From the author: Hello, friends! According to statistics, about 10% of visitors to an online store are eliminated even at the stage of paying for a purchase, because they simply cannot understand how to pay for a product or service, or the form of payment presented on the site is inconvenient for them. In our article today, you will learn how to make a payment in an online store. And this is perhaps the easiest way to increase the number of sales without investment.

Since most people start creating an online business without legal registration, we will consider the process of connecting a payment to an online store to an individual. Our current task is to organize the process of transferring money from site users wishing to purchase goods to your bank card. Moreover, everything should work in automatic mode.

If you are creating an online store for the first time, we recommend that you first familiarize yourself with the creation of effective commercial sites. If you have a ready-to-sell online platform, you can immediately proceed to consider the question of how to organize payment in the online store.

The technical side of the issue

From a technical point of view, the process of creating a payment in an online store is as follows. The customer completes the purchase and receives an invoice. Next, he chooses a suitable payment system and enters the necessary data to make a payment.

If the user specified everything correctly, then the payment system server sends a request to the specified URL of the online store, and the trading platform, in turn, transfers the money to the client's account. In case of incorrect data or other technical failures, the system will notify the person that the payment has not passed.

If the operation was successful, then the person will be transferred to a special page, where there will be a comment indicating that the payment has been made and the money has been credited.

Choosing a payment system

There are many different payment systems, however, let's dwell on how to set up payment in an online store based on the 5 most popular of them.

Robobox

The connection takes place in a few simple steps: register on the site, enter the data of the online store, set up the payment form on your site. The specifics of working with Robokassa also require a special moderation. The system requires the following characteristic details on your website:

contact information with representatives of the store.

The payment commission varies depending on the chosen payment system and can reach 12%.

W1

Connection is carried out in the same way: registration, indication of personal data, setting parameters for your own needs. Commission - from 3%.

Qiwi wallet

The basic connection procedure is also straightforward. You go through a quick registration, then a certain manager is assigned to you, with whom you undergo further consultation on technical issues. The specificity of the Qiwi wallet involves, in addition to entering standard data by the user, also checking for the validity of the phone number.

Qiwi commission is 1% from all transfers.

Yandex money

This is one of the most popular types of payment systems, so we decided to mention it too so that you don't have any questions about this. The Yandex.Money system does not involve working with individuals. Moreover, even if you entity, then there is still a minimum financial limit, below which cooperation with the online store is impossible.

Therefore, connecting Yandex.Money will have to wait until the store picks up the proper speed. If the availability of this payment method is of fundamental importance to you, then give preference to Robokassa as the main payment system of your online store. It is the only external platform that supports Yandex.Money.

WebMoney

It will take a little more time to organize automatic payment acceptance in the WebMoney system. First of all, you need to register a personal passport. This may take about a week, because WebMoney requires a notarized statement to be sent via Russian mail.

After that, add the online store to the catalog of sites on megastock.ru. It will take another 1-3 days. The advantage of the system is that you can test the payment (in fact, everything goes through the standard way, only the money is not withdrawn). This advantage allows you to catch errors in your code in advance.

The funds transferred by the client go to the WebMoney purse specified during registration. The commission is provided only for making the payment itself (withdrawn from the client).

What is the value of connecting online payment?

However, owners of physical goods will also significantly benefit from connecting the payment system to an online store. The latter will save a lot of time from forwarding the account number to customers and unnecessary expectations while people reset the required amount. In turn, payment systems will allow buyers to save on delivery and relieve them of financial red tape.

It is worth noting that we have not studied all existing payment systems, but only the most popular ones.

How to be legal entities?

To connect online payment to an online store for a legal entity, you need to follow almost the same steps. Consider only the fact that it will take a little more time to organize the process. This is due to the need to conclude a formal agreement providing for more thorough checks of your activities.

You have received a detailed answer on how to choose a payment system for an online store and connect it properly. The procedure is simple, the main thing is to carefully fill in the data during registration, otherwise then you will spend a lot of time correcting them in the support.

If you have a desire to learn more about the functionality of your online store, we recommend that you take note of several useful online courses from.

Credit settlement method Is a convenient form of payments for MTS services, in which you can pay for services only once a month - in the amount in which you used them in the previous month.

When and how much to pay?

Every month after the 5th day, when requesting the balance * 100 #, you will be able to see the invoice amount for the services rendered for the last month, which you need to pay in full no later than the 25th day of the current month.

How to connect?

Who Can Benefit?

An application for the provision of a credit method of payment, sent using a USSD request, is considered in the following cases:

• your number is not registered for the organization;
• any of your subscriber numbers has been serviced by the company for more than 180 days;
• the subscriber number for which you are applying is serviced by the company for more than three full calendar months;
• you are not served on tariff plans "Absolute", "Persona", "Guest", "Guest 7", "Guest 30", as well as on tariff plans for corporate clients;
• the subscriber number is issued for a passport of a citizen of the Republic of Belarus or a residence permit in the Republic of Belarus with a mark of registration at the place of residence in the Republic of Belarus in the specified documents;
• "Home Connect" services are not provided to your personal account;
• you have no overdue installments for equipment;
• you have no arrears in payment for communication services, except for the current debt when using the credit settlement method;

MTS has the right to refuse to provide the credit method of payment without explaining the reasons for the refusal.

How to disable?

If you decide to turn off the credit method of payments (return to the advance method of payments) - you need to replenish your account to a positive balance and send a USSD request * 150 * 0 #.

Submitting an application for the provision of a credit method of settlement means agreement with the "Regulations on the procedure for providing a credit method of settlement for communication services with subscribers of Mobile TeleSystems JLLC".

1. General Provisions.

1.1. These Regulations determine the conditions and procedure for providing subscribers of Mobile TeleSystems JLLC (hereinafter referred to as MTS) - individuals (hereinafter referred to as Subscribers) with a credit method of settlements for MTS services.

1.2. The credit settlement method is a form of settlement of Subscribers under the Service Agreement (hereinafter referred to as the Agreement) and is a method of subsequent payment for MTS services carried out by the Subscriber at the end of the reporting period for their provision (calendar month).

1.3. Different payment methods (advance and credit) cannot be simultaneously provided for one personal account.

1.4. MTS has the right to unilaterally change this Regulation by publishing the relevant information about the changes on the official website www.site.

1.5. This Regulation contains special conditions for the provision of a credit method of settlement, which have priority in case of discrepancy with the Procedure for the provision of communication services of JLLC Mobile TeleSystems. In all other cases not regulated by this Regulation, the Subscriber and MTS are guided by the provisions of the Agreement concluded between the Subscriber and MTS, and the Procedure for the provision of communication services by Mobile TeleSystems JLLC.

2. Conditions for granting the credit method of settlement.

2.1. The credit method of settlement in accordance with this Regulation is provided to MTS subscribers - individuals who are residents of the Republic of Belarus, if there is information regarding this subscriber in the MTS ACP about a valid passport of a citizen of the Republic of Belarus or a residence permit in the Republic of Belarus and an address of permanent registration on the territory of the Republic of Belarus.

2.2. The credit method of settlement provided for by this Regulation is not provided:

2.2.1. in respect of subscriber numbers served on tariff plans "Absolute", "Person", "Guest", "MTS SMART Guest", "Corporation", "Corporate 1", "Corporate 2", "MTS Connect", "Business", "SMART OFFICE";

2.2.2. in respect of personal accounts for which MTS provides services for fixed broadband Internet access;

2.2.3. Subscribers whose subscriber numbers have not been serviced by MTS for more than 180 calendar days;

2.2.4. in relation to subscriber numbers that are served in the company for less than three full calendar months;

2.2.5. if there is a debt for MTS services, with the exception of current debt, which is generated when using the credit method of calculations;

2.2.6. if there is an overdue debt for equipment sold with payment by installments;

2.2.7. in other cases provided for by MTS.

2.4. MTS has the right not to provide Subscribers with information on the full list of criteria on the basis of which a decision is made to provide (or not to provide) a credit method of settlement, and the content of these criteria, and also has the right to refuse to provide a credit method of settlement for Subscribers with an advance payment method without explaining the reasons for refusal ...

3. Credit limit.

3.1. MTS has the right to establish a credit limit (credit limit) for Subscribers with a credit settlement method.

3.2. Credit limit - the maximum allowable amount of negative balance on the Subscriber's personal account, upon reaching which MTS has the right (but is not obliged) to restrict or suspend the provision of services.

3.3. The methodology for calculating the credit limit is determined by MTS independently, depending on the list, volume and cost of the services used by the Subscriber and is not subject to notification of the Subscriber.

3.4. The credit limit is recalculated automatically once every 3 full calendar months from the date of the initial provision of the credit settlement method in accordance with these Regulations. The new amount of the credit limit is available from the 5th day of the calendar month following the period for recalculating the credit limit.

4. Terms of payment.

The subscriber undertakes to fully repay the debt for the services rendered for the previous calendar month no later than the 25th day of the calendar month following the reporting one.

5. The procedure for suspending and resuming the provision of services to the Subscriber when providing a credit settlement method is determined The procedure for the provision of communication services by Mobile TeleSystems JLLC.

6. Granting and cancellation of the credit settlement method.

6.1. The granting and cancellation of the credit method of settlement for services (changing the credit method of settlement to advance) is possible only with a positive balance of the personal account.

6.2. The provision and cancellation of the credit method of settlements for services (changing the credit method of settlements to the advance method) is carried out after processing the technological settings necessary for its provision / cancellation by the MTS software and hardware complex.

6.3. The Subscriber can check the possibility of providing a credit settlement method (without making an application for its provision) in one of the following ways:

6.3.1. by sending a non-chargeable USSD request * 150 * 1 #;

6.3.2. by contacting the MTS Subscriber Service Center, MTS Contact Center.

6.4.1. by sending a non-chargeable USSD request * 150 #;

6.4.2. by contacting the MTS Subscriber Service Center, the Trade Facility of MTS commercial representatives;

6.4.3. by contacting the MTS Contact Center.

6.5. The time interval between the execution of an application for the provision of a credit settlement method using the method specified in clause 6.4.1 of these Regulations and the receipt of a response to this application can be up to 24 hours.

6.6. You can cancel the credit settlement method (change the credit settlement method to advance) in one of the following ways:

6.6.1. by sending a non-chargeable USSD request * 150 * 0 #;

6.6.2. by contacting the MTS Subscriber Service Center, the Trade Facility of MTS commercial representatives;

6.6.3. by contacting the MTS Contact Center.

6.7. Performing any of the actions specified in clause 6.4 of this Regulation, aimed at changing the advance payment method to a credit one, means the Subscriber's consent to provide him with a credit method of payment for services, and also confirms the Subscriber's familiarization and agrees with the terms of this Regulation.

7. Termination of the provision of credit settlement method.

7.1. MTS has the right to terminate the provision of services based on the credit method of settlement in accordance with this Regulation (change the credit method of settlement provided under the terms of this Regulation to advance), in the following cases:

7.1.1. non-payment by the Subscriber of the debt for communication services or for subscriber equipment purchased by the Subscriber with the condition of payment by installments, within 30 or more calendar days from the expiration of the established payment period;

7.1.2. if the average monthly charges on the current personal account for telecommunication services for the last 6 full calendar months were less than 1 ruble (including taxes);

7.1.3. change the tariff plan to tariff planspecified in clause 2.2.1 of these Regulations in relation to the subscriber number for which the tariff plan was changed;

7.1.4. in case of change of the owner of the subscriber number. Change of the owner of the subscriber number for Subscribers with the provided credit method of settlement is possible only with a positive balance of the personal account;

7.1.5. in other cases, without explaining the reasons for the termination of the credit settlement method.

7.2. The repeated provision of the credit method of settlements to the Subscriber, to whom the provision of this form of payment was terminated in accordance with clause 7.1 of this Regulation, is carried out in a general manner, subject to the criteria provided for in this Regulation.

8. Reflection in the balance sheet and information.

8.1. The subscriber is informed via SMS about the need to replenish the balance to prevent blocking when the debt amount reaches 70% of the established credit limit.

8.2. Every month, before the 25th day of the calendar month following the reporting month, the Subscriber is informed by SMS-messages about the need to top up the balance to prevent blocking.Dates of sending SMS-messages: 10th of each month; 20th of every month.

8.3. Failure to receive SMS-messages specified in clauses 8.2 and clauses 8.3 of these Regulations is not a reason for refusing to pay by the Subscriber for services or a basis for receiving a deferral or installment plan for payment.

8.4. The SMS-informing specified in clauses 8.2 and 8.3 may not be received by the Subscriber in case of limitation of his ability to receive SMS-messages, as well as in the case of a forced blocking.

8.5. The Subscriber shall be notified of the termination of the provision of the credit settlement method (change of the credit settlement method to advance), in the cases specified in clauses 7.1.1, clauses 7.1.2, clauses 7.1.5 of these Regulations, no later than 5 calendar days before the termination of the credit settlement method.

8.6. The Subscriber can obtain information about the current amount of the credit limit in one of the following ways:

Using an Internet Assistant;

Using the mobile application "My MTS".

8.7. The Subscriber can get advice on the procedure for providing a credit settlement method by contacting the MTS Subscriber Service Center, the MTS Contact Center.

9. Other.

A subscriber who has been provided with the credit method of settlement in accordance with this Regulation can pay for services through the MTS Money and iPay systems only if the balance of the personal account is positive.

In this review, we will try to understand the question of how to disable services on MTS, if they are charged. Sometimes it happens that the subscriber dials up services that are incomprehensible to him, which he does not need, and he is charged money for them. Usually it happens like this: a subscriber buys a service package, which consists of certain paid and free services. After some time, the conditions change, and some of the services are already paid. Thus, the subscriber begins to write off more money than he planned. Sometimes it happens that the subscriber does not receive a notification about this and he begins to incur unforeseen expenses. To prevent this from happening to you, we recommend that you actively use where all operations with your number can be performed in a self-service format.

Sometimes, together with the activation of packages, paid subscriptions are connected. Also, this can happen at the time of receiving SMS-mailing, and the user himself can accidentally or on purpose carry out the operation of connecting a subscription in the menu. As a rule, the subscriber forgets about such subscriptions, and they begin to withdraw funds from his account. It may also be the case that someone close to the subscriber somehow connects a paid service or randomly subscribes to paid content, so be careful: always keep an eye on the services on your account.

Disabling all paid services on MTS using a PS or mobile device

Not everyone knows that all the services, because of which funds are spent, can be turned off easily, without any particular problems. This is usually required when traveling, going on a trip, or switching to a more budgetary lifestyle. To disable services in this case, you need the Internet from any of the available devices. If you are using mobile phonethen it is best to use an API application.

To use your Personal Account from a PC, you should enter online.mts.ru and log in via SMS received on your phone. The same thing, by the way, can be done with mobile device... Read on to find out all the details about subscriptions, services and their deactivation.

USSD and SMS application

You have the opportunity to disable all paid MTS services with one command by applying a USSD request. Also, a free SMS service is available to you for such purposes.

You just need to dial a USSD number on your device or send an SMS to the corresponding number. This will disconnect you from services instantly. Yes, you can apply the support service too 0890 , but this does not compare with the speed of USSD and SMS. You can quickly, right on your phone, check the list of services, services, subscriptions that you have ever connected, and delete them there.

Most useful commands

Do you want to monitor your services? Then use the MTS USSD service. For such commands, the main functions are available to you:

• "My services" - *111*11# ;
• Paid services - *152*2# , *152# - entering the main menu, where you can see the items for viewing services, as well as their connection and disconnection. So you can find out about paid services of MTS.

To manage your account, namely to disable specific services, you will also need the following numbers:

• "Beep" - *111*29# , call to 0550 and selection of the corresponding item, as well as SMS to 111 with text 21510 ;
• GPRS - *111*38# , *111*338# , SMS to 111 with text 21220;
• Caller ID - SMS to 111 with text 21130;
• "You've received a call" - SMS to 111 with text 211410 ;
• "Everywhere at home" - SMS to 111 with text 21500 ;
• "Voice mail" - SMS to 111 with text 90 (space) 2 ;
• Call barring - SMS to 111 with text 21190 ;
• "Conference call" - SMS to 111 with text 21150 ;
• "Favorite number" - SMS to 111 with text 21410 .

The above services are the most frequent and popular. When using the above commands, they are instantly disabled. You can enter the subscriber service itself by the command *111# ... We would like to note that all this is provided free of charge! Next, you should select the service you need to delete and enter the corresponding numbers. This contains all the services available for deactivation.

Disabling services through the Personal Account

You've probably heard a lot about the MTS Personal Account? This service makes it possible to disable unnecessary paid services instantly, with one click. This is a useful service for managing your account, services, subscriptions and more. Here you can safely enable and disable the necessary services. This method is undoubtedly better than contacting support.

So, how to disable paid services on MTS on your own through your Personal Account? Take the following steps:

• Go to the website login.mts.ru and log in using your personal login information (login and password).
• If you are for the first time, then you need to make a request for a code that will be sent to you by SMS after the request. To do this, click on the link "Get password by SMS", which is located next to the login and password entry form.
• After a successful login, go to the "Tariffs and Services" menu, and there - "Service Management".
• Select the option you want to remove and click "Disable".
• Select the option you want and click Disable.

If you did everything correctly, the service will be deactivated after a few minutes. Check your detail through the menu by clicking "Service Management" or immediately find the item "Detail".

Registration in the Personal Account

Not everyone knows how to use the Personal Account. By the way, we already wrote about this in the section. If you are a beginner, we will help you with more details. Follow these steps to register:

• Login to the company's portal using the links mts.ru or online.mts.ru.
• If you have chosen the first link, enter your Personal Account by clicking in the upper right on "My MTS". There go to "Mobile communications".
• Log in. First enter your number in long distance format.
• Now you need to enter your password. If you do not know it, click "Get password by SMS".
• Receive SMS and enter the received combination in the password field.
• Change the temporary password in the "Settings" to your permanent one.
• That's all. You are in your Personal Account.

Checking subscriptions

So, you have entered your Personal Account. Now it's worth checking the subscriptions and unsubscribing from those you don't need. The following methods exist to check the list of subscriptions:

• A service called "My Content".
• Command application *152*2# .
• Call operators on 0890 .

These services will provide the ability to maintain and control costs. You can find out the details for the month using *111*341# , and detailing for a certain period - *111*342# .

How to disable subscriptions to MTS on the Internet?

Sometimes some subscribers do not even know that they are paying scammers for their subscriptions. For example, the following situation may arise: you receive a message with an offer to participate in any action and a request to send an SMS for this to a short number; you send a message and make a subscription you don't need!

How to fix this error if you have already subscribed? Enter "My Content" using the link moicontent.mts.ru. In this section, go to "Active subscriptions". You will need authorization in your Personal Account. Then you just have to turn off the subscriptions on your page.

Note: in this way, you only disabled the subscriptions connected to you, but did not protect yourself from potential subscriptions in the future.

Unsubscribe via USSD

Do you want to quickly get rid of subscriptions? Choose USSD service. Dial *152# and enter the menu of your subscriptions and services. It can also be done immediately on command. *152*2# ... On the screen, you will see the number of the item for deactivating a particular subscription.

We hasten to say that there is such a service as Content Banning, which allows you to unsubscribe from any subscriptions and is connected free of charge by the MTS operator. This is the most effective way to prevent any paid subscriptions from connecting. This is especially true if a child uses the phone.

Disabling subscriptions by sending SMS

There is another option for disabling subscriptions: by sending SMS. In this case, a certain technical trick is applied. The subscription comes from a specific number to which the subscriber subscribes. You can cancel this subscription not only by USSD request, but also by sending SMS. This is the easiest way to get rid of intrusive content.

So, you should send an SMS to the number from which the mailings come. Enter a value in the message body "STOP" or "STOP" ... If you unsubscribe successfully, you will receive a notification. Also, instead of the above values, you can enter the number «0» .

How can I protect myself from subscriptions?

A simple unsubscription in your Personal Account is not enough if you want to get rid of subscriptions forever. After all, after unsubscribing, there is a chance that you will again fall for the subscription of content you do not need, and the problem will return. But there is a solution! After all, it is possible to disable subscriptions forever, and we have already mentioned this above.

Content Ban service on MTS

This service is connected with your operator by the number 0890 or in the MTS communication salon. Also, access to the connection is available in the Personal Account, and you can also use the SMS method.

This will help you significantly save on communications. Through your Personal Account, you can check all content services and disable those you do not need. Here everything is done "with one touch", the control is very convenient. Connection of the service is free, but for disconnection they already take one ruble.

To do this, you just need to follow some simple rules:

• You should pay attention to the fact that when you connect to a certain tariff, some subscriptions may automatically be activated, which become paid after the time expires, so be careful: follow the list of connected services and your account.
• It is worth minimizing children's access to the functionality of your device, to your account.
• You shouldn't take part in dubious promotions.
• Install the antivirus on your device.
• Enter your Personal Account via mobile app and control costs.

All this will certainly prevent you from unnecessary expenses for unnecessary services.

How to disable paid MTS services by calling the operator?

If you do not want to control your services yourself, you can leave this matter to the MTS customer support service. To do this, call 0890 ... All of the above actions that can be performed using the self-service office, commands and SMS can be performed for subscribers by the operator of the MTS support service (0890). If you do not have access to your Personal Account now, then you can easily apply this method.

Operator capabilities:

• disabling active paid services on your account when you are in roaming and do not have access to the network;
• canceling subscriptions;
• setting up service packages;
• enabling "content ban".

Conclusion

If everything is done on time, you will not lose your funds just like that. So be careful when you connect to any tariff. Note that only the owner of the number has the right to declare the refusal of unnecessary options, subscriptions and other things.

Despite the fact that there is a risk of accidentally subscribing to unnecessary services, it is still better not to block content by connecting the above service. The main thing is that the received content is connected with your consent, but do not succumb to any kind of deception. Note that, for example, services such as balance control still remain connected, since Content Ban only applies to commercial subscriptions.

So, here you have read all the ways to unsubscribe from all kinds of paid subscriptions. Now you know how to disable SMS services on MTS, in other words paid subscriptions... We hope our information helped you deal with your problem. If not, then we ask you to leave all your questions in the comments!

Mobile Telesystems company provides high quality services on the territory of the Republic of Belarus. The advantages of using are the MTS credit payment method. Before activating the service, you should carefully read the current terms of cooperation in order not to face unforeseen situations in the process.

For services mobile communications the ability to pay with a convenient form of calculation is presented. Payment is made once a month in an amount equal to the expenses for the previous reporting period. This method of using the service is as convenient as possible, since it allows you not to monitor the balance, staying always in touch.

The "On Full Trust" option is post-paid. The credit of trust has firmly entered the life of the majority of subscribers, since it excludes the possibility of partial or complete blocking.

Payment

The credit method of payment of MTS in Belarus provides for the introduction of money to the account no later than the 24th day of the next month. The subscriber must be warned 7 and 1 day before the end of the terms by SMS notification. The message contains the amount of the debt and the deadline for payment.

You can clarify the amount of debt yourself. To do this, you can use any of the following methods:

• USSD request - * 132 #.
• "Personal assistant".
• Support service - 0890.

How to connect a credit payment method MTS

The credit method of settlement of MTS implies the establishment of an initial limit. For new subscribers, it is no more than 300 rubles. If payments are made regularly, then after a few months it will increase.

The telecom operator will periodically analyze the costs of each user, displaying an average and increasing by 20%. The amount received as a result will be the limit. After 6 months, the limits will increase by 50%. If you do not pay the current debt on time, the number will be blocked.

The service can be activated by those subscribers who meet the following criteria:

1. Have been subscribers of the company for at least 3 months.
2. The amount of monthly top-up is at least 200 rubles.
3. Have no debts on current and other accounts.
4. Have a positive balance.

Activation of the option "On full trust" is carried out using a USSD request - * 111 * 32 #. If you wish, you can use your personal account on the official website of the company or contact the service center.

How to disable credit payment method MTS

For those mobile users who, after using the option, decided to deactivate it, the following deactivation methods are provided:

• Dial USSD request * 111 * 32 #.
• Use the "Internet Assistant".
• Contact the company office.

The majority of subscribers will continue to use this service on an ongoing basis, since it is the most convenient and profitable. To ensure that the option does not cause any problems, you should carefully study the general conditions of use before connecting it.

Procedure for providing

Each subscriber can independently influence his own balance. To do this, you need to fix the current limits, regularly make payments and expect an increase in the permissible amount of debt. If necessary, you can limit the limit so as not to get into big debts. To manage your own balance, you can use personal Area or SMS menu - * 111 * 2136 #.

If you have any additional questions, call tel .: 0890. Experienced employees of the company will help you sort out any technical or informational problem.

There are many aspiring entrepreneurs who are going to launch an online store. How to do it correctly without breaking the law? Let's figure it out in this article.

In general, there are two ways to organize online payments: to organize direct payment acceptance through the acquiring bank and, that is, through an intermediary.

Which method is more profitable? It depends on the size of your business. For a fairly large company with a decent turnover, the first option will be much more profitable: the costs of connecting to the payment system will pay off relatively quickly. For small firms just starting a business, it is recommended to pay attention to the second option. The payment aggregator allows you to connect several types of payment at once, which can be beneficial in order to attract customers. In this case, the aggregator's commission will be cheaper than the payment for using the payment system.

How to directly connect internet acquiring

In order to accept money on your website using plastic cards, you first need to make a choice of the bank with which you will work. This is not an easy task. What is recommended to pay attention to?

• Commission. Banks establish a certain amount of commission, usually a certain percentage of each payment made. Find out the conditions of the bank in advance. Note that the optimal commission size is up to 3%.
• Whether the bank charges a connection fee.Many banks do not charge additional fees for this operation.
• Does the bank have its own processing center? If there is, then the cost of the services of such a bank will be less compared to other offers.
• Payments from which cards can be accepted. Acceptance of the most common cards - VISA and MasterCard - must be configured.
• Does the bank require collateral in the form of a deposit. If there is no such requirement, then you do not need to always have an inviolable amount on the account.
• Does the bank have technical support. Technical support should be even better if it is around the clock. So you will protect yourself from unforeseen situations, as you can always solve the issue that has arisen.

Evaluate the banks for all the listed parameters and choose the best option. Then you need to submit an application for connection and a package of documents to the selected bank. The composition of the documents provided is determined by the bank. The bank also checks your website whether it meets the technical requirements or not. If all the requirements are met, then you can set up integration with the bank system.

When using this option, all customer payments will be sent to your current bank account. It should be noted that Internet acquiring as a procedure is completely transparent for tax authorities.

What to do with an e-wallet

There are many nuances with accepting payments to e-wallets.

First, a separate law "On the National Payment System" is devoted to this area. According to this regulation, if you want to use a wallet for business purposes, it must be corporate. This means that to create it, you must specify the details of your company, and then link it to your current account: you can replenish the wallet or withdraw funds from it only to this linked account.

Secondly, in order to start such a wallet, you need to sign an agreement with the chosen payment system. It must comply with the provisions of the law and apply to credit institutions. The most famous of these systems are Yandex.Money, Paypal, some also use QIWI. Webmoney is also very popular, but it does not fall under the aforementioned law, therefore it can offer an agency scheme of work. The nuance is that in this case you will not have to register in the system itself, that is, if you violate the law, you will not.

Third, the chosen payment system will also check your site. The main requirements are:

• first / second level domain;
• hosting the site on a paid server (a free server will cause a refusal);
• the relevance of the contacts indicated on the site.

You can conclude an agreement and set up accepting payments only if you receive a positive opinion after verification.

Finally, there are restrictions on the acceptance of electronic money. Payments can only be made by individuals, individual entrepreneurs and organizations cannot conduct settlements with electronic money among themselves - this is prohibited by law. The limit on the balance of money on a corporate wallet is set at 600 thousand rubles, all funds in excess of the limit will be transferred to the current account without your order.

Thus, it is prohibited to use a personal wallet in business. This is considered a violation. If small turnovers in the amount of 10-30 thousand rubles can go unnoticed, then it is impossible to use it in business with high turnovers.

How to work with a payment aggregator

The payment aggregator allows you to use several payment methods at once, for this it is not necessary to sign an agreement with each payment system. The aggregator, within the framework of a single agreement, will set up the desired payment acceptance option for you, acting as an intermediary between the entrepreneur and the service provider.

The main advantage of the agreement with the aggregator is that there is no need to develop your own payment page. This significantly speeds up the procedure for connecting to online payments. You do not need to track multiple wallets at once. All funds from clients will be credited to the aggregator's account, and then transferred from it to your details. For such a service, the intermediary usually charges a higher commission.

There are many popular aggregators, for example, known to everyone. It is necessary to choose an aggregator according to approximately the same criteria as an acquiring bank: you should pay attention to the size of the commission, conditions and terms of connection, availability of technical support.

Internet Sales Tax

Novice Internet businessmen most often pay taxes according to the simplified tax system. By law, tax should be calculated on the amount that was received from the client, and not on the amount that entered your current account after deducting the commission. This is due to the fact that sales revenues are considered as the cost of all goods and services. When calculating the tax on the simplified tax system, income is reflected on the date of payment by the client.

If you use the simplified tax system with the “income minus expenses” base, then the amount of the commission can be included in the expenses. The confirmation document of the date of receipt of income can be an e-wallet statement, payment register or other report that the aggregator provides you. The commission is usually taken into account on the date of the confirming document, since it is debited immediately when making a payment and it is quite problematic to take it into account as of the same day.