How to enable payment acceptance. How to make a payment in an online store through payment systems? Balance between comfort and safety

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

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

To use the bank’s Internet service, you need to connect once and enter your settings.

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

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

How to set up payment for online purchases

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

insert the plastic into the terminal;
select the “Internet service” option;
Click on “Print ID and Password”;
The receipt you receive will contain the necessary information.

Connecting a card to the personal account service can be done using a terminal

Your login and password can be provided by the bank's support service over the phone. It is worth providing the plastic number, your passport details and the code word.

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

How to pay for an online purchase through Sberbank Online

The first steps towards paying for an order through your personal bank account

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

enter the service through the main page of the official website of the banking institution;
log in using your username and password;
in the main menu, select the “Payments and transfers” section;
select “Transfers” from the list, and then click on “Transfers to organizations”;
You will need to fill in the field for the recipient's (online store) details - indicate the current account, INN and BIC (this data can be obtained from the receipt sent to your email address after confirming the order, or you can request bank details in the online store);
Next, you need to select a card for debiting funds, if the user has several of them;
For security reasons, an incomplete debit card number will appear on the screen and the remaining money on it will be indicated;
click “Continue”;
carefully fill out the “Recipient’s name” column - the slightest mistake will lead to the recipient’s banking institution rejecting the payment;
fill in the “Subscriber Data” field;
indicate the purpose of the transfer and the amount;
You can confirm the payment in two ways - by sending an SMS or using a one-time password from an ATM;
confirm payment;
confirmation of transaction completion is “Executed”.

You should be very careful when entering the recipient's details.

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

From the author: Hello friends! According to statistics, about 10% of online store visitors are eliminated at the stage of paying for their purchase, because they simply cannot understand how to pay for a product or service, or the form of payment presented on the site is inconvenient for them. In our article today you will learn how to make a payment in an online store. And this is perhaps the easiest way to increase the number of sales without investment.

Since most people start creating an online business without legal registration, we will consider the process of connecting payment to an online store for an individual. Our task today is to organize the process of transferring money from site users who want to purchase goods to your bank card. Moreover, everything should work automatically.

If you are creating an online store for the first time, we recommend that you first read about creating effective commercial websites. If you have an online platform ready for sales, you can immediately proceed to consider the question of how to organize payment in the online store.

Technical side of the issue

From a technical point of view, the process of creating a payment in an online store is as follows. The customer makes a purchase and is issued an invoice. Next, he selects a suitable payment system and enters the necessary data to make the payment.

If the user has specified everything correctly, then the payment system server sends a request to the pre-specified URL of the online store, and the trading platform, in turn, transfers money to the client’s account. In case of incorrectly specified data or other technical failures, the system will notify the person that the payment has not gone through.

If the operation is successful, the person will be redirected to a special page where there will be a comment indicating that the payment has been made and the money has been credited.

Selecting a payment system

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

Robokassa

Connection takes place in a few simple steps: register on the website, provide online store details, and set up a payment form on your website. The specifics of working with Robokassa also require special moderation. The system requires the following specific details to be present on your website:

contact information with store representatives.

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

W1

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

Qiwi wallet

The basic connection procedure is also simple. You go through a quick registration, then you are assigned a specific manager, with whom you undergo further consultation on technical issues. The specifics of the Qiwi wallet require, in addition to entering standard data by the user, also checking the validity of the phone number.

Qiwi commission is 1% on all transfers.

Yandex.Money

This is one of the most popular types of payment systems, so we decided to mention it so that you don’t have any questions about this. The Yandex.Money system does not involve working with individuals. Moreover, even if you are a legal entity, there is still a minimum financial limit below which cooperation with an online store seems impossible.

Therefore, you will have to wait a little while connecting Yandex.Money until the store gains proper momentum. If the availability of this payment method is important for you, then give preference to Robokassa as the main payment system for your online store. This is the only external platform that supports Yandex.Money.

WebMoney

Organizing automatic payment acceptance in the WebMoney system will require a little more time. First of all, you need to register your personal passport. This may take about a week, because WebMoney requires sending a notarized application using Russian Post.

After this, add the online store to the site catalog on megastock.ru. It will take another 1-3 days. The advantage of the system is that you can test the payment (in fact, everything goes in a standard way, only money is not withdrawn). This advantage allows you to catch errors in the code in advance.

The funds transferred by the client go to the WebMoney wallet specified during registration. The commission is provided only for making the payment itself (it is withdrawn from the client).

What is the value of connecting online payment?

However, owners of physical goods will also benefit significantly from connecting the payment system to the online store. The latter will save a lot of time from sending account numbers to clients and unnecessary waiting for people to deposit the required amount. In turn, payment systems will allow customers to save on delivery and save them from financial red tape.

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

What should legal entities do?

To connect online payment to an online store for a legal entity, you need to perform almost the same steps. Just take into account the fact that it will take a little more time to organize the process. This is due to the need to conclude a formal agreement providing for more thorough checks of your activities.

You received a detailed answer on how to choose a payment system for an online store and connect it properly. The procedure is not complicated, the main thing is to carefully fill out the data when registering, otherwise you will then spend a lot of time correcting them in support.

If you want to learn more about the functionality of your online store, we recommend taking note of several useful online courses from.

The issue of accepting payments arises before every owner of an online store - from choosing payment methods to connecting them to the site.

You can accept payments on the site in different ways:

directly through the acquiring bank (payment by plastic cards);
through a specific payment system (for example, Yandex.Money, QIWI, PayPal);
using a payment aggregator that combines several payment systems (examples: Robokassa, Yandex.Kassa, PayOnline).

As a rule, the appropriate methods are chosen as follows:

Option 1: The company is young, the turnover is small, we need to quickly connect the acceptance of payments using the most popular methods.

In this case, we use a payment aggregator. The commission will be the highest of all the options indicated (3-6%). But the easiest way to connect is to register an account with the aggregator, install a module from the aggregator on the site - and you already accept the 5-10 most popular payment methods.

Option 2: The company is already established, the turnover is average, it is necessary to reduce the costs of processing payments.

Here we look at the statistics to see what the most popular methods are used by clients. We go to the websites of these particular payment systems and find out what the commission is there. If the commission is lower than in the aggregator, then we connect these methods directly, and leave the aggregator only for other methods (in which the differences in commission are insignificant).

Option 3: The company has a large turnover of bank card payments.

Here you need to look towards Internet acquiring. For example, in the direction of the bank where your company’s account is already open. The commission percentage for payments will be lower, the higher the company’s turnover, and the funds will be credited to your bank account (that is, you will not need to think about how to withdraw these amounts from the aggregator).

And payment by card through an acquiring bank is perceived by users as safer than payment through an aggregator (which is important for large companies).

Connecting Internet acquiring

If you have chosen online acquiring, you first need to choose a bank. Look at the size of the bank's commission for each operation, the cost of connection, the period for crediting funds to the account, the availability of round-the-clock technical support and the types of cards from which payments can be made (the minimum set is VISA and Mastercard).

When you have chosen a bank, look on its website for an application for connecting acquiring and a list of required documents. We fill everything out and send it to the bank. Bank employees will check the documents and also look at the website to make sure that acquiring can be connected to it. If everything is ok, you will be notified of a positive decision and given instructions for setting up.

All payments that go through acquiring will come directly to your current account. That is why the commission for payments is lower - there is no intermediate intermediary, as is the case with a payment aggregator.

It is worth noting that all information about the receipt of funds into the account is transmitted to the tax office.

Among the disadvantages is bureaucracy =) You need to collect and send an impressive package of documents to the bank. Accordingly, activation of the service may take a couple of weeks.

But there is a good plus: during the payment process, data is transmitted via 3D-Secure and SecureCode protocols (developed for VISA and Mastercard systems), which ensures a high level of payment security.

Payment aggregators

A payment aggregator combines several payment systems at once. He acts as an intermediary between the entrepreneur and the payment system.

The main advantage of this method is that you get many different options for accepting payments (bank cards too), but you do not need to enter into an agreement with each payment system separately. Although the commission is higher than in the previous version. The money is first credited to the aggregator’s account, and then transferred from it to your details.

There are many payment aggregators; according to the 2016 Rating of Payment Instruments, the most popular of them are Yandex.Kassa, Robokassa, RBK Money, PayU, PayAnyWay, Wallet One.

The criteria for choosing an aggregator are approximately the same: commission size, connection conditions and terms, availability of technical support.

Connecting payment acceptance to the site

So, you have decided on the method of accepting payments. Now the next question arises - how to connect it to your online store?

The setup is quite simple - almost all CMS have built-in modules for connecting payment systems. If there is no built-in module, you can download it from the payment system website.

For example, choosing Yandex.Checkout modules:

Moreover, for each CMS there are detailed instructions for connecting.

For Bitrix, setup is just a few simple steps:

Connecting the Robokassa aggregator seems more complicated - as indicated on the service description page, you will need a specialist with knowledge of Perl, PHP, ASP or ASP.NET. However, there is nothing supernatural in the configuration; there are modules designed for specific CMSs and detailed instructions for configuration.

Full list of supported CMS: http://www.robokassa.ru/ru/HowTo.aspx.

When connecting to Internet acquiring, everything is also quite simple - installing and configuring the payment module for CMS is as follows:

download the finished module;
install it in your CMS;
configure the module using access data from your acquiring account;
check functionality.

Each CMS has detailed instructions.

Examples of modules from Tinkoff Bank acquiring:

As you can see, there is nothing complicated about connecting payment acceptance to the site. The main thing is to decide on the method, and then install ready-made modules and configure them according to the instructions.

If you still experience difficulties, then write to our specialists. We will help you choose, connect, configure.

DESCRIPTION

Any website created on the Nethouse platform can easily be turned from a storefront into a full-fledged online store. To do this, just connect to accept all types of online payments through. Your clients will be able to pay for goods and services directly on the website in one of many ways, and you will receive funds to the bank account of a legal entity, individual entrepreneur or self-employed person on the next business day. .

Bank cards on the website Visa, Visa Electron, MasterCard, Maestro, MIR
Bank cards via mobile terminal
Yandex.Money
Cash (terminals, ATMs and communication shops: Svyaznoy, Euroset, Sberbank...)
Sberbank: payment by SMS or Sberbank Online
Alfa-Click
Internet banking of Promsvyazbank PSB-Retail
Sberbank Business Online (by bank transfer through Sberbank)
Pay in installments (on credit or in installments)
Tinkoff

The online payment option is available for orders from the product catalog made through the Shopping Cart, as well as on pages with the payment form.
The option does not apply to ordering in 1 click, ordering goods with the cart turned off, and ordering services.

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

3. Carefully read the terms and conditions for accepting payments in the “Description” tab. Go to the "Connection" tab.

5. If you are self-employed, go to and click the "Connect Cashier" button.
6. Yandex.Checkout service specialists will promptly contact you. Make a contract. After this, log in to your Yandex.Checkout account.

7. Click the "Give access to Yandex.Checkout" button.
8. On the Payment Methods tab, enable the required payment methods.

9. Done! Your website has enabled online payment acceptance. On average, the process takes only 3 business days.
10. Icons of accepted payment methods will be displayed on your website in the “Accept for payment” block.

11. After saving the entered data in place of the “Connect” button, you will see the payment connection status in the upper right corner - “On”. If you need to temporarily disable payment acceptance, just set the switch to the “Off” position. The switch will also be set to the "Off" position if you uncheck all the selected payment methods.

12. If you want to activate deferred payment (funds are debited from the client’s card after your confirmation), follow.
13. If you want to connect payment on credit or in installments (“pay in installments”), follow.

14., bring your store’s turnover to 50,000 rubles/month and use the “Business” tariff completely free of charge.

Sberbank. Mobile applications.

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

There is no commission charged when paying.

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

Payment is made on the Elexnet Wallet website.
To make a payment, enter the Onlime subscriber’s personal account number and click on the “Pay” button, after which a page with a ready-made payment form will open.
Enter your Elexnet Wallet number, the amount to top up and your payment password.

Enrollment funds are produced in the mode online.

WebMoney

To make a payment you must:

Make sure that the WebMoney Keeper wallet management application is running;
Go to Account replenishment service ;
Enter your personal account number and top-up amount;
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 enrollments
Commission 1.8%

RuRu.ru

The 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 website, or use SMS requests for payment if you are on the road. You can install the “RURU payment world” mobile application on your iPhone or Android phone.
You can pay for services for your family and friends, even if you currently live in different cities.
Enrollments online.

IntellectMoney

IntellectMoney is a convenient and safe way to top up your personal account balance for all OnLime subscribers. Account replenishment occurs in real time on the payment system website. 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 enrollments.

To access Citibank Online, you do not need to install special software; the system works through a regular Internet browser.

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

On-line enrollments.
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;
on the wap site wap.w1.ru;
from a computer running Windows Vista using "W1 Vista Gadget".

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

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

Internet bank "Alfa-Click"

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

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