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On many sites that sell goods or services, you can pay for orders through the site. This is done in various ways. In the article we will consider existing methods accepting payments through the site.

Methods of accepting payments

Payment systems

The method is convenient because you can pay for goods and services without leaving your home.

Cons: the need to register in the system, payment limits are possible (for example, up to 15 thousand rubles).

Examples of services: WebMoney, Yandex.Money, Qiwi Wallet. In addition to these main ones, there are many more, with different tariffs, opportunities. Some payment systems have affiliate programs and bonuses for using the system.

To connect the possibility of payment through payment systems, you will need documents, obtaining the appropriate profile.

Payment terminals

Payment terminals can be found mainly in stores. For a small commission (and sometimes without it), a payment is made for services or orders. You choose in the terminal the right company(for example, you pay for mobile communications - choose an operator mobile communications), enter your ID (unique user number or login, code), deposit funds, payment information is transmitted to the store.

Cons: the buyer needs to find a payment terminal; the site owner needs to link his store to the terminal.

Examples of terminals: Eleksnet, Qiwi.

Universal Systems

These are the so-called aggregators, which combine various systems payments and allow you to withdraw funds to a single account.

Services are good because you do not need to conclude agreements with each payment system.

Examples: Robokassa, Assist.

SMS payments

This payment option is suitable for websites with low prices payment for services or goods. For example, this payment option is suitable for paying for days of watching series (for example, on the turbofilm.tv website), or on dating sites (payment for raising an ad, a gift, etc.).

Such payments are convenient, since the buyer sends a code to a short number for ordering, no more operations are required from the user.

Cons: you have to conclude separate contracts with each of the operators.

Alternative: A1pay.ru service, where the main operators are already connected.

Bank cards

This is a payment method with Visa, MasterCard.

Cons: lack of trust. Not everyone wants to enter their card number in the form on the site. Although there are additional features creating virtual cards that can protect the buyer from credit card theft.

Examples of credit card processing systems: Chronopay, Assist.

Connection

Things to consider when choosing payment types for your site:

• How much will your goods or services cost? it is quite possible that the possibility of payment via sms is enough;
• Who is your audience, the more convenient it will be for them to pay for services or goods - although when connecting various payment options, the chance is higher that the visitor will buy from you;
• You want to independently connect various payment systems or use the services of aggregators.

Of course, when you connect to the aggregator, you save time on launching the project and you do not need to conclude contracts with all systems. However, you are dependent on one source of services. And in case of problems, the user will either leave or wait for the payment service to work.

• Will you pay by credit card.

findings

When connecting various ways payment to your site, pay attention not only to the possibilities of payment, but also to the convenience of the purchase. Sometimes, the process of buying on such sites may differ in details, however, it can be easier and more pleasant for the user.

But it is undeniable that the ability to pay via the Internet is a necessity for the site in our time.

Life Stories

I made a purchase in one online store, and saw the possibility of paying with a “bank card”. Since I rarely have to withdraw cash from an ATM, I decided that I could pay for the order with a bank card. However, I was very surprised when, when proceeding to the next step of placing an order, I was told the details for which I should pay at the nearest bank branch. Conclusion: it is necessary to correctly name the payment options so as not to mislead the buyer.

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Internet currencies

It is important to understand that any new currency, any new money OCCUPATES a part of the sphere of operation of state currencies, or occupy "voids", i.e. those areas of the potential operation of currencies that have not been used in any way before. So it was, so it is and so it will be. Coupons, demurrage and substitute money from the previous description are partially, exactly like that. Internet currencies, or electronic money, are also no different from them in this regard.

The foundation, construction and development of an Internet currency, unlike paper currencies, which require at least LOCAL AUTHORITY to organize, is subject to any person or company, individual or legal entity. This is the main difference. To create a payment system based on Internet payments, the creators do not need an administrative resource.

The Webmoney system is one of the most convenient payment systems for making all kinds of payments on the Internet. It is a full-fledged environment for financial relationships on the network, it is used by millions of people around the world. This system you may need to receive money earned on the Internet.

You will need

• - a computer with Internet access;
• — WM Keeper Classic

Instruction

In order to register, go to the Webmoney website. On the site you will see a registration button, click on it and select "I am registering for the first time", click next. In the window that appears, you will need to fill in all the empty cells, then click "continue". You will also be asked to double-check the completed data, and if you want to withdraw money from the system, your data must be reliable. After you have checked everything, click continue. To your address Email A unique code will be sent to you, which you will need to enter next.

How to open a payment system

Now you have access to WM Keeper Classic. When you first start the program, it will ask for an activation code that was sent to you by mail. First of all, create wallets for rubles and dollars, since they are used more often than others. When you already have your ruble wallet, you can go to its properties and see the account status **wmr. When you click on ** wmr, a window will open with your wallet number, be sure to save and write it down somewhere on a piece of paper.

The last thing left for you to do is verify your personal details. Pay attention to the WMID, which consists of 12 digits. You will need it for various registrations, debiting funds from your account, and it is also used as a login.

How to replenish your wallet? In the open "Keeper" go to the "Wallets" tab, right-click the context menu, select "replenish". Next, it’s tedious to choose a replenishment method: it can be, for example, replenishment through bank card. Click on the link provided and read the instructions. When transferring sum of money keep in mind that all transactions are carried out with a commission, so it is better to transfer a little more money.

Now you can start using your Webmoney wallet.

Attention, only TODAY!

This functionality is available usersproducts"Online store » .

Yandex.Checkout

Connect the Yandex.Checkout payment system, and your customers will pay for goods and services online.

Yandex.Checkout provides several payment methods:

• Yandex.Money wallets;
• bank card;
• mobile phone account;
• cash payment through cash desks or terminals;
• WebMoney;
• mobile terminal (mPOS).

How to make a payment system on the site?

To connect to Yandex.Checkout, fill out an application for connection, set up a ready-made module that is already on your site, sign an offer agreement and start accepting payments.

1. Fill out an application.

Specify the addresses in the Yandex.Checkout settings:

• URL for payment receipt notification: https://gate.umi.ru/yandex30/(Host)/
• URL for order verification: https://gate.umi.ru/yandex30/(Host)/
• URL to inform the user about successful payment: http://(Hostndomain)/emarket/purchase/result/successful/
• URL for notifying the user about a failed payment: http://(Hostname)/emarket/purchase/result/failed/

Host - site system name, Hostndomain - linked domain name or site system name.

1. After the conclusion of the contract, enter the identifier, showcase number and password in the appropriate fields, and then activate the payment system.

Note!
If you connect a payment system with a third-level domain ((Host)), and then bind a second-level domain, you will need to sign supplementary agreement with the Yandex.Checkout service to connect a new domain to their system.

How to integrate your site with the Yandex.Money payment system (for individuals)?

In order to connect the acceptance of payments through the Yandex.Money system to your store, follow the step-by-step instructions:

1. Open an account in the electronic payment system Yandex.Money.

Tired of building sales in social networks only on trust?

On the HTTP notifications page, specify the address to which notifications about incoming payments will be sent: https://gate.umi.ru/yandex30/site-internet-magazin.umi.ru/ , where instead of site-internet-magazin.umi. ru you need to enter the name of your online store:

3. On the same page of HTTP notifications, check the "Send notifications" box and click the "Save" button:

4. After that, connect the acceptance of payments via Yandex.Money in the control panel of your online store in the "Shop" → "Payment systems" section.

Specify your Yandex.Money wallet number and the secret word copied from the HTTP notification settings page https://sp-money.yandex.ru/myservices/online.xml, click "Save":

Money Online

You can connect payment systems through the Money Online service. Your client will be able to pay for purchases through the payment system to which he is accustomed, and your company will instantly receive money into its account.

More than 50 payment methods are available for connection:

• MasterCard, VISA;
• Yandex money;
• WebMoney;
• QIWI;
• Mobile payments Beeline, Megafon, MTS;
• All payment systems available for connection can be seen on the website of the Money Online service.

To conclude an agreement with the Money Online service, you can have any organizational and legal form. This can be done by following the link.

After concluding an agreement with the "Money Online" service, you will need to indicate the "Project ID" and "Secret word" in the appropriate fields.

For the Money Online service, specify the following 3 addresses:

• URL - for notification of payment crediting: http://your site.ru/emarket/order_paysystem_callback/
• URL - to inform the user about a successful payment: http://your site.ru/emarket/purchase/result/successful/
• URL - to inform the user about a failed payment: http://your site.ru/emarket/purchase/result/failed/

Thanks to which you will set up accepting payments on the site in 2 hours, even if you are not registered as an individual entrepreneur and do not understand the technical details at all.

Many webmasters, when launching a website or blog, dream of making money on their offspring. Our team is trying to help blog readers with this "Webmaster's World" and today we will talk about how to make accepting payments on the site. Agree, because many have something to offer potential buyers, but the lack of knowledge or the inability to place a payment acceptance aggregator on their portal deprives someone of a decent income.

Payment options

So, in order to organize payment acceptance on your site, you need to decide for yourself how you will work - with separate payment systems or payment aggregators. First option– low commissions, but strict requirements for web resources, second option- a little more commission and the money "falls" first to the partners.

General principle of working with payment aggregators

All systems for receiving money from buyers have a single principle of operation:

• The user enters the required data in a certain form (full name, nickname, e-mail, etc.)
• After filling out the form, the buyer gets to the payment page in the selected electronic payment system
• The owner of the product receives a letter from the partner with payment data and checks the correctness of the payment
• The buyer is redirected to the file download page or receives a password to access private pages or files. If this is an online store, the buyer receives an email with a notification that his order has been accepted.

Of course, this is a schematic explanation, each payment system aggregator has its own algorithms of actions, its own nuances, and when starting to work with them, the owner of the web resource should carefully study all the features of "payments". And be sure to make a test purchase to make sure everything works as it should.

The easiest way to accept payments on the site

Let's look at the options for installing payment systems. The easiest and simplest option is to indicate the wallet number in Yandex, WebMoney, Mail.ru, RBC Money, etc. in a separate block on the site. and the amount you want to see on your invoice for the item. If there are several products, then the information will have to be placed on the offer page.

This method of accepting payments has more disadvantages than advantages, I suggest you think about it yourself, dear reader. But the most important thing here is that in order to get money, you must be a very respected person: who wants to take risks, because it is very easy to run into a scammer on the Web.

Overview of well-known payment aggregators

There are many services for accepting payments on the Internet - below I will talk about some of them, in more detail - about installing "payments" from the United Cashier on the site.

1. Let's start with Interkassa- a good service that is ready to connect all known payment systems to your site or website. For its services INTERKASSA will take a commission of 3% of the payment received for goods. While accepting payments, Interkassa does not receive his secret data from the buyer, which guarantees the security of the transaction. To start cooperation with the system, you will have to register and send the site for moderation - not all sites are accepted for maintenance. In addition to the code, you can install modules and plugins - this will simplify the work with the integration " payment cards". By the way, here is a video on how to work with the system:

2. The following system for accepting payments is CyberPlat. To start working with this service, you need to register, receive a package of documents from the project manager, fill out paperwork and send them to CyberPlata employees. In response, you will receive data for setting up a payment system. In my opinion, there are a lot of unnecessary movements and expectations, but there is a complete legal justification for cooperation and safety of work.

3. The third system for accepting payments on the site in our list is QIWI.

To work with the system, you need to register and send the address of the online store for moderation. When connecting, you will have to select the type of wallet: nominal or legal entity. There is a difference between them, and a significant one, starting with the commission and ending with the terms of connecting the service. After the approval of the online store, the administration of the service sends a notification and documents that will have to be signed and returned back. Next - setting up the payment acceptance form in the protocol of your choice (you can choose a combined one).

4. The next "payment" -.

The service is well-known and popular, to work with it you need to register and send a package of documents to the portal administration. After that, you will receive a code that will need to be installed on the site. The service fee depends on the choice of tariff, there are several of them: "Main", "ZhKU", "Do good" etc. RBK Money wallets and all major electronic payment systems are accepted for payment.

This payment acceptance service is one of the best in its field, which will turn 10 years old in 2013 :). ROBOKASSA works with both legal and individuals. To start cooperation legal entities you should create an account, sign an agreement, check the system’s performance, agree with the “payment” technical condition certificate and issue a power of attorney. Cooperation with individuals is based on a public offer and requires only registration and confirmation that the site complies with the rules of the service. AT first option partners use bank transfer for payments, second- electronic money. Robokassa is really a reliable aggregator, if you are in doubt about choosing a system, then pay attention to it in the very first place. The service fee is charged depending on the selected tariff, and starts from 1%.

How to accept payments on the site using the Unified Cashier

Why did I choose this system? Because of its simplicity and ease of installation. So let's go to merchant.w1.ru/checkout/site and press the button "Connect now":

On the page that opens, we are shown the algorithm of our further actions, and we start with registration:

To register, you need to specify a working e-mail or phone number as a login, enter a security code and understand that you agree with the contract public offer which you can read by clicking on the link.

The password for registration is sent to the specified e-mail. After you enter it, the start page will open.

We carry out all the necessary settings, there are a lot of them, but it will take a minimum of time to spend on this. Yes, and we have planned a serious matter, so - do not be lazy. By the way, it is possible to choose the visibility of your data.

Setting up an online store. Here you will have to confirm the rights to the site by uploading a text file to the root folder or installing some code in the main page template.

After confirming the rights to the site, you should set up the payment acceptance form on the site. How to do it correctly is described on the page. merchant.w1.ru/checkout/site/develope, in the same place - a description of the parameters that can be entered into the code for additional payment characteristics (which wallets to work with, which ones not, what currency should be, etc.).

You will get something like this - after the appropriate settings and integration:

You can install an informer that indicates the payment methods for the order.

And you can do everything with the help of modules. You can download them from the page from which we started:

Below is a video how to set up payment acceptance on a site on Joomla!

I hope now you know how to organize the acceptance of payments on the site– at least in general terms. It remains only to understand what you will sell and stop at any payment system. Good luck!