The material will be useful to those who start a business that involves accepting payments on a website or in a mobile application. The Main Mine service collected information about the functionality and tariffs of 10 popular online payment services in Russia. The information is collected from official websites, as well as from service representatives.
At the beginning, let's talk about basic concepts, so those who are impatient or familiar with the topic can skip directly to "Features and conditions"
- Terminology
- Sample
- Functionality and conditions
- Billing
- Ready solutions
Considered payment instruments
The most popular payment solutions in Russia have been selected:
- VISA, MasterCard, MIR bank cards are the most common and universal means of payment. All considered payment providers have the same commission for the specified systems. More exotic systems for Russia, such as UnionPay, JCB, American Express, are usually subject to a higher commission.
- Electronic money Webmoney is an indispensable means of payment if you have a freelance exchange or other service for the self-employed on the Internet.
- Electronic money VISA QIWI Wallet - if you work with an age audience and / or the most remote places in Russia, you should take a closer look at Qiwi: you can work with it through a developed network of payment terminals or an account mobile phone, you can not use the Internet at all.
- Electronic money Yandex.Money is simple, convenient, and popular.
Terminology
- Merchant - an enterprise, individual entrepreneur or individual who connects an online payment service to himself.
- A payment aggregator is an intermediary that allows you, within the framework of one agreement, to accept for payment several payment instruments working through its payment gateway. The aggregator enters into an agreement with payment systems, you enter into an agreement with the aggregator. It is also possible to conclude a tripartite agreement with the payment system. Recommended for start-up businesses - less integration hassle and paperwork. The aggregator adds its commission to the PS commission, but receives a large discount due to turnover, so direct connection at the initial stage is not always a more profitable solution.
- Payment gateway - an intermediary that provides a direct connection to the payment system, all transactions go through the intermediary gateway. You have an agreement with an intermediary, with an acquiring bank and with all the PS that you plan to accept.
- A payment integrator is an intermediary that provides a direct connection to the payment system, and all transactions go directly through the bank's system, and the payment gateway is also located on the bank's side. You have an agreement with an intermediary, with an acquiring bank and with all the PS that you plan to accept.
- Internet acquiring - a bank that provides the service of accepting cards. Direct connection to the bank is justified at high turnover. It makes sense for large businesses to connect directly several banks for card acquiring by the issuing bank in order to receive an additional discount.
- KKT - cash register equipment, in this material an online cash desk or a cloud cash desk, corresponding to 54-FZ
- OFD is a fiscal data operator that transmits information about completed sales to the Federal Tax Service
- Refund (English) - voluntary return of payment by the merchant to the buyer at the request of the latter.
- Chargeback is a transaction contested by the merchant's client, in which the issuing bank returns the payment to the client by forcibly debiting the merchant's or payment provider's account, depending on the terms of the agreement.
Sample
For review, we have selected popular services that:
- participate in various ratings,
- post rates in the public domain.
Let's briefly review below:
- type of service,
- fresh positions in the rankings,
- peculiarities,
- decisions regarding amendments to 54-FZ.
A little about the last point: according to latest changes Russian legislation Online stores are required to transfer data on completed sales to the tax service online using a cash register connected to the Internet. Is it possible to say that the payment is accepted by the online payment service? No. In this regard, the majority of merchants face the question: how to integrate the CCP and the payment intermediary. Let's see what solutions the services offer.
Internet acquiring of Freedom Finance Bank
Unlike large credit institutions, a small modern private bank can provide premium service and an individual approach to each client.
Freedom Finance Bank, a division of the investment company of the same name (one of the top 10 Nasdaq-listed brokers in Russia), offers favorable conditions for Internet acquiring, while completing the necessary documents takes a minimum of time.
To connect the Internet acquiring service, a company does not even need to have a current account with Freedom Finance Bank. No need to buy and integrate your cash register, everything comes out of the box with the necessary settings.
The Bank supports payment by cards of the most popular payment systems: Visa, MasterCard and Mir, while using its own technological platform and its own solution to prevent fraudulent transactions. The service complies with the PCI DSS security standard and also uses 3-D Secure™. When paying for purchases by the client, the money is credited to the account instantly, the same goes for returns - this way the company does not face difficulties at the end of billing periods.
One of the main advantages of the service is a simple and quick connection, the client will only need to take a few minutes to fill out an application, the bank will do the rest. Connection is completely free, and you can use the service on the day you apply. And the client can fully integrate the platform into the structure of his website. The payment page allows you to customize the design in accordance with the corporate identity of the company.
Internet acquiring management is available in the bank's mobile application. By the way, subject to the minimum trade turnover requirement, Freedom Finance Bank connects cash settlement services and Internet banking along with acquiring free of charge.
Leave a request on the bank's website and evaluate all the benefits of cooperation:
- Individual approach to your business
- Extended statistics on operations in personal account
- Instant deposits and instant refunds
- Ability to integrate with the client's CRM system, display order status
- Use of your corporate identity on the payment page
- Setting up commission debiting: from the client, from the store, combined
- High security standards: PCI DSS and 3DSecure. Protection of the client from repeated write-offs
- Accrual of interest on the balance of funds on the current account in Russian rubles in "FFIN Bank" (if there is a valid agreement for Internet acquiring)
The bank has flexible pricing for this service, depending on the category of purchased goods and the use of certain payment systems, the minimum commission is only 0.9% of the transaction amount.
FONDY is a payment system that allows you to connect a variety of payment methods to a website or mobile application, expand the ability to control payments, and improve security. Having started working with the platform, the businessman will provide customers with the opportunity to pay for orders in one of 30 currencies.
You can accept payments by bank cards, electronic systems, mobile wallets Apple Pay. Connection to the payment acceptance service is free: you can add a button for payment, use a payment module or online invoicing. Convenient analytics tools are available to monitor the financial condition.
Each user of the payment platform gets additional opportunities to expand their business:
- synchronization of payment processes with API integration to automate all stages of payment;
- freezing funds on the client’s card for up to 25 days, which the entrepreneur can write off or return in one click;
- automatic filling in details if the client applies again;
- connection of regular debiting of funds on a set date for services that work by subscription;
- protection with a proven anti-fraud system, 3D-Secure technology and SSL / TLS encryption.
To control payment transactions, regardless of location and time of day, developed mobile app. The user can study the financial condition of the company, conversions, individual transactions. As a result, the use of one platform replaces dozens of services, simplifies transaction processing, and provides access to international markets.
AllPayments (NCO Perspektiva (LLC))
Work format:
The universal payment gateway allows you to accept payments on your website under an Internet acquiring agreement. All you need to do is agree appearance forms and place the code for paying for services on your website.
The payer (your user) selects the payment method with a bank card, enters the payment data and gets to the card data entry form. After exchanging requests with the acquiring bank and payment systems, the gateway sends the user and the merchant information about the payment status (successful/not successful, in case of an error, a description of the error).
All transactions are monitored by the merchant in a convenient personal account online.
Despite 6 years of experience in the field, NPO Perspektiva launched the Internet acquiring service only this year, and therefore it is not yet represented in the ratings. The offer has been developed in full accordance with the needs of the clients. The company enters the market with favorable rates and is very flexible in its approach to customer needs.
54-FZ: The recipient of funds under the agreement with the merchant is NBCO "Perspektiva", this allows you to legally accept payments without CCP from the merchant. Storage, encryption and protection of fiscal documents takes place on the side of NPO Perspektiva. Payment orders are sent daily to the Bank of Russia. If necessary, all necessary documents are provided to the merchant.
Features and Features:
- Favorable rates: from 0.8% to 3.5% depending on the monthly turnover of the merchant and the field of activity. Details are discussed individually.
- Own antifraud system.
- Super convenience for the payer: autocomplete, hints, input masks, autocheck of card type, field validation.
- Easy payment with mobile devices through adaptive layout. The data entry page adapts to the width of the screen.
- The product looks completely yours - your logo, personalization, contacts.
- Friendly and professional support 24/7/365 for both the merchant and payers.
- Personal manager and prompt solution of any problems, regardless of the size of the turnover.
- Security license for international payment systems Visa and MasterCard PCI DSS (Payment Card Industry Data Security Standard).
- Specialized License of the Central Bank of the Russian Federation for banking operations with funds in rubles for payment non-banking credit institutions No. 3532-K dated July 21, 2015.
NetPay
Payment aggregator.
4th place - Internet Acquiring Rank 2016 (Markswebb Rank & Report study).
54-FZ: a merchant needs to purchase a CCP compatible with its CMS, or conclude an agreement with ATOL (a joint solution has been developed), and conclude an agreement with OFD. If you are not configured automatic change the status of the order to "paid" when receiving information about a successful transaction from NetPay, the company's specialists will independently set up the event.
Peculiarities:
- There are no limits on the amount of transactions.
Payture
International Processing Center (Paymentny LLC)
The joint solution with PayKiosk, a cash register manufacturer, and Orange Data, an online cash register service, includes:
- Providing online cash registers;
- Fiscal accumulator for each cash desk;
- Internet acquiring, alternative payment methods and modern Apple Pay payment tools, Android Pay and MasterPass by MasterCard, all transactions, regardless of the payment method, are processed by online checkouts;
- Installing cash registers with FN on secure orange data servers;
- Connection to "OFD-Ya" for the transfer of fiscal data;
- Sending online checks to the Federal Tax Service in real time;
- Sending an electronic version of the check to the buyer.
Scheme of work
Services and features
- Internet acquiring in Russia and around the world, cross-border payments
- Processing and settlements in local currency in the CIS, Europe, USA and the Middle East
- Alternative payment methods
- Apple Pay
- Android Pay
- Masterpass by Mastercard
- Own antifraud
- Online lending
- Holding funds
- Recurring
- Returns
- Card payments to individuals
- p2p transfers
- Marketplaces
- Online cash desks (54-FZ)
- Ready-made modules for integration with the 7 most popular CMS
Bid
From 0.7% to 4% depending on business line, turnover and payment method
PayAnyWay
Payment aggregator (NCO MONETA.RU).
Recently, the base rate was reduced from 2.9 to 2.7%, and starting from a turnover of 3 million rubles / month from 2.7 to 2.5%.
- 6th place — Rating of payment aggregators 2016 (Tagline research),
- 3rd place - Internet Acquiring Rank 2016 (Markswebb Rank & Report study),
- 1st place — Rating of payment aggregators 2016 (Shopolog research).
54-FZ: prepared SDK and Cash Module plugin for popular CMS, which also works with ATOL Online and Modul.Checkout and allows sending information about paid orders and returns to the customer's cash register.
Peculiarities:
- Connection from 1 day.
- An API that allows trading platforms to build settlements between buyers and suppliers on their side in such a way that they do not participate in them: all settlements and internal billing are provided by PayAnyWay, and the platform has the ability to manage funds, incl. to conduct secure B2C or C2C transactions. Marketplaces are not at the same time a participant in the settlements, do not become a paying agent.
With this scheme of work, the site does not fall under the 54-FZ and is not required to knock out a check.
PayKeeper
Payment integrator.
6th-7th place — Internet Acquiring Rank 2016 (Markswebb Rank & Report study).
54-FZ: PayKeeper can work in the mode of automatic transmission of payment data to the fiscal data operator by integrating with one of the cloud solutions: ATOL Online (3000 rubles/month, cloud), PayKiosk (1600 rubles/month, cloud), Class365 (350 rubles/month, need at your checkout).
Peculiarities:
- The lowest commission due to the use of a technical solution on the side of the bank.
- There is a connection fee.
Payler
- Round-the-clock support for the merchant and the buyer.
- Supports AndroidPay.
54-FZ: Cooperate with ATOL. Scheme of work: the merchant sends data about the purchase to Payler, Payler sends the data to ATOL, ATOL sends them to the Federal Tax Service, OFD and the buyer.
paymaster
Payment aggregator.
Webmoney project, ready to offer the best commission for accepting the electronic currency of the same name.
According to the Market Adjustment Research Center (MARC), as of Q4 2016, 1.9% of Runet sites that accept online payments are connected to PayMaster.
- 12th place - Internet Acquiring Rank 2016 (Markswebb Rank & Report study),
- 4th place — Rating of payment aggregators 2016 (Shopolog research).
54-FZ: provides interaction with OFD, sellers of cash registers and FN, if necessary, organizes the receipt of an EDS. Clients can leave a request for connection - determining the number of CCPs, FN, technical integration is carried out by PayMaster, ready-made modules for CMS are at the update stage.
Peculiarities:
- The lowest commission on Webmoney.
pay online
Payment gateway.
- 2nd place — Rating of payment gateways 2016 (Tagline research),
- 5th place - Internet Acquiring Rank 2016 (Markswebb Rank & Report study),
- 8th place — Rating of payment aggregators 2016 (Shopolog research).
54-FZ: a personal manager will help integrate the business with the ATOL cloud cash desk, CMS modules in the process of updating.
Peculiarities:
- Possibility of routing payments even in Europe (Partner of PayVision).
- Payment on credit with payment to the merchant in full the next day.
Robokassa
Payment aggregator.
One of the first payment aggregators in Russia, the second most common after Yandex Cashier, which gave the palm in 2016, largely due to problems with Ocean Bank.
According to the Market Adjustment Research Center (MARC), as of Q4 2016, 10.3% of Runet sites that accept online payments are connected to Robokassa.
- 2nd place — Rating of payment aggregators 2016 (Tagline research),
- 27th place - Internet Acquiring Rank 2016 (Markswebb Rank & Report study),
- 7th place — Payment rating important aggregators 2016 (Shopolog research).
54-FZ: prepared several options:
- When using Robo.market: the service acts as an agent to attract buyers for goods, the use of CCP is not required.
- Payment can be made by bank transfer by order of an individual. This will require changes in accounting. The use of CCT is not required.
- Integration with cloud CCP from ATOL.
- For merchants who have bought CCPs, modules for CMS will be updated for correct operation.
Peculiarities:
- Own free marketplace, which saves the merchant from problems with 54-FZ.
- Free customer support 24/7.
- They work with individuals.
Single checkout Wallet One
Payment aggregator.
According to the Market Adjustment Research Center (MARC), as of Q4 2016, 3.6% of Runet sites that accept online payments are connected to Wallet One.
- 7th place — Rating of payment aggregators 2016 (Tagline research),
- 19th place - Internet Acquiring Rank 2016 (Markswebb Rank & Report study),
- 3rd place — Rating of payment aggregators 2016 (Shopolog research).
54-FZ: the decision is under preparation.
Peculiarities:
- There is a C2C solution for exchanges called “Risk-Free Deal”.
- They work with individuals.
- There is a full integration with Viber.
- Setting up roles in your personal account.
Yandex Checkout
Payment aggregator.
Yandex.Money project. Able to offer the lowest commission for receiving Yandex.Money for obvious reasons.
According to the Market Adjustment Research Center (MARC), as of Q4 2016, 29.6% of Runet sites that accept online payments are connected to Yandex.Checkout — this is the largest indicator.
- 1st place — Rating of payment aggregators 2016 (Tagline research),
- 2nd place - Internet Acquiring Rank 2016 (Markswebb Rank & Report study),
- 5th place — Rating of payment aggregators 2016 (Shopolog research).
54-FZ: cooperate with ATOL Online. If the CRE is registered with the tax office and there is an agreement with the OFD, the merchant will be able to switch to an extended protocol that allows you to transfer checks of the OFD, as well as make returns. Modules for popular CMS will be aligned by July 1st. If you do not integrate payment with the site, it is enough to indicate the type of cash register used.
Peculiarities:
- Possibility of payment by QR-code.
- Integration with other Yandex services via Y.CMS: Ya.Metrika (for data collection), Ya.Market (for placing goods using CPC and CPA models).
- Free SSL certificate.
- AndroidPay support.
- Integration with JivoSite, Viber, Telegram.
Tinkoff
Acquiring bank with its own processing center. Usually banks are not eager to work with small businesses, and even on a relatively low-margin service, which is Internet acquiring for them. Tinkoff Bank declares attention to small businesses, innovation and openness. On the website of the bank, one of the few, you can see open tariffs for Internet acquiring, so we include it in the review. Tinkoff does not accept electronic money for payment, but promises to fix this by the end of the year.
The bank has two tariff scales: basic and basic with extended support. The latter has a higher commission, but bank employees help you with advice for the first 6 months, but you still have to connect on your own. After 6 months, you are automatically transferred to the basic tariff, the commission of which is used on the charts.
24th place - Internet Acquiring Rank 2016 (Markswebb Rank & Report study).
In general, any system for receiving funds works like this:
- a request is received from the Internet resource with the payment amount (most often by redirecting to the website of the payment instrument);
- the buyer enters his data and the system makes the payment;
- funds are transferred to the seller's accounts within a few days, minus the service commission.
To start accepting payments on the site, you need to select a payment acceptance system, conclude an agreement and carry out technical integration. It is important for an entrepreneur to understand how different means of accepting payments work, as well as what influences their choice.
What do you need to know?
Commission
Of course, the services of payment acceptance systems are not free for the business owner. Usually a fixed % of the amount of each transaction is charged, on average 3%. However, depending on the type of your business, monthly turnover and the connected method, this rate may vary. For example, high-risk categories can connect payment by card on the site for at least 5-6% and far from all payment partners, while a standard online store is likely to receive a rate of 3%.
It is also important to understand the limits on turnover: most large payment acceptance systems have special conditions for sites with a turnover of > 1 million rubles / month. And vice versa, you will not be able to connect to a major acquiring partner if only 50 thousand rubles pass through your site in a month.
Most often, the commission is charged from the Internet service, but some payment acceptance systems for online stores offer to set up the withdrawal of commission from the buyer. Those. the payment amount for you is in the website catalog and in fact does not change, and the buyer pays a little more.
Sometimes there are payment systems with a subscription fee, without% from each transaction. If purchases on your site are not made every day, we recommend that you bypass such solutions, as they are absolutely not profitable for you. Similarly paid connection: often newcomers to retail move from partner to partner during the first time the site is up and running. Of course, you do not want to lose the amount spent at the start.
Connection
Regardless of the type of payment acceptance tool, there are several options for connecting to start accepting payments on the site.
A) Directly - you enter into an agreement with each payment system separately. Often this method allows you to access the best commission rates, but takes more time in case you need several different options.
B) Through an aggregator - you can conclude one contract, carry out one technical integration and start accepting payments on the site in several ways at once. Unfortunately, the commission rate in this case will be 0.5-1.5% higher than with a direct connection, but you will save time and resources - often payment integrators have much better customer support, especially small businesses.
Technical integration
Integration does not increase the cost of service in the payment acceptance system in any way, the commission is charged only for payments. However, the integration option affects the convenience and conversion of the payment process on your site.
by the most simple options there will be a connection through redirection to the site of the payment partner. With this option selected, your technical specialists will not have to set up almost anything - you can start accepting payments on the site in a few minutes! Note that for the user this is the most inconvenient and untrustworthy option, which will not have a very positive effect on the conversion into a successful payment.
However, if your site is implemented on one of the popular CMS, pay attention to systems or aggregators that have special modules. Thus, you will discover more opportunities for yourself. fine tuning(customization) of the payment process on your site.
And finally, if you have a staff of programmers and your site is written from scratch, it is reasonable to connect via the payment system API. This option will take more time to connect, but in the future it will allow you to maximize the conversion due to closer integration into your website: embedding a payment form in your page, entering part of the data to complete the operation in your interface, no redirects and other options.
What payment systems are on the market?
So, let's look at the main types of tools:
Internet acquiring
Acceptance of payments from bank cards. most popular and convenient way to accept payments on the site. Direct connection to banks is almost impossible for small businesses. Therefore, we recommend using the services of aggregators or processing centers (in fact, a separate category of aggregators specializing specifically in card transactions).
If you want to connect to the bank directly, compare the rates of banks for Internet acquiring. If you need a greater variety of payments, check out the TOP payment aggregators.
Internet wallets
The most numerous class of payment systems. The user creates a "purse" (account) in the system, indicates personal data and gets access to payment for goods, services, transfers of physical. persons. If such a payment method is connected to the site, then when paying, the payer is billed to the system for payment. During the payment process, Internet wallets may request additional confirmation of the transaction, similar to 3DSecure in acquiring transactions. For online wallets, there are legal restrictions on the amount of payment (FZ 115): no more than 15,000 rubles. for payers who have not passed the identification procedure.
The most popular Internet wallets in Russia are: Yandex.Wallet, WebMoney, QiwiWallet, WalletOne, EasyPay. The most famous international electronic currency is Bitcoin.
Payment terminals
A very expensive payment method: commission rates can exceed 10%! However, in remote settlements, it is often possible to pay for a purchase online only through an offline terminal. Most important parameter terminal network - coverage geography.
Please note that refunds for this payment method require a lot of effort, and your customers will have to wait for a refund for about a week. In addition, for terminal payments, there is also a limit on the amount of a single payment: 15,000 rubles. However, there are cases when connecting such a payment system for a site allows you to significantly expand business opportunities.
Postal services
An additional way to expand the geography of purchases is the connection of Russian Post or delivery services. Payment for the purchase occurs upon receipt of the order. It is more reasonable to implement such a method of making a payment through an aggregator: turnover restrictions are possible and quite complicated in terms of API implementation.
Internet banking
The payment method for the payment process is very similar to Internet wallets, but has a peculiarity: the invoice is issued not to the wallet, but to the payer's bank account.
Many payers prefer this payment method because it does not require entering card details, which is not always secure. Unfortunately, a direct connection is often not available to small stores due to a monthly turnover limit, similar to Internet acquiring.
Payment from mobile phone balance
For small amounts of payments, payment from the phone balance is very convenient. Especially often this payment method is used in gaming services. There are several payment options.
There are a number of mobile payment providers that act as intermediaries between the operator cellular communication and service provider. Each provider has its own system of tariffs and settings for each operator and region. When connected through an aggregator, a store has access to several payment gateways, depending on the needs of the business. For all types of payment from a mobile phone, there are limits on a one-time payment, usually in the range of 1-5000 rubles.
Cash
Even taking into account the statistics of an increase in the turnover of card transactions in recent years, some still prefer to pay for goods and services in cash. Such services are often provided by communication salons, such as Svyaznoy and Euroset.
Lending
A new payment method for the site on the market: buying goods on credit with confirmation of a loan from a bank online. The store integrates with the bank providing the service or the aggregator. During the purchase process, the client provides all the data required by the bank and receives a preliminary loan approval. The contract is concluded within a few days already without the participation of the store. After a successful loan issuance, the bank notifies the store via API, and the customer receives his order.
So, we have considered the basic concepts of accepting payments via the Internet. We recommend connecting only 2-3 popular payment systems, which will allow you to accept payments through the site from the largest possible part of your audience. Alas, novice business owners often make the same mistake: they spend a lot of time connecting all possible options, when it was possible to set up only accepting payments from bank cards and start making a profit at the very beginning of the Internet service.
Recently, I have been increasingly asked about payment systems and payment system aggregators that work with individuals. Since they ask, I decided to delve a little deeper into this issue and talk about it on the pages of my blog.
A little about the essence of the issue:
Since Federal Law 54 entered, which says that you need to use online cash desks everywhere and everything. The people wondered if it was worth paying 50,000 a year for this dubious pleasure. And they began to slowly look for alternatives. One of these alternatives is the withdrawal of payments on the site to the area of physical. persons. The second argument in this matter, I want to start, understand what’s what and generally try what an online store is, and so far I don’t need these troubles with cash desks, but somehow I need to accept payments.
Within the framework of this article, I will try to list services and alternatives for individuals.
Classic payment aggregators
In fact, there are few alternatives left on the market, since everyone needs the following parameters: payment by cards, fast connection and stability. After stripping the aggregator market, there are essentially two alternatives left:
Robokassa is one of the oldest payment aggregators and one of the most popular of its time, it was ruined by delays with banks and at the same time one of the highest commissions. Now physical. a person will have to pay about 9% for the money to be in his account. But there are not many alternatives to Robokassa.
Nextpay - is gaining momentum in connection with Federal Law 54. Since he is perhaps the only one who provided a more or less functioning system for legal entities. persons., which does not require beating checks. The aggregator also works with physical. persons on terms comparable to Robokassa about 9% commission and money in your account.
This is where the story about aggregators can end, you need to understand that in fact there are more of them, but there are not so many really working according to this scheme, since the alternatives have essentially stopped working with Russia or are experiencing some technical difficulties. It is unlikely that you will be satisfied with a system that cannot accept payment.
Direct payments
Lately, I have begun to observe a shift towards direct payments. What it is? This is when you refuse the services of an intermediary in the form of a payment system, switching to direct interaction with the payment system. The advantages of this approach are that the cost of the payment is reduced, since you and the client pay only the service commission. Cons: your money is scattered across a bunch of wallets and services that you can’t collect with a low commission for you. But I want to note that the commission in most cases will be lower than that of the aggregator.
Bootpay is not a service, but a whole CMS, your individual aggregator, which is installed on your hosting and processes for you, you configure it individually and bingo, payments go directly to your wallets, I would like to note how the system works with bank cards, it does not use Yandex money, or Qiwi, to credit money from the card to your wallet. A very interesting system. The paid system at the time of publication cost $18.
Cons of the system: there are no integrations with CMS, that is, the data remains in the system for now and that's it, but I think this is a solvable issue.
Nigmapay is a very interesting direct payment service, it works on the Bootpay principle, but it is a service, that is, you do not need to deploy your infrastructure. Bank cards are accepted through the Yandex Money service.
Pros: there are already integrations with CMS, you don’t need your own infrastructure, according to the comrades from Nigmapay, there is a completely free tariff.
Cons: there are still few integration modules/plugins.
Using only one payment system
I decided to add about accepting payments through some one payment system. Which pretends to be a web wallet.
Qiwi - Qiwi has a pretty decent tool that allows individuals to accept payments, called "Personal Wallet". Approximately 5% and the money in your bank account - this is without using a Qiwi bank card. The advantage is that you can take both Qiwi and bank cards, well, qiwi terminals and mobile operators are also loaded, in fact, they can replace everything that is on the market.
Yandex money - no less powerful alternative, allows you to accept: cards, Yandex money and payments from mobile operators. Approximately 4% commission and money in your account, you can reduce costs up to 1% if you use a Yandex Money card.
In the article, I am not talking about Webmoney and other wallets, since you need to understand that webmoney is only for webmoney, and other wallets profess the same principle, or they roll out completely unprobable commissions comparable to Robokassa