How to accept payments on the site: simple ways

Today, business is so integrated into the online environment that such processes, which previously could only be done in "natural" form, are now being conducted on the Internet. For example, payment for goods or services. Instead of withdrawing cash and bringing them to the store, we can always pay with a card or an electronic wallet without leaving home. Convenient, is not it?

The owner of a resource offering some services for a fee, should know how to accept payments on the site without additional difficulties. In this article we will consider this issue.

Difficulty with payment acceptance

Let's start with a general idea of why it's so hard to accept payments through the site. First, it is due to a number of technical nuances. The task of the payment system is to establish the relationship between the server responsible for the notification of receipt of funds and the program on the resource side that will accept such notification and provide access to the closed sections, data, materials and so on.

In turn, it is not easy to get such a tool as communication with the payment server, because it is about the security of the operation of a particular electronic payment system or even a bank. In order for everything to function as it should, proper implementation of the payment system at the technical level is necessary.

Secondly, the security of the payment system depends on the counterparty who accepts the payment. If we say that the site owner can collect money from his visitors, it is necessary that in return he represents the described content. Otherwise, the payment system can become a tool for scammers. Therefore, there are a number of restrictions that are designed to protect the buyer first.

"Frod" and scammers in the network

In addition, if we are talking about how to accept payments on the site, it is important not to forget about 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 payment from hacked cards or similar actions simulating a purchase, after which the bank or payment system will have to compensate the transferred money at their own expense, there are various "anti-fraud" -mechanisms. Because of them, the procedure of how to accept payments on the site is complicated, and from the webmaster you need to take more to get started.

Balance between comfort and safety

At the same time, it is in the interest 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 are making various concessions in order to allow more Internet services to receive money from their customers. About what is required for this in each specific case, we will tell in the article.

Bank cards

Perhaps the most popular way of paying online are all the usual bank cards that are served in Visa and Mastercard systems . They can pay not only a regular dinner in their favorite restaurant or purchase tickets, but also count in online shops without additional difficulties. For this they are so loved by buyers.

For site owners, this tool is also a favorite method of calculation. Only set up receiving payments on the site through these systems is quite difficult. Resource, which operates the store, must meet a number of criteria. In particular, it is necessary to officially open a bank account, get permission to receive funds from the site directly to him, open (if necessary) a security deposit in this bank, provide information about the goods and services that you are going to sell, and so on. All this in aggregate makes the procedure of connecting the possibility of payment by credit card quite difficult, especially for a small business. And, working directly with the bank, it should be understood that the information on the receipt of money on your account will be available to the tax service. Cooperate with the bank directly to maintain your site is meaningful only if you work "in white."

At the same time, many are wondering how to accept payments on a site without an IP. The situation can be different, for example, if the webmaster decided to start a small individual business for the sale of one type of product. Of course, in such a situation it is better to work through an intermediary company. We discuss 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 by cards, many of your visitors could theoretically settle in this currency, and the funds would go straight to your wallet.

If you are interested in how to accept payments on the site in Yandex.Money directly, then there is a special page on the official website of the system. There are indicated the advantages of taking money with "Yandex" and some conditions. In particular, the service can be connected by physical (if there is an IP status) or by legal entities after the execution of a single contract or the provision of identification documents. Money that will come from customers is credited on the next business day. For each transaction, the system collects a commission (from 3 to 5 percent on average, depends on turnover and tariff). Another advantage of this option is that you can connect via Yandex through bank cards, and through Yandex, Webmoney, mobile operators and so on. Thus, working with one company, the store owner can get a real payment aggregator, which will allow you to pay in different currencies. Another such payment method on the site is useful because Yandex offers its clients various bonuses: the ability to obtain statistics, Internet banking, send payments directly to a bank account and so on. And in general, here it is quite clearly described how to accept payments on the site. Simple methods in "Yandex", but, as noted by the reviews, quite effective. Therefore, this service can pay special attention.

Qiwi

Quite 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, plastic bank cards, MegaFon, Beeline, MTS mobile accounts, as well as from branded terminals (over 100,000 in the country).

It is quite easy to connect to the service - you must be an IP or have the status of a legal entity, provide your site and information about products that must comply with the requirements of the law. If all these moments are settled, the managers of the company will acquaint you with the technical solutions that the payment system has. In particular, it's like ready-made scripts of the store, and modules designed to connect to the project. They will help you, tell you everything and prompt you. 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 mention is "WebMoney". Legally it is not such - therefore, in order to accept payments in this "currency", opening a bank account or having an IP (legal entity) is not required. However, a participant in the system who wants to know how to accept payments on the site (receiving payments, of course, is carried out in the title signs WM), must have a so-called seller's certificate. It is issued on the basis of a personal certificate, which can be obtained after confirmation of their data in the office of the Registrar "Webmani" and payment of a fee (about 30-50 dollars depending on the place of residence).

Plus, working with WM is that the procedure for accepting funds is really simpler here, minus - in the absence of the ability to receive money from cards in other currencies.

Other payment systems

In addition to the described methods of calculation (card, "YaD" and "VM"), there are a lot of other payment systems. For example, the same PayPal is the most popular payment service in the world. With its help, you can receive funds from both cards and intrasystem currency - depending on the user's preferences. The advantage of the system is the ability to work with foreign counterparties.

There is, for example, the PerfectMoney system. Semi-legal projects work with it, for example, financial pyramids and investment HYIP-sites, designed for several days of work and further closing. In order to accept this currency on the site, you do not even need to verify your identity.

There is the same EgoPay, where also no confirmation or formalities are required.

Plus, working with such currencies (payment systems) is that access to their reception is really simplified compared to traditional tools. Minus - in a small number of users and high commissions.

Aggregators

Since each online store is designed for a fairly wide audience (most of them), it is in the interest 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 for how to accept payments on the site in different ways, rather than any one. This will create more comfortable terms of service for customers and, as a result, help increase sales. Best of all, this function is handled by so-called aggregators. These are services that combine different ways of accepting payments together. Due to their mediation, you will not need to register separately in each of the electronic systems with which you want to cooperate.

An example of the aggregator may be "Yandex.Money", where, as already mentioned above, it is proposed to work with different areas of payment. Still there is Robokassa, OnPay, LiqPay, PaysTo and a lot of others. The difference between them is in the tools with which these services are shared 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 the ability to combine different currencies. By cons, you can include a 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 be operated, if many of them perform similar functions. Or, perhaps, it is best to cooperate directly with a bank or a payment system?

Let's just say: everything depends on your status and the amount of revenue that you plan to receive. If you are a private webmaster who wants to earn money illegally on the sale of a certain product, it is best to work through intermediaries. If you represent a "white" legal entity, it is best to formalize your relationship directly with the bank or "payment". This is perhaps the best answer to the question "how to accept payment on the site." Councils can be given only at the choice of a particular service, where lower payments are provided.

Working with IP or without?

Finally, it is important to remember: if you are looking for how to accept payments on a site, systems for "acceptance" have the following policy: official companies and IPs pay less than those who choose "gray" methods of work. But, in turn, the connection to receiving payments in cases of "gray" methodologies is more simple. The choice is yours!