To date, most buyers have appreciated the advantage of online shopping, and prefer this particular method of purchasing goods. The savvy shopper knows that such a “shopping” experience is beneficial both in terms of a wide range of products and significant savings in money and time. It is no secret to anyone that prices in online stores are much lower than their offline counterparts. And if you add up all the time spent looking 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 safety 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 make “shopping” on the Internet. This is the Sberbank Online service. The simplicity and convenience of the system is such that it will not be difficult for each registered person 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 Internet purchase through Sberbank Online? After all, there is a traditional type of payment by entering bank card details? In fact, most payments are bounced just because the user has an entry-level card with limited options. Most customers prefer them because of the low cost of service. These are Visa Electron and MasterCard Maestro plastics, issued in student, social, pension, youth and salary formats. The buyer has 2 options: to issue a more expensive classic or premium card and enjoy all its advantages, or to get by with plastic with limited capabilities, using the Internet payment system.

To take full advantage 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: to issue a card and connect the "Mobile Bank" to it. It is best to register a connection to the Internet service and Mobile Banking at the same time when receiving plastic. This procedure takes place at the bank with 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 plastic into the terminal;
• select the "Internet service" option;
• click on "Print ID and Password";
• the received check will contain the necessary information.

The card can be connected to the personal account service using the terminal

The username and password can be provided by phone by the Bank's support service. It is worth reporting the number of the plastic, the details of your passport 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 Internet purchase through Sberbank Online

The first steps towards paying for the order through the Bank's Personal Account

The instructions for paying for purchases and services at 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;
• select the section "Payments and transfers" in the main menu;
• select "Transfers" from the list, and then click on "Transfers to organizations";
• you will need to fill in the field for the details of the recipient (online store) - indicate the current account, TIN and BIK (these data can be obtained from the receipt sent to your email address after confirming the order, or request bank details in the online store);
• then you need to select a card for debiting funds if the user has several of them;
• for security reasons, an incomplete number of the withdrawal card will appear on the screen and the balance of money on it will be indicated;
• click "Continue";
• carefully fill in the column "Beneficiary's name" - the slightest mistake will lead to the fact that the beneficiary's banking institution will reject 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 a one-time password from an ATM;
• confirm payment;
• the confirmation of the completion of the transaction is "Executed".

You should take the utmost care when entering the recipient's details.

To confirm the completed payment for the selected product or service, the recipient should be sent an electronic version of the check with a blue stamp "Done".

DESCRIPTION

Any site created on the Nethouse platform can be easily turned from a showcase into a full-fledged online store. To do this, it is enough to connect the acceptance of all types of online payments through. Your customers will be able to pay for goods and services directly on the site in one of many ways, and you will receive funds to the current account of a legal entity, individual entrepreneur or self-employed on the next business day. ...

• Bank cards on the website Visa, Visa Electron, MasterCard, Maestro, MIR
• Bank cards through a mobile terminal
• Yandex money
• Cash (terminals, ATMs and communication stores: Svyaznoy, Euroset, Sberbank ...)
• Sberbank: payment by SMS or Sberbank Online
• Alpha click
• Internet Bank 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 catalog of goods made through the Cart, as well as on the pages with the payment form.
The option does not apply to ordering in 1 click, ordering goods with the basket turned off and ordering services.

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

3. Carefully read the 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. Sign a contract. After that, log in to your Yandex.Checkout account.

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

9. Done! Online payment acceptance is enabled on your website. 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 accepting payments, 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 by installments ("pay in installments"), follow.

14., increase the turnover of the store to 50,000 rubles / month and use the "Business" tariff completely free of charge.

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 the cash register with the issuance of the corresponding check to the buyer. It is not difficult to organize for self-pickup of 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 have a portable cash register with an autonomous power supply. There is a sufficient range of such equipment on the market, but, of course, its purchase requires additional costs.

Many online stores take a simpler route by installing one cash register in the office. The scheme is simple - the courier prints 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 trading rules 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, since it is not spelled out in the current administrative code. However, it is unambiguous that such "improvement" does not meet with understanding from the regulatory authorities 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 place orders without going to a bank to apply 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 Internet acquiring agreement with the bank. Within its framework, the bank will open a current account, where funds will go from buyers who 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. Every day, a cash flow statement will be sent to e-mail, on the basis of which you can record the fact of payment for the goods and organize delivery. But it should be remembered that when paying by bank cards, as well as in cash, the use of cash registers is required.

Payment by electronic money

Electronic money - Webmoney, Yandex.Money, Mail-Money, PayCash, etc. refers to the form of non-cash payments and does not require the use of cash register equipment. With this method of payment, 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 in his electronic wallet. You can replenish them by depositing cash or by wire transfer. Naturally, in order to make a purchase in your online store, rarely will anyone specifically open an electronic wallet, 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 to mark thematic articles on the site.

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

If the buyer has canceled the order

We are talking about the above semi-legal option, when a check is printed in the office and delivered by courier along with the goods. If the goods delivered by you do not suit the buyer, and the receipt 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 of an act in the form of KM-3 at the end of the working day. Recall that this red tape can be avoided by equipping the courier with a portable cash register, which will issue a check after the buyer evaluates, accepts and pays for the goods. This allows not only to reduce the risk of return, but also to avoid problems with regulatory authorities.

Today, business is so integrated into processes that previously could be carried out exclusively in a “natural” form, at the moment they began to be carried out on 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 offering some services for a certain fee should know how to accept payments on the site without additional difficulties. In this article, we will look at this issue.

Difficulty accepting payment

Let's start by defining a 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 notification of the receipt of funds and the program on the resource side, which will receive such notification and provide access to private sections, data, materials, and more.

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 one or another 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 site owner can collect money from his visitors, it is necessary that in return he submit 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 scammers on the network

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 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 payments from hacked cards or similar actions that imitate a purchase, after which the bank or payment system will have to compensate for the transferred money at its own expense, there are various “anti-fraud” mechanisms. Because of them, the procedure for how to accept payments on the site becomes more complicated, and the webmaster is required to do more to get started.

Balance between comfort and safety

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

Bank cards

Probably, the most popular online are bank cards that are familiar to all of us and are served in systems.They can pay not only for the next dinner at your favorite restaurant or purchase tickets, but also count in online shops without additional difficulties. For this, buyers love them so much.

For site owners, this tool is also a favorite calculation method. It's quite difficult to set up accepting 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 to receive permission to receive funds from the site directly to it, open (if necessary) a collateral deposit in this bank, provide information about the goods and services that you intend to sell, and so on. All this together makes the procedure for connecting a credit card payment option quite difficult, especially for a small business. And, working directly with the bank, you should understand 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 for servicing your website only if you work in a “white” manner.

At the same time, many are wondering how to accept payments on the site without an individual entrepreneur. The situation can be different, for example, if a 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 talk about 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 website in Yandex.Money directly, then there is a special page on the official website of the system. There are indicated 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 to the service after a single contract is drawn up or identification documents are provided. The money that will come from buyers is credited on the next business day. The system collects a commission for each transaction (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 that will allow them to pay in different currencies. Another useful method of accepting payments on the site is that 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 the reviews say, they 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 mobile account Megafon, Beeline, MTS, as well as from branded terminals (of which there are more than 100 thousand in the country).

It is quite simple to connect to the service - 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 connect to the project. They will help you, they will tell and prompt you about everything. The rate at 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 note is WebMoney. Legally, it is not such - therefore, in order to accept payments in this "currency", the opening of a bank account or the presence of 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 acceptance, of course, is carried out 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 the place of residence).

The advantage of working with WM is that the procedure for accepting funds is really simpler here, the disadvantage is the inability to receive money from cards in other currencies.

Other payment systems

In addition to the described payment methods (cards, "YAD" and "VM"), there are many other payment systems. For example, PayPal is the world's most popular payment acceptance service. With its help, you can receive funds both from cards and in 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 verify 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 instruments. The downside is 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 a more comfortable service environment for customers and, as a result, will help increase sales. So-called aggregators do the best with this function. These are services that combine different methods of accepting payments together. Due to their intermediation, you will not need to separately register in each of the electronic systems with which you want to cooperate.

An example of an aggregator is Yandex.Money, where, as mentioned above, it is proposed to work with different payment directions. There is also Robokassa, OnPay, LiqPay, PaysTo and a host of others. The difference between them is in the tools that these services share with the webmaster, in working conditions and, of course, in 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 as to which service should then work through, if many of them perform similar functions. Or maybe it is best to cooperate directly with a bank or payment system?

Let's just say: it all depends on your status and the amount of revenue you plan to receive. If you are a private webmaster who wants to illegally make money on the sale of 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 a bank or a “payment service”. This is perhaps the best answer to the question “how to accept payments on the site”. Advice can only be given on the choice of a specific service, where lower payments are provided.

Working with or without individual entrepreneurs?

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

From the author: Hello, friends! According to statistics, about 10% of visitors to an online store are eliminated even at the stage of paying for a purchase, because they simply cannot understand how to pay for a product or service, or the payment form 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 a payment to an online store to an individual. Our current task is to organize the process of transferring money from site users wishing to purchase goods to your bank card. Moreover, everything should work in automatic mode.

If you are creating an online store for the first time, then we recommend that you first familiarize yourself with the creation of effective commercial sites. If you have a ready-to-sell online platform, you can immediately proceed to consider the question of how to organize payment in the online store.

The 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 completes the purchase and receives an invoice. Next, he chooses a suitable payment system and enters the necessary data to make a payment.

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

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

Choosing a payment system

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

Robobox

The connection takes place in a few simple steps: register on the website, enter the data of the online store, set up the payment form on your website. The specifics of working with Robokassa also require special moderation. The system requires the following characteristic details on your website:

contact information with representatives of the store.

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

W1

Connection is carried out in the same way: registration, indication of personal data, setting parameters for your own needs. Commission - from 3%.

Qiwi wallet

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

Qiwi commission is 1% from 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 is impossible.

Therefore, connecting Yandex.Money will have to wait until the store picks up the proper speed. If the availability of this payment method is of fundamental importance to you, then give preference to Robokassa as the main payment system of your online store. It is the only external platform that supports Yandex.Money.

WebMoney

It will take a little more time to organize automatic payment acceptance in the WebMoney system. First of all, it is necessary to register a personal passport. This may take about a week, because WebMoney requires a notarized statement to be sent via Russian mail.

After that, add the online store to the catalog of sites 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 through the standard way, only the money is not withdrawn). This advantage allows you to catch errors in your code in advance.

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

What is the value of connecting online payment?

However, owners of physical goods will also greatly benefit from connecting the payment system to an online store. The latter will save a lot of time from forwarding the account number to customers and unnecessary expectations while people reset the required amount. In turn, payment systems will allow buyers 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.

How to be legal entities?

To connect online payment to an online store for a legal entity, you need to perform almost the same steps. Consider only 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 have received a detailed answer on how to choose a payment system for an online store and connect it properly. The procedure is simple, the main thing is to carefully fill in the data during registration, otherwise you will then spend a lot of time correcting them in the support.

If you have a desire to learn more about the functionality of your online store, we recommend that you take note of several useful online courses from.