Robokassa is an electronic payment system focused on servicing a payment acceptance business. The system began operating in 2002 under the name ROBOXchange. The service works with almost all systems of popular electronic currencies that can be exchanged in real time. In addition, the payment system allows you to pay for various types of services in favor of providers, utilities, transport companies.

Business representatives, the "Robokassa" system allows you to accept payments from customers in various types of electronic currencies. For this can be used:

self-service terminals;
modern money transfer systems;
SMS payments.
As of January 2106, Robokassa served over 50 thousand government and commercial organizations.

The new financial center was established in 2011, when TM Robokassa entered into an agreement with the closed joint stock company Ocean Bank. The main direction of the financial platform is providing online stores.

 

Payment service differences

In the market of modern payment systems, the "Robokassa" service differs in that it is focused on entrepreneurs. There are many convenient ways to calculate:

electronic money;
self-service ATMs;
mobile applications;
debit and credit cards;
Internet banking.
Information security is guaranteed by a certificate that meets international requirements. The company uses modern PCI DSS data protection technologies.

 

System operation

The payment service acts as an intermediary between the buyer and the business representative. The commission is charged only to the service provider. Legal entities and private users can use the service. At the same time, payment in Robokassa takes place in the traditional way: the client selects a suitable option from the list of payment systems, indicates the amount and, after filling in all the fields, confirms his actions.

The system offers a number of options for paying for goods and services, in particular:

by credit card. This payment method is currently the most common in the world. Payment is allowed from post-Soviet countries, as well as from a number of non-CIS countries. All transactions are encrypted over closed channels;
mobile devices. The method of payment for services using "mobile commerce" has replaced outdated payments using SMS notifications. This method is convenient because mobile devices are always at hand. Among the advantages of payment using mobile devices, it is worth highlighting the prompt receipt of funds, the minimum commission and the ability to carry out transactions 24 hours a day;
Internet Banking is a convenient and efficient payment method provided by the Robokassa system to customers. To use this method, there is no need to create accounts: just go to the global network and transfer funds from a bank card;
self-service terminals. To deposit funds, the user must be registered in the Robokassa system. Account replenishment can be performed from any kiosks that are partners of the payment service;
mobile apps for iPhone. Modern solutions allow you to use applications for transferring money, which are pre-installed on a mobile device. The translation can be carried out at any time, regardless of the users location.

Store connection

Every business owner, namely an online store, is faced with the need to connect payment acceptance modules. To resolve this issue, you can use a payment aggregator, which allows you to work with one service. Thus, customers will be able to use the most comfortable payment methods for goods.

The modern Robokassa system offers service connection free of charge. Also, business owners are exempted from monthly fees. The payment aggregator can be connected for individuals and legal entities. When using payment cards of popular PS Yandex.Money, WM and some, payment in Robokassa is free of charge. Business commissions range from 1.5% to 5%. The determining factor in determining the commission rate is the companys turnover. Also, the commission fee is affected by the type of goods that the store sells, as well as currencies.

As of 2016, the Robokassa system offers a number of tariffs for legal entities.

Tariff plan "Shock". Connection is possible with a companys turnover of 50 million rubles. Payment using various payment systems, commission:

Bank card - 1.7%;
Yandex.Money - 7%;
Kiwi - 4%;
Svyaznoy, Euroset - 4%;
Internet banking - 4%;
WM - 3%;
MegaFon, MTS, Beeline - 5%;
Other PS - 3%.
VIP tariff plan. Connection is possible with a companys turnover of 10 million rubles.

Bank card - 2.3%;
Yandex.Money - 7%;
Kiwi - 4.5%;
Svyaznoy, Euroset - 4.5%;
Internet banking - 4.5%;
WM - 3.5%;
MegaFon, MTS, Beeline - 5%;
Other PS - 3.5%.

Tariff plan "Start". Connection to the "Robokassa" system is possible with a companys turnover of 300 thousand rubles.

Bank card - 3.9%;
Yandex.Money - 7%;
Kiwi - 5.9%;
Svyaznoy, Euroset - 4.9%;
Internet banking - 4.9%;
WM - 4.9%;
MegaFon, MTS, Beeline - 5%;
Other PSs - 4.9%.
Tariff plan "First". Connection is possible regardless of the companys turnover.

Bank card - 5%;
Yandex.Money - 7%;
Kiwi - 6%;
Svyaznoy, Euroset - 5%;
Internet banking - 5%;
WM - 5%;
MegaFon, MTS, Beeline - 5%;
Other PSs - 5%.
Also, the Robokassa system offers "Basic" and "Real" tariffs, and for companies engaged in charity and religious activities, the "Dobrokassa" tariff.

System connection

You do not need to use software to interact with the processing center of the payment service: pairing is carried out using a special script that is installed on the stores website. Integration can be done independently or you can use the help of the companys specialists. A test server is also available to users of the "Robokassa" service. All technical information is presented on the official portal of the payment service. After making a decision, the client needs to send an application to the company for connection.

When connecting a store to a payment system, you should pay attention to the following requirements:

the online store must function, be filled with an appropriate offer for customers;
single page sites are not allowed for law firms;
the store must be public (do not require registration from customers);
the site must be located on a paid hosting;
the offer for customers must comply with the law (sites with prohibited content are not allowed);
the site must carry public data about the company (provide clients with full legal information, which includes the name of the company, contacts, location of the head office);
the goods the store offers must be described. Also a prerequisite is the availability of the price of the goods;
all pages with services, goods must be on a single domain.

How to withdraw funds?

Funds are credited to the account of the online store, which is indicated during registration. The withdrawal is carried out without commissions.

EPS Robokassa offers ready-made modules for connecting to the system: HostCMS, WebSite X5, 1C-Bitrix and many others.

 

IPhone App

One of the most relevant payment methods is Robokassa payment for services and goods via mobile devices. The companys specialists present their own development that allows you to perform transactions from the phone.

Today, the telephone has become an indispensable companion for every person, and given the development of 4G networks, with a mobile device in his pocket, a person can feel all the advantages of a stationary computer. To install the application, you must select it from the iTunes catalog.

To use the service, you must create an account: you must indicate your email and phone number. After linking a debit, credit or virtual card to the account, which takes no more than a few minutes, the user can use the entire functionality of "Robocass".

 

IPhone Transactions

Payment for services and goods is made after a certain product or service has been selected. To confirm the action, you must select the method of depositing funds "Via iPhone" and go through verification by specifying the phone number. After that, you should log into your Robokassa account and find a suitable bank card through which the payment will be made.

After installing the application for mobile devices, customers can use the payment services of various providers, ranging from utilities and ending with games. On the companys website, you can familiarize yourself with the entire list of goods and services that are available for payment.