Unfamiliar familiar payment system.

I think that each of you is familiar with the QIWI payment terminals (QIWI) , which throughout Russia already have more than 70,000 installed.

However, I think that not everyone knows what lies behind the middle button of the above payment terminals:


and after all behind it there is a full-fledged system - "Personal Cabinet QIWI".

The main advantage of this payment system is the interest-free entry of money into the system (at the moment, in the amount of 300 rubles and more) in any QIWI terminal supporting the service. It is no secret that entering money without interest into other payment systems is problematic.
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The registered user of the Personal Cabinet QIWI gets the opportunity to pay (the list is constantly expanding):

· Cellular communication - 15 most popular operators ,
· Internet, IP telephony - more than 300 providers ,
· Pay TV - more than 20 of the most popular providers ,
· Payment systems - 12 most popular payment systems ,
· Banking services - 54 largest banks .
And:
· Fun and popular on-line games ,
· Air and railway tickets ,
· Tickets for concerts and entertainment events ,
· Antivirus, PIN codes, software ,
· Housing and communal services ,
· Tickets to the club "B1 Maximum" and other clubs ,
· Goods and services more than 200 online stores ,
· And much more .

Payment is available through the payment terminal, using a mobile phone or through the website of the payment system. I note that the most popular payments are carried out without charging additional fees and charges.

Online stores and e-commerce representatives “QIWI My Account” can also be interesting. Below are a few reasons:

· 70,000 QIWI terminals - 70,000 cash registers for payment for your goods and services
· Millions of active users throughout Russia ,
· Acceptance of payments on-line ,
· Readiness of the system for joint promotions and cross-promo .

Connection of stores is realized according to the xml protocol, which each provider adjusts based on their needs.

Work is possible in two ways:

1. "Personal Wallet" (1% of turnover) and an independent withdrawal of funds
2. "Acceptance of payments" (% by agreement, depending on sales volumes). The scheme involves the conclusion of the contract and the transfer of funds to the p / s store .

Currently, the most popular stores are connected to the payment system, among which are the leaders of online commerce: OZON.ru Softkey.ru and others.

You can leave a request for connection here , having registered in the system according to your chosen scheme. I note that we do not work with stores that violate the laws of the Russian Federation.

It turns out a few rainbow picture ... The text, as if written for an advertising booklet, is not it?

I will note a few shortcomings, which, however, in a certain way, are provoked by the advantages of the QIWI Personal Cabinet system:

· The GPRS connection between terminals and the payment system server is not always stable ,
· The interface (especially the terminal), on which you need to spend time to figure everything out ,
· Disable agents (owners of terminals) services in some ASO .

But, in my opinion, the system has many more advantages, as evidenced by the constant influx of more and more new users and providers.
In the future, if there is interest in the subject, I will try to describe each item in more detail.

Ps . If a respected community has questions, please ask. I will try to answer them as much as I can. Please note that I am not a programmer, my domain is marketing.