Overview of payment aggregators for receiving payments

If you are an online store owner and you want the buyer to pay for goods in a convenient way, you have two ways: connect and set up payment for each payment system separately - suffer with integration, signing contracts ... or do everything quickly and without unnecessary red tape. use the services of a company that is a payment aggregator. When choosing the latter option, you will need to sign only one contract, and your buyer will be able to choose a convenient payment method from the dozens available. This and offline ways, and e-wallets and, of course, payment by credit card. Payment aggregators set.



This study, conducted over several months, covers companies that provide services for accepting payments not only by bank cards, but also through e-wallets, as well as other payment methods.

What is the difference between payment aggregators and what should I pay attention to?

Each company was decided to consider the ten parameters. Below is a detailed description of the parameter and why it is worth paying attention to.



1. From what year does the company work in the market. The pioneers of the market could earn a reputation and can boast of stability. This does not mean that young companies are unreliable. But on the date of entry into the market, the company should pay attention.

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2. Who can connect. Legal entities, individual entrepreneurs, individuals - everyone can use the services of payment aggregators. But not all companies cooperate with individuals or non-residents. For individuals, other conditions are usually offered. Differences may be in fees or in the set of documents provided.



3. Fees . They are all different, depend on the monthly turnover, the type of activity of your company and, possibly, will be made individually for you. Commission may be charged both from the buyer when making the payment, and from you, when withdrawing funds. Do not chase the lowest rates. Perhaps such a company has some significant drawbacks. Some companies do not post pricing information on their website. I note that there are very few sites that contain all the necessary information. At the time of writing this review, I often had to call and communicate with managers to clarify details.



4. Chips . The most interesting section. This is what the payment aggregator can stand out, except for tariffs. These are functions that competitors do not have, or few of them have.



Consider some of them:

4.1 Manual Billing. This function allows you to send the buyer a link to email / sms / icq, clicking on which he will only have to choose a payment method and pay the bill. The amount and description of the goods will already be indicated. This service will be useful to those people who do not have their own site, or they have a group in the social network, and they want to accept payment.



4.2 SMS informing - notification of the buyer and the owner of the online store about successful payment. Cost of this service may not be cheap. If you are not satisfied with the cost of the service, then it may be worth considering to use the services of third-party companies whose price for sms will be lower.



4.3 Logistics is a service for delivering your goods to customers. Payment aggregators who cooperate with companies engaged in the delivery of goods may offer you special conditions for the delivery of your goods.



4.4 Provision of CMS. You can use the engine for the online store, which will provide you with a payment aggregator. You just have to fill in information about the goods (photos, description, prices). The disadvantage of such a proposal is that the possibilities of the CMS offered by the payment aggregator are not unlimited and may not correspond to your requests.



4.5 Acceptance of Bitcoin and other exotic currencies. Only a few companies can boast of this, but if their conditions do not suit you, you can always contact companies that only receive such currency, and to connect other payment methods, contact another company.

5. Cons . They have all. Big and small. So we look, whether it is a minus for you.



6. Support service . 24-hour support service is mainly only for payers, although there are exceptions. For those aggregators on whose site an online chat is set, the waiting time for the connection with the expert did not exceed 5 seconds. Contact customer support will have to contact at the stage of connection and in case of emergency situations. Therefore, the time to respond to customer requests is very important. If you are a large VIP client, you can contact your personal manager, and if not? I did some research. I sent a message with a simple question and waited for an answer.



Request response time:



* You can call support and try to persuade employees to consider the application out of turn.



7. Services . At this point, I noted only the presence of three services: recurring payments, mass payments and WS-integration:

7.1 Recurrent payments - periodic payments made in automatic mode, provided that the first payment was successful. Confirmation of the cardholder is only necessary when making the first payment. Map data is not stored on the side of the online store. For recurring payment, the script of the online store transmits the id of the parent (first) payment using the API. This service will be useful for Internet providers to automatically replenish the accounts of their customers. Some companies connect this possibility from the very beginning, some require a large turnover and work for a certain period without complaints from buyers.



7.2 Mass payments is a service that allows you to make payments to your customers. You replenish the balance, and payments are made from it according to specified details. Not supported by all companies and on special conditions.



7.3 WS-integration - transparent integration of payment scripts into an online store website. The buyer at the time of payment is not redirected to the page of the payment aggregator. The advantages of this solution include the fact that the buyer remains on his usual online store website. This increases conversion because the buyer is not afraid of the “new” and “unfamiliar” interfaces of payment aggregators. Among the disadvantages: the owner of an online store needs to get a PCI DSS certificate, since the buyer will enter his card details not on the site of the payment aggregator. Not all companies and not all clients can offer such a technological solution.

8. Customization of the payment page . After clicking the "Pay" button on your website, the buyer is redirected to the payment page of the payment aggregator. Customization allows you to change the design of this page under the design of your site: place the logo, change the background and much more. Each aggregator offers different possibilities for changing the design, and some do not allow doing this at all.



9. VIP customers . Which of the large companies cooperates with this payment aggregator? This can be found in this section. Some large companies cooperate with several payment aggregators at once.



10. Comment - important information about the company, which does not fit into any section above. A small useful note.

Wallet One Single checkout

Works with : 2007.

Who can connect : individuals and legal entities, including non-residents.

Tariffs : A flexible system for calculating tariffs for different types of businesses. The commission can be charged both from the merchant and from the buyer. Merchants-legal entities can withdraw funds to the current account, physical persons - to e-wallets and bank cards.

Support service : for owners of online stores - around the clock.

Services : recurring payments, mass payments, WL solutions.

Customization : is possible only by API, you cannot customize the page in your account.

VIP clients : Biglion, Stoloto, Planeta.ru, Fotostrana, Slando.



Chips :

1. Integration payment + shipping.
2. Invoicing from your account to email or phone.
3. Multicurrency cash desk - the ability to receive and withdraw money in different currencies.
4. Individuals can withdraw funds to ACH Transfer, UKash USD, bank card.
5. Placement of advertising banners in the wallet interface of the buyer.
6. W1 Discount Club: a discount section of online stores connected to the Wallet One United Checkout.

Cons : no WS-integration, customization of the payment page only by API.

Comment : mass payments are connected by agreement only to legal entities.

Website : Walletone.com

Fondy

Works with : 2014.

Who can connect : legal entities, individuals and individual entrepreneurs / individual entrepreneurs registered in Russia, Kazakhstan, Ukraine or any EU country.

Support service : for owners of online stores - around the clock.

Services : regular payments, p2p transfers, mass payments, automated reverses, white-lable for banks, IPSP, fintech projects, services for opening a company in Europe on a turnkey basis, international Internet acquiring.

Tariffs : Commission depends on the turnover of the business. The rate varies from 3% and below. The commission can be charged both from the merchant and from the buyer. Merchants-legal entities can withdraw funds to the current account, physical persons - to bank cards.

Customization : great opportunities for customizing the payment page from your personal account, as well as through the JavaScript API.



Chips :

1. White label of both the payment page and the entire system.
2. Technical integration with API.
3. Own antifraud system.
4. Purchases through server-server request for PCI DSS merchants.
5. Two-stage scheme: pre-authorization and completion of payment.
6. Detailed analytics: general statistics, statistics on payment methods, for reasons of refusals, on turnover of funds, on chargeback and fraud.
7. Simple designer buttons, Ctrl + c Ctrl + v pasting code to the site.
8. Ready SDK to simplify development: iOS, Android, Reac Native, PHP, JavaScript.
9. Ready modules for the most popular CMS systems.
10. Posting invoices to email.
11. Financial and technological flexibility (development of technological, financial and legal models for a specific bi-business).
12. Affiliate program.
13. Multicurrency payment acceptance on the site.
14. Technical, financial and legal support.

VIP clients : information is not disclosed.

Website : Fondy.ru

Simplepay

Works with : 2014.

Who can connect : legal entities, individuals and individual entrepreneurs.

Support service : phone support on weekdays from 10:00 to 18:00 and through tickets in your account.

Services : recurrent payments, mass payments (from February 2016).

Customization : free placement of the logo on the page with the choice of payment method.

VIP clients : PDJ.com, GoPro.ru.

Tariffs : The basic tariffs of the payment aggregator are presented in the table below. It is also possible to connect to individual conditions. Individual rates are negotiated with the system manager when connecting the store or in the process of further interaction.

Monthly turnover, rub	Plastic cards	Electronic PS	Cash payments	Online Banking
up to 500 thousand	3.4	up to 4.0	4.8	from 3.4
up to 1.0 million	3.2	to 3.9	4.8	from 3.2
up to 2.5 million	3.0	up to 3.7	4.3	from 3.0
up to 5.0 million	2.8	up to 3.4	4.0	from 2.8
up to 6.0 million	2.7	up to 3.2	3.7	from 2.8
up to 7.0 million	2.6	up to 3.2	3.5	from 2.8
up to 8.0 million	2.5	up to 3.2	3.5	from 2.7
up to 10 million	2.4	up to 3.2	from 3.0	from 2,6
from 10 million	2.3	up to 2.8	from 2.8	from 2.5

Chips :

• Refund to the buyer without a commission from the personal account of the seller.
• Manual invoicing. The invoice is issued for a random amount with a random appointment to the payer’s e-mail.
• Ready modules for popular CMS.
• Buyer information system.
• Intelligent Merchant Alert System.
• Affiliate program.
• Information service on the distribution of shares of payment systems in the market of electronic payments.
• Anti-fraud protection system.
• Opportunity to work on the offer, without concluding a “paper” bilateral agreement.
• Convenient and informative personal account with detailed statistics and search transactions.

Comment : Technical support specialists, if necessary, will hold a free consultation on the integration of an online store by phone, through teamviewer or in another way. Payments of the collected funds to the current account are carried out automatically and are configured by the client independently in a personal account.

Website : Simplepay.pro

Payonline

Works with : 2008.

Who can connect : Legal entities registered in Russia, Kazakhstan, Azerbaijan, Kyrgyzstan, Tajikistan, EU countries, Canada, USA.

Tariffs : Commission depends on the scope of your company and turnover. The site contains tariffs for companies selling air tickets, e-commerce and utilities. The exact amount of the commission can be found by contacting the support service.

	Pay start	Pay standard
Connection cost	3900r.	9900r.
Conclusion to the current account	On the 6th day automatically	On the 1st or 2nd day automatically (depending on the partner bank and working conditions)

Chips :

1. The processing time of the buyer's request is not more than 15 minutes.
2. Pay-Mobile is a payment solution that allows you to integrate payment by bank cards into any device that has Internet access. Integration is possible with devices running on Android, iOS, WindowsPhone, Symbian.
3. Pay-Loan is a payment solution for microfinance organizations, which allows issuing loans to bank cards and their return online.
4. Online payment search service (for buyers) is available without registration.
5. Login to the personal account of the store is possible using the certificate without entering a password.
6. Mobile version of the payment page.
7. Multiple user account roles with different rights: administrator, manager, etc.

Cons : long connection time (several weeks) in most cases. Do not cooperate with individuals. Paid connection.

Support service : 24/7 for website payers. Telephone and mail support services are provided for employees of online stores from 9 to 20 (on weekdays). The great advantage is the presence of an online consultant on the site.

Services : Recurrent payments, WS-integration.

Customization : The design and structure of the payment page can be customized in accordance with the design of your site. The form can also be integrated into your website via iframe.

VIP clients : Avito, From hand to hand, Nokia, MTS, Rostelecom, Liters, RIV GOSH, MGTS, Biblio-Globus.

Comment : The site contains comprehensive information, many presentations.

Website : Payonline.ru

Yandex Cashier

Works with : 2013.

Who can connect : legal entities, including non-residents and individual entrepreneurs.

Support service : 24/7.

Services : mass payments, recurrent payments.

Customization : on request.

VIP clients : Aliexpress, Avito.ru, Concert.ru, Freelancer.ru, Key.ru, Ozon.ru, Softkey, Yota, Wargaming, Wildberries, Netology, Citylink, Tricolor and many others.

Fees : commission is charged to the store owner. Base rate ~ 3%. Premium tariff (turnover from 500 thousand) ~ 2.8-3%. Tariffs are presented in two options - for companies with physical delivery and for companies providing digital services and products.



Chips :

1. Iframe integration.
2. Y.CMS is a universal module for integrating an online store with several Yandex services, including J.Metrica (for data collection), J.Market (for placing goods on CPC and CPA-models), J.Kassi (for receiving payments ).
3. Binding cards to the store - regular customers will be able to pay for purchases in one click.
4. Offline-accept payments using mPOS.
5. API and SDK for connecting Yandex.Cash to mobile apps
6. Preauthorization.

Disadvantages : an individual cannot connect Y.Kassu, but he can use other Yandex.Money tools to collect funds: special forms and buttons, as well as ready-made pages on the yasobe.ru website. Money will be credited to the electronic wallet.

Comment : In addition to Yandex.Cash, legal entities can accept payments through Yandex.Money without a contract by setting a form for receiving payments on the site. Money will be credited to a bank account. We accept credit cards and funds from Yandex.Money wallets.

Website : Kassa.yandex.ru

Pay master

Works with : 2010.

Who can connect : legal entities.

Tariffs : two tariff plans - Start and Optimum (turnover from 800 thousand per month). Detailed information about the tariffs is presented on the website.

Support : for payers - around the clock, for owners of online stores - on weekdays.

Services : recurrent payments, WS-integration.

Customization : it is possible to change the background and set the logo on the payment page.

VIP clients : VK.com, WarGaming.net, Runner, Beglion, Ozon, Softkey.



Chips :

1. Cash on delivery.
2. Opportunities for marketing promotion, including posting news and e-mail newsletter "Promotions and Bonuses" for 7 million subscribers.
3. Deep conversion analysis in your account.

Comment : WS-integration is available only to large partners. This service from the system WebMoney. Personal account of the owner of the online store contains many features.

Website : Info.paymaster.ru

ROBOKASSA

Works with : 2003.

Who can connect : legal entities and individual entrepreneurs.

Support service : 24/7, including technical support.

Services : Mass payments, Recurrent payments, WS-integration.

Customization : If WS-integration is not used, legal entities can place their logo on the page with the choice of payment method. The logo will be placed in the upper left corner.

VIP clients : Seopult, Auto.ru, Sape, Dozhd TV channel, GosLoto, Mamba, Buy Coupon, Grupon, 003ru.



Rates :

	For individuals	For legal entities
Who pays the commission	Customer	Online store
Commission amount	2-15%, calculated at the time of payment. Depends on the amount and method of payment. It is possible to transfer the commission to the online store.	When connected - 5%. Commission can be reduced up to 1.5% (SCHOK tariff - turnover from 50 million / month.)
Withdrawal of funds	No commission: ROBOKASSA, Qiwi, WebMoney, Yandex.Money card. With a commission of 2% - a third-party bank card (at least 2000 rubles)	Withdrawal to the settlement account of a legal entity in any Russian bank to a ruble account.

Chips :

1. Buyers are awarded bonuses with which they can pay part of the next purchase, if it is made through the ROBOKASSA system.
2. On the payment pages it is possible to place an advertisement for your product in the form of a banner automatically.
3. ROBOSTORE is a flexible CMS that allows you to quickly set up and open your online store, simply by copying the code to your site. If you do not have a website, the store can be opened on a subdomain.
4. If you order the development of an online store in one of the web studios (the list can be found on the website) and connect it to ROBOKASSA, you will be offered special terms of service for the first 3 months.
5. Personal account of the buyer, where you can see a list of previous payments, attach a bank card and much more.
6. SMS service: API for sending SMS + notification of successful payment of the owner of the online store.

Disadvantages : individuals can not make a return, unlike legal entities.

Comment : not all clients can use the services of mass payments and WS-integration. It is necessary to have a turnover of 1 million, the company must be registered in Russia and successfully cooperate with ROBOKASSA for at least a year.

Website : Robokassa.ru

Z-payment

Works with : 2002.

Who can connect : physical and legal persons.

Support service : from 4:00 to 13:00 Moscow time.

Services : mass payments to accounts.

Customization : it is possible to upload your css file.

VIP clients : work-zilla.ru, Meshok.ru

Tariffs : the site contains a very detailed tariff scale for various types of certificates.



Chips :

1. Acceptance of payment Bitcoin, Dogecoin, Litecoin.
2. Quick check of payment status without authorization.
3. Withdrawal of accumulated cash on Bitcoin wallet.

Website : Z-payment.com

Interkassa

Works with : 2007.

Who can connect : Physical and legal entities.

Tariffs : On request will be sent by mail. There is a commission for receiving payments and withdrawals. On average, from 3% to 5%. Yandex.Money - 6-8%.

Support service : General questions 8 to 20 Moscow time. Technical questions from Monday to Friday from 9 to 18, Kiev time. There is support in Skype.

Services : Mass payments, WS-integration

Customization : placing the logo on the payment page.

VIP clients : ticketforevent.com, popunder.ru, Parimatch.



Chips :

1. It is possible to distribute the commission of the payment aggregator (who will be charged) through your personal account.
2. In your account, it is possible to disable some payment methods.
3. It is possible to transfer the commission of payment systems to the owner of an online store in your account.
4. SMS notification of the owner of the online store about successful payment.
5. The ability to accept payment in rubles and hryvnia.
6. Acceptance of payment Payeer, Perfect Money, Paxum.

Cons : Tariffs are not listed on the site. Sent tariffs on request by mail. There is no WS-integration and recurrent payments.

Comment : many ways to pay offline.

Website : Interkassa.com

Platron

Works with : 2009.

Who can connect : legal entities and individual entrepreneurs, including non-residents.

Support service : general questions from 9 to 21:00, support for payers around the clock.

Services : recurrent payments. WS integration.

Customization : it is possible to completely create your payment page or place your own logo on the payment page.

VIP clients : Alpha Insurance, Bigbicket, Comus, Crocus, Chiptryp, VTB Insurance and other companies.



Rates :

	Up to 1,000,000 rubles.	Up to 5,000,000 rubles.	From 5 000 000 rub.
Bank cards	3.1	2.9	2.7
Cash payments	four	3.8	3.6
Electronic money	3.5	3.4	3.2
Internet banks	3	2.8	2.5
Yandex money	6	6	6
Mobile payments	6	6	6

Platron is ready to discuss the size of the commission. The rate grid is not a final offer. The commission may be charged both from the buyer and from the owner of the online store.



Chips :

1. Authorization via cell phone without entering a password.
2. Quick check of payment status for the buyer.
3. Differentiation of access in the personal account of the merchant.
4. Manual invoicing.
5. Special solution for E-Travel.
6. Opportunity to take the commission of payment systems.
7. Acceptance of American Express, Diners Club, JCB 4.
8. 2 stage debiting of funds using the “holding” function.
9. Ability to disable unnecessary payment methods.
10. IFrame integration.

Cons : Standard conditions require a monthly fee. Do not cooperate with individuals.

Comment : Platron works with PayPal.

Website : Platron.ru

Money Online

Works with : 2006.

Who can connect : legal entities and individual entrepreneurs (Russian and foreign).

Tariffs : the tariff schedule is sent to the mail. In most cases, this is 5%, a more accurate commission will be reported to you when entering into an agreement. The commission is charged to the owner of the online store. Cash withdrawals are made twice a week to the current account.



Chips :

1. Special rates for online games, financial organizations and bookmakers.
2. GSG is a special offer to payment systems.
3. Affiliate program to connect.
4. Connection without site - manual invoicing.

Cons : to connect, you must send 9 documents.Withdrawal to the current account 2 times a week.

Support service : around the clock. You can contact customer support by mail, phone or skype.

Services : reverse payments, recurrent payments (as agreed).

Customization : Logo on the payment page.

VIP Clients : Yulmart, Ochkarik.

Website : Dengionline.com

Payanyway

Works with : 2005.

Who can connect : legal entities (residents and non-residents).

Fees : mostly commission 2.9%.

Support service : For customers - 24/7.

Services : mass payments, recurrent payments.

Customization : It is possible to set your logo on the payment page, if you use integration via iframe, you can set your design.

VIP clients : Severstal, Leon, RoboForex, GLAMBOX.



Chips :

1. Special rate "Housing and communal services enterprises".
2. It is possible to disable unnecessary payment methods.
3. Iframe integration.
4. SMS and Jabber notifications about various events (entry into the account / withdrawal of funds / transfer of funds, etc.).
5. Two-factor authorization and authorization using a certificate.
6. A quick form of payment verification.

Cons : do not cooperate with individuals.

Website : Payanyway.ru

Payu

Works with : 2005.

Who can connect : legally persons and individual entrepreneurs, including non-residents.

Support service : payers support - 24/7.

Services : recurrent payments, WS-integration, mass payments to cards.

Customization : Constructor of a payment page from blocks.

VIP clients : Avon, Eset NOD32, eTraction, Lacoste, Kupi-kolyasku, MyToys, Hilti, Aizel, BabySecret and other global and Russian brands.



Tariffs : the commission is charged from the merchant:

Parameter / Turnover	Up to 500 tr.	From 500 tr. up to 5 million rubles.	From 5 to 10 million rubles.	From 10 million rubles.
Internet acquiring	four%	3.5%	2.8-3%	2.8% and below
Webmoney	four%	3.5%	3%	2.5%
QIWI WALLET	eight%	7%	5-6%	5-6%
Cash payment at Euroset / Svyaznoy terminals	four%	four%	3.5%	3.5%
AlfaClick Payments	four%	3.5%	3%	2.5%
Online lending	one%	one%	one%	one%
One-time connection fee	5 000 r.	Is free	Is free	Is free
The term of receipt of cash. funds on current account (days)	from 1 to 3 days	from 1 to 3 days	from 1 to 3 days	1 banking day

Chips :

1. Special rates for eTravel, MFI, Trading platforms, utility services.
2. PayPartner is an affiliate program for designers, web-studio owners, CMS developers.
3. Buyer Protection Program.
4. Real-time fraud transaction monitoring
5. Two-stage authorization of funds (holding at the time of the order, cancellation - upon confirmation of the merchant).
6. Solution for payment through the mobile application.
7. Constructor of a payment page from blocks.
8. Ability to disable 3D Secure.
9. Bilingual round-the-clock support service 24/7 (Russian / English).

Comment : the range of services provided depends on the tariff. The company works with 4 different acquirers. When a transaction is rejected at one bank, the payment is sent for authorization to the next, until the transaction is confirmed. Customers online stores connected to PayU, can get to pay the order after confirming stock balances. At the same time, additional payment methods are available to buyers - online lending and installment payments.

Website : Payu.ru

Maxkassa

Works from : 2015.

Who can connect : SP, legal entities.

Support service : 24/7, including technical support.

VIP clients : RosBusinessTour, Valeryst, Banketof, Meranom.



Tariffs:

Turnover	Bank cards	Yandex money	Webmoney	Qiwi	Mobile operators
-	2.7%	4.5%	4.5%	5.8%	from 4.3% *
from 500 000 rub.	2.5%	4.2%	3.9%	5.6%	from 4.0% *
from 1 500 000 rub.	2.4%	3.9%	3.7%	5.0%	from 3.7% *
from 5 000 000 rub.	2.1%	3.5%	2.6%	4.5%	From 3.2% *

* For goods with physical delivery. Commission for other categories of goods and services may vary slightly.



Chips :

• The minimum number of payment failures. Entering card data - only on the bank site.
• Ready modules for popular CMS.
• The online store notification system about the status of payment.
• Return of funds to the buyer on the cards without a fee from the personal account of the seller.
• Remuneration program for customers listed.
• It is possible to disable unnecessary payment methods.
• Offline payment acceptance via POS, mPOS terminals.
• Payments by requisites without entering into a bank service agreement with an online store or service.
• Personal account with detailed statistics, report downloads.
• Free connection and subscription service
• Free installation by technicians of the finished payment module in the online store.

Comment : commission is paid by an online store or buyer. The withdrawal of funds is carried out on the current account in a Russian bank the next day.

Website : MaxKassa.ru

RBK Money

Works with : 2002.

Who can connect : legal entities and individual entrepreneurs.

Tariffs : From 2.5%. A flexible system for calculating tariffs for different types of businesses. Individual rates are possible. More information about the tariff schedule can be here .

Support : 24/7 phone, mail, chat, online calls, social network.

Services : acquiring, electronic money, offline payment.

Customization : provided.

VIP clients : Technosila, 1C-Interest, Trajectory, Rendez-Vous, Give Life.



Chips :

1. Full payment statistics;
2. Multicurrency;
3. Returns;
4. Customization of payment pages;
5. Recurrent payments;
6. Payments to the card;
7. Live support for individuals and legal entities by phone and online around the clock.

Comment : RBK Money payment service is a modern platform for making transfers in various popular ways, including VISA and Mastercard bank cards, mobile and online payments, a wide network of offline branches and terminals and many other payment methods. RBK Money provides technical reliability and guaranteed protection against charge-backs and fraud when paying with cards and in any other way.

Website : RBKmoney.com

Intellect money

Works with : 2009.

Who can connect : legal entities.

Support service : from 9 to 18.

Services : recurrent payments, mass payments, WS-integration.

Customization : from the personal account it is possible to change the background of the payment page, indents, implement your style sheet and javascript code.

VIP clients : Megaflowers.ru, Zebta Telecom.



Tariffs : when paying via WebMoney, a fee is charged when accepting funds and when withdrawing.

	Visa / MasterCard / Maestro	Other payment methods
Up to 750 thousand turnover	3.5%	3.5%
750,000 - 60 million	3.1 - 2.4%	3.4 - 2.7%

If the turnover is more than 60 million rubles a month, then an individual tariff is offered.



Chips :

1. IntelectMoney customers receive a discount of 10% on Ritm-Z services (outsourcing service for receiving calls, escorting an online store and other services).
2. Manual invoicing from personal account.
3. Restricting access by IP to your personal account.
4. Hold cash.
5. Affiliate program to connect other online stores.

Cons : technical experts advise only by mail.

Website : Eshop.intellectmoney.ru

NextPay

Works with : 2007.

Who can connect : legal entities (LLC) .o

Tariffs : the site contains 6 tables with information about tariffs. Tariffs are categorized by turnover, type of company activity and type of cooperation.

Chips : special rates for utilities, Internet service providers, online games, budgetary institutions.

Support : at the time of writing, the company was experiencing technical problems with the phone.

Customization : no.

VIP clients : do not provide information.

Website : Nextpay.ru

Uniteller

Works with : 2008.

Who can connect : legal entities and individual entrepreneurs.

Tariffs : calculated individually, depending on the scope of business and turnover.

Support service : round-the-clock technical support.

Services : accepting non-cash payments in all areas where payment by bank cards is applicable (Internet acquiring, payment terminals and kiosks, mPOS and POS terminals). Internet acquiring services: IFrame, recurrent payments, payment on a registered card, payment reference generator, pre-authorization, automatic control of order status.

Customization : the client has the opportunity to independently change the design of payment pages, adapting them to their corporate style.

VIP clients : E-Government portal Gosuslugi, E-Government of the Republic of Tatarstan, portal of state and municipal services of the city of Moscow, St. Petersburg metro, Mosgortrans, airports Pulkovo, Domodedovo and others, Avia Center, RU-Center, Level Travel, Yakitoria, Rosa Khutor , Sportmaster, Give life, 1001 Tour, Sochi Park



Chips :

1. Free connection.
2. A full range of acquiring services: e-commerce, self-service systems, mobile and merchant acquiring.
3. Support popular platforms for creating websites.
4. Connection reception for payment of electronic currencies.
5. Payment in the mobile application on any operating systems.
6. Servers in data centers on the territory of the Russian Federation.
7. Compliance with international security standards: PCI DSS, PCI PA-DSS, PCI PIN Security.

Cons : do not cooperate with individuals.

Website : Uniteller.ru

ONpay

Works with : 2006.

Who can connect : legal entities (LLC).

Support service : online chat. By phone from 11 to 19.

Services : recurrent payments.

Customization : great opportunities for customizing the payment page from your personal account.

VIP clients : information is not provided.



Tariffs : The site contains a very detailed tariff scale. The commission is charged to the owner of the online store when withdrawing funds.

	Contract signed	No agreement signed
Where the conclusion	To current account	To e-wallets and mobile phone balance
Withdrawal date	Next business day	Up to 15 days

Chips :

1. Supported payment method Liqpay.
2. SMS informing the shop owner and buyer about successful payment.
3. Manual invoicing.
4. Ability to disable payment methods from your personal account.
5. Changing the design of the payment page from your personal account (colors, fields, field order, order of payment methods displayed to the buyer).
6. Personal account of the buyer and a quick form of checking the status of the payment, which is available without authorization.
7. The withdrawal of funds on the balance.
8. After payment the buyer receives a link by clicking on which he can leave a review about the store, which will be visible to other buyers.
9. Creating a discount coupon from your personal account.

: WS- iframe.

: . .

: Onpay.ru

PAY2PAY

: 2008 .

: .

: 300 . /. , . . .

: -, skype, 10 19 .

: WS-. .

: .

VIP : .



:

1. -.
2. Affiliate program to attract owners of online stores.
3. Ability to disable unnecessary payment methods.
4. Email notifications of the owner of the store about successful payments.

Cons : no recurring payments.

Comment : possible conclusion of SLA-agreement for VIP-clients

Website : Pay2pay.com

CHRONOPAY

: 2003 .

: , .

: , . .

: .

: , , WS-.

: .

VIP : , , Begun, Sony, SoftLine, re:Store, WWF, GreenPeace, KupiVip,



:

1. American Express, Diners Club, JCB, iDeal (), GiroPay ELV ().
2. PayPal.
3. ChronoPay-MobileApp — .
4. ( 2 ) -.
5. -. .
6. ChronoMethod Anti-Fraud .
7. ( ).
8. -POS- .
9. .
10. -Travel. GDS.
11. -.
12. IVR — .
13. . ,

Cons : do not cooperate with individuals.

Comment : mass payments and WS-integration as agreed.

Website : Chronopay.com

ASSIST

: 2003 .

: .

: .

: .

: — 5270 .

VIP : Google, Ozon, OZON.Travel, Oktogo, Puma, NokianTyres, .

: 2950 . . : — 4%, WebMoney — 4.5%, Qiwi — 5-8%.



:

1. OneClick — , CVC.
2. .
3. Call- — wPOS, InteractiveVoiceResponse (IVR).
4. .

: 2-6 . . Assist. 8-800.

: Assist , .

: Assist.ru

SPRYPAY

: 2008 .

: .

: — 3%.

: icq, 9 18.

: , .

VIP : .



:

1. .
2. -.
3. SpryPay SuperLend, WebMoney .
4. Contact.
5. email.

: Sprypay.ru

FREE-KASSA

: 2009 .

: .

: -.

: , WS-.

: .

VIP : .

: , . 4-6%. .



:

1. WebMoney.
2. PerfectMoney.
3. .
4. .

: Free-kassa.ru

NET PAY

: 2013 .

: .

: .

: , WS-.

: .

VIP : .

: .



:

1. .
2. e-mail.

: .

: Net2pay.ru

Finally

, :

• .
• .
• - , .
• , .