Loading...
Main page  |  FAQ  |  Payment systems for websites and online stores

Payment systems for websites and online stores

2016-06-05 00:00:00

Online shops and community sites are popping up every day, one more perfect than the other. To attract customers and make it easier to pay for goods and services, online stores ask themselves the question: “Which payment aggregator contains a particularly rich set and functional is very popular? Which payment system to choose for the site? " It is important to study all the pros and cons of payment aggregates.

 

Important tips when choosing a payment system option for a website

When choosing a payment system for an Internet site, you should look for more information about it, in particular:

  1. The number of payment systems that are included in the aggregator (the more, the better).
  2. Availability of landline phone numbers.
  3. Customer base (note that there are no fraudulent sites among customers).
  4. Permit and certificates confirming the right to work in this area.
  5. Customer feedback on the payment aggregator.
  6. Easy to configure and connect the interface to the site.
  7. Offline mode availability (payment via terminals).

 

Varieties of reliable payment systems

There are many ways to pay for online orders, below are the most popular and reliable payment system options:

  1. Yandex. Money is a popular Russian payment system. The advantages are simple registration, an intuitive interface, minimization when paying in the system, the ability to use an Internet wallet from someone elses computer, the popularity of the application among many online stores, replenishment of the account by bank transfer, protection of personal data.

All these advantages make Yandex.Money an attractive aggregate. However, no one has yet canceled the shortcomings. The main drawback is the only possible ruble wallet. There is also no lending and a two-phase payment regime. When registering, you are required to indicate your real passport data, so there is no confidentiality in the unit. Legal entities are prohibited from creating an account; in case of violation, it will simply be blocked.

  1. WebMoney. Thinking about which payment system to choose for the site, it is worth studying the WebMoney aggregate. This is the most popular system on the world wide web. It was published back in 1998. Advantages: a high degree of reliability, a multi-level security system, the exclusion of the loss of electronic money, the ability to borrow money. It is a multi-currency system. Has a Russian representative - a guarantor of security. The disadvantages include: inability to serve foreign sites, a ban on opening a wallet to financial pyramids.
  2. Mobi.Money is a recently released payment system for internet sites. Advantages: payments from mobile devices, easy registration, high security of online payments. Mobi.Money is a convenient, flexible and secure tool for paying for goods and services from the personal accounts of cellular subscribers, bank cards and cash at retail cash desks. The disadvantages include the relatively high commission for the transaction, the mandatory presence of the amount on the subscriber account.
  3. RBK Money service - a payment system for the site was created by programmers from Russia and Ukraine. Advantages: advanced data protection tools, no low commission fees, the ability to make transfers between internal users of the system at an accelerated pace, as well as the ability to earn money on affiliate programs. There is a 100% money-back guarantee program if the user is a victim of fraudulent activities. Disadvantages: the unit of account is the Russian ruble, there are problems with the passage of payments, the system is not very stable. The user needs to confirm his registration data with a copy of his passport.
  4. IntellectMoney system is a universal payment and discount unit. It works according to the "cash-back" scheme. Thus, the discounts received under the discount program are credited to the users account of this system. Advantages: instant withdrawal of money to a bank card, security of payment for services of more than 750 companies, guaranteed transfers of electronic money to other users, making purchases in online stores. Disadvantages: high commission on payments, lack of round-the-clock technical support.
  5. Money Online is a versatile payment system for Internet sites. The advantages include low commissions for the withdrawal of electronic money, a variety of payment methods, of which there are at least 70. Disadvantages: lack of a single balance for invoices, request for supporting documents, system failures.
  6. The PayU service is another proven payment system for the site.

Its indisputable advantage is that PayU cooperates in addition to payment services and with many banks. We offer processing of digital transfers, acquiring of plastic cards. The module can be easily integrated into any online store. Multilingual interface is a significant plus in favor of PayU.

The disadvantages are seen in rather high transaction fees. There is information about isolated cases of loss of payments, mobile technical support is not enough.

 

Robokassa is an electronic payment service popular all over the world. Works in real time. The advantages include trust on the part of Russian and foreign companies, as well as government organizations. The system is protected by several layers. Complete absence of commission for purchases on the Internet and monthly fees, round-the-clock technical assistance. Disadvantages: applying for verification through the official website, payment is not fast enough.

To determine which payment system to choose for the site, it is important to weigh the pros and cons. It is recommended to install all payment aggregates on the website or online store, thereby not limiting the wishes and needs of customers. The most diverse functionality and fullness of the unit will undoubtedly find their fans in the face of website users.