There are many aspiring entrepreneurs who are going to launch an online store. How to do it correctly without breaking the law? Let's figure it out in this article.

In general, there are two ways to organize online payments: to organize direct payment acceptance through the acquiring bank and, that is, through an intermediary.

Which method is more profitable? It depends on the size of your business. For a fairly large company with decent turnover, the first option will be much more profitable: the costs of connecting to the payment system will pay off relatively quickly. For small firms just starting a business, it is recommended to pay attention to the second option. The payment aggregator allows you to connect several types of payment at once, which can be beneficial in order to attract customers. In this case, the aggregator's commission will be cheaper than the payment for using the payment system.

How to directly connect internet acquiring

To accept money on your website using plastic cards, you first need to make a choice of the bank with which you will work. This is not an easy task. What is recommended to pay attention to?

• Commission. Banks establish a certain amount of commission, usually a certain percentage of each payment made. Find out the conditions of the bank in advance. Note that the optimal commission size is up to 3%.
• Does the bank charge a connection fee? Many banks do not charge additional fees for this operation.
• Does the bank have its own processing center? If there is, then the cost of the services of such a bank will be less in comparison with other offers.
• Payments from which cards can be accepted. Acceptance of the most common cards - VISA and MasterCard - must be configured without fail.
• Does the bank require collateral in the form of a deposit. If there is no such requirement, then you do not need to always have an inviolable amount on the account.
• Does the bank have technical support. Technical support should be even better if it is around the clock. So you will protect yourself from unforeseen situations, as you can always resolve the issue that has arisen.

Evaluate the banks for all the listed parameters and choose the best option. Then you need to submit an application for connection and a package of documents to the selected bank. The composition of the documents provided is determined by the bank. The bank also checks your site: whether it meets the technical requirements or not. If all the requirements are met, then you can set up the integration with the bank system.

When using this option, all customer payments will be sent to your current bank account. It should be noted that Internet acquiring as a procedure is completely transparent for tax authorities.

What to do with an e-wallet

There are many nuances with accepting payments to e-wallets.

First, a separate law "On the National Payment System" is devoted to this area. According to this regulation, if you want to use a wallet for business purposes, it must be corporate. This means that to create it, you must specify the details of your company, and then link it to your current account: you can replenish the wallet or withdraw funds from it only to this linked account.

Secondly, in order to start such a wallet, you need to sign an agreement with the chosen payment system. It must comply with the provisions of the law and apply to credit institutions. The most famous of these systems are Yandex.Money, Paypal, some also use QIWI. Webmoney is also very popular, but it does not fall under the aforementioned law, therefore it can offer an agency scheme of work. The nuance is that in this case you will not have to register in the system itself, that is, if you violate the law on your part, you will not.

Third, the chosen payment system will also check your site. The main requirements are:

• first / second level domain;
• hosting the site on a paid server (a free server will cause a refusal);
• the relevance of the contacts indicated on the site.

You can conclude an agreement and set up accepting payments only if you receive a positive opinion after verification.

Finally, there are restrictions on the acceptance of electronic money. Payments can only be made by individuals, individual entrepreneurs and organizations cannot make settlements among themselves with electronic money - this is prohibited by law. The limit on the balance of money on a corporate wallet is set at 600 thousand rubles, all funds in excess of the limit will be transferred to the current account without your order.

Thus, it is prohibited to use a personal wallet in business. This is considered a violation. If small turnovers in the amount of 10-30 thousand rubles can go unnoticed, then it is impossible to use it in a business with high turnovers.

How to work with a payment aggregator

The payment aggregator allows you to use several payment methods at once, for this it is not necessary to sign an agreement with each payment system. The aggregator, within the framework of a single agreement, will set up the desired payment acceptance option for you, acting as an intermediary between the entrepreneur and the service provider.

The main advantage of the agreement with the aggregator is that there is no need to develop your own payment page. This significantly speeds up the procedure for connecting to online payments. You don't need to track multiple wallets at once. All funds from clients will be credited to the aggregator's account, and then transferred from it to your details. For such a service, the intermediary usually charges a higher commission.

There are many popular aggregators, for example, known to everyone. You need to choose an aggregator according to approximately the same criteria as an acquiring bank: you should pay attention to the size of the commission, conditions and terms of connection, availability of technical support.

Internet sales tax

Novice Internet businessmen most often pay taxes according to the simplified tax system. By law, tax should be calculated on the amount received from the client, and not on the amount that entered your current account after deducting the commission. This is due to the fact that sales proceeds are considered as the cost of all goods and services. When calculating the tax on the simplified tax system, income is reflected on the date of payment by the client.

If you use the simplified tax system with the “income minus expenses” base, then the amount of the commission can be taken into account as part of expenses. The confirmation document of the date of receipt of income can be an e-wallet statement, a register of payments or another report that the aggregator provides you. The commission is usually taken into account on the date of the confirming document, since it is debited immediately when making a payment and it is quite problematic to take it into account as of the same day.

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

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

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

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

Are you sure you won't have to close your business after the start? Then take another look at these statistics.

Who stayed on the market?

A year ago, there was no problem finding an aggregator that could be connected without registering a business. But then the Bank of Russia limited the work of payment services with individuals. Well-known organizations like Paymaster, Robokassa and OnPay have nothing left but to freeze their clients' accounts.

Since then, the situation has not changed for the better. Acceptance of payments as physical almost nobody else supports faces. The few who are still interested in working with private traders have seriously tightened the requirements. But still, several services offer to connect their services without registering a business:

• Robokassa.
• Interkassa.
• Wallet One.
• Webmoney Merchant.

What does each of them offer?

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

Robokassa

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

However, let's take a look at what Robokassa is currently offering its customers.

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

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

Interkassa

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

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

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

No passport data is needed at any stage.

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

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

What are the other disadvantages of Interkassa:

• Inconvenient and uninformative interface. On the main page, except for a couple of slides with banal information, there is nothing else. The commission is visible only after connecting the desired payment method. At first you get confused in cash and wallet modes. The archive of accepted payments cannot be sorted and deleted in any way - there are still fifty test payments made last year on the account.
• From time to time, for some unknown reason, they turn off the reception and withdrawal of funds in one or two directions. After a while, they reconnect. True, they always warn about this.
• Bad reputation. It is enough to search for "Interkassa reviews" on request to find many examples of negative experience with the system, both as a payer and as a store. They mainly complain about lost payments, blocked accounts, long withdrawals and slow work of those. support. For the sake of objectivity, I will say that I myself have actually come across only the sluggishness of the support. However, the sums were insignificant. Recently, it has been noticeable that they are trying to fix their reputation, they are actively working with clients in social media. networks, try to respond to claims that have arisen.
• Weak site moderation. This seems like a plus until you begin to understand that not only a "white" service can go through it, but also a fraudulent one. I would not want customers to have suspicions of fraud with one type of Interkassa payment form.

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

Wallet one

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

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

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

Wallet One is interesting because it allows you to work with different currencies. Available: dollars, euros, Russian and Belarusian rubles, hryvnia, tenge, zlotys and many others. Unfortunately, sometimes the choice of the monetary standard shortens the methods of payment. For example, dollars can only be accepted from bank cards.

Wallet One offers a very large coverage of affordable payment systems. In addition to standard plastic cards, Webmoney, Yandex.Money and Qiwi, regional e-wallets such as the Belarusian EasyPay or Kazakhstan's Kassa 24 are also supported.

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

• Send the application by mail.
• Visit the office of the company. There are representative offices in all countries, the currency of which is accepted by "United Cashier".
• Visit the Contact salon or Euroset.
• Pass video identification via Skype.

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

When trying to go through video identification, in addition to a passport, for some reason they demanded to provide an additional document: a driver's license, a residence permit or a military ID. None of this list was on hand, and I didn't want to go to the office, so for now, work with Wallet One has been postponed until better times.

Webmoney Merchant

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

At first, this option is perceived rather skeptically. It is not serious to accept payments using only one type of electronic money. However, if you take a closer look at the terms of Merchant, it turns out that this system is closer to an aggregator than to a regular wallet.

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

To start working with Webmoney Merchant, you just need to have an account in the system with a certificate not lower than the initial one and apply for registration in the catalog of Megastock trading platforms. Moderation takes about a day, after which you can start accepting payments. The money earned will go to your WMR wallet, from where you can withdraw it in the usual way.

But still, the system has several drawbacks and should be borne in mind:

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

In general, Webmoney Merchant falls short of the title of a full-fledged payment gateway - there are not enough payment methods. But at the same time, it is a cut above the usual reception of funds to a personal YAD or Qiwi wallet. The connection process is quite simple, but at the same time weeds out fraudulent sites.

Outcome

We chose Webmoney Merchant. The main reason is the excellent reputation of the system. I have been using WM services for more than five years now, and I have never had any complaints about the system's operation. A trusted service that cares about the safety of our customers.

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

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

The question of accepting payments arises before each owner of an online store - starting with the choice of payment methods and ending with their connection to the site.

You can accept payments on the website in different ways:

• directly through the acquiring bank (payment by credit 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, suitable methods are chosen as follows:

Option 1: The company is young, the turnover is small, you need to quickly connect to accepting payments in the most popular ways.

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

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

Here we look at the statistics, what are the most popular methods used by clients. We go to the sites 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 we leave the aggregator only for other methods (in which the differences in commission are insignificant).

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

Here you need to look towards Internet acquiring. For example, towards the bank where your company's account has already been opened. The percentage of the commission for payments will be the 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 a card payment through a bank's acquiring is perceived by users as more secure than a payment through an aggregator (which is important for large companies).

Internet acquiring connection

If you have opted for internet 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 term for crediting funds to the account, the availability of round-the-clock technical support and the types of cards from which you can pay (the minimum set is VISA and Mastercard).

When we have chosen a bank, we look on its website for an application for connecting an acquiring and a list of necessary documents. We fill in everything, 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 informed of a positive decision and given instructions on how to set it up.

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

It should be noted that all information about the receipt of funds on the account is transferred to the tax office.

Of the shortcomings - bureaucracy =) It is necessary to collect and send to the bank an impressive package of documents. Accordingly, it may take a couple of weeks to activate the service.

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

Payment aggregators

The 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 conclude 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 Rating of Payment Instruments 2016, the most popular of them are Yandex.Kassa, Robokassa, RBK Money, PayU, PayAnyWay, Wallet One.

The criteria for choosing an aggregator are about the same: the size of the commission, the conditions and terms of connection, the 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 is a detailed connection instructions.

For Bitrix, setting up 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 setting up, there are modules developed for specific CMS and detailed instructions for setting up.

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

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

1. download a ready-made module;
2. install it in your CMS;
3. configure the module using the data for access from the acquiring personal account;
4. check the functionality.

Each CMS has detailed instructions.

Examples of modules from Tinkoff bank acquiring:

As you can see, there is nothing difficult in connecting the payment acceptance to the site. The main thing is to decide on the method, and then - the installation of ready-made modules and setting up according to the instructions.

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

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 an order in 1 click, to order a product with the basket turned off and to order a service.

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. Specialists of the Yandex.Kassa service 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 "Off" if you uncheck all the selected payment methods.

12. If you want to enable 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 store turnover up to 50,000 rubles / month and use the "Business" tariff completely free of charge.

Hello everyone. Today I will tell you about accepting payments on the site. I decided to write this article because I know that today many people have something to sell on the Internet. Some valuable information in the form of paid consultations, knowledge, goods, various services for money, some information products, trainings, webinars, etc.

For starters, the most important thing. If you now go further on the Internet to look for information on how to set up a payment acceptance on the site, connect payment systems and all that, then you will break your leg and at the same time your head, because everything is written for alien beings in an incomprehensible language.

To make it easier for you, my team and I have developed for you a special script for accepting payment on the site, and at the same time organizing your own affiliate program and support service - ORDERBRO.

Thanks to this script, you will configure yourself on the site payment acceptance literally in 2-3 hours , Even if you complete zero and not issued as an individual entrepreneur .

You will be able to accept webmoney, Yandex money, plastic cards, bank and postal transfers, QIWI, payment terminals, SMS payments and many other types of payments.

And attention! You will not pay anybody any% of sales and make monthly subscription fees to services, some of which charge 10-15 thousand per month for use.

Today this script is # 1 on the market, and hundreds of people who sell something on the network have already convinced themselves of this.

You can find out more about the script on the selling page. We also provide a service - installing a script on your website on a turnkey basis and setting it up.

I myself use this script to promote my courses, trainings, etc. And this script has already brought me more than 15,000,000 rubles in net profit for 5 years.

To attract a buyer and offer him to buy, what you want to sell is not a problem, posted information on the product being sold on your website or blog, advertised in Yandex, google adwords or bodyclick and people themselves will come to you, but how to accept payment is already another conversation.

Here you need to do everything very clearly, so that it is convenient and safe for the buyer to pay for anything on your website and so that you do not have problems with processing orders and withdrawing money into your own hands!

I know that many people think so - it is very difficult to accept payment on the site, you need to understand something, set up something, conclude contracts, agreements, etc. In short, hemorrhoids in one word. I used to think so too. This is not at all so dear friends, everything is done much easier than you think, you just need to understand a little in this process and the job is done! It always seems complicated the first time!

This article is just written in order to give you basic knowledge of organizing payment acceptance on a website or blog. So that you know what methods of accepting payments on the site exist, what electronic currencies are mainly used on the Internet, how to take money from a person on the Internet and how to withdraw it from the Internet to your bank account, paying taxes for each ruble you earn!

So! Let me give you an example. Let's say I decided to sell one of my own on the Internet and make money on it. What do I need for this?

1. Site for the sale of an information product (you can)
2. The system for accepting payments on the site (an intermediary between you and the buyer).

The site is clear. Now it will not be difficult for any person to make it, even a complete loser. Educational video courses and literature on the Internet in bulk. I learned to make websites from scratch in 2 days. There is a desire, everything will be!

Okay, I made a website, posted information on the product for sale on it, now we need to make sure that the person who visits my site sees the button “Pay”, “Order”, “Buy”, “Place an order”, etc. If he decides to buy my product, he clicks on the button and proceeds to pay for the goods using the methods available in the system.

What payment methods on the site are mainly used when buying digital or physical goods, services, etc.

1. Payment using plastic cards Visa, Master Card, Maestro, etc.
2. Payment by e-money Webmoney, Yandex Money, Rupay, LiqPay, etc. (there are a bunch of them).
3. Payment by cash on delivery.
4. Payment by money order.
5. Payment by manual transfer through the same electronic payment systems.
6. Cash payment to the courier.
7. Payment via SMS (SMS).

These are the most basic methods of accepting payments.

So! What needs to be done so that a person can pay for something on my website in any way? It's simple. I need to connect (connect my site) to some reliable payment service on the Internet. To date, there are a lot of them divorced, I don't want to choose. Here are the most famous, proven and reliable ones.

In principle, the operation scheme for all these services is almost the same. Register an account, connect a store, set it up (nothing complicated) and you are given some code that needs to be placed on your site in order for a payment button to appear in its place, or a payment form, etc.

Of course, you will need to dig deeper into the code or set up methods of accepting payment, etc., well, in principle, there is nothing complicated there, there is an instruction in each payment order.

For example, I decided to use the services of the RBK Money system and I want to accept payments on the site using this payment system, selling one of my video courses. What am I doing?

I go and register an account where I will have my personal cash account. After that, I connect the store by going to the appropriate section of the RBK Money website and fill in all the necessary data (see figure)

Note that this system does not accept applications for connecting a store from ordinary individuals, at least you must be registered as an individual entrepreneur and have an OGRN. Don't worry, not everyone is so strict. You can do without an IP in most cases.

After the store is connected, I need to copy the HTML code that RBK Money will give me and paste it in the right place on my site. Here's an example:

In place of the HTML code I inserted, the following form for choosing a payment method and a "buy" button will be displayed. The person will put a check mark on the payment method they need and convenient for him, click “buy” and he will be transferred to the payment page for the product.

This page will already be automatically made and framed by the RBK Money service . He will deal with everything else himself and with security and with the receipt of payment and its crediting to my account in RBK Money. I don't need to do anything else, or program, configure, send notifications, etc.

All I have to do is send the product to the buyer and say thank you for purchasing. =) How the delivery of the product to the buyer is carried out is another topic, by the way, in my video course "How to create an information product and make money on it" I told everything in detail.

If you have noticed, RBK Money accepts payment in several ways at once. In general, everything is simple. If you have any questions about accepting payments using RBK Money , then there is a support service where you will always be promptly answered.

Let's take a couple more examples. Here is the Sprypay payment acceptance system (it does not require an individual entrepreneur to connect) is also not very bad. By the way, I use it as needed. The scheme is the same. Go to the Sprypay website, register there and you will have your personal account, the currency you choose is RUR or USD.

Connect the store, set it up and you are again given some code that you need to place on your website or blog. By the way, sprupes have more ways of accepting money from a customer.

Another example. Robokassa payment acceptance system (does not require an individual entrepreneur to connect). Again, everything is the same. You go to the site, register, connect the store and you are given a code. Here is one example of a payment acceptance form at Robokassa:

Not a bad system for accepting payments - z-payment (does not require an individual entrepreneur to connect). It has been working for a long time and the reviews about it are not bad.

Here is a screenshot of interkassa's work:

In general, I think the scheme of how to accept money from people on your site is clear. You set up your store in some payment system, place the code on the site and the payment button is displayed on it. By clicking on it, a person chooses in what way it is better for him to pay for the purchase (by card, webmoney, Yandex money, etc., by mail) and pays for it.

You receive money to your account in the payment system and send the order to the buyer. It's that simple!

Study all these payment systems, choose the one that suits you best and use it. Different systems have different commission fees, different ways of withdrawing money, etc. When connecting to any payment system, think about everything in advance and find out so that later there will be no problems.

Some payment systems do not accept Webmoney and Yandex Money, and if they do, then only after you are carefully checked for a personal passport, merchant passport, and everything else. If you want to enable people to pay for goods on your website with these electronic currencies separately, without connecting to payment systems, then there is nothing particularly complicated here either.

I wrote about manual acceptance of webmoney here - "", in order to receive webmoney in automatic mode, you need to resolve this issue with the webmoney system itself. Get a certificate, draw up an agreement, set up payment acceptance, etc., and only then you can accept payments on the website.

The situation is the same with Yandex Money. In order to connect an online store to the Yandex.Money payment system, you need:

- Send a request for connection from the system website.
- Conclude an agreement with PS Yandex.Money LLC.
- Carry out technical connection to the payment system.

In general, find out. If I decide someday to accept payments on the webmoney site and Yandex money separately, then I will write a whole post about this and tell all my steps in detail.

Affiliate program - what is it? Here's an example. Let's say you sell some kind of training video course (DVD) and ask for 1000r. You can link an affiliate program to video course sales. Like recommend this video course on the Internet and get, say, 400 rubles from each sale according to your recommendation.

Any script for accepting payment, and the same OrderBro will generate affiliate links for each program participant, control the number of attracted partners, buyers, earnings of money by partners, etc. In general, a cool thing is undoubtedly!

OrderBro today it is one of the most popular in the organization of receiving payments on the site, as it simplifies several times and automates the work of sellers. Not any hemorrhoids, everything is clear and understandable, a complete report on orders, types of orders, methods of payment and other things.

See who paid what and deliver the goods to the buyer. Go to the site and read all about this script in detail.

So. Now about the withdrawal of money from payment systems. Almost all payment systems can transfer the money you earned to other payment systems, webmoney, Yandex money, etc., but why do you need money to walk through payment systems? You want to get your hands on them, right? Right!

To do this, you will need to register as an individual entrepreneur and open a current account with a bank, and this is where payment systems will transfer money to you after you conclude a money transfer agreement with them and they will check you. No one will transfer money to individuals.

You have to pay taxes! =) I wrote a whole article about this - "". Well, if your income is not large, then you can not open an individual entrepreneur at the initial stage, on the Internet you can pay for purchases (domain, hosting, advertising, etc.)

So, well, that seems to be all on this! The article turned out, in my opinion, not bad, it will be very useful for beginners to read and get basic knowledge on this topic. Now you also know how to organize acceptance of payments on the site.

There are more and more services for accepting payments on the site every day. The world does not stand still, every day more and more people make purchases via the Internet, pay for some services, etc. Today, almost everything can be paid via the Internet. Phone, traffic fines, taxes, utilities, etc.

You can sell absolutely anything over the Internet, even information! Use this opportunity!

ATTENTION!!! If you want to learn how to accept payments on the site from A to Z, then I advise this course of mine:

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Best regards, Alexander Borisov