How to connect online payments. How to connect online payment acceptance? Other payment systems

With this form of payment, it should be noted that the sale for cash of any product or service in Russia must be carried out through a cash register with the issuance of an appropriate receipt to the buyer. This is easy to organize when picking up the goods, but if we are talking about delivery by courier, then the issue is somewhat more complicated. According to the regulatory authorities, the courier must carry a portable self-powered cash register. Such equipment is available on the market in a sufficient range, but, of course, its acquisition requires additional costs.

Many online stores follow a simpler path by installing one cash register in the office. The scheme is simple - the courier prints out a check in the office and delivers it to the buyer along with the goods. It is difficult to say whether such actions are legal. On the one hand, there is an indirect violation of the rules of trade due to a noticeable discrepancy in the time of issuing a check and receiving payment. On the other hand, this does not fall under administrative offenses, as it is not spelled out in the current administrative code. However, the fact that such an “improvement” does not meet with understanding from regulatory authorities is unambiguous and can cause problems.

Payment by bank cards

Bank cards are one of the most convenient forms of payment. Today, credit cards are becoming more common, which allow users to make orders without going to a bank for a loan.

Accordingly, the successful functioning of an online store directly depends on its interaction with existing payment systems. Therefore, you are required to:

Submit an application and register in the electronic payment system. After consideration of the application, a personal code will be assigned in the system.
Conclude an agreement on Internet acquiring with the bank. Within its framework, the bank will open a current account, where the money will go from buyers who have made a purchase using plastic cards.

The bank with which you conclude an agreement will charge a fee for connecting to the system and servicing the current account. A cash flow statement will be sent to your e-mail daily, on the basis of which you can record the fact of payment for the goods and arrange delivery. But it should be remembered that when paying with bank cards, as well as with cash, the use of cash registers is required.

Payment by electronic money

Electronic money - Webmoney, Yandex.Money, Mail-Money, PayCash, etc. are a form of cashless payment and do not require the use of cash register equipment. With this payment method, the online store is required to register in the payment system, provide the center with all the necessary, including primary, documentation. Registration is also required from the buyer, but it goes through a much simpler procedure.

To make a purchase, the buyer must have the required amount of electronic money on his electronic wallet. You can replenish them by depositing in cash or by bank transfer. Naturally, rarely anyone will set up an electronic wallet to make a purchase in your online store; this form of payment is more likely designed for long-term users. Nevertheless, it does not hurt, at least, to provide links to the relevant sites of electronic payment systems or mark up topical articles on the site.

Payment for the goods is made by transferring electronic currency from the buyer's account to the seller's account. To do this, there are special programs or a web interface. The fact of making a payment is registered by receiving notifications through the program, web interface or by receiving notifications by e-mail.

If the buyer canceled the order

We are talking about the semi-legal option mentioned above, when the check is printed in the office and delivered by courier along with the goods. If the goods delivered by you are not suitable for the buyer, and the check has already been printed and is in the memory of the cash register, then it is necessary to act according to the Rule of the Ministry of Finance of Russia No. 104 of 08/30/1993. It provides for the drawing up at the end of the working day of an act in the form of KM-3. Recall that this red tape can be avoided by equipping the courier with a portable cash register that will issue a check after the buyer evaluates, accepts and pays for the goods. This allows not only to reduce the risk of a return, but also to avoid problems with regulatory authorities.

Registering a business can kill a start-up project. Obtaining the official status of an organization or entrepreneur imposes liability. Payment of taxes, duties, fines - all this is permissible for an already mature enterprise. But for a small team that just wants to test their idea, this is an unaffordable luxury.

Most of the work can be done without a legal entity. But when it comes to checking the profitability of the project, you will have to come to a standstill: payment aggregators will one by one reject applications for connection without official status.

Opening a company is not very difficult, but closing it means going through a long and costly process. Therefore, monetization must be checked before the start of official work.

And some payment gateways offer to work with them as an individual. I also faced the choice of a company that can be trusted with clients' money. Let's figure out who is better to choose.

Are you sure that you will not have to close your business after the start? Then look again at these statistics.

Who is left on the market?

A year ago, there was no problem finding an aggregator that could be connected without registering a business. But then the Bank of Russia limited the work of payment services with individuals. Well-known organizations like Paymaster, Robokassa and OnPay have no choice but to freeze the accounts of their customers.

Since then, the situation has not changed much for the better. Acceptance of payments as physical. almost no one supports faces anymore. Those few who are still interested in working with private traders have seriously tightened the requirements. But still, several services offer to connect their services without registering a business:

Robokassa.
Interkassa.
wallet one.
WebMoney Merchant.

What does each of them offer?

As you can see, only two systems from the TOP-7 work with physical. persons.

Robokassa

Robokassa is already almost synonymous with a payment system. Perhaps this is one of the most famous aggregators in the CIS. Known, first of all, for its huge commission. After last year's incident, the service did not work with individuals for some time, but now it has resumed accepting payments for them again. How long?..

However, let's consider what Robokassa now offers its customers.

To fully use the service, you will have to go through the identification procedure. To do this, after registration, you must enter your passport data and go through the verification of the Qiwi wallet attached to your personal account. This procedure is available only to Russian citizens. Phys. residents of other countries will not be able to use the system.
The number of payment methods is very limited. Customers will be able to pay in your store with Visa and MasterCard cards (commission from 7%), Qiwi electronic money (6.8%) and Yandex (wild 9%), debiting funds from the account of a Russian mobile operator (5%), as well as in stores communications and multiple terminals (5-8%).
You can withdraw the earned amount only to the Qiwi wallet.
You can not directly transfer the commission to the store. To do this, you will have to manually configure the XML interface. He will calculate how much to pay to the client so that, taking into account the commission, he has to pay exactly as much as the product or service costs. Crutch as it is.
Of the advantages of Robokassa, it is worth noting a very extensive technical documentation and a lot of ready-made modules for popular and not so popular CMS.

Due to restrictions for citizens of the Russian Federation, this service could not suit us. However, even with a Russian passport, I would seriously consider whether to contact Robokassa. Their commission is the highest among all the services that will be discussed today, and the withdrawal method is perhaps one of the most inconvenient.

Interkassa

The Ukrainian payment system, therefore, the order of the Bank of Russia did not affect it. Interkassa has provided its services to individuals before, and nothing has changed today.

Used this system for about six months on one of the other projects. Perhaps the most important advantage of Interkassa is a very simple registration. To get started, just create an account using email, after which you can send your store for moderation in WebMoney, Qiwi and Yandex.Money.

To connect additional payment methods, you need to send to those. support request for each service added to the system, and describe how and for what the payment will be charged. After that, it will become possible to accept money from bank cards, numbers of mobile operators, terminals and a dozen other payment systems that I have never heard of.

Passport data is not required at any of the stages.

The commission is low, within 3-5%. Using the slider, you can determine what percentage of the commission the buyer will pay, and how much - the seller.

There are modules for connecting Interkassa to CMS, but there are not many of them. Moreover, it seems that not all of them are official. We're having trouble setting up payments through the only plugin available for Drupal Commerce. To the questions of those support not only could not give an answer, but was generally surprised at the existence of this module.

What are the other disadvantages of Interkassa:

Inconvenient and uninformative interface. On the main page, apart from a couple of slides with banal information, there is nothing else. The commission is visible only after connecting the desired payment method. In the modes of cash desks and wallets, at first you get confused. The archive of accepted payments cannot be sorted and deleted in any way - there are still fifty test payments made last year on the account.
Periodically, for unknown reasons, they turn off the reception and withdrawal of funds in one or two directions. After a while they connect again. True, they always warn about it.
Bad reputation. It is enough to search for "Interkassa reviews" to find many examples of negative experience with the system, both as a payer and as a store. Mostly they complain about lost payments, account blocking, long withdrawal of funds and slow work of those. support. For the sake of objectivity, I’ll say that I myself really only encountered the sluggishness of the support. However, the amounts withdrawn are insignificant. Recently, it has been noticeable that they are trying to improve their reputation, actively working with clients in social networks. networks, trying to respond to the claims that have arisen.
Weak site moderation. This seems to be a plus until you begin to understand that not only a “white” service, but also a fraudulent one, can pass it. I would not want buyers to have suspicions of deceit with one type of Interkassa payment form.

I can’t recommend this system, after all, the amount of negativity in the network against this payment gateway is alarming. And checking their veracity on a live audience is not the best solution. Let's wait, maybe in a year or two Interkassa will still be able to restore its reputation.

Wallet One

An international payment system headquartered in London, therefore, the order of the Bank of the Russian Federation also indirectly affected it. Remarkably, it offers its services not only as an aggregator, but also as an electronic wallet for personal needs, to which you can receive transfers through any other system.

At first, Wallet One meets with a beautiful, modern and completely uninformative site. All the marketing nonsense on the landing page can be safely scrolled down, where the most important links are hidden: tariff information, documentation, terms of use.

The commission of the system depends not only on the revenue of the store, but also on the region in which it is registered, as well as the main currency. So, for a Russian website, accepting payments in Russian rubles will cost 3-5%, and for a Belarusian service - already 5-6%.

Wallet One is interesting because it allows you to work with different currencies. Available: dollars, euros, Russian and Belarusian rubles, hryvnia, tenge, zloty and many others. Unfortunately, sometimes choosing a currency standard will shorten the payment methods. For example, dollars can only be accepted from bank cards.

Wallet One offers a very wide range of available payment systems. In addition to standard plastic cards, Webmoney, Yandex.Money and Qiwi, regional e-wallets like the Belarusian EasyPay or the Kazakh Kassa 24 are also supported.

The main disadvantage is the rather complicated identification procedure. The system offers several options to choose from:

Submit an application by mail.
Visit the company's office. There are representations in all countries, the currency of which is accepted by the "United cash desk".
Visit the Contact salon or Euroset.
Pass video identification via Skype.

But do not flatter yourself, you will not be able to use most of the methods. This list is relevant only for Russia. Depending on the country and currency standard, only a few options will be available. For example, to receive money in nat. currency you need to visit the office of the company.

When trying to go through video identification, in addition to the passport, for some reason they demanded to provide an additional document: a driver's license, a residence permit or a military ID. I didn’t have anything from this list on hand, and I didn’t want to go to the office, so for now, work with Wallet One has been postponed until better times.

WebMoney Merchant

If you went to the Paymaster website and saw the button "Register as an individual. face", do not rush to rejoice. Instead of approving the application, an offer will be sent to the mail to accept payments as a seller in Webmoney Merchant. What is not surprising - Paymaster is owned by Webmoney owners.

At first, this option is perceived quite skeptically. Accepting payments with only one type of electronic money is not serious. However, if you take a closer look at the conditions of Merchant, it turns out that this system is closer to the aggregator than to a regular wallet.

In addition to receiving Webmoney, the service allows you to pay for a product or service using cards of Russian banks, numbers of mobile operators, terminals, Internet banking. You can even pay with exotic Bitcoins. The commission for the use is small, in the range of 3-5%. Unfortunately, it is impossible to transfer it to the store using built-in tools.

To start working with Webmoney Merchant, you just need to have an account in the system with a passport not lower than the initial one and apply for registration in the Megastock trading platform catalog. Moderation takes about a day, after which you can start accepting payments. Earned money will be credited to your WMR wallet, from where it can be withdrawn in the usual way.

However, there are a few downsides to the system that you should keep in mind:

You can only accept payments from cards of Russian banks. For residents of other countries, paying by card will not work, and this is very inconvenient.
Electronic currencies are not supported. You cannot pay for services with popular Yandex.Money and Qiwi.
Few payment modules for CMS. Under Drupal, only one unofficial plugin was found, while it was in the sandbox and required significant improvements. However, the site describes in detail the API of the system, so if you have a programmer, integrating the aggregator is not a problem.

In general, Webmoney Merchant falls short of the title of a full-fledged payment gateway - there are not enough payment methods. But at the same time, it is a head and shoulders above the usual acceptance of funds for a personal Poison or Qiwi wallet. The connection process is quite simple, but at the same time screens out fraudulent sites.

Outcome

We opted for Webmoney Merchant. The main reason is the excellent reputation of the system. I have been using WM services for more than five years, and there have never been any complaints about the system. The service is trusted and cares about the safety of customers.

If you are not satisfied with the limited functionality of Webmoney Merchant, you should definitely try Wallet One. Although I did not have a chance to work with this system, it was the second in line if there were problems with WM. Perhaps after the registration of legal. faces go to this gateway.

Robokassa and Interkassa raise questions. If you are a citizen of the Russian Federation and are not afraid of high commissions, then in principle you can try Robokassa. Interkassa managed to seriously ruin its reputation and is now trying to restore it. Join if you think it's good enough. In terms of functionality and commissions, the system is not bad.

In the conditions of modern life, dynamic, successful people have absolutely no time to waste their time standing in lines to pay utility bills or purchase goods and services available for purchase via the Internet. It was for them that Beeline created the Mobile Payment option, which makes it possible to pay for an apartment, buy tickets and pay for various services directly from the phone balance or from a specially created account. This offer is available for all tariff plans, and payments are made quickly and through secure channels.

How to connect "Mobile payment" to Beeline?

This option on prepaid tariffs is activated automatically after the subscriber spends 150 rubles from his account for Beeline communication services for the first time. On a postpaid payment system, you need to create a special account for payment.

You can make a special account for a corporate or postpaid tariff using a free request to the number *110*271# . A subscriber with access to the Internet can connect "Mobile Payment" in the Personal Account on the Beeline website. You can also activate the option through the Beeline operator by calling 0611. A special account will be created within 24 hours.

Characteristics, conditions and limitations of the "Mobile payment" service

On postpaid tariffs, you will need to deposit funds to the created account in order to make money transactions. You can replenish "Mobile payment" in the same way as the balance of a cell phone, indicating a 10-digit Beeline subscriber number, only the first digit 9 needs to be replaced with 6 . For example, for the phone number 9061234567, the Mobile Payment account would be 6061234567 . You can find out the balance of money on a special account using the *222# command.

When paying by phone, there are monetary restrictions. The maximum amount of payments per month is 40,000 rubles, the daily limit is 15,000 rubles.

In addition to paying for goods and services from a phone account, subscribers have the opportunity to transfer money from Beeline within the network using the "" service. As well as "Mobile payment" on prepaid tariffs, this option is activated automatically after replenishment of the account in the amount of 150 rubles or more. The maximum daily limit for transferring funds per day is 400 rubles.

Also, all Beeline subscribers will be interested in other financial offers of the operator. For example, the service

Today, business is so integrated into processes that previously could be done exclusively in a “natural” form, at the moment they have become carried out over the Internet. For example, payment for goods or services. Instead of withdrawing cash and taking it to the store, we can always pay with a card or without leaving home. Convenient, isn't it?

The owner of a resource that offers some services for a fee should know how to accept payments on the site without additional difficulties. In this article, we will consider this issue.

Difficulties with receiving payment

Let's start with a general idea of why it is so difficult to accept payments through the site. Firstly, this is due to a number of technical nuances. The task of the payment acceptance system is to establish a relationship between the server responsible for notifying about the receipt of funds and the resource-side program that will accept such a notification and provide access to closed sections, data, materials, and so on.

In turn, it is not easy to get such a tool as communication with the payment server, because we are talking about the security of the operation of a particular electronic payment system or even a bank. In order for everything to function as it should, proper implementation of the payment system at the technical level is necessary.

Secondly, the security of the payment system also depends on the counterparty that accepts the payment. If we are talking about the fact that the owner of the site can collect money from his visitors, it is necessary that in return he presents the described content. Otherwise, the payment system can become a tool for fraudsters. Therefore, there are a number of restrictions that are designed to protect the buyer in the first place.

Fraud and online scammers

In addition, if we are talking about how to accept payments on the site, it is important not to forget about the protection of the payment system itself from the so-called false payments, including “fraud”. This term comes from the English language (fraud) and denotes a false action. For example, in order to prevent payment from hacked cards or similar actions imitating a purchase, after which the bank or payment system will have to compensate the transferred money at its own expense, there are various “anti-fraud” mechanisms. Because of them, the procedure of how to accept payments on the site becomes more complicated, and the webmaster is required to take more steps to get started.

Balance between comfort and safety

At the same time, it is in the interests of any business entity to increase the volume of working capital and the number of customers. Banks and payment systems are no exception. Therefore, companies operating in this area are making various concessions in order to allow more Internet services to accept money from their customers. About what is required for this in each case, we will tell in the article.

Bank cards

Probably the most popular online are the bank cards that are familiar to all of us, serviced in systems. They can pay not only for the next meal at your favorite restaurant or the purchase of tickets, but also to pay in online shops without additional difficulties. This is why customers love them so much.

For site owners, this tool is also a favorite method of calculation. It is quite difficult to set up the acceptance of payments on the site through these systems. The resource on which the store operates must meet a number of criteria. In particular, this is the need to officially open, receive permission to receive funds from the site directly to it, open (if necessary) a security deposit in this bank, provide information about the goods and services that you are going to sell, and so on. All this together makes the procedure for connecting the possibility of paying by credit card rather complicated, especially for a small business. And, when working directly with the bank, it should be understood that information about the receipt of money in your account will be available to the tax service. It makes sense to cooperate with the bank directly to maintain your site only if you work “in a white manner”.

At the same time, many are wondering how to accept payments on a site without an IP. The situation may be different, for example, if the webmaster decided to start a small individual business selling one type of product. Of course, in such a situation it is better to work through an intermediary company. We will discuss the advantages and disadvantages of this form of interaction in another section of the article.

Yandex

According to official data, Yandex.Money is the most popular electronic payment system in Russia. This means that in addition to paying with cards, many of your visitors could theoretically pay in this currency, and the funds would go straight to your wallet.

If you are interested in how to accept payments on the site in Yandex.Money directly, then there is a special page on the official website of the system. It indicates the advantages of accepting money with Yandex and some conditions. In particular, individuals (if they have the status of an individual entrepreneur) or legal entities can connect the service after drawing up a single contract or providing identifying documents. The money that will come from buyers is credited on the next business day. For each transaction, the system collects a commission (from 3 to 5 percent on average, depending on the turnover and tariff). Another advantage of this option is that through “Yandex” you can connect payment using and through “Ya.Dengi”, Webmoney, mobile operators, and so on. Thus, working with one company, the store owner can get a real payment aggregator, which will allow you to pay in different currencies. Another advantage of accepting payments on the site is that Yandex offers its customers various bonuses: the ability to receive statistics, online banking, send payments directly to a bank account, and so on. And in general, it is quite clear here how to accept payments on the site. Yandex has simple methods, but, as reviews say, they are quite effective. Therefore, you can pay special attention to this service.

Qiwi

Quite a convenient service for working with online stores is Qiwi. This is a payment system that allows store owners to accept money in several ways: in Qiwi currency, from plastic bank cards, from a Megafon, Beeline, MTS mobile account, as well as from branded terminals (of which there are more than 100 thousand in the country).

Connecting to the service is quite simple - you need to be an individual entrepreneur or have the status of a legal entity, provide your website and information about products that must comply with legal requirements. If all these points are settled, the company's managers will acquaint you with the technical solutions that the payment system has. In particular, these are both ready-made store scripts and modules designed to be connected to the project. They will help you, tell you about everything and tell you. The rate at which you will be served is discussed individually depending on the type of content or products you offer.

webmoney

Another popular payment system that I would like to note is WebMoney. Legally, it is not such - therefore, in order to accept payments in this “currency”, opening a bank account or having an individual entrepreneur (legal entity) is not required. At the same time, a system participant who wants to know how to accept payments on the site (payment is accepted, of course, in WM title units) must have a so-called merchant passport. It is issued on the basis of a personal certificate, which can be obtained after confirming your data at the WebMoney registrar's office and paying a fee (about 30-50 dollars, depending on the place of residence).

The advantage of working with WM is that the procedure for receiving funds is really simpler here, the minus is that it is impossible to receive money from cards and in other currencies.

Other payment systems

In addition to the described methods of payment (cards, “YAD” and “VM”), there are many other payment systems. For example, PayPal is the world's most popular payment acceptance service. With it, you can receive funds both from cards and in the intra-system currency - depending on the user's preferences. The advantage of the system is the ability to work with foreign contractors.

There is, for example, the PerfectMoney system. Semi-legal projects work with it, for example, financial pyramids and investment HYIP sites, designed for several days of work and further closure. In order to accept this currency on the site, you do not even need to confirm your identity.

There is the same EgoPay, which also does not require any confirmation or formalities.

The advantage of working with such currencies (payment systems) is that access to their acceptance is really simplified compared to traditional tools. Minus - in a small number of users and high commissions.

Aggregators

Since each online store is designed for a fairly wide audience (for the most part), it is in the interests of the administrator to provide the widest possible list of possible payment methods. That is, in other words, it is better to immediately look for options on how to accept payments on the site in various ways, and not just one. This will create more comfortable service conditions for customers and, as a result, help increase sales. The best way to handle this function is the so-called aggregators. These are services that combine different methods of accepting payments together. Through their mediation, you will not need to register separately in each of the electronic systems with which you want to cooperate.

An example of an aggregator can be Yandex.Money, where, as mentioned above, it is proposed to work with different payment directions. There is also Robokassa, OnPay, LiqPay, PaysTo and many others. The difference between them is in the tools that these services share with the webmaster, in the working conditions and, of course, in the tariffs. It should be noted that the main advantage of these systems is the convenience and the ability to combine different currencies. The disadvantages include the commission for each transaction, which will be higher than when working directly.

How to make a choice?

A logical question arises as to which service should then be worked through if many of them perform similar functions. Or maybe it's best to work directly with a bank or payment system?

Let's put it this way: it all depends on your status and the amount of revenue that you plan to receive. If you are a private webmaster who wants to make money illegally by selling some product, it is best to work through intermediaries. If you represent a "white" legal entity, it is best to formalize your relationship directly with the bank or "payment". This is perhaps the best answer to the question “how to accept payments on the site”. Advice can be given only on the choice of a particular service, which provides for smaller payments.

Work with IP or without?

Finally, it is important to remember: if you are looking for how to accept payments on the site, the “acceptance” systems have the following policy: official companies and individual entrepreneurs pay less than those who choose “gray” methods of work. But, in turn, connecting to the receipt of payments in cases of "gray" methods is simpler. The choice is yours!

Sberbank. Mobile applications.

A convenient and simple service that allows Sberbank of Russia bank card holders to pay for OnLime services using smartphones and iPads

When paying, no commission is charged.

Yandex money is an online payment service that operates 24 hours a day, 7 days a week.
Using Yandex.Money is easy. All interfaces - the site, its mobile version, smartphone applications - are simple and convenient.

Payment is made on the Eleksnet Wallet website.
To make a payment, enter the personal account number of the Onlime subscriber and click on the "Pay" button, after which a page with a ready form of payment will open.
Enter the number of the Eleksnet Wallet, the amount to replenish and the payment password.

enrollment funds are produced in the mode online.

WebMoney

To make a payment you need:

Make sure that the WebMoney Keeper wallet management application is running;
Go to Account replenishment service ;
Enter the personal account number and the amount of replenishment;
Log in to the WebMoney system;
Check payment information (type of service, account number, amount);
Select a wallet for payment and confirm the payment.

On-line payments
Commission 1.8%

RuRu.ru

RURU payment world is a fast, convenient and secure way to pay for the most popular services. You can pay for OnLime services on this site, or use SMS requests for payment if you are on the road. You can install the mobile application "RURU payment world" in your iPhone or Android phone.
You can pay for services for your relatives and friends, even if you now live in different cities.
Online payments.

IntellectMoney

IntellectMoney is a convenient and safe way to top up your account balance for all OnLime subscribers. Replenishment of the account occurs in real time on the website of the payment system. Also, through IntellectMoney, you can pay for the services of more than 750 companies, make purchases in online stores, make secure payments from bank cards, send money to the accounts of other users and instantly withdraw them from the system.

When paying, pay attention to the size of the commission.
On-line payments.

Access to Citibank Online does not require any special software to be installed, the system works through a regular Internet browser.

Payment is made with a debit or credit card (when paying with a credit card, the transaction is processed as a regular purchase in a store).

On-line payments.
When paying, pay attention to the size of the commission.

Single Wallet

Registered users of the service can pay for services:

from a mobile phone through the "W1 Java Mobile" application;
from a mobile device with the Windows Mobile operating system through the "W1 Windows Mobile" application;
from a mobile device with the Symbian operating system through the "W1 Symbian Mobile" application;
in your personal account on the website www.w1.ru;
wap-site wap.w1.ru;
from a Windows Vista computer using the "W1 Vista Gadget".

To make a payment you need:
- in any application W1 select "Payment for services";
- find a provider using the search or in the appropriate section of the rubricator;
- indicate the account number and the amount to be credited;
- check the correctness of the entered data and confirm the payment.

On-line payments.
When paying, pay attention to the size of the commission.

Russian Standard (Internet banking system and ATMs)

You can deposit funds through the Russian Standard Internet Banking system,
as well as through the Bank's ATM network.

On-line payments.
When paying, pay attention to the size of the commission.

Alfa-Click Internet Bank

Alfa-Click Internet Bank is a modern, convenient and practical set of banking services and the ability to make electronic payments via the Internet with maximum speed and reliability.

On-line payments.
When paying, pay attention to the size of the commission.