Today, the business is so integrated into the online environment that processes that previously could have taken place exclusively in a “natural” form have now begun to be conducted over the Internet. For example, payment for goods or services. Instead of withdrawing cash and taking it to the store, we can always pay by card or electronic wallet without leaving home. Convenient, isn't it?
The owner of the resource, offering some services for a fee, must know how to accept payments on the site without additional difficulties. In this article we will consider this issue.
Difficulties with accepting payment
Let's start by identifying the general concept 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 the notification of receipt of funds and the program on the side of the resource, which will receive such an notification and provide access to closed sections, data, materials, etc.
In turn, getting a tool such as communication with a payment server is not easy, because it is about the security 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 a technical level is necessary.
Secondly, the security of the payment system also depends on the counterparty accepting the payment. If we say that the site owner can collect money from his visitors, it is necessary that he submit the described content in return. Otherwise, the payment system may become a tool for scammers. Therefore, there are a number of restrictions that are designed primarily to protect the buyer.
Fraud and scammers in the network
In addition, if we are talking about how to accept payments on the site, it is important not to forget about protecting the payment system itself from so-called false payments, including “fraud”. This term comes from the English language (fraud) and means a false action. For example, in order to prevent payment from hacked cards or similar actions simulating a purchase, after which the bank or payment system will be forced to compensate for the transferred money at its own expense, there are various “antifraud” mechanisms. Because of them, the procedure for accepting payments on the site is complicated, and the webmaster is required to do more to get started.
The balance between comfort and safety
However, in the interests of any business entity is to increase the volume of working capital and the number of customers. Banks and payment systems are no exception. Therefore, companies operating in this field make various concessions in order to allow more Internet services to receive money from their customers. What is required for this in each specific case will be discussed in the article.
Bank cards
Probably the most popular payment method online is the usual bank cards used by all of us, which are serviced in Visa and Mastercard systems . They can pay not only for the next lunch at your favorite restaurant or for the purchase of tickets, but also for online shopping without any additional difficulties. For this, buyers love them.
For site owners, this tool is also a favorite method of calculation. Just setting up accepting payments on the site through these systems is quite difficult. The resource on which the store operates must meet a number of criteria. In particular, it is the need to officially open a bank account, obtain 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 of connecting the possibility of credit card payment quite complicated, especially for a small business. And, 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 work with the bank directly to maintain your site only if you work in a white manner.
At the same time, many are wondering about how to accept payments on the site without IP. The situation can 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 figures, 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 directly 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 site of the system. It shows the advantages of accepting money with Yandex and some conditions. In particular, individuals (in the presence of IP status) or legal entities can connect the service after completing a single contract or providing identifying documents. The money that will come from buyers is credited the next business day. For each transaction, the system collects a commission (from 3 to 5 percent on average, depending on turnover and tariff). Another plus of this option is that through Yandex you can connect payment using bank cards, and through Ya.Money, Webmoney, mobile operators and so on. Thus, working with one company, the store owner can get a real aggregator of payments, which will allow you to pay in different currencies. Another such method of making payments on the site is useful because Yandex offers its customers various bonuses: the ability to receive statistics, Internet 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, are quite effective. Therefore, you can pay special attention to this service.
Qiwi
A fairly 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 must be an individual entrepreneur or have the status of a legal entity, provide your website and product information 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 scripts of the store, and modules designed to connect to the project. They will help you, they will tell you about everything and tell you. The tariff for which you will be served is discussed individually, depending on the type of content or products offered by you.
Webmoney
Another popular payment system that I would like to mention is WebMoney. Legally, it is not such - therefore, in order to accept payments in this “currency”, opening a bank account or having an IP (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 seller’s certificate. It is issued on the basis of a personal certificate, which can be obtained after confirming your data in the office of the WebMoney registrar and paying a fee (about $ 30-50, depending on where you live).
The advantage of working with WM is that the procedure for accepting funds here is really simpler, minus - in the absence of the ability to receive money from cards in other currencies.
Other payment systems
In addition to the described payment methods (cards, “poison” and “VM”), there are many other payment systems. For example, PayPal is the most popular payment acceptance service in the world. With it, you can receive funds both from cards and in the system currency, depending on the user's preferences. The advantage of the system is the ability to work with foreign counterparties.
There is, for example, the PerfectMoney system. Semi-legal projects work with her, 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 confirmations or formalities.
The advantage of working with such currencies (payment systems) is that access to their reception 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 payment methods. That is, in other words, it’s 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, will help increase sales. The so-called aggregators do best with this function. These are services that combine different ways of receiving payments together. Due to their intermediation, you will not need to register separately in each of the electronic systems with which you want to collaborate.
An example of an aggregator can be Yandex.Money, where, as mentioned above, it is proposed to work with different directions of payment. There are 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 environment and, of course, in the tariffs. It should be noted that the main advantage of these systems is the convenience and 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 of which service should be used then, if many of them perform similar functions. Or is it perhaps best to work directly with a bank or payment system?
Let's just say: 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 illegally make money selling any 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 system”. This is perhaps the best answer to the question "how to accept payment on the site." Advice can be given only at 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, systems for “acceptance” carry out the following policy: official companies and individual entrepreneurs pay less than those who choose “gray” methods of work. But, in turn, connection to receiving payments in cases of “gray” methods is simpler. The choice is yours!