.ru-Commerce in numbers: choose a payment solution depending on the type of business and customer preferences

In this issue, which has become traditional, the annual edition of ".ru-Commerce in numbers" will tell you about the preferences of the Russian audience of online shoppers: what payment methods do Russians consider most convenient, what categories of goods are most often bought in Russian online stores, what the buyer follows choosing a store, which e-commerce applications Russians use, from which devices they pay and much more. We will also provide a detailed description of PayOnline payment solutions to make it easier for you to find out which one is suitable for your business.

PayOnline is part of the international company NetElement (NASDAQ: NETE). PayOnline activity is not limited to Russia - we provide secure payment acceptance on sites and in mobile applications around the world. Our customers have already become 3 thousand companies. Every day we process up to 20,000 transactions from 20 million payers. Our partners are 11 Russian and 5 foreign banks.

Survey of online shoppers in Russia

A survey of online shoppers in Russia showed that the most convenient payment methods for Russians are cash and bank card payments at the time of delivery. Prepaid by credit card is the 2nd most popular, prepayment from an e-wallet is 3rd. However, these payment methods are considered convenient only by 19% and 10% of users, respectively.



Russians leave more money in domestic online stores than in foreign ones. The average purchase amount in Russia is about 6 thousand rubles. In Moscow - a little less than 8 thousand rubles.



Most often, Russian online stores bought small household appliances, clothes and shoes. Slightly less mobile phones, tablets, cosmetics, perfumes and electronics.



When choosing an online store, buyers are often guided by the price of the product, the experience of buying in this shop, the cost of delivery and the availability of a convenient way to pay for the goods.

Pay-Start payment solution

Basic payment solution for online business. Ideal for accepting payments in online stores and online services. Recommended for startups and small businesses with a turnover of up to 30 thousand rubles a day.

Pay-Start payment solution combines the most popular payment methods: Visa, Visa Electron, MasterCard, Maestro; Yandex.Money e-wallets, QIWI WALLET, WebMoney; Mobile payments MTS, Beeline, Megaphone.

Main characteristics:

• Connection term: 1 week.
• Documents required for connection: 1 contract.
• "Personal Account": control payments in real time.

The size of the initial commission rate is from 2.5 to 3.9%. The turnover is more - the commission is less.

Solution options:

• Support in the process of connection: we will help to "finish" the site and prepare the documents, and our courier will come to your office for them.
• Instant integration. Even if you use a proprietary CMS or do not use a CMS at all, Pay-Start integration will take no more than one day.
• Short payment form. Less fields - easier payment.
• Payments “one click” on your site - payment without filling out the payment form.
• Invoicing for payment by credit card by e-mail.

Pay-Standard Payment Solution

Pay-Standard payment solution allows you to customize the acceptance of payments for the specifics of large Internet businesses and international companies with full customization for the client.

Pay-Standard package users can receive payments on eight types of bank cards: the most popular in Russia are Visa and MasterCard; social, retirement, salary, scholarship - Maestro and Visa Electron; foreign - American Express, JB, Diners Club, Union Pay. PayOnline has individual “rules” for processing payments for each type of card. Also within the package, the seller can accept payment from Yandex.Money, WebMoney, QIWI Wallet e-wallets.

The basic tariff for e-commerce enterprises with a turnover of up to 1 million rubles per month is 3.9%. The higher the turnover, the lower the commission. With a turnover of 100 million rubles and more, individual tariffs apply.

Main characteristics:

• Connection time: 3-4 weeks.
• Documents required for connection: 2 contracts + package of documents.
• Payment procedure: the next day.

Solution options:

• International solution. Suitable for companies registered in the CIS countries, Europe, Central Asia, North America, China and South America.
• Support 25+ currencies to receive and pay (RUR, EUR, USD, GBP, KZP, TNG and others).
• Branding and customization of the payment form with “smart” field validation (checking the card holder by blocking an arbitrary amount of money on the card and confirming by the payer a blocked amount).
• Integration of the payment form on the page of your site.
• One-Click Payments and Auto Payments (Recurring Payments): Periodic Automatic Withdrawals
• from the cards of your customers.
• Acceptance of online payments for orders made offline, by phone or e-mail.
• Freezing of funds on the card at the time of checking the availability of goods. You will get into a situation when the client has paid, but there is nothing to deliver. Out of stock? Offer an alternative or return the money and the customer will be happy.

Pay-Travel Payment Solution

Pay-Travel is a specialized payment solution for large companies in the tourism industry - OTA (Online Travel Agency), which conduct their business on the Internet: selling air and railway tickets, providing taxi ordering services, booking hotel rooms, car rentals, etc. .




The Pay-Travel solution supports card payments from around the world: Visa, Visa Electron, MasterCard, Maestro, American Express, JB, Diners Club, Union Pay, as well as payments from Yandex.Money, WebMoney, QIWI Wallet.

The basic tariffs for the sale of air tickets under the e-Commerce scheme (acceptance of payments according to the standard protocol for all e-commerce enterprises) - from 3%, under the Long Record scheme (when transferring information about the card, the flight information is also transmitted) - 2, 6%, according to the “Avia2” scheme (acceptance of payments with the division of the amount spent on the agency commission and the “net” cost of the ticket itself) - 0.7%. Payment in the GDS is not subject to a fee for Internet acquiring.

Main characteristics:

• Connection time: 3-4 weeks.
• Documents required for connection: 2 contracts + package of documents.
• Payment procedure: the next day.

Solution options:

• International solution. We work with companies registered in the CIS countries, Europe, North America, Central Asia, China and South America.
• Support 25+ currencies to receive and pay (RUR, EUR, USD, GBP, KZP, TNG and others).
• Multilingual interfaces (English, German, French, Chinese), payers and customers support, multilingual documentation.
• Custom form. We can integrate the payment form directly into your website in order to reduce the number of steps to pay for the order and increase customer confidence.
• Intelligent integration with GDS Amadeus (including Galileo by Travelport) and Saber in Russia and abroad: automated payment acceptance, Multi-FOP (Cash + CC), using 3DS when paying via GDS allows you to make accepting payments as convenient as possible.
• Separation of payment for payment in the GDS and OTA commission.
• Linking the card to the account on your site: the client enters the card data only once and pays indefinitely.
• The possibility of "manual" transactions, rejected automatically.
• Freezing of funds on the payer card without debiting until confirmation of the reservation. Until the ticket is booked, the money will not be debited from the client's card - no unnecessary worries.

Pay-Mobile Payment Solution

26% of online shoppers make purchases from mobile devices.




The Pay-Mobile solution is designed to accept bank card payments from iOS, Android, Windows mobile applications, as well as from Smart TV, game consoles and other non-standard "smart devices". Pay-Mobile is compatible with all PayOnline payment solutions. There are 2 possible integration options:

1. Acceptance of in-app purchase payments: the payment form is integrated directly into the mobile application, without calling the browser.
2. Integration of the payment form through a web-view. Directly in the application through the browser opens a payment form, adapted for mobile devices.

Acceptance of payments is carried out using Visa, Visa Electron, MasterCard, Maestro credit cards and from electronic wallets. Tariff rate is determined by turnover and does not exceed 3.9%.

Main characteristics:

• Term of consideration of the application for connection: 2 days.
• Documents required for connection: 2 contracts.
• Payment procedure: the next day.

Solution options:

• Payment form adapted for mobile devices.
• Linking the card to the mobile application: the client enters the card data only once and pays indefinitely.
• Direct payments - regular debiting of funds that do not require confirmation of the payer.
• Customization of the payment form. It can be issued in the corporate colors of the application.
• Auto payments and card binding to the application.
• API and SDK for instant integration

Pay-Utility Payment Solution

Because of its specifics, accepting payments for utility services requires a special solution. Housing and communal services debts exceeded the mark having a symbolic value of 1 trillion rubles. Today, the average collection of utility bills in the country is 95%.



Pay-Utility is a special payment solution for companies that provide housing services to the public. For utilities, a special reduced commission to 1%.

Solution options:

• Transfer the commission to the payer or pay yourself - you decide.
• Registers for machine data processing for payments and ready-made modules for integration into your billing system.
• Regular automatic charges.
• The possibility of address sending an invoice for payment by e-mail.
• Integration into the billing system.
• Registers for machine data processing payments. Data registries will be provided in the form you are familiar with, suitable for automatic processing.

Pay-Loan Payment Solution

Pay-Loan is a comprehensive payment solution for microfinance organizations: issue microcredits to cards and receive payments on them online with a minimum of effort on your part.

Solution options:

• Issuance of loans online - payments on the cards of your customers.
• Refund payments on your website or in a mobile application.
• Control of payments and returns through a single "Personal Account".
• Setting the appearance of the payment form and automatic adaptation to the size and resolution of the client device.
• Autopayments.
• The ability to connect the functionality of the issuance of microcredits and their repayment in the mobile application of your MFI with the help of Pay-Mobile solution
• Online Validation. In particularly difficult cases, manual testing is possible to minimize the risk of fraudulent transactions.

Basic features of PayOnline

Regardless of the selected payment solution, PayOnline clients have the following features:

• Electronic document management.
• Triple support: personal manager, technical support, 24-hour 24x7 call center for payers, as well as free consulting at the connection stage. The work of the support service is based on modern OTRS - an open system for processing applications and requests. Call center specialists provide expert advice in Russian and English.
• Fine-tuning the geography of payment. You determine from which countries you want to accept payments, and which ones to block.
• Individual settings of the AntiFraud system: limits, geography, black and white lists of maps. Ability to customize 140+ filters fraud monitoring system for each country / size of payment / type of card.
• Control and analysis of payments in the "personal account": the formation of accounting documents; the ability to conduct online monitoring of all operations; receiving detailed annual reports on payments made; creating an extensive access system that allows you to configure roles for employees who work with information in your account.
• Four options for configuring 3-D Secure. For example, for different countries or amounts of payment while maintaining the level of security up to 99.99%.
• Free withdrawal of funds from cards and wallets to one current account at any bank on the next business day.
• 19 modules for CMS, open API and SDK.

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