Different payment methods but the most. Payment Methods. Cashless transfer of funds
One of the advantages of online stores is that you can pay for goods in almost any way.
The main methods of payment via the Internet:
- payment upon receipt of the goods;
- other payment methods.
Webmoney
Probably the most popular electronic payment system in the CIS and beyond. It is easy to use. Anyone can register and receive online wallet in any currency, be it rubles, hryvnia, dollars or euros.
By registering a wallet and replenishing it either with your bank card, or from a vending machine, you can already shop online.
Therefore, when developing your Internet site, be sure to give users the opportunity to use this system, since so many people use it.
Bank transfer
The essence of the method is that the buyer, having ordered the goods, must make a bank transfer to the seller's account.
V different countries many banks provide their clients with cooperation in the field of online commerce. So in Ukraine, for example, such services are provided by PrivatBank, and in Russia by Sberbank.
Payment upon receipt of goods
This kind of payment in the online store is the most popular. This is the specificity of our people, they are used to paying for the goods they are already holding in their hands.
Payment in the online store can be carried out either directly at the office, or upon delivery of goods by courier.
Other types
There are also many different payment methods: Yandex.Money, PayPal, Robokassa and others.
So we examined the basic principles on which the process of paying for goods in the Internet sphere is based.
Pay attention to other materials related to the opening of an online store.
The payment method in the online store, which is just gaining momentum and is not yet as popular as electronic money. The most popular and widespread network of terminals in Russia is QIWI. This company easily connects online stores to itself, concludes contracts with both individuals and legal entities, and the interest for withdrawing funds from their electronic wallet is not so high.
Depending on who you are, an individual or a legal entity, a tariff is selected and the process of connecting the online store to the payment system begins. If you natural person, then the commission for accepting payments is 1%. For withdrawing funds from you will be charged from 0% (to the bank account of an individual of a certain bank) to 2.5% for withdrawal through payment systems (Contact, Unistream, etc.). If you entity, then the commission for accepting payments in the online store depends on your turnover and the type of product. The funds received are transferred to your current account free of charge.
1.
From instant to 1-2 days
2. Security.
The security system is at a high level. But, as we said, double-check your payments.
3.
Is growing. Terminals are becoming more and more spread not only by large cities, but also in towns and villages.
4.
The most simple circuit It simply means copying the code from the Qiwi website and pasting it to yourself in a specific place, and this does not require programming skills.
5. Cash on delivery.
This payment method is closely related to mailing to the regions of Russia or to those places where the online store is unable to accept money by courier.
In the future, we will tell you how to reduce cash on delivery and increase the frequency of prepayments when sending by Russian Post.
1. The speed of receiving "live" money.
From a week to 2-3 months. "Loss" of parcels and money is possible.
2. Security.
Unfortunately, postal workers sometimes make mistakes and your money may not always reach you, so tracking and control of parcels sent and money received for them is mandatory.
3. Demand by buyers.
Very high. The main reason is the absence of another type of delivery in the regions. Remains the Russian Post. Not everyone makes a prepayment, so they choose cash on delivery. Therefore, such a demand.
4. Easy to use and connect to the online store.
The biggest difficulty is the packaging of goods according to the rules of the Russian Post + tedious filling out paperwork for sending a parcel with cash on delivery. True, there are ways to automate all this. We will definitely tell you about it.
It should be borne in mind that when receiving the parcel and paying for it, the buyer additionally pays about 6-10% of the purchase amount as payment for transferring funds to the seller. You can get acquainted with the tariffs for this.
How much will it cost to send the parcel with cash on delivery to the place you need.
Automatic tariffication for calculating First Class items.
6. Cash.
The only one of all the methods listed above that requires a cash register. And that is not in all cases. If you receive money through a third party agency agreement, then you do not need to knock out checks. And if you work with your own couriers or customers buy from your office, then you need a cash register.
1. The speed of receiving "live" money.
If you work with your own couriers, then usually on the day of the sale you already receive cash. In the case of working with third-party courier services, everything depends on the terms of the contract. On average, you get paid for orders from a week to 3 weeks.
2. Security.
High if we do not consider cases of theft by their own couriers or mistakes by third-party courier services.
3. Demand by buyers.
The tallest. They want to receive the goods as usual “today”, and only a courier will help us with this.
4. Easy to use and connect to the online store.
The easiest way of all.
7. Conclusion.
The organization of accepting payments in an online store is only at first glance a complicated matter. In fact, almost everything is already automated and self made not so much. Let's compare different payment systems according to their characteristics.
The speed of receiving "live" money
1. Electronic money;
2. Bank card;
3. Payment terminals;
4. Cash;
5. Bank transfer;
6. Cash on delivery.
Security.
By by and large, the security of all payment systems is now at a high level. We will only highlight separately the cross-checking of all electronic payments and extreme caution.
Demand by buyers.
1. Cash on delivery (due a large number residents throughout Russia);
2. Cash;
3. Electronic money;
4. Bank card;
5. Payment terminals;
6. Bank transfer.
Easy to connect to the online store.
1. Cash (does not require connection);
2. Cash on delivery (does not require connection);
3. Electronic money;
4. Payment terminals;
5. Bank cards;
6. Bank transfer (subject to automation).
The conclusions are at your discretion, since each owner of an online store pursues his own goals and it is difficult to advise everyone about one thing. In any case, if you can accept on the site all of the above payment systems for goods in the online store, it will only get better, since you will reach almost the entire Russian audience.
1. At the start, in addition to cash and cash on delivery, it will be enough for you to pay with electronic money and through terminals, since these systems are easy to connect and do not require special skills to use;
2. Streamline and automate payment business processes. Don't be lazy to connect your store to payment systems so as not to waste your time on invoicing and other things;
3. Be vigilant. If the name and surname of the owner plastic card differs from the recipient, you can already be wary;
4. Give a choice to the buyer. You shouldn't limit it to one or two payment methods;
5. When sending by Russian Post, persuade the buyer to prepay by offering him a discount or a gift for the order;
6. Try to highlight the type of payment that is beneficial for you.
We would love to hear your advice, your experience and answer all your questions.
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A modern resident of Russia faces the need to pay for goods and services, utility bills, other taxes and loans every day. We will introduce our readers to the various payment methods. We will tell you which form of payment is better to choose in a given situation.
How to make the right choice of payment method
Your task is to make a payment. There are a few possible ways, but which one to give preference to?
To begin with, we note the following: the payer is important not only the simplicity and convenience of the transaction, but also the size of the commission of intermediaries, that is, the financial profitability of the payment.
- The priority is transactions without a commission or with a minimum amount for paying for the services of intermediaries.
- As a rule, the recipient of the funds himself suggests the most profitable options payment. Nobody wants to lose clients.
- Feel free to ask questions on competent sites and forums.
Various payment methods and their features
Cash payment is the most common method. But there are a number of disadvantages here:
- physical money wears out, it can be stolen;
- pre-cashing may include a commission;
- the human factor is not excluded;
- it will take time to wait for your turn at the checkout.
Payment by credit card is the most profitable way payment for services and goods. For there is Grace period, in which there is no commission. There is only one drawback - bank cards are not accepted everywhere.
Electronic money is beneficial for making online purchases and paying for many services. Creation of an electronic wallet in the WebMoney, Yandex.Money and other systems, as well as the passage of identification, will require some skill. It's still convenient. Many modern transactions are carried out using electronic wallets.
Payment via SMS is convenient when trading virtual goods, however, it requires a large commission.
Optimal loan payment methods
It is more profitable to pay for your own using your own bank card, as well as in cash at the cash desks of bank branches or terminals. In this case, no commission is charged.
It is also possible to repay the loan using an electronic wallet. Especially if your salary is charged on it. If necessary, you will need to convert electronic money into another currency, and then, with minimum commission transfer them to repay the loan.
Payment methods for purchases on the Internet and regular stores
The most common methods of payment for goods are:
- cash payment upon receipt of the goods;
- payment by credit card;
- payment using an electronic wallet;
- payment via mail and others.
In ordinary shops, payment by cash or credit card is used.
Before choosing a final payment method, compare several popular options and it will be easier for you to make the right decision.
Advice from Compare.ru: When paying with a bank card, you can additionally save. The fact is that some banks have partners - shops, supermarkets, shopping and entertainment and other institutions. For the clients of their partner bank, they will surely give a good discount.
NRU HSE, the volume of 2016 - 1 trillion rubles - by 2020 will double. E-commerce entrepreneurs need to offer customers different ways payment. We will tell you about the pros and cons of each method and how to connect them (do not install an online cashier - you will run into a fine).
If the online store does not accept, say, cards or electronic money, the consumer can refuse to purchase. The more payment methods, the better. Find the best option in terms of cost and profitability, based on the composition of buyers, site and product, as well as Russian specifics.
According to payment aggregators, in the past two years, almost 57% of Russians paid for purchases with bank cards, about 14% - through online banking, 9% - in payment terminals, another 9% - with electronic money, slightly more than 8% - with mobile payments. The number of the latter is growing by 15-20% annually and has already reached 5 million. But the average check when paying from a phone account is only $ 3.5 (in the world - $ 42), which means that Russians are unlikely to pay for expensive purchases from mobile phones in the near future ...
Today's payment methods:
- by credit card
- by online bank transfer
or mobile bank to the account
- electronic money and wallets (Yandex.Money, Qiwi, WebMoney, etc.) or payment aggregators
- from phone account(MegaFon, Beeline, MTS, Tele2),
Payment via an online wallet is possible if your site is hosted on a paid server and has its own domain. An agency agreement is concluded with each payment system (for example, QIWI, Yandex.Money, Webmoney), an account is created, and the payment form code is embedded in your store. The balance on the wallet should not exceed 600 thousand rubles - according to the law, funds in excess of this amount are transferred to the current account of your company. Only individuals can pay for goods with electronic money.
If you don't feel like messing around with this, then a special aggregator for payments through wallets, online banking services and mobile payments are connected by intermediaries. You will save time, but give the intermediary from 0.7% to 10% from each payment.
A commission can be charged to both the seller and the buyer, but most companies cover this expense. In this case, the tax is paid from the amount received to the store's account before the commission is paid. According to the simplified tax system, 15% commission can be included in expenses.
Without an online checkout - no way
From July 1, 2017, the requirement of the law on use comes into force. In online stores, cashless payments from plastic cards and any electronic payment systems will go through a physical cash register. Checks to customers and tax authorities will be sent 5 minutes after the transaction, around the clock (including weekends).
For failure to comply with the law legal entities will be fined up to 100% of the check amount, but not less than 30 thousand rubles (the limitation period is a year from the date of purchase).
According to the calculations of the Chamber of Commerce and Industry, the total cost of installing equipment is from 56 thousand rubles (St. Petersburg) to 117.5 thousand rubles (Kemerovo region). The fiscal accumulator will have to be changed annually (small businesses - every three years). Fiscal data operator (OFD) fee - 3000 rubles per year. Software, registration of the cash desk at the Federal Tax Service - about 3 thousand rubles, and also workplace cashier with internet access ...
How to connect an online checkout
select from the register on the FTS website cash register equipment and contact your supplier. The checkout should be integrated with the information and accounting systems of the company (1C-Bitrix, "My Warehouse", "ATOL Online", etc.);
create a taxpayer's personal account and receive an electronic signature. Conclude an agreement with the operator of fiscal data from the register of the Federal Tax Service and through electronic signature register the cashier at personal account taxpayer. An application to the Inspectorate of the Federal Tax Service for registering the cash register can be submitted in person, in paper form.
Do you want to buy a sewing machine or overlock, repair parts, sewing accessories or fabrics for your atelier? Why look for all this in stores. It is much easier to make online purchases on the store's website and order delivery by courier or mail. Besides more favorable prices for goods, online purchases have a number of other advantages. For example, the opportunity, without leaving home, to pay for the purchase with a bank card and receive the ordered goods at home from the hands of the courier.
Modern trading methods require and modern ways payment for purchases via the Internet. For online purchases, you usually use a bank debit or credit card... You can receive a purchase with cash on delivery, as well as pay for purchases with electronic money.
The most convenient and fastest ways to pay for online purchases are money transfers via Internet services such as Webmoney, Qiwi, Yandex Money. But most often, payment is made by plastic cards, such as Visa Electron of Sberbank and other banks.
1. Payment for purchases by credit card such as VISA, MasterCard
The most popular way to pay for purchases on the Internet is plastic cards of various banks of the Visa or Master Card payment system. True, bank cards should be able to pay for purchased goods via the Internet. WITH back side such a card has a three-digit CVV2 code.
Just a few years ago, payment was made directly on the store's website. I had to take risks and indicate all the payment details of the card. Now, for the payment operation, it is enough to receive one-time password on mobile phone, and the payment process itself does not take place on the website of the online store, but in the bank that issued you the card.
And on the bank's website, you can create your own personal page, which is called differently in each bank, for example, in Sberbank - "Sberbank Online". Payment for online purchases is made almost instantly and with minimal commission, which saves time and money.
Before using such a service, your bank must open access to Internet banking for you and register you as a client. electronic bank.
2. Payment by wire transfer of funds
This method of payment for purchases on the Internet can be used if you have a checking account with a bank. The online store issues an invoice for payment for a certain amount for the purchased goods, and you pay for it through the bank by transferring money from your current account.
The method is undoubtedly convenient, but for organizations. For the average customer, this payment method is not so good, even if you have a checking account. You will first have to go to the bank to pay the invoice, then wait for the receipt of the goods and go to the post office to receive it. But this payment method has an undoubted advantage - you will know all the bank details of the store and reliable information about the seller, which gives the buyer a guarantee of receiving goods or services.
3. Payment for the purchase through Sberbank on the sent receipt
This payment method can be used if you do not have a bank card or electronic wallet. Payment for the purchase is carried out through the branch of Sberbank in cash according to the receipt sent to you by e-mail. In the store, they fill in all the columns of a standard receipt for payment of the purchase, indicating the amount and details of the seller's bank and send it to your email box.
You need to print the received receipt on a printer and go to the Sberbank branch to make a payment. After making the payment, inform the store in in electronic format details of the receipt. The store will check the payment and send you the ordered product to the specified address.
4. Cash payment upon receipt of goods
This is the most popular way to shop online. Its advantages are obvious. You see the goods with your own eyes before you give money for it. You can check it. In the end, you can refuse if something doesn't suit you.
Within one city, the courier delivers the goods ordered by you, passing the goods from hand to hand. You pay its cost, delivery services (sometimes they are free).
Out-of-town purchases are also possible using courier delivery, such as EMC postal delivery. But then the parcel is issued with cash on delivery, which increases its cost.
This is the present and future of online shopping. Extremely comfortable and quick way payment for purchases on the Internet. Small commissions, simplicity and convenience of services, the ability to buy and pay for purchases in any currency and anywhere in the world. This one is pretty new way payment via the Internet is constantly being improved, it is becoming more reliable and affordable.
With electronic money, you can pay for the phone, buy clothes, pay for utility bills, order air and train tickets, and even dine.
Electronic money is the most modern and convenient way payment for purchases in online stores. The most famous Russian payment systems: WebMoney, Qiwi, Yandex Money and others.
To perform payment transactions with electronic money, you must have your own electronic wallet in this payment system, and, accordingly, money in the wallet. To open a wallet, you need to go through a simple registration procedure in one of the selected payment systems and transfer a certain amount of money to an open account.
You can transfer money to your wallet using terminals, transfer from a bank card, postal order. To replenish the balance of the wallet through the terminal, you must select a payment system and indicate the wallet number. Advantages: simplicity of the payment process, speed of funds transfer and low transfer fees.
6. How to pay for purchases with cash on delivery
This is, perhaps, still the most widespread way of buying goods on the Internet. But time is crowding out this payment method because it has many disadvantages.
After placing the order, the goods are sent to the buyer by mail. The seller draws up a parcel with cash on delivery, and is obliged to pay an additional fee (interest) from the entire amount of cash on delivery.
Payment for the goods is made by you at the post office in cash, immediately before receiving the parcel. You must pay for the goods and pay in addition also interest on the amount of money transferred to the seller. In addition, you will need to fill out a form postal order... You must definitely indicate your passport data in the postal order form and accurately indicate the details of the recipient.
It is up to you to decide which payment method for online purchases suits you best. We can only say that this method of shopping on the Internet has one important advantage - the goods will be delivered even to the most remote corner of our country. The main disadvantages are additional fees for sending the parcel and for transferring money to the seller.
7. PayPal is the largest electronic payment system
PayPal is the largest international electronic payment system... She successfully works in 190 countries of the world and in our country as well. On PayPal.com you can choose Russian and easily register and open an account.
Almost all online stores in the world accept payments via PayPal.
Money to your PayPal account can come from various sources, including a bank card, which you must "link" to your account.
PayPal is a very reliable electronic payment system, but it does not yet have a number of restrictions. Therefore, if you have an international bank card Visa or Master Card, then purchases can be paid directly without using the PayPal service.
8. Transfer of money from card to card of Sberbank
Instead of a simple postal money order, today it is very convenient to pay for goods and services ordered in online stores using bank plastic cards, including a card Sberbank Visa electron. Transfer of money from card to card of Sberbank Visa is made almost instantly and with a minimum commission, which saves time and money.
If you register as a client of the electronic bank "Sberbank OnL @ yn", payment can be made even without using the terminal, but from your computer.
Transferring money from a card to a Sberbank card can be done through an ATM or terminal device. This service of Sberbank is now provided in almost all divisions of Sberbank of Russia.
9. Ways to transfer money from card to card of Sberbank
Money transfers from card to card of Sberbank are available for implementation in the following ways:
Transfer through ATMs of Sberbank of Russia.
Transfer through Sberbank self-service payment terminals.
Transfer through the "Sberbank OnL @ yn" system.
Transfer through the "Mobile Bank" system.
Money transfers are carried out on the accounts of all bank cards (Visa Gold, Gold MasterCard, Visa Classic, MasterCard Standard, Sberbank-Maestro, Sberbank-Visa Electron, Sberbank-Maestro "Social", Sberbank-Maestro "Student", Sberbank-Maestro "Momentum").
Transfers from card to card are carried out according to the card number of the recipient of the transfer.
The commission for the transfer from card to card, if it relates to a paid service, is charged from the account of the sender's bank card from which the transfer was made.
To transfer money from card to card through an ATM, the sender will need the recipient's card account number. When transferring an account number and making a transfer through an ATM, you must be extremely careful. The procedure for transferring money through an ATM consists of the following operations:
Insert your card into an ATM or payment information terminal.
Enter the PIN to identify your card.
In the main window, select the service "Money transfers" or "Transfer of funds".
Enter the card number of the transfer recipient. The recipient's card number can be 16 or 18 digits.
Enter the amount of the transaction and indicate the type of currency, for example, rubles.
To complete the transaction, confirm the operation.
The funds will be debited from your card and sent to the account of the card number you specified; Don't forget to pick up your receipt.
The transfer fee is charged from the "sender's card" account.
The article is based on materials from the Finuse.ru website - "About personal finance".
10/02/2012
You can buy an overlock while sitting at home at your computer. It is enough to find a popular and reliable online store of sewing equipment, choose the right model. It would not hurt, if possible, to contact the store's consultant and find out in detail all the details of the purchase, delivery and payment. At the same time, you can find out more about the overlock model you have chosen, perhaps the consultant will offer you another model.
It is not always possible to find immediately the required amount and buy an expensive sewing machine for yourself or as a gift. For such cases, banks offer to use consumer credit and buy a sewing machine or overlock, which you have dreamed of for a long time, right in the store, without visiting the bank and not providing various certificates, except for a passport. It is very convenient and sometimes really profitable, because by purchasing a good sewing machine, you can earn more, or at least sew a lot of things for yourself and save a decent amount on clothes purchases.
Internet purchases of household appliances according to sales statistics are the most popular purchases of goods over the Internet. Basically, of course, they are produced within the same city. If you decide to buy a sewing machine over the Internet and pay for the purchase without seeing it, there is a chance that something will not suit you. Make sure that this is the type of machine you need. Read also the reviews about this online store. Check if they have additional details besides payment details.
In small settlements there is simply no place to buy a pedal for a sewing machine, since there is no store that sells sewing equipment. In this case, you can order a pedal in the online store and pay for the purchase in one of the ways convenient for you.
Electric motors are not sold separately. They are always equipped with a standard engine mount to the car body, connecting wires and a pedal. If you do not have the opportunity to buy a new electric actuator in stores in your city, you can buy it in the online store. Payment can be made from a bank card account or received a parcel with cash on delivery.
Already own a sewing machine, but need an overlock for sewing fabrics? If you are looking to buy an overlock, read this article. In it you will learn that in addition to the overlock, you can also use another technique for overcasting fabrics, called the overlock.