Realities E-Commerce

I'm not sure that the topic will be close to all the habrayers present, but all the same ... I decided one day with a partner to stir up the startups. Mutil-mutil and pissed off to the extent of 80% readiness. At this stage, it was necessary to integrate the resulting miracle with the payment system. The business model implies monthly monthly payments (recurrent billing), the topic is not new, we implemented more than one site with this very recurrent billing, however, we did not take into account that all previous customers were imported. As a result, just one day of research was enough to understand that in Russia it was impossible to carry out a card transaction without the participation of a client. The service responsible for the Internet acquiring Impex Bank even told me that such operations are prohibited by law, but could not answer which one.

In the near abroad (Belarus, Ukraine, Latvia, Estonia) nothing was found suitable either, but hundreds of man-hours already spent on the project did not allow just to give up and forget everything.

It would seem a dead end, but the idea was to open a company in Canada or the states and get a merchant account there to solve all the problems. Communication with familiar Canadians at first instilled optimism, but as a result it turned out that red tape is not worse than Russian - weeks, and even months of waiting are provided.
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I will not list all peripetia, everything ended happy ending and is very simple, but unfortunately not available to the usual Russian website builder - I just agreed with the owner of my company, an American, that I would use his account on authorize.net for my own purposes, deducting a certain percentage with each transaction and offsetting taxes.

All of this means that “ PayPal works with Russia ” or “ J & P: Electronic payments - the future of financial structures ” headlines are certainly pleasing, but in reality web publishers do not even have the elementary possibilities available to western companies and how to compete with western companies in such conditions are not entirely clear.