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When you need to connect online payment acceptance for the first time, questions arise: how to make people pay both from a card and from a mobile phone, do you need an online cash register, how to organize processes so that money is credited to your account after each successful payment.

Let's figure it out: we answer the most common questions and explain how to connect online payments, even if you work without a website.

Is online payment necessary and who will use it?
Online payment is definitely needed. Research company Mediascope found that in 2020, 94% of residents of large cities paid for something online at least once. 82% paid for mobile communications, and 81% paid for orders in stores. People also pay for food delivery, taxis, and hotels.

How to connect online payments - research

A study by Data Insight and RBK.money shows that the most common payment method is a bank card. At the same time, people use 3-4 different payment methods per month, i.e. they use not only cards. They may also leave a store if it does not provide online payment - the availability of a convenient method, payment speed and security influence the decision to buy even more than delivery and discounts.

How to connect online payments - purchase decision
If you don't give customers the option to pay online, some (or perhaps most) will go to competitors. This is what Nikita Mitrokhin , head of the Russian Literary Center and owner of book portals, believes:

"We started working with online payments in 2018. First of all, we were talking about selling paper books with delivery and e-books. Having seen that this payment format is convenient for clients, we later developed payment for a number of services for authors using electronic receipts: proofreading and editing of text, payment for consultations with editors and literary agents. Now, any service, book, and even a ticket to an author's creative evening can be paid for both using a "paper receipt" at a bank and online.

Online payments will undoubtedly develop in parallel with the move away from physical money. Those who do not accept online payments are most likely putting a spoke in the wheel of their own business."
Who can accept payments online
Most often, online payments are accepted by representatives of small, medium and large businesses:

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individual entrepreneurs, regardless of whether they have employees or not;
•
legal entities: LLC, OJSC or non-profit foundation.
The areas of activity can be very different - social entrepreneurship , production of metal structures, resale of goods. And even provision of services or sale of subscription services.

At the same time, both self-employed and individuals can accept payments online. The only difference will be in the processes. Self-employed and individuals can transfer money directly to a bank card or e-wallet, but with a registered business, everything is more complicated.

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Is an online cash register necessary when accepting payments online?
Yes, it is mandatory. According to Federal Law No. 54-FZ , all individual entrepreneurs and legal entities are required to use KKT (online cash register): issue receipts and transfer sales information to the Federal Tax Service. For now, several deferments are in effect - for example, individual entrepreneurs without hired workers who sell goods or services of their own production can work without KKT until July 1, 2021.

Then you will still have to use the cash register. You can't work without it - you'll get a fine.

This does not apply to the self-employed and those who sell something as an individual. The self-employed write out checks after each sale in the My Tax app and pay 4% of sales to individuals, 6% of sales to legal entities. And individuals simply fill out the 3-NDFL declaration and submit it to the tax office.

How to connect cash register
There are three connection options:

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buy a cash register with pre-installed software, enter into an agreement with the OFD (fiscal data operator, which will transfer receipts to the tax office) and connect the cash register to your payment system;
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rent a cash register from those who provide acquiring services: they will bring the cash register to you, help you install it, and will service it;
•
rent a cloud-based online cash register: this is more convenient because you just need to connect to the payment system, and the rest will be done for you.
When renting a cloud online website development service cash register, the service provides you with a separate cash register, it is just not in your office, but at theirs. The service also enters into an agreement with the OFD, and payment receipts go to the tax office. The rented cash register is connected to the payment system using plugins for CMS or API, and the setup itself usually takes 1-2 days.

There are many services that provide cloud online cash registers or rent cash registers. These are Atol , MTS , Kassa (former and many others. Decide for yourself which one to choose.



For example, MTS offers the following rental conditions:

How to connect online payments - MTS rental conditions
Two ways to connect online payments while complying with the law
There are two options: use acquiring from a bank or a payment acceptance aggregator.

Acquiring from a bank is when money comes through a specific bank, but buyers will only be able to use debit or credit cards. Which ones exactly depends on who your bank works with. You can also connect lending on the site - the buyer's application will be sent to the bank you work with.
Sberbank accepts payments from cards of five payment systems, and other banks are not far behind.

How to connect online payments - accepting cards

The acquiring fee is small - for example, Sberbank charges from 1.6% of the payment amount for online stores. The exact rate depends on the turnover: the more you are paid, the less you pay. The money is credited to your account every business day.

It is easy to connect a payment gateway to a website via a module for your CMS or API: bank support will help with this. But you will have to integrate acquiring with KKT yourself, but there are ready-made technical solutions for this too.

Payment acceptance aggregators offer to accept payments online in many ways - from a mobile account, from bank cards, electronic wallets and even through terminals. They also connect purchases on credit, and then the application will go to the company working with the aggregator - a bank or microfinance organization.

Aggregators have higher commissions because they do not accept payments themselves, but act as intermediaries. On average, you will have to pay about 2-4% depending on the turnover and the payment method chosen by the buyer. Here, too, the scheme works: the higher the turnover, the less you pay. Money is withdrawn every day, sometimes up to twice a day.

For example, at ariffs depend not only on turnover and payment method, but also on your area of ​​activity.

How to connect online payments - tariffs

The aggregator is connected via CMS or API. But there will be fewer problems with the cash register - some aggregators can immediately provide their cloud online cash register, and you will not have to integrate anything.

In any case, you will have to pay some part of the turnover. Take this into account when setting the price of goods: keep a budget to understand how much you need to increase prices to cover expenses.

What exactly to choose depends on what kind of business you have. If your turnover is small and you don’t want to lose a lot of money, and most customers pay by card, connect bank acquiring. Don’t forget to rent a cash register or buy your own, and then integrate it with the payment gateway. And if you have a large turnover and want to accept payments in different ways, choose an aggregator that will immediately provide a cloud online cash register. Then you can set everything up in one plugin, and you won’t have to spend a lot of time connecting the cash register.

The connection process itself will depend on which method of accepting online payments you have chosen and which contractor you have contacted. In most cases, it is enough to involve a developer to install a plugin in the CMS: the rest will be done by a bank or aggregator.
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