How to set up payment acceptance. How to organize payment for purchases in an online store

Today, most buyers appreciate the advantage of online shopping and prefer this method of purchasing goods. An experienced buyer knows that such “shopping” is beneficial both in terms of an extensive selection of products and significant savings in money and time. It’s no secret that prices in online stores are much lower than those of their offline counterparts. And if you add up all the time spent searching 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 security 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 do “shopping” on the Internet. We are talking about the Sberbank Online service. The simplicity and convenience of the system is such that it will not be difficult for anyone registered 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 online purchase through Sberbank Online? After all, there is a traditional type of payment by entering bank card details? In fact, most payments are declined simply because the user has an entry-level card that has limited features. Most clients prefer them because of the low cost of service. These are Visa Electron and MasterCard Maestro cards, produced in student, social, pension, youth and salary formats. The buyer has 2 options: get a more expensive classic or premium card and enjoy all its advantages, or get by with plastic with limited capabilities, using the online payment system.

To take advantage of all the benefits 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: issue a card and connect Mobile Bank to it. It is best to register for a connection to the Internet service and Mobile Bank at the same time when receiving the plastic card. This procedure takes place at the bank if you have 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 the plastic into the terminal;
• select the “Internet service” option;
• Click on “Print ID and Password”;
• The receipt you receive will contain the necessary information.

Your login and password can be provided by the bank's support service over the phone. It is worth providing the plastic number, your passport details 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 online purchase through Sberbank Online

Instructions for paying for purchases and services in Sberbank Online are as follows:

• login to the service via home page official website of the banking institution;
• log in using your username and password;
• in the main menu, select the “Payments and transfers” section;
• select “Transfers” from the list, and then click on “Transfers to organizations”;
• you will need to fill in the field for the recipient's (online store) details - indicate the current account, INN and BIC (this data can be obtained from the receipt sent to your email address after confirming the order, or request bank details in the online store);
• Next, you need to select a card for debiting funds, if the user has several of them;
• For security reasons, an incomplete number of the debit card will appear on the screen and the remaining money on it will be indicated;
• click “Continue”;
• carefully fill out the “Recipient’s name” column - the slightest mistake will lead to the recipient’s banking institution rejecting 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 using a one-time password from an ATM;
• confirm payment;
• confirmation of transaction completion is “Executed”.

To confirm the completed payment for the selected product or service, you should send the recipient an electronic version of the check with a blue “Done” stamp.

How to implement accepting payments on the site? Which payment systems for online stores exist and how to persuade the buyer to prepay. Today we will talk about this.

There are many ways to pay for an order in an online store, today we will talk about the most basic and frequently used methods organizing payment acceptance in an online store.

Payment by credit card in an online store, perhaps the fastest and most convenient for most online stores, but on the other hand, it can be the one with the most problems. In Russia, according to statistics, more and more people own bank cards and, you must agree, paying with them is very convenient! But then why are so few orders paid using a bank card?

The reason lies in the distrust of most buyers in the online store and in bank cards. Most people prefer to call the store before ordering to check availability (even if the website says that the product is in stock), and only then order the goods, choosing to pay in cash or cash on delivery. In the future, we will definitely tell you how to persuade a buyer to pay by card.

1.
Fast, since most banks transfer the money received from the client immediately to your current account. Thus, the process of receiving money from the client is minimal in time.

2. Safety.
It’s lame, because the number of scammers is still very large. And there are often cases when the goods are paid for, shipped to the “buyer,” and then the money has to be returned to the card of the real buyer, since that order was placed by a fraudster. But with due effort on your part and on the part of the bank, the frequency of such cases is minimal.

3.
Everything here is purely individual, since it largely depends on the buyer’s trust in the online store. The buyer is more likely to pay by card if he has already purchased from you and was satisfied with everything, or if your online store has a fairly large reputation. As we have already noted, we will talk about this in more detail in the future.

4.
This question entirely depends on the programmers who work with you. The method of technical connection depends on the bank, but often the differences between banks are minimal. An experienced programmer can easily set up communication with the bank.

A small list of acquiring banks. Payment processing fees are shown in parentheses.
Assist.ru (3-5%)
Master Bank (from 2%) (collapsed)
Raiffeisen (depending on product)

2. Bank transfer to the online store.

Bank transfer is primarily used in the case of payment by an individual to an individual or legal entity's bank account. I can't say that it's very popular view payment, since it is very time-consuming for the buyer. You need to walk to the bank, fill out receipts and wait 2-4 days for the money to reach the seller.

Also, this method is often used by regional online stores located outside of Moscow or St. Petersburg.

1. Speed ​​of receiving “real” money.
About 2-4 days after buyer pays. The money goes directly to your bank account.

2. Safety.
One of the highest, since the payment is usually accepted by the bank operator and sent directly to your current account.

3. Demand by buyers.
One of the lowest, since the complexity of this type of payment for the buyer is quite high. You need to go to the bank, fill out a receipt (or show the operator an invoice from the online store) and pay. However, more and more users are using online banking, which allows them to make payments without leaving home. But filling out payment details in the client bank also takes a lot of time and can lead to errors.

4. Easy to use and connect to the online store.
There is no need to connect anything in case of manual preparation of invoices for payment. If you automate this process, then there are a lot of ready-made solutions.

3. Electronic money.

Yandex.Money and WebMoney how payment service have long been firmly established in the everyday life of experienced Internet users. Using them it is convenient to pay for the Internet, cellular communication and other electronic goods. And replenishing the account of these systems is now practically no difficulty.

Nothing prevents you from receiving payments to the wallets of these systems as an individual, but it is much better and more efficient to connect full-fledged wallets to the online store that are linked specifically to the online store (Seller’s certificates). True, there are certain conditions on the part of payment systems. Basic requirements:
– Full second-level domain Not on free hosting;
– The online store must be filled with content (products, information about delivery and payment, current contacts, etc.);

Compliance with these conditions will allow you to easily and officially connect to the electronic money acceptance system.

1. Speed ​​of receiving “real” money.
Instant.

2. Safety.
Payment by electronic money today is at a fairly safe level. But keeping an eye out for scammers never hurts.

3. Demand by buyers.
High. Primarily because of the ease of use for customers, fast and simple payment. Electronic money is increasingly being used for payment.

4. Easy to use and connect to the online store.

Almost every Russian even has a module in which you only need to enter technical information and you will immediately be connected to the payment system. If there is no module, then the connection is very simple and you can easily find a contractor.

4. Payment terminals.

Given payment method in the online store, which is only gaining strength and is not yet as popular as electronic money. The most popular and widespread network of terminals in Russia is QIWI. This company easily connects online stores, enters into contracts with both individuals and legal entities, and the interest for withdrawing funds from their e-wallet is not that high.

Depending on who you are, an individual or a legal entity, a tariff is selected and the process of connecting the online store to the payment system begins. If you individual, then the commission for accepting payments is 1%. For withdrawal of funds, you will be charged from 0% (to the bank account of an individual of a certain bank) to 2.5% for withdrawal through payment systems (Contact, Unistream, etc.). If you legal entity, then the commission for accepting payments in an online store depends on your turnover and type of product. The transfer of received funds to your current account is free of charge.

1. Speed ​​of receiving “real” money.
From instant to 1-2 days

2. Safety.
The security system is at a high level. But, as we already said, double-check your payments.

3. Demand by buyers.
Growing. Terminals are becoming more and more widespread not only in large cities, but also in towns and villages.

4. Easy to use and connect to the online store.

The most simple circuit simply means copying the code from the Qiwi website and pasting it into your place, and this does not require programming skills.

5. Cash on delivery.

This payment method is closely related to postal shipments to regions of Russia or to those places where the online store is unable to accept money by courier.

In the future, we will tell you how to reduce cash on delivery payments and increase the frequency of prepayments when sending by Russian Post.

1. Speed ​​of receiving “real” money.
From a week to 2-3 months. “Loss” of parcels and money is possible.

2. Safety.
Unfortunately, postal workers sometimes make mistakes and your money may not always reach you, so tracking and control of parcels sent and money received for them is mandatory.

3. Demand by buyers.
Very tall. The main reason is the lack of other types of delivery in the regions. What remains is Russian Post. Not everyone makes an advance payment, so they choose cash on delivery. That's why it's in such demand.

4. Easy to use and connect to the online store.

The biggest difficulty is packaging goods according to the rules of the Russian Post + tedious filling out the paperwork for sending a parcel with cash on delivery. True, there are ways to automate all this. We will definitely tell you about this.

It should be taken into account that upon receipt of the parcel and payment for it, the buyer additionally pays approximately 6-10% of the purchase amount as payment for the transfer of funds to the seller. You can view the tariffs for this.

How much will it cost to send a parcel with cash on delivery to the location you need?
under an agency agreement, you do not need to issue checks. And if you work with your own couriers or customers buy from your office, then you will need a cash register.

1. Speed ​​of receiving “real” money.
If you work with your own couriers, you usually receive cash on the day of the sale. In the case of working with third-party courier services, everything depends on the terms of the contract. On average, you receive money for orders from a week to 3 weeks.

2. Safety.
High if you do not consider cases of theft on the part of your couriers or errors on the part of third-party courier services.

3. Demand by buyers.
The highest. They want to receive the goods as usual “today”, and only the courier will help us with this.

4. Easy to use and connect to the online store.

The easiest way of all.

7. Conclusion.

Organizing the acceptance of payments in an online store is only a complex matter at first glance. In fact, almost everything is already automated and self made not much. Let's compare various systems payments according to their characteristics.

Speed ​​of receiving real money
1. Electronic money;
2. Bank card;
3. Payment terminals;
4. Cash;
5. Bank transfer;
6. Cash on delivery.

Safety.
By and large, the security of all payment systems is now at a high level. We will only highlight double-checking of all electronic payments and extreme caution.

Demand by buyers.
1. Cash on delivery (due to large quantity residents throughout Russia);
2. Cash;
3. Electronic money;
4. Bank card;
5. Payment terminals;
6. Bank transfer.

Easy to connect to the online store.
1. Cash (does not require connection);
2. Cash on delivery (does not require connection);
3. Electronic money;
4. Payment terminals;
5. Bank cards;
6. Bank transfer (subject to automation).

Conclusions are at your discretion, since each online store owner pursues his own goals and it is difficult to advise everyone on one thing. In any case, if you can accept all of the above on the site payment systems for goods in an online store, it will only get better, since you will reach almost the entire Russian audience.

1. At the start, in addition to cash and cash on delivery, it will be enough for you to pay with electronic money and through terminals, since these systems are easy to connect and do not require special skills to use;
2. Optimize and automate payment-related business processes. Don’t be lazy to connect your store to payment systems so as not to waste your time on invoicing and other things;
3. Be vigilant. If the last name and first name of the owner of the plastic card are different from the recipient, you can already be wary;
4. Give the buyer a choice. It should not be limited to one or two payment methods;
5. When sending by Russian Post, persuade the buyer to prepay by offering him a discount or a gift with the order;
6. When trying to beautifully highlight the type of payment that is beneficial to you

We will be glad to hear your advice, your experience and answer all your questions.

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Today, business is so integrated into processes that previously could only be carried out in a “natural” form, on at the moment began to be carried out over the Internet. For example, payment for goods or services. Instead of withdrawing cash and taking it to the store, we can always pay using a card or without leaving home. Convenient, isn't it?

The owner of a resource that offers some services for a fee must know how to accept payments on the site without additional difficulties. In this article we will look at this issue.

Difficulties accepting payment

Let's start with 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, which is responsible for notifying about the receipt of funds, and the program on the resource side, which will receive such a notification and provide access to closed sections, data, materials, etc.

In turn, obtaining such a tool as communication with a payment server is not easy, because we are talking 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 also depends on the counterparty accepting 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 provides the described content. IN otherwise the payment system can become a tool for fraudsters. Therefore, there are a number of restrictions that are designed to protect primarily the buyer.

“Fraud” and online scammers

In addition, if we are talking about how to accept payments on the site, it is important not to forget about protecting the payment system itself from so-called false payments, including “fraud”. This term comes from 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 be forced to compensate the transferred money at its own expense, there are various “anti-fraud” mechanisms. Because of them, the procedure for accepting 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 volume 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 accept money from their customers. We will tell you in the article what is required for this in each specific case.

Bank cards

Probably the most popular online remains the bank cards we are all familiar with, serviced in systems. With them you can pay not only for another meal at your favorite restaurant or purchase of tickets, but also to pay in online shops without additional difficulties. This is why customers love them so much.

For site owners, this tool is also a favorite calculation method. It’s just quite difficult to set up accepting payments on a website 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, obtain permission to receive funds from the site directly to it, open (if necessary) a security deposit in this bank, provide information about the goods and services that you are going to sell, and so on. All this together makes the procedure for connecting payment options credit card quite complex, especially for a small business. And when working directly with the bank, you should understand that information about the money entering your account will be available to the tax service. It only makes sense to cooperate with a bank directly to service your website if you work in a “white-wash” manner.

At the same time, many are wondering how to accept payments on a website without an individual entrepreneur. The situation may 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 directly to your wallet.

If you are interested in how to accept payments on the Yandex.Money website directly, then there is a special page on the official website of the system. It lists the advantages of accepting money with Yandex and some conditions. In particular, individuals (if they have individual entrepreneur status) or legal entities can connect to the service after drawing up a single contract or providing identifying documents. Money received from buyers is credited on the next business day. For each transaction, the system collects a commission (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.Money”, Webmoney, mobile operators and so on. Thus, working with one company, a store owner can get a real payment aggregator that will allow payments in different currencies. This type of payment acceptance on the site is also 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. In general, it is quite clear here how to accept payments on the site. Simple ways from Yandex, but, as reviews note, they are quite effective. Therefore on this service you can pay special attention.

Qiwi

Qiwi is a fairly convenient service for working with online stores. This is a payment system that allows store owners to accept money in several ways: in Qiwi currency, from plastic bank cards, from a Megafon, Beeline, MTS mobile account, as well as from branded terminals (of which there are more than 100 thousand throughout the country).

Connecting to the service is quite simple - you need to be an individual entrepreneur or have the status of a legal entity, provide your website and information about products, which must comply with legal requirements. If all these points are resolved, the company’s managers will introduce you to the technical solutions that the payment system has. In particular, it's like ready-made scripts store, and modules intended for connection to the project. They will help you, tell you everything and give you advice. The rate at which you will be served is discussed individually depending on the type of content or goods you offer.

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 individual entrepreneur (legal entity) is not required. At the same time, a participant in the system who wants to know how to accept payments on the site (payment is accepted, of course, in WM title units) must have a so-called seller certificate. It is issued on the basis of a personal certificate, which can be obtained after confirming your data at the WebMoney registrar office and paying a fee (about 30-50 dollars, depending on your place of residence).

The advantage of working with WM is that the procedure for accepting funds here is really simpler, the disadvantage is that it is not possible to receive money from cards or in other currencies.

Other payment systems

In addition to the payment methods described (cards, “YAD” and “VM”), there are many other payment systems. For example, PayPal is the most popular payment acceptance service in the world. 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 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 operation and further closure. In order to accept this currency on the site, you do not even need to confirm your identity.

There is the same EgoPay, which also does not require any confirmation or formalities.

The advantage of working with such currencies (payment systems) is that access to accepting them is truly simplified compared to traditional instruments. The downside is the 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 possible ways payment. 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 more comfortable service conditions for customers and, as a result, will help increase sales. The best way to cope with this function is the so-called aggregators. These are services that unite different ways accepting payments together. Due to their mediation, you will not need to register separately in each of electronic systems, with whom you want to collaborate.

An example of an aggregator would be “Yandex.Money”, where, as mentioned above, it is proposed to work with different payment directions. There is also Robokassa, OnPay, LiqPay, PaysTo and a lot of others. The difference between them is in the tools that these services share with the webmaster, in the working conditions and, of course, in the tariffs. It should be noted that the main advantage of these systems is the convenience and ability to combine different currencies. The disadvantages include the commission for each transaction, which will be higher than when working directly.

How to make a choice?

A logical question arises about which service should you work through if many of them perform similar functions. Or perhaps it is best to cooperate directly with a bank or payment system?

Let's put it this way: it all depends on your status and the amount of revenue you plan to receive. If you are a private webmaster who wants to make money illegally by selling some product, it is best to work through intermediaries. If you imagine “white” legal entity, it is best to formalize your relationship directly with the bank or payment service. This is perhaps the best answer to the question “how to accept payments on the site.” Advice can only be given on choosing a specific service that provides lower payments.

Work with or without an individual entrepreneur?

Finally, it is important to remember: if you are looking for how to accept payments on a website, “acceptance” systems 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 is simpler. The choice is yours!

Hi all. 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.

First things first. If you now go further on the Internet to look for information on how to set up 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 creatures in an incomprehensible language.

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

Thanks to this script you will configure your website payment is received literally in 2-3 hours even if you complete zero and not registered 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 anyone any percentage of sales and make monthly subscription fees services, some of which charge 10-15 thousand per month for use.

Today, this script is No. 1 on the market, and hundreds of people who sell something online have already been convinced of this.

You can find out more about the script on the sales page. We also provide a service - installation of a turnkey script on your website and its configuration.

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 over 5 years.

Attracting a buyer and offering him to buy what you want to sell is not a problem, you posted information about the product you are selling on your website or blog, advertised in Yandex, google adwords or bodyclick and people will come to you themselves, but how to accept payment is 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 hands!

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

This article was written to give you basic knowledge on 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 with the payment of taxes for every 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 from it. What do I need for this?

1. Website for selling an information product (possible)
2. Payment acceptance system on the website (an intermediary between you and the buyer).

The site is clear. Now it won’t be too difficult for anyone, even a complete loser, to do it. There are tons of educational video courses and literature on the Internet. I learned how to make websites from scratch in 2 days. If you have a desire, everything will happen!

Okay, I made a website, placed information on the product being sold on it, now I need to make sure that a person who visits my website sees the button “Pay”, “Order”, “Buy”, “Place an order”, etc. If he decides to buy my product, he will click on the button and start paying for the product using the methods available in the system.

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

1. Payment using plastic cards Visa, Master Card, Maestro, etc.
2. Payment by electronic money Webmoney, Yandex Money, Rupay, LiqPay, etc. (there are a bunch of them).
3. Payment by cash on delivery.
4. Payment by money transfer.
5. Payment by manual transfer through the same electronic payment systems.
6. Payment in cash 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 website) to some reliable service for accepting payments on the Internet. Today there are a lot of them, I don’t want to choose. Here are the most famous, proven and reliable.

In principle, the operating scheme of all these services is almost the same. You register an account, connect the store, set it up (nothing complicated) and you are given some code that needs to be placed on your website so that a payment button, or a payment form, etc. will be displayed in its place.

Of course, you will need to tinker with the code a little or set up payment acceptance methods, etc., well, in principle, there is nothing complicated, each payment card has instructions.

For example, I decided to use the services of the RBK Money system and 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 money account. After that, I connect the store by going to the appropriate section of the RBK Money website and filling in all the necessary data (see figure)

Please note this system does not accept applications to connect a store from ordinary individuals; at a minimum, you must be registered as an individual entrepreneur and have a 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 gives me and paste it in the right place on my site. Here's an example:

In place of the HTML code I inserted, this form for selecting a payment method and a “buy” button will be displayed. The person will check the box on the payment method that is necessary and convenient for him, click “buy” and will be redirected to the payment page for the product.

This page will already be automatically created and designed by the RBK Money service . He will deal with everything else himself, both with security and with accepting payment and crediting it to my account in RBK Money. I don’t need to do anything else, I don’t need to program anything, configure anything, send notifications, etc.

All I have to do is send the product to the buyer and say thank you for the purchase. =) How the product is delivered to the buyer is another topic; by the way, in my video course “How to create an information product and make money on it,” I told you everything in detail.

If you 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 they will always answer you promptly.

Let's give a couple more examples. Here is the payment acceptance system Sprypay (does not require an individual entrepreneur to connect) is also not bad at all. 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, you choose the currency yourself RUR or USD.

You connect the store, configure it, and again they give you some code that you need to place on your website or blog. By the way, spruce shops have more ways of accepting money from the buyer.

Another example. Robokassa payment acceptance system (does not require an individual entrepreneur to connect). Everything is the same again. You go to the website, register, connect the store and they give you a code. Here is one example of a payment acceptance form in Robokassa:

Not a bad payment acceptance system - 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 how interkassa works:

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

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

Study all these payment systems, choose the one that suits you best and use it. IN different systems different commission fees, different withdrawal methods, etc. When connecting to any payment system, think about everything in advance and find out so that there are no problems later.

Some payment systems do not accept Webmoney and Yandex Money, and if they do, then only after they carefully check you for a personal certificate, a seller certificate, and everything else. If you want to give people the opportunity 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 manually accepting webmoney here - “”, in order to accept webmoney automatically, you need to resolve this issue with the webmoney system itself. Receive a certificate, draw up an agreement, set up payment acceptance, etc., and only then you will be able to accept payments on the site.

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

— Send a connection request 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 ever decide to accept payments on the website webmoney and Yandex money separately, I will write a whole post about it and tell all my steps in detail.

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

Any payment acceptance script, and the same OrderBro, will generate affiliate links for each program participant, control the number of attracted partners, buyers, partners’ earnings, etc. In general, a cool thing for sure!

OrderBro Today it is one of the most popular for organizing payment acceptance on the site, as it simplifies and automates the work of sellers several times. No hemorrhoids, everything is clear and understandable, a full report on orders, types of orders, payment methods and other things.

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

So. Now about withdrawing money from payment systems. Almost all payment systems can transfer your earned money to other payment systems, webmoney, Yandex money, etc., but why do you need money to go through payment cards? You want to get them in your hands, right? Right!

To do this, you will need to register as an individual entrepreneur and open a bank account; this is where payment systems will transfer money to you after you enter into an agreement with them for the transfer of money and they verify you. For individuals no one will transfer money.

Taxes must be paid! =) I wrote a whole article about this - “”. Well, if your income is not large, then you don’t have to open an individual entrepreneur at the initial stage; you can pay for purchases on the Internet (domain, hosting, advertising, etc.)

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

There are more and more services for accepting payments on the website 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 you can pay for almost everything via the Internet. Telephone, traffic police fines, taxes, public utilities and so on.

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

ATTENTION!!! If you want to learn how to accept payments on a website from A to Z, then I recommend this course of mine:

P.S. How do you like the article? I advise you not to miss information about new free video courses and blog competitions!

Best regards, Alexander Borisov