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How to accept payment by plastic cards to the site
The beginning I want to immediately draw your attention to the strict increase in the percentage of payments in the Russian Internet for goods and services using plastic cards.
Personally, in my business, customers pay cards in 10% -15% of cases. According to my observations, almost 80% of them simply went further and did not purchase my goods or services, had I not offered them a plastic card as a payment method.
That is, I do not accept cards - my sales would be lower by 7% -13%, and every month this amounts to a figure for which it is worth to make an effort and realize the possibility of paying cards on any commercial site, including. And on yours.
Take into account the fact that the trend of payment with plastic cards in RuNet will only grow and very soon will seriously compete with virtual cash and other widespread and habitual now for Runet payment methods.
I remind you once again that plastic card payment has serious advantages for both the seller and the customer:
For citizens of the Russian FederationOFFICIALLY, there are currently three common ways to connect their sites to Internet acquiring (this is the name for this service in banking operations).
METHOD #1: Card operator - the company "ASSIST" www.assist.ruThis company has been working on the Runet market for a long time and has proved to be a reliable partner. Through 'ASSIST' you can receive cards: Visa, MasterCard/EuroCard, Diners Club, STB, JCB). The 'ASSIST' system has a convenient and simple interface for integrating payment acceptance into your site, as well as very detailed instructions on how to step-by-step the entire integration process. It is also convenient to look at the statistics for all your payments and always be aware of the situation. The only serious drawback of ASSIST is that if you live beyond the reach of one of the branches of banks with which ASSIST operates, then you will not be able to connect to the system. For example, I could not because my city is on the outskirts of Russia, where there is not one of the branches of these banks in the district center. Another convenient feature of ASSIST is that you can accept not only payment by cards but also virtual cash (WebMoney, ЮMoney, E-Port, Credit-Pilot) through them, which will help you pass the conversion operations Virtual cash in rubles and tax accounting for these funds. In this case, all payments will ultimately come to your current account, which you will open, as an individual entrepreneur or to your business. How to connect to 'ASSIST'? After you have already become a legal entity and opened your bank account, you go to the site of the company assist.ru and submit Application for registration under the link www.assist.ru/support_center/register/register.htm, Your application is reviewed for several days and then helps you decide which bank is best used for Internet acquiring in your case. How much does it cost to connect to 'ASSIST'? The amount of connection to receive cards through the 'ASSIST' will range from $120 to $180. But you need to consider that depending on the type of contract and the bank with which the contract is concluded, you will have to pay or save the amount of the insurance deposit. This deposit is necessary for the bank to cover the risks associated with possible refunds of money to your customers on a card, etc. This amount can be from $100 to $300 and above, depending on your goods and services. If you determine the company 'ASSIST' as a suitable option for you, then do not forget to specify the amount of insurance deposit and the total financial costs for your connection. What percentage takes 'ASSIST' from each transaction for its services? This percentage will depend on the bank with which you will sign the contract further for receiving cards through the company 'Assist'. But interest can range from 3% to 5% from every successful transaction to your services or products.METHOD #2: Card operator company 'CYBERPLAT'www.cyberplat.ru This company also works for a long time on the Runetovsky market of electronic commerce and pretends to become a universal Russian card operator number ONE! Unlike the "ASSIST", the company "CYBERPLAT" is a subdivision of the bank "PLATINA" and therefore does not depend on the whims of third-party banks. As a result, you can connect more quickly and cheaper to the 'CYBERPLAT' system, regardless of your region of residence within Russia. Through 'CYBERPLAT' you can receive cards: Visa, MasterCard/EuroCard, Diners Club, E-Port). But a significant disadvantage of 'CYBERPLAT' is its interface for integrating payment acceptance into your website. Despite the fact that the company is given very detailed guidance and instructions on how to carry out the whole process step by step, you still have to turn to the programmer's help to install and configure all the necessary scripts on your server, generate keys and start accepting cards through 'CYBERPLATE'. How to connect to 'CYBERPLATE'? I also liked that you can immediately open a settlement account in the bank 'PLATINA' with management via the Internet. Then you will have everything in one place. As a result, you will receive a complete and convenient solution for your e-commerce enterprise with minimal translation costs and maximum work speed. How much does it cost to connect to 'CYBERPLATE'? Connection to this system will cost you less than to 'ASSIST'. The amount of connection is the equivalent of $100. But the insurance deposit at 'CYBERPLAT' is iron and is 9,000 rubles or ~ 300 $. The only thing you can do is not to pay it, but simply to accumulate on your transit account in the bank PLATINA already working and taking payment for your services and goods. That's what I did and quickly collected the right amount of the deposit. What percentage takes 'CYBERPLATE' from each transaction for its services? This percentage is 4.5%, but as soon as your turnover per month is more than 100,000 rubles, it will be automatically lowered. And further, the larger the turnover, the less 'CYBERPLATE' will take interest from you. My personal comments on the 'CYBERPLATE' system ... I generally decided with whom to work and broke almost all the options on this topic for residents Russia. As a result, my choice was based on the company 'CYBERPLAT'. The reasons are many, but here are the main ones:
METHOD #3: - Agree with one of the banks directly.Today, the service of Internet acquiring is becoming more popular, that's why it starts to be implemented and offered by many large modern banks. Therefore, as a good option, you can consider these proposals. To do this, you need to make a list of the largest and most modern banks in your region of residence, and after ringing at everyone and ask them about the availability of card payment services via the Internet and find out what prices, conditions and mechanisms they offer you for this. But my experience of contacting banks has shown that their solutions are not always the most profitable, convenient and acceptable for my purposes. For example, trying to connect to Internet acquiring in 'IMPEXBANK', I was very disappointed in their offer. Firstly, they work only with Visa, MasterCard/Eurocard, and secondly, with small amounts, they take 10% from each transaction ... Well, where does this suit?For citizens of UkraineOFFICIALLY, there are two main ways to connect your sites to Internet acquiring:
METHOD #1: Internet acquiring of Pribatbank. shop.privatbank.uaThis bank in my opinion is the most advanced and popular in Ukraine and has always been a pioneer of the introduction of some modern and high-tech services for its customers. I think that you really should open a settlement account in PRIVATBANK as an entrepreneur, and also take advantage of their Internet acquiring offer to get a full range of banking services in one place. If you decide to accept cards through 'PRIVATBANK', then you will be offered only acquiring cards: Visa and MasterCard/EuroCard. But if you take into account that almost 90% of all card payments in the world occur with the use of cards of these systems, I think that such a restriction will not affect your business almost. Cost of connection to Internet acquiring of 'PRIVATBANK' You should check with the bank's employees, but the stated terms and a seductive 1% from each transaction on the card can only please and surprise me :-))METHOD #2: The Ukrainian Processing Center Companyecommerce.upc.ua This company is a subdivision of the Ukrainian commercial bank AVAL, which is the second largest after PRIVATBANK. I liked the approach to Internet acquiring at the UOC's more than that of PRIVATBANK, because everything is technically solved simply and reliably. As well as Internet acquiring of 'PRIVATBANK' the offer from 'UOC' will allow you to accept cards: Visa and MasterCard/EuroCard. Declared type of American Express cards In fact, is not yet being accepted. What's insulting is that I have not found the information on connection and transaction fees to the site of the UOC. But if you live in Ukraine and decided to accept cards for your goods or services, then do not be lazy to go to them to the site and contact the support service of this company to clarify all the details. And now I will offer you two INFORMAL ways Start accepting cards on their sites as one of the payment methods. I have so far only found a couple, but maybe someone will be more agile and find them more ... Here you can only thank such a person for giving me such information. So, informal methods are good for beginners of e-commerce who are just starting to make their first steps on the Internet and are deprived even of small funds for legal and investment support of their business. In such a starting situation, paying taxes and using traditional bank Internet acquiring is very costly, because it will require a beginner at least $200- $400 of expenses. And many people have a bad financial situation, but the desire to start their business on the Internet is great ... If you are one of these newly-created entrepreneurs, the information below is a real treasure for you!METHOD #1: International card operator '2CHECKOUT'..2checkout.com This company has been operating on the world card acceptance market for many years and the only one from the West allows residents of CIS countries to be serviced by themselves. The only "BUT" is that you will have to have at least a little English to connect and use the '2CHECKOUT' capabilities because it is the only language the system talks to you and your customers who will pay for your services or goods. Therefore, you should take into account when choosing '' 2CHECKOUT ', that the process of paying by card through their system you must additionally describe for your future customers. From the advantages of this system, one can single out the simplicity of integrating their payment system into your website. Perhaps, in this they have overtaken many. They also have a very low tariff for the initial connection to the system - only $49. And the system of statistics and transaction control is also simple and convenient. But what's frustrating in '2CHECKOUT' is their tariffs, which they will charge for each transaction on the card - $0.45 + 5.5%. But we must understand that for a newcomer the sentence from '2CHECKOUT' remains interesting and profitable. The registration process is very simple. Just remember immediately that you will have to pay for the connection to '2CHECKOUT' with your plastic card, which must be refilled at least $50 or equivalent at the rate in the currency of your card. But it is better for insurance to replenish the card with a small margin of 5 $-10 $.METHOD #2: International payment system 'VIP-PAY'.vip-pay.com But this option is the most delicious place of this article, because it offers a unique service for the Runet today. The uniqueness lies in the fact that the system is universal, speaks Russian and accepts for payment almost all payment methods common in RuNet, including plastic cards! When I first came to them to the site, I immediately thought that the RUPAY.COM payment system had a clone and a competitor. Indeed - the idea and interface are very similar. BUT! All the same, there are serious, I would say GLOBAL differences ... Here is their full list:
English English - Englishemail: support@sumup.com
phone.: +1 (888) 250-2164 address: Great Britain, Лондон |
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