How to accept payments on your website

Most users have a basic level of knowledge of information and computing technologies and perceive the Internet as a means for simple business correspondence, entertainment, and simply kill their free time for communication on social networks. Meanwhile, the number of people who have made the web a means of basic earnings or part-time jobs is growing.

The network makes it possible to combine business with pleasure and replenish your savings. The size and consistency of earnings depends on the entrepreneurial spirit and skill of the individual. The most common and perhaps the most profitable type of online commerce is creating your own resource (website or blog).

Many entrepreneurs, especially beginners, are faced with the problem of organizing a payment system on their website. It is necessary to master not only the methods of monetizing your own resource, but also to solve the question of how to accept payments on the site so that it is legal? In total, today there are two ways to organize payment acceptance:

    Create your own e-wallet and carry out transactions using an acquiring bank.
    Work through an intermediary.

But what is the most profitable way to accept payments through the website? This will be discussed below.

First of all, it all depends on the turnover of the resource. For those companies that have a large one, it is beneficial to use the first option. In this case, the cost of creating a wallet pays off rather quickly. For a small online store or private site, the second option is recommended. In this case, you can accept payments on the site to an individual. The aggregator makes it possible to connect several types of payment. This can be a way to attract new potential buyers. Also, the commission will be cheaper.

Internet acquiring connection

How to accept payments on a website without an individual entrepreneur? In order to be able to accept payment for services or goods using plastic cards, initially it is necessary to choose the right bank with which the businessman will continue to cooperate. This is not as easy a task as it might initially seem. When choosing, you should pay attention to the following points:

    Connection fee. Many banking institutions do not charge such fees.
    Commission payments. Banks set the size of the service fee. This is a percentage of the amount received by the owner from the clients of his own resource. Therefore, it is recommended to clarify such points in advance with the bank and choose a financial institution that offers the most favorable conditions for cooperation. Whatever the volume of movement of financial flows, reasonable economy is always a justified measure. The optimal commission is considered to be up to 3%.
    The presence of a processing center in the bank is another important point that cannot be neglected. If it is, then the cost of services for using the bank will be less.
    What plastic cards are accepted for payments? The bigger, the better.
    Security in the form of a deposit. If this is not possible, then the user always needs to have a certain amount of money in his account.
    Technical support. It is desirable that she work around the clock and, of course, be at the bank. Of course, this is the usual standard, but the problem lies in the speed and usefulness of advice received when needed from operators. In this way, you can always protect yourself from unpleasant situations.

When choosing a bank, you must:

    Soberly assess the capabilities of a financial institution.
    Assess all the parameters and conditions of the relationship.
    Stop choosing the most convenient and optimal option for yourself.

After that, an application for connection and the necessary documents are submitted to the banking institution, the list of which can be found in the bank itself. Often, the list of required documentation may vary. Also, the employees of the credit institution can check the clients site to see if it meets all the requirements that apply to it.

If everything goes well, then you can start to create a system of cooperation. Before the user can accept payments on the site, they will go to the personal account of the resource owner. This procedure is transparent to the tax authorities, and therefore should be remembered. You should also choose only large banks with an extensive network of branches in settlements of different sizes. However, large financial conglomerates have their drawbacks. In particular, the fact that they usually have long queues at the cash desks. Therefore, the simplest operation can take a lot of time.

Therefore, a significant part of online entrepreneurs prefer to use Internet banking, which can be accessed using the web at any time of the day. The opportunity to get a free online consultation on any issue, an important and very convenient bonus of this popular service Reputable banks, as a rule, offer clients favorable conditions for obtaining a loan, which may be required for business development, or a good interest on a deposit. An extensive network of terminals and ATMs will facilitate payments and will significantly increase the number of potential buyers of goods and services, as well as the target audience.

It should be remembered that any bank tries by all means to hide its shortcomings. Therefore, it is not recommended to attach much importance to advertising. The best choice is the recommendations of acquaintances or friends and positive feedback from the clients of the credit institution. You can independently search for information on the Internet, on review sites and online monitoring resources. Only official banking structures with a solid image and an unblemished business reputation should be considered as financial partners.
 

Online wallet

It is necessary to take into account some important nuances in order to receive payments through the site without interruptions, with minimal costs. Such relations are regulated by a separate law, according to which, if a user wants to accept payments on the site as an individual to carry out business activities, then he should create a corporate wallet. To do this, you need to indicate all the details of the company, then link it to your personal account. Only in this way can you withdraw funds from the wallet or replenish it if necessary.

Before accepting payments to a site without an individual entrepreneur, you need to sign a certain agreement with the payment system. The public agreement must comply with the requirements that apply to such organizations. It should be noted that a system such as Webmoney does not meet the requirements for similar systems. They can only offer an agency scheme. The nuance lies in the fact that you do not need to register with the service, therefore, violations of the law by a businessman will not be recorded.

It should also be remembered that the selected system can also check the online store. In this case, the main requirements are:

    The presence of a domain of the first and second levels.
    Site location on a paid server.
    The authenticity of the contacts that are indicated on the site.

It is possible to obtain permission and conclude an agreement with the payment system, subject to the thorough observance of the above standards.

There are some restrictions that govern the acceptance of payments electronically. Typically, such transactions can only be made by individuals. Individual entrepreneurs cannot make electronic payments, as they are prohibited by law. The limit on a corporate wallet can be set within 6,000 rubles. Funds exceeding the permissible limit are automatically transferred to the users personal account. It turns out that it is prohibited to use an electronic wallet to conduct business. Moreover, such an action amounts to breaking the law. But even here there is a way out: a small turnover of funds (up to 30,000) can go unnoticed, but a large company cannot use this method of calculation.
 

Payment aggregator

The use of a payment aggregator allows an individual to use different options for accepting payments on the site. At the same time, it is not required to conclude a separate agreement with each payment system. After concluding an appropriate agreement with the client, the aggregator, in an offline mode, sets up convenient options for receiving funds and begins to act as an intermediary. Therefore, before accepting a payment on the site, you do not need to develop your personal page on the resource. This option will help to implement and configure the payment system much faster. The client does not need to keep track of his different wallets, since before payments are accepted on the site without an individual entrepreneur, all the money will be credited to the aggregators account, and only then transferred to the clients account. For such a service, the intermediary takes a certain amount of commission.

There are many types of aggregators. They will help organize the acceptance of payments through the site. The choice is difficult to make. However, the selection of an aggregator follows the same scheme as a bank. You should pay attention to the amount of the commission and choose the most optimal intermediary for yourself.
 

How to choose a payment system?

Such resources have become widespread on the Internet. Some systems can be used confidentially. Therefore, the circulation of funds through such resources gives certain advantages to the user. Registration in them is free, and a certain commission is charged for use. Using an electronic wallet, you can pay for services and goods on the network.

Beginners are advised to carefully read the user agreement before registering, their data must also be entered correctly, all information must be stored on a reliable source, for example, on an additional memory card (flash drive).

Tax

Novice individual entrepreneurs pay tax according to the simplified tax system. The law regulates that tax must be paid from the amount that is credited to the account from the buyer, and not the amount that is credited to the account after the commission is paid. Income is recognized in tax on the date on which the payment is made. The commission can be credited to expenses, and the date of receipt of funds to the account will be a document confirming this. Information about the movement of finances can be obtained from the wallet statement or in another way offered by the aggregator.