How to accept payment using bank cards in an online store. Bootpay download a script for accepting payments without moderation Download a script for paying for services by credit cards

In order to accept payment for orders in the online store by bank cards (VISA, MasterCard, Maestro), you must conclude an agreement with a company that will process such payments and transfer cash to your bank account. Such companies provide electronic payment systems either are aggregators payment systems.

Electronic payment system allows the buyer to pay for goods and services over the Internet. Examples of payment systems that allow making payments with bank cards: ASSIST, PayPal, Authorize.Net.

Payment system aggregator Is a company that makes it easier for a user to access several payment systems at once. When using an aggregator, it is usually not required to conclude an agreement with separate payment systems - the agreement is concluded only with the aggregator company. Thus, an aggregator is an intermediary between an online store and payment systems. Examples of aggregators: QIWI, Robokassa, PayAnyWay, PayOnline.

How to start accepting payments by bank cards

1. Sign an agreement with a payment system (or aggregator).
2. Get from payment system details for setting up an online store.
3. Using the received details, set up in your online store new way payment. To add a payment method, you will need to install one of the payment plugins.

How the order is paid

For the buyer, the payment process is as follows:

1. The buyer adds products to the cart, proceeds to checkout and selects a credit card payment method.
2. After placing an order, the buyer from the online store window goes to a special secure page on the payment system website.
3. The buyer enters personal data from his card (card number, owner's name, card expiration date, security code).

Transfer of funds to the owner of the online store

Some time after payment for the order (this period may be different for different payment systems), funds are debited from the buyer's card and transferred to the bank account of the owner of the online store. The payment system also provides the owner of the online store with the documents necessary for processing tax and other reporting.

In general, any system for accepting funds works like this:

1. a request is received from the Internet resource with the amount of the payment (most often by the method of redirecting to the website of the payment instrument);
2. the buyer enters his data and the system makes the payment;
3. 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 payment methods 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 card payments on the site for at least 5-6% and not all payment partners, while a standard online store will most likely receive a 3% rate.

It is also important to understand the restrictions on turnover: most large systems receiving payments have special conditions for sites with a turnover> 1 million rubles / month And vice versa, you will not be able to connect to a large acquiring partner if only 50 thousand rubles pass through your site in a month.

Most often, the commission is charged from the online service, but some payment acceptance systems for online stores offer to set up a commission withdrawal from the buyer. Those. the amount of payment for you in the site catalog does not change in fact, and the buyer pays a little more.

Sometimes there are payment systems with a monthly 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 beneficial for you. Similar to a paid connection: often newcomers to retail go from partner to partner during the first time the site is open. Of course, you will not want to lose the amount spent at the start.

Connection

Regardless of the type of payment acceptance tool, there are several connection options to start accepting payments on the site.

A) Directly - you conclude an agreement with each payment system separately. Often this method allows you to access best rates commission, but takes more time in case you need several different options.

B) Through the 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, as well as resources - often payment integrators have much better developed customer support, especially small businesses.

Technical integration

Integration does not in any way increase the cost of service in the payment acceptance system, the commission is charged only for payments. However, the integration option affects the convenience and conversion of the payment process on your website.

The easiest option would be to connect via redirection to the payment partner's website. With this option selected, your technicians will not have to configure almost anything - you can start accepting payments on the site in a few minutes! Note that this is the most inconvenient and distrustful option for the user, 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 possibilities for fine-tuning (customization) of the payment process on your website.

And finally, if you have a staff of programmers and your site was written from scratch, it is reasonable to connect via the payment system API. This option will require more time to connect, but in the future it will allow you to maximize conversion through closer integration into your site: embedding a payment form into your page, entering part of the data for an operation in your interface, no redirects, and other options.

What payment systems are there 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 receive 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 aggregators specializing 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 of payment aggregators.

Internet wallets

The most numerous class of payment systems. The user creates a "wallet" (account) in the system, specifies personal data and gets access to payment for goods, services, transfers of individuals. persons. If such a payment method is connected to the site, then upon payment, the payer is invoiced to the system for payment. During the payment process, Internet wallets may ask for additional confirmation of the transaction, similar to 3DSecure in acquiring transactions. For Internet wallets, legal restrictions on the amount of payment (Federal Law 115) are valid: no more than 15,000 rubles. for payers who have not gone through 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. The most important parameter of the terminal network is coverage geography.

Please note that refunds for this payment method are very difficult and your customers will have to wait about a week for a refund. In addition, for terminal payments, there is also a limit on the amount of a one-time payment: 15,000 rubles. Nevertheless, there are cases when the connection of such a payment system for the site allows you to significantly expand business opportunities.

Postal services

An additional way to expand the geography of purchases is to connect the 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: restrictions on the turnover are possible and are quite complex from the point of view of API implementation.

Internet banking

The payment method in terms of the payment process is very similar to Internet wallets, but it has a peculiarity: the invoice is not made to the wallet, but to the payer's bank account.

Many payers prefer this payment method, since they do not need to enter card details, which is not always secure. Unfortunately, direct connection is often not available for small stores due to a monthly turnover limitation, similar to Internet acquiring.

Payment from mobile phone balance

For small amounts payments are very convenient payment from the phone balance. This payment method is especially often used in gaming services. There are several payment options.

There are a number of mobile payment providers that act as intermediaries between the mobile operator and the seller of the service. Each provider has its own system of tariffs and settings for each operator and region. When connecting through an aggregator, the store becomes available 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 last years, some still prefer to pay for goods and services in cash. Such services are often provided by communication salons, for example "Svyaznoy" and "Euroset".

Lending

A new payment method on the market for the site: buying goods on credit with confirmation of the issuance of a loan from the bank online. The store integrates with the service provider or 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 without the participation of the store. After the successful issuance of a loan, the bank notifies the store via API, and the client receives his order.

So, we examined 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 part of your audience. Alas, novice business owners often make the same mistake: they spend a lot of time connecting all possible options, when they could only set up accepting payments from bank cards and start making a profit at the very beginning of the Internet service.

Analysis of orders for various
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keep track of orders for specific brands
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70 conditions for flexible analytics and effective marketing

Accepting payments without moderation - a universal payment generator that will help you accept online payments without moderation and other formalities

Bootpay script for accepting payments without moderation

Unlike other similar scripts, my system has the ability not only to accept payments from payers, but also to track transactions in the history of transactions, manage the account status and notify the client about accepted / rejected payments.

Payment Methods:

Bank cards VISA, MasterCard and Maestro (several gateways are available without moderation);
- QIWI wallet;
- PayPal;
- WebMoney;
- PerfectMoney;
- Skrill;
- Eleksnet wallet;
- One wallet;
- Payeer;
- Bitcoin (several gateways available);
- ADV Cash;
- SMS payments (several gateways are available);
- Transfer to a Sberbank card;
- Bank transfer in rubles;
- Bank transfer in dollars;
- Payment on credit from UBRIR bank (for each loan issued, the bank pays remuneration of 2500 rubles).

Aggregator work

You install the system on your domain and activate the required payment methods. For each payment method, you must specify the details to which the funds will be received. Money goes directly to your account, bypassing intermediaries.

After you have installed the required payment methods, you can generate payment links. To form such a link, you will need to indicate the purpose of the payment, code number and cost. This link will be saved in the control panel and you can use it at your discretion: insert into the code of the button on your website, send the link directly to the payer or use the built-in tools to send the link by e-mail or SMS message.

When the payment is confirmed, an email notification is sent to the client, where you can insert a link, for example, to the product being sold.

Functional

Integration with MailGun API so that your emails never end up in spam. You can send 1000 payment notifications per month for free.
- Integration with SMS.RU to send a payment link in an SMS message to your payer;
- Integration with DataTable to search for payments on the fly;
- Payment page design management;
- Blocking payers by IP;
- other options.

Security

The script is protected from SQL and XSS attacks. There are no holes and holes - the source code is open and you can see for yourself. The system is completely independent of our domain and has no binding.

Installation

Unpack the downloaded system archive. In the archive you will find script files and an installation dump of the SQL database. Move the system files to the root folder of your site. Please note that if there is already a valid website in the domain root folder, Bootpay should be unpacked into a separate folder or subdomain.

In the hosting panel, go to the database management section and create a new one. Open the created database via phpMyadmin and import the SQL installation dump. If the database has been successfully imported, you will receive a notification about this.

Open the application / config / database.php file and register the data from the database you created.

"hostname" => "localhost", // Hostname or IP address
"username" => "user_bd", // Database username
"password" => "*******", // Password from the database
"database" => "name_bd", // Database name
"dbdriver" => "mysqli",

*/
$ config ["base_url"] = "http: // site /";
/*

There is very little left! Open the site in a browser - if you did everything correctly, you will see an authorization page and a proposal to create an administrator account. Follow the link to create an account, specify your login, set a password, name and description of the site. After successfully creating your account, remove the install controller at application / controler / install.php.
It's all! Now you can log in to the control panel and proceed to activate the required payment methods and create payment links

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Incoming call

Sberbank. Name. Hello!"

‎Dialogue script on credit cards of Sberbank of Russia.doc