Payment systems for websites and online stores
When the site is sufficiently developed to accept online payments, the task is to monetize this resource, that is, to use a payment aggregator. Which payment system to choose for the site? What is the peculiarity of each of the options? What are the first connection nuances to remember?

Important tips when choosing an option

When choosing a payment system for a website, it is worth considering the following points:

- The companys experience in the market and reputation.

- Stability of the company in terms of accepting payments.

- Availability of customer support.

- Ability to take a free test.

- Tariff scale, amount of commission payments and their flexibility. Particular attention should be paid to hidden payments that many payment systems have for the site.

- Ease of integration, convenience of the interface for the user and the visitor.

- Number of acquiring banks. If the choice is given, then this is only a plus.

- Availability of online payment acceptance service.

- Certificates and certificates confirming the right to work in this area.

- Ability to pay offline - through terminals and other payment points. 

Overview of popular services

Below is a list and description of the most popular and reliable services that have earned the trust of users.

    Yandex.Money is one of the most popular systems. The connection time is three days. Here it is worth considering the following points:

- Legal entities must leave a request on the corresponding Yandex.Money page and, after communicating with the manager, send a printout of the offer (a scanned version will be enough).

- Individual entrepreneurs must install a form on the resource that allows you to accept funds from wallets, after which you can accept currency. The size of the commission is 2%, but not less than 30 rubles. Payment of commission is an obligation of the buyer, but not the owner of the site.

- General rules. A button is installed on the site through which payments are received from wallets and cards of popular payment systems. An agreement is not required. There is no connection fee. The size of the commission is 0.5% (if the transaction takes place using a wallet) and 2% when transferring from a bank card.

When deciding which payment system to choose for the site, it is worth considering additional features. In the case of Yandex.Money, it is worth highlighting - the presence of automatic payments, the safety of customer information, pre-authorization. If a company belongs to the charitable category, then it can count on saving when connecting (2% discount).

    Mobi.Money is a relatively new payment system for Internet sites, distinguished by its reliability and popularity among domestic Internet users. The average connection time is two days. During the period of registration of the agreement, it is allowed to test the system for two days (in demo mode). If there are no problems at the testing stage, then the system is transferred to normal mode.

The size of the commission varies and depends on a number of factors - the theme of the site (from what sells or offers the resource), the average size of the check, and others. If you have any questions about the connection, you can always contact the support service. Withdrawal of funds occurs every third day. Like the Yandex.Money system, there are discounts for charitable organizations.

    RBK Money service is a well-known payment system for the site, which was called Rupay. The connection is made quickly - within a few hours. For registration it is necessary to prepare a questionnaire, application, passport, PSRN and TIN. The average size of commission payments is 3.9% (in some cases this parameter can be revised). There is a minimum rate of 2%. When the commission is reduced, several factors are considered - the popularity of the site, the field of activity, exclusivity, monthly turnover, and so on. Payment can be made through Yandex.Wallet or WebMoney. Withdrawals occur every day, there are no limits.
    IntellectMoney system is installed on most modern websites. Connection is made within 8 days, payments are accepted in the period from one to three days. A minimum package of documents is required (a scanned copy is enough). To connect, you need to register on the resource, wait for the managers call and discuss the main points. For using the service, you must pay a commission in the amount of 3.5% or more. Yandex.Money is accepted, but in the near future it is planned to establish acceptance of other currencies - Qiwi, WebMoney. Withdrawal of funds occurs within 2-5 days (there is a manual and automatic withdrawal type).
    Money Online is a payment system for Internet sites, which takes a lot of time to connect (about two weeks). For registration, a standard set of papers is required - an extract from Rosstat, a document confirming registration and others. The initial commission is 5%. Payments are accepted through e-wallets, terminals, mobile payments, money transfers and so on. Withdrawals are carried out every three days. There is no limit, the provision of documents is required.
    The PayU service is an equally popular payment system for the site. The total time spent on connection is up to five days. The connection process consists of several steps - filling out an application for a resource, discussing issues with a manager, concluding a contract. Only an individual entrepreneur or a legal entity that is a resident of the country can act as a seller. For using the system, a commission is charged, the amount of which is 2% or more. Money is withdrawn from the system once a month.
    PayOnline. The connection will take up to two weeks. The registration process involves filing an application, entering data into a questionnaire and presenting a minimum package of papers. After submitting the application, you will have to wait a bit (the processing time is on average 1-2 days). As soon as the application is approved, the Internet resource receives a commercial offer. If everything suits you, then a contract is signed. The documents are sent to the banking institution, and the system itself begins to work in full. The size of the commission can vary and range from 0.9 to 3.9%. Much depends on the type of activity chosen and the decision made. Visitors can pay via WebMoney, Qiwi, Yandex.Money, bank cards, and so on. Money is withdrawn within six days.
    Pay2Pay. It will take about a month to connect to the system. The process involves registering on the site, filling out a questionnaire or submitting scanned documents (as a rule, TIN, OGRN and other papers are required). You must pay at least 4% commission for using the service. Withdrawals are made twice a week. In this case, the size does not matter.

To determine which payment system to choose for the site, you need to study the capabilities and features of each of them. In addition to those listed above, there are a number of other options, for example, Robokassa, Uniteller and others.