Liqpay: invoicing by SMS, proudly called POS-terminal
Recently habrayuzer mentioned the event.
I will not duplicate the description, here is the original .
I will try to clarify some strange moments.
So, it should be remembered that the main identifier (login) in the Liqpay system is a mobile phone number, and 4 accounts in UAH, rubles, dollars and euros are attached to each number.
The proposed scheme works like this:
(We believe that the seller has already activated his verified card for issuing SMS accounts)
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1) The seller bills the buyer by SMS (amount + currency + phone of the buyer):
The buyer receives the message:
2) The buyer pays the invoice from the payment card to the liqpay account (ie, to the phone number: card number + expiration date + cvv-code):
3) Both come sms about the transaction
a) to the buyer:
b) to the seller:
Note that the debit contains the customer’s phone number, not his card number.
What is not written in the private blog, or on a habre, is the need to verify the buyer's card in the Liqpay system. Those. the buyer must log in, add his card, call his bank and find out the amount blocked by adding the card, then enter it on the Liquay website to complete the verification.
With unverified cards in liqpay, you cannot pay an sms-account.
Accordingly, the chip cannot be called either a POS terminal for dummies (the original name of a post in a private blog), or sms-acquiring.
Advantages of the scheme: commissions for this operation are not charged. According to likpey tariffs: from card to likpei = 0, inside the system = 0. If, however, you are going to withdraw from the liqi to the card, then pay half a pack + half a percent (Privat card) or 2 bucks and one percent when putting money on other cards.
With verified cards, payments occur in minutes.
In my opinion, it would be possible to do without verification of the buyer's card, because in comparison with Internet acquiring, only the message channel with the bank from http to sms is replaced here.
Is this an attempt by the bank to acquaint the buyer with its service?
The opinion of habra users is interesting.
upd 12.10: After waiting for the night, when people with a brain remain in the support chat, I decided to clarify why this additional verification of the card, which negates all the conceived convenience.
The meaning of the answer, which I was able to process out of them in half an hour, was the following: only Ukrainian cards are accepted through internet acquiring, and liqpay works with maps of the whole world, which requires strong verification.
The second question: why not divide cards into Ukrainian and others?
In response, something was mumbled about legislation in different countries and possible problems. At this point I realized that I would not get a clear answer.
I will not duplicate the description, here is the original .
I will try to clarify some strange moments.
So, it should be remembered that the main identifier (login) in the Liqpay system is a mobile phone number, and 4 accounts in UAH, rubles, dollars and euros are attached to each number.
The proposed scheme works like this:
(We believe that the seller has already activated his verified card for issuing SMS accounts)
')
1) The seller bills the buyer by SMS (amount + currency + phone of the buyer):
1000+USD+3805556677The buyer receives the message:
Dlya perevoda 1000 USD na nomer 380222333444, otpravte komandu nomer karti+srok deystviya+cvv na nomer 74402) The buyer pays the invoice from the payment card to the liqpay account (ie, to the phone number: card number + expiration date + cvv-code):
5555666677778888+0314+1233) Both come sms about the transaction
a) to the buyer:
Vi uspeshno pereveli 1000 USD na nomer 380222333444 ,b) to the seller:
Vi poluchili perevod na summu 1000 USD ot nomera 3805556677 uspeshno .Note that the debit contains the customer’s phone number, not his card number.
What is not written in the private blog, or on a habre, is the need to verify the buyer's card in the Liqpay system. Those. the buyer must log in, add his card, call his bank and find out the amount blocked by adding the card, then enter it on the Liquay website to complete the verification.
With unverified cards in liqpay, you cannot pay an sms-account.
Accordingly, the chip cannot be called either a POS terminal for dummies (the original name of a post in a private blog), or sms-acquiring.
Advantages of the scheme: commissions for this operation are not charged. According to likpey tariffs: from card to likpei = 0, inside the system = 0. If, however, you are going to withdraw from the liqi to the card, then pay half a pack + half a percent (Privat card) or 2 bucks and one percent when putting money on other cards.
With verified cards, payments occur in minutes.
In my opinion, it would be possible to do without verification of the buyer's card, because in comparison with Internet acquiring, only the message channel with the bank from http to sms is replaced here.
Is this an attempt by the bank to acquaint the buyer with its service?
The opinion of habra users is interesting.
upd 12.10: After waiting for the night, when people with a brain remain in the support chat, I decided to clarify why this additional verification of the card, which negates all the conceived convenience.
The meaning of the answer, which I was able to process out of them in half an hour, was the following: only Ukrainian cards are accepted through internet acquiring, and liqpay works with maps of the whole world, which requires strong verification.
The second question: why not divide cards into Ukrainian and others?
In response, something was mumbled about legislation in different countries and possible problems. At this point I realized that I would not get a clear answer.
Source: https://habr.com/ru/post/86965/
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