Types of instant payments on the Internet. The most famous Internet payment systems

IN general case Any system for receiving funds works like this:

a request is received from an Internet resource with the payment amount (most often by redirecting to the payment instrument website);
the buyer enters his data and the system makes the payment;
cash are transferred to the seller's accounts within a few days, minus the service commission.

To start accepting payments on the website, you need to select a payment acceptance system, enter into an agreement and carry out technical integration. It is important for an entrepreneur to understand how different means of accepting payments work, as well as what influences their choice.

What do you need to know?

Commission

Of course, the services of payment acceptance systems are not free for the business owner. Usually a fixed % of the amount of each transaction is charged, on average 3%. However, depending on the type of your business, monthly turnover and the connected method, this rate may vary. For example, high-risk categories can activate card payment on the site for at least 5-6% and not with all payment partners, while a standard online store will most likely receive a rate of 3%.

It is also important to understand the restrictions on turnover: most large payment acceptance systems have special conditions for sites with a turnover of >1 million rubles/month. And vice versa, you will not be able to connect to a large acquiring partner if only 50 thousand rubles pass through your website per month.

Most often, a commission is charged to the online service, but some payment acceptance systems for online stores offer to set up the removal of a commission from the buyer. Those. the payment amount for you in the website catalog does not change in fact, and the buyer pays a little more.

Sometimes there are payment systems with subscription fee, without % from each transaction. If purchases are not made on your website every day, we recommend that you avoid such solutions as they are absolutely not beneficial for you. Similar to a paid connection: often newcomers to retail move from partner to partner during the first time the site is up and running. Of course, you don't want to lose the amount you spent at the start.

Connection

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

A) Directly - you enter into an agreement with each payment system separately. This will often give you access to the best commission rates, but will take more time if you need several different options.

B) Through an aggregator - you can conclude one agreement, carry out one technical integration and start accepting payments on the site in several ways at once. Unfortunately, the commission rate in this case will be 0.5-1.5% higher than with a direct connection, but you will save time, as well as resources - payment integrators often have much better customer support, especially for small businesses.

Technical integration

Integration does not in any way increase the cost of servicing the payment acceptance system; commission is charged only for payments. However, the integration option affects the convenience and conversion of the payment process on your website.

The most simple options There will be a connection via redirection to the payment partner’s website. With this option selected, your technical specialists will not have to configure virtually anything - you can start accepting payments on the site in a few minutes! Note that for the user this is the most inconvenient and distrustful option, which will not have a very positive effect on the conversion to a successful payment.

However, if your site is implemented on one of the popular CMSs, pay attention to systems or aggregators that have special modules. This way you will open up more opportunities for yourself. fine tuning(customization) of the payment process on your website.

And finally, if you have a staff of programmers and your site is written from scratch, it makes sense to connect via the payment system API. This option will require more time to connect, but in the future it will allow you to maximize conversion due to closer integration into your website: embedding a payment form into your page, entering part of the data to complete an operation in your interface, no redirects and other options.

What payment systems are on the market?

So, let's look at the main types of tools:

Internet acquiring

Accepting payments from bank cards. The most popular and convenient way to accept payments on the site. Direct connection to banks is almost impossible for small businesses. Therefore, we recommend using the services of aggregators or processing centers (essentially a separate category of aggregators specializing specifically in card transactions).

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

Internet wallets

The most numerous class of payment systems. The user creates a “wallet” (account) in the system, indicates personal data and gains access to payment for goods, services, and physical transfers. persons. If such a payment method is connected to the site, then upon payment the payer is sent an invoice to the system for payment. During the payment process, online wallets may request additional confirmation of the transaction, similar to 3DSecure in acquiring transactions. For online wallets, there are legal restrictions on the amount of payment (Federal Law 115): no more than 15,000 rubles. for payers who have not completed the identification procedure.

The most popular online wallets in Russia: Yandex.Wallet, WebMoney, QiwiWallet, WalletOne, EasyPay. The most famous international electronic currency is Bitcoin.

Payment terminals

A very expensive payment method: commission rates can exceed 10%! However, in remote settlements it is often possible to pay for a purchase online only through an offline terminal. The most important parameter of a terminal network is coverage geography.

Please note that refunds for this payment method require a lot of effort and your customers will have to wait about a week for a refund. In addition, for terminal payments there is also a limit on the amount of a one-time payment: 15,000 rubles. However, there are cases when connecting such a payment system to a website can significantly expand business opportunities.

Postal services

An additional way to expand the geography of purchases is to connect Russian Post or delivery services. Payment for the purchase occurs upon receipt of the order. It is more reasonable to implement this method of making a payment through an aggregator: there may be restrictions on turnover and the API is quite complex in terms of implementation.

Internet banking

The payment method is very similar to online wallets in terms of the payment process, but has a peculiarity: the invoice is issued not to the wallet, but to the payer’s bank account.

Many payers prefer this payment method because they do not need to enter card details, which is not always secure. Unfortunately, direct connection is often not available to small stores due to restrictions on monthly turnover, similar to connecting to Internet acquiring.

Payment from mobile phone balance

For small amounts of payments, paying from your phone balance is very convenient. This payment method is especially often used in gaming services. There are several payment options.

There are a number of providers mobile payments who act as intermediaries between the operator cellular communication and the seller of the service. Each provider has its own system of tariffs and settings for each operator and region. When connecting through an aggregator, several payment gateways become available to the store, depending on the needs of the business. For all types of payments from a mobile phone, there are limits on one-time payments, usually in the range of 1-5000 rubles.

Cash

Even taking into account the statistics of an increase in the turnover of card transactions in recent years, some still prefer to pay for goods and services in cash. Such services are often provided by communication shops, for example Svyaznoy and Euroset.

Lending

A new payment method on the market for the site: purchasing goods on credit with confirmation of the loan from the bank online. The store integrates with the bank providing the service or an aggregator. During the purchase process, the client provides all the data required by the bank and receives preliminary approval for the loan. The contract is concluded within a few days without the participation of the store. After the loan is successfully issued, the bank notifies the store via API, and the client receives his order.

So, we have looked at the basic concepts of accepting payments via the Internet. We recommend connecting only 2-3 popular payment systems, which will allow you to accept payments through the site from the largest possible part of your audience. Unfortunately, novice business owners often make the same mistake: they spend a lot of time connecting all possible options, when they could only set up accepting payments from bank cards and start making a profit at the very beginning of the Internet service.

Good afternoon dear friends. After analyzing the information that you can see on our website, we came to the conclusion that one extremely important aspect of successful financial activity in international markets had previously remained beyond our attention.

We are talking about such things as electronic payment systems on which traders store funds and to which they withdraw profits received from trading. Which system is most convenient to use? Where are the safety and reliability indicators the highest, and where are the fees acceptable? Let's figure it out.

So, before moving on to specific services and systems, I propose to give them general characteristics and say a few words about the mechanism of their work.

Thus, the extremely simplified process of operation of the electronic payment system fits into the following algorithm:

Client, i.e. you, me and another 90% of Internet users transfer a certain amount of money in real currency to the account of the issuer (payment system), receiving for this virtual currency in an amount equivalent to the transfer amount. The act of exchanging real currency for virtual fixes the debt obligations of the issuer to the client.
The client funds his trading or investment account with virtual currency. personal account trading broker (you can find a list of their best representatives on our website). Thus receiving “real money”, which can be increased by conducting speculative or investment operations on Forex and the stock market.
The broker returns the electronic currency to its issuer, receiving real money for it.

In the end, everyone wins. Clients receive a fast and safe way to replenish their deposit, the broker receives a new client, and the payment system receives its own commission, which is paid by both the client and the broker (more on them a little later).

I think there is no need to name the advantages of electronic currencies, such as simplicity and ease of use, high speed of payment transactions, unlimited service life, etc. Everyone already knows them, it’s better to pay attention to the criteria that should be followed when choosing a payment system, so as not to get lost in the sea of offers and choose a truly reliable option.

Selection criteria for payment systems

I will briefly list them, without detailed description, because it's obvious.

Year founded and length of service. Naturally, the larger it is, the higher the level of trust.
Types of contracts, i.e. connectivity options for individuals and legal entities, residents and non-residents of the country where the company is registered. Pay special attention to the latter; companies do not always offer the same conditions to citizens of different countries.
Tariffs, limits and commissions for transfers.
Security (link to phone number, email address, full name, etc.).
Reviews online.

In principle, nothing complicated. Usually all this information is available on the company’s official website and registration agreement. And reviews are easy to find online.

Technological development in the payments industry places a strong emphasis on innovation, convenience, and improved process efficiency. And small businesses (online stores), and large companies, conducting brokerage activities, are faced with the need to accept payments. It is important to get a reliable partner who will ensure effective competition in the current conditions of the e-commerce market.

Neteller

Recently, Skrill is not inferior in popularity. Operating in more than 200 countries for 10 years now.

It differs from the previous one in a slightly smaller number of currencies (23) and much higher fees for transfers to other payment systems, for example, to transfer money from Neteller to Qiwi you will have to pay about 8% of the amount. There are also commissions within the system, but they are small and set at tenths of a percent.

Among the advantages it is worth noting:

the opportunity to receive VIP status immediately upon registration;
Net+ MasterCard card is available for all CIS countries and allows you to withdraw money from all ATMs in the world;
increased limits on transfers and withdrawals;
high security.

As for cooperation with brokers, we can say that almost all companies accept payments from Neteller, with minimal (and sometimes non-existent) commissions.

The security of the system is also at a decent level; all payments require confirmation. But verification is absolutely necessary, without it it will not be possible to work normally.

PayPal

Probably the most famous payment system in the world, which has, on this moment more than 200 million active accounts. It operates all over the world, but is most popular in the USA. But in Russia, for some reason, it is not as popular as the previous two.

Accounts can be opened in 25 currencies, and there is nothing to say about the security level of PayPal, the highest indicators, the account is almost impossible to hack. Transfer fees are low.

But, due to the relatively low popularity of this system in post-Soviet countries, sometimes a problem arises that is the opposite of what happened with Qiwi and WebMoney, when foreign brokers accept payments in PayPal, but domestic ones do not. And this happens quite often. Even, which seems to have everything, introduced PayPal payments relatively recently, and charged such commissions that it is simply unprofitable to use it.

Results

In general, to summarize, we can say that all payment systems mentioned in this article are reliable and safe. The conditions for working with them are also, in general, similar, with the exception of the issue of limits and a 1-2% error in transfer fees. Well, decide which option to choose by consulting with representatives of your trading broker, or by looking at the list of systems supported by it on the official website. That's all for now, see you next time.

Best regards, Nikita Mikhailov

At the moment, progress has come a long way. Payments have long been made not only in cash, but also by card, as well as online through electronic payment systems. The list of these services is regularly updated.

Currently, online investments and payments have developed, which cannot do without electronic money. During its inception (early 90s), it became clear that traditional financial products were not suitable for electronic payments. This is how current online payment systems appeared. The list and features of each of them are presented below.

Principle of operation

Such systems function in different ways. Basically, the founders of such services create their own electronic currency. They have an original name, since using “money” in the name is illegal. However, it is important to understand that beautiful terms indicate the absence of any financial guarantees and deposit insurance.

Everything is on the conscience of the founders, who value their reputation. Essentially where members register and transactions take place. Each investor has a personal account in which the amount of money in his account is recorded.

Some services even have their own exchange offices for issuing cash.

Advantages and disadvantages

Electronic payment systems have a considerable list of advantages.

Instant transactions (transfer of funds, payment for online purchases, conversion).
Low commissions (due to high competition).
Anonymity (a big plus for those who work semi-legally).
Funds can be transferred to any bank accounts.
Greater security (than with cash payments).
Very convenient for remote employees to receive salaries.
Possibility to pay for housing and communal services, telephone, Internet.

Payment systems also have a list of shortcomings.

The main drawback is that the accounts are not completely legal.
Not all purchases can be paid for using electronic money.
The service of converting funds into cash is expensive.
Due to the lack of legal control, you can often encounter scammers (on free hosting, such sites are created in 5 minutes, so you should check the service for authenticity).

To check the authenticity of the EPS, it is enough to find out whether large financial institutions cooperate with this service (Sberbank of Russia, Alfa-Bank).

List of payment systems in Russia

Main services operating in the Russian Federation:

"Yandex. Money" is one of the most popular in Russia. You can use it to make many payments. In particular, payment paid games and other Internet services, utilities, telephone, shopping in online stores. It can also be used to make money transfers.
Arsenal Pay is a payment system for the Primorsky Territory of the country. This is another one reliable service to transfer funds and make payments. The service does not charge hidden fees.
MIR (NSPK) is a Russian payment system founded by the Central Bank. The system guarantees security and no interruptions in operation when conducting various financial transactions in Russia.

There are also other Russian and international payment systems, a list of which is presented below:

WebMoney is the most popular international service. A separate guarantor works with different currencies. Users have a unique WMID number to use their personal account.
PayPal is another global system. Its peculiarity: all calculations are made in real money.
QIWI (QIWI) is the world leader among instant payment systems.

When launching their online project or store, owners are faced with the problem of organizing the acceptance of non-cash payments for their goods and services. The reliability of the store and its reputation in the market will depend on the stability of this area of business.

To choose the most convenient payment system for your business, it is important to understand its essence and features.

An electronic payment system is a service that allows you to make various payments between counterparties online.

The general scheme of the payment system looks like this:

The buyer selects and orders a product/service on the online store website. An order is being formed with assignment of a unique number.
The order data is transferred to the payment system service, and the client is redirected to the payment system website.
On such a site, the buyer selects a bank card or online wallet for payment. Enter card or wallet details.
The payment system service checks the correctness of the data and carries out the payment transaction, which is ensured high level security.
In case of successful payment or its impossibility, the buyer returns to the store’s website. The online store server receives information about the payment just made.

That is, the following parties take part in the specified payment scheme:

buyer;
online store (seller);
bank (provides a guarantee of the formality of the transaction);
processing organization (is a technological intermediary between all participants in the operation).

How to open your online store from scratch? Step-by-step instruction contained

Exists 5 main types of electronic payment systems for online stores:

payment systems VISA and MasterCard;
electronic wallet systems - Qiwi, WebMoney, Yandex-Money and others;
Services mobile commerce(BeeLine, Megafon, MTS);
payment intermediaries with the accumulation of funds - PayPal and MoneyBookers;
payment "aggregators" that allow merchants to accept electronic payments from buyers via bank cards, electronic payment systems, from mobile phone accounts and through payment terminals.

All of them can be quite easily integrated into the website of any online store and allow you to make payments without leaving your computer.

When choosing an electronic payment system, you need to pay special attention to the following:

duration of work in the market and stability of payment acceptance;
tariff schedule with flexible commission and no hidden fees;
developed and timely customer support service;
the optimal number of acquiring banks, the ability to choose the optimal one;
possibility of system testing;
clear interface for buyers and sellers;
availability of the necessary certification and certificates;
alternative offline methods (for example, mobile terminals for couriers).

Let's consider the most common electronic payment systems for online stores, their characteristics and terms of use.

Payment systems for online stores: ranking of the best

What is WebMoney and how to use it?

One of the most popular payment systems in Russia. The total number of users of this system exceeds 30 million. Its main advantage is the international level, the ability to work not only in Russia, as well as support for various currencies.

The system works with nine units of account (title units):

WMR – ruble equivalent;
WMZ – dollar equivalent;
WME – euro;
WMG – gold;
WMB – Belarusian ruble;
WMY – Uzbek sum;
WMU – Ukrainian hryvnia;
WMC, WMD – dollar when making credit transactions.

All transactions made in the WebMoney system are instant and irrevocable. The commission amount is 0.8% of the payment amount. There is no commission between wallets of the same type. To get started, you need to get a unique user number (login) - 12-digit WMID code.

To do this, the user can install any WMKeeper program for various operating systems. There are also mobile versions. By following simple instructions, the client can easily launch the program and be able to use his wallet.

WebMoney also has system of certificates based on the received personal data about the user.

When making transfers, the system offers to use the projection function using a special code or time. This protects the user from possible fraud or errors.

You can replenish your wallet through bank transfers, scratch cards, payment terminals and machines, postal transfers, WebMoney exchange offices. The commission size ranges from 0-5% of the amount.

Withdrawal of funds is carried out to a bank card, account or by bank transfer for cash receipt.

What is Robokassa and how to use it?

Robokassa only allows you to accept funds from customers, that is, the system is intended for businesses and entrepreneurs. The service has integrated many electronic payment systems in order to unify and simplify payment transactions for online stores.

Customers can pay for goods and services using a bank card, WebMoney, Yandex-Money, QIWI wallets, and even from a mobile phone account. A commission is charged from the seller of goods or service providers, the amount of which varies between 2-5%. The buyer does not pay any commission.

Advantages of Robokassa:

no subscription fee is charged;
fast and simple registration procedure;
the system works with legal entities and individuals;
high level of technical support.

Payment systems for online stores PerfectMoney

The terms of this payment system are aimed at large business partners rather than at the medium-sized business sector. Wallets are created in dollars, euros and gold equivalent.

Main advantages of the system:

one of the lowest commissions (0.5%);
Interest is charged on the balance (about 7% per annum);
A referral program is offered.

You can withdraw or deposit money by bank transfer. The commission for withdrawal of funds for an account with Normal status is 3%+50$, for Premium – 2%+50$, for Partner – 1%+50$.

Having studied all aspects, pros and cons of the designated electronic payment systems, the owner of the online store being created will be able to make a decision and choose the most convenient and profitable one.

You can learn how to choose and correctly connect a payment system on the site in the following video tutorial:

The process of investing and making money on the Internet includes depositing money and withdrawing the profits. help make this process quick and safe.

In simple words, this is a system of payments on the Internet between physical or legal entities, when performing various operations - purchases in an online store, transfers between users, payment for services, etc. Such transactions are carried out non-cash and are a replacement for the usual cash.

Anyone can register in the electronic payment system. The procedure includes filling registration form and is completely free. After this, you will be provided with an account in fiat currencies USD, RUB, EUR, UAH, etc. If necessary, go through account verification. This will increase the limits and quantity of deposit and withdrawal methods.

You can purchase or exchange electronic money through reliable exchangers: , 60cek, Xchange.

There are many different ones to work in Belarus, Ukraine and Russia. Recently, Advcash and Payeer have become popular. Full list electronic payment systems are presented at the end of the article.

To choose the appropriate method for depositing and withdrawing funds, you need to set some conditions for yourself:

Does EPS provide services in your region? Usually, on home page There is a list of countries served or you can read it in the agreement.
Where is it registered and who carries out financial supervision? Many companies open offshore to reduce various financial costs and operating conditions (Panama, Belize and others). There are electronic payment systems operating under the control of financial regulators with strict conditions.
The methods for depositing and withdrawing funds should be those that you can use. Usually this bank cards or transfers, as well as other methods - transfer from another EPS, through terminals, electronic exchangers, cashing out through your cards, etc.
Transaction commissions.
Does it issue debit and virtual cards?
Availability negative reviews in the Internet.
The functionality of the service, in which currencies you can open a wallet, the ability to configure various security settings, and more. For business - connecting payment acceptance through the website, the possibility of mass payments to clients.
Is verification required and what are the transaction limits?

This is the main thing you need to pay attention to when choosing an electronic payment system on the Internet.

Rules for working with payment systems

To start using EPS, first of all you need to register and confirm your email. Before doing this, I recommend that you familiarize yourself with some rules that it is advisable to follow - they will save your money in the future:

First of all - safe email. It is better to register a new email and not use it for other purposes. I recommend creating Mailbox on the service from Google - Gmail. Enable two-factor authentication in your security settings and your email will be reliably protected. I do not recommend working with mailboxes on the mail.ru website and similar ones.
The password must be strong and complex: include service characters, upper and lowercase characters, and numbers. It is convenient to use password generators. They can indicate required parameters and password length. It is better to store them in special programs or write it to a flash drive intended only for these purposes. I recommend the KeePass program - it is both a password generator and a place to store them.
Be sure to update antivirus programs on your computer and scan it for viruses. Antiviruses are not very expensive, but they will bring great benefits.
Do not tell anyone your login and password. On behalf of the company, scammers may send you emails and ask to follow a suspicious link or send a username and password, supposedly to clarify personal data. If in doubt, immediately contact the electronic payment system support service.
Pay attention to the writing of the site address in the browser line. This is necessary to avoid ending up on a phishing site that is designed to deceive you and collect account information. Sometimes the difference in spelling is just one character. I recommend not clicking on advertising links; very often search engines miss such phishing sites and many people fall for the trick of scammers. Add the official payment website to your bookmarks and you won’t have this problem.
On email install Extra options security. You can enable two-factor authentication 2FA in Yandex Mail or Gmail. Be sure to link your email to your mobile phone - this will help restore access to your email inbox.
In the security settings in your personal account of the electronic payment system, enable notification by email or via SMS to mobile phone O financial transactions. If someone tries to withdraw money, you will immediately know about it. See what other methods you can connect to protect against hacking: login using a certificate, password card, Google app Authenticator, receiving codes via SMS and others.
When making an exchange, do not use the first exchanger you come across. I recommend using proven electronic money exchangers for these purposes: , 60cek, Xchange, X-pay, Baksman.
When transferring money to another person, set protection by code or time, if possible.

These simple rules, which will help save your money from scammers.

List of electronic payment systems

List of popular electronic payment systems in Belarus, Ukraine, Russia with links to detailed reviews and descriptions:

. Registered in the UK, under the control of the Financial Conduct Authority. Issues cards in both dollars and euros. Just recently I started accepting Russian rubles into my account.
. Popular payment system. Registration - Belize also issues MasterCard in dollars and euros, which can be used to pay and withdraw cash at our ATMs.
. FCA regulation. Manufactures plastic MasterCard cards costing $13.
Licensed by the Central Bank of Russia. You can order a plastic QiwiVisaCard.
. Supervision of the Central Bank of the Russian Federation. Issues, with a service price of 199 Russian rubles.
. Registered in Panama, suitable for those who do not want to pay taxes.
. Financial supervision FCA, country of registration - Great Britain. Cards are only for VIP clients and EU residents.
. License of the National Bank of Georgia. Issues cards costing $9.55, issued, like most, by the West Crest holding.
. Famous service for the provision of services - payment in online stores, money transfers.

As you can see, you can choose the appropriate and best payment system from the list to suit any requirements and capabilities. I advise you to compare them with each other, since, for example, the cost of producing cards is lower, but the transaction fee is higher.

What electronic payment systems do you use?

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