with both legal entities and individuals. To begin the process, legal entities must create a registration record, sign an agreement, check the validity of the system, comply with the Texan “payment” act and issue a power of attorney. Cooperation with individuals is based on a public offer and requires registration and confirmation that the site complies with the rules of the service. U first option for rozrakhunki partners vikoristy unprepared rozrakhunok, to another- electronic pennies. Robocas is a truly reliable aggregator, if you are in doubt about choosing a system, then gain respect for it first. The service fee is based on the applicable tariff and starts at 1%.
How to accept payments on the website using the United Cashier
Why did I choose this system? Thanks to its simplicity and ease of installation. Hey, let's go to merchant.w1.ru/checkout/site and emboss the button “Connect now”:
On the page that opened, we are shown the algorithm of our further actions, and we begin with registration:
To register, you need to enter your work email or phone number as a login, enter a security code and understand that you are subject to a public offer agreement, which you can read after completing the application.
The password for registration can be found in the e-mail. After you enter it, the start page will open.
All necessary adjustments are carried out, there is a lot of them, until the minimum is spent. They have seriously planned it on the right, so don’t be lazy. Before speaking, you can select the visibility of your data.
We are setting up an online store. Here you will have to confirm the rights to the site by downloading the text file from the main folder or inserting the code into the head page template.
Having confirmed the rights to the website, then set up a form for accepting payments on the website. How to do it correctly can be found on the website merchant.w1.ru/checkout/site/develope There is also a description of the parameters that can be entered into the code for additional payment characteristics (with which gamuts to trade, with which – not, what kind of currency it is).
It will look something like this after the following setup and integration:
You can install an informer that indicates the payment methods for the contract.
You can also earn everything using additional modules. You can attract them from the pages where we started the work:
Below – 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- hire a zagalom. There is no longer any understanding of what you will sell and purchase on any payment system. Good luck!
The ability to pay with a bank card has long ceased to be available. Most 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 offer the ability to accept payments on the Internet for their plastic cards are called acquiring banks. There are two main ways to install payment by bank card on the website:
- Connect the acquiring bank module directly.
- Use the payment service as soon as possible. This is why payment aggregators are called to make the online payment process manual for merchants, and to make it easier for website owners to work with payment systems.
Before speaking, with the help of additional payment aggregator services, you can make payments on the site not only with bank cards, but also with other popular methods (Yandex. Groshi, WebMoney, QIWI, etc.).
How to make payment by card on the website carefree?
When paying and accepting payments with bank cards, buyers and sellers are at risk: how safe is it? Clients of the online store want to be assured that when making a purchase they will not write off a pittance from the amount paid. Website owners want to protect themselves from the risks that they require from the bank for payments after the goods have been withdrawn.