Russian Acquiring – more than 20 banks, online cash register, OFD, payment via Visa; MasterCard; Mir, UnionPay; SBP for CS-Cart Multi-Vendor marketplace

Russian Acquiring - more than 20 banks, online cash desk, OFD, payment via Visa, MasterCard, Mir, UnionPay, SBP for CS-Cart Multi-Vendor marketplace

Features: Holding payment by card, saving payment cards, SBP, preauthorization of SBP, automatic change of statuses by event from the bank, automatic change of payment by order status, online cash registers and connection to OFD, adding payment cards by the buyer in the LC, creating an order by the administrator for an authorized buyer's card. 

Important! SSL certificate is required for the module to work correctly.

Connectable Banks

Alfa-Bank — is one of the five largest Russian banks.

"VTB" - specializes in servicing small businesses and individuals. one of the largest players in the Russian banking services market.

Bank Otkritie is one of the largest banks in Russia, specializing in services for individuals, individual entrepreneurs and small businesses.

Raiffeisenbank, one of the largest and most reliable banks, develops specialized solutions for corporate clients: residents and non-residents of the Russian Federation.

"Sberbank" - reliable acquiring at minimal cost. It has its own processing center and a team of highly qualified specialists.

"UBRiR" — Ural Bank, specializing in corporate banking, retail deposits, foreign exchange and securities operations.

"Tochka" - the bank specializes in working with medium and small businesses. All work with the bank is carried out remotely.

"Russian Standard Bank — the bank offers innovative acquiring solutions, which guarantees the safety of online payment for customers.

Promsvyazbank is the tenth largest bank in Russia in terms of assets.

"Moscow Credit Bank" - the bank offers a wide range of universal services for both corporate clients and individuals.

Gazprombank is the third largest bank in Russia and offers the widest range of services for all categories of citizens.

"BANK URALSIB &mdash" — the main line of business is corporate clients and investment business.

Bank "Saint-Petersburg" — the Bank operates in St. Petersburg, Leningrad region, Moscow, Kaliningrad.

Bank "Saint-Petersburg" — the Bank operates in St. Petersburg, Leningrad region, Moscow, Kaliningrad.

"Moskommertsbank" — subsidiary bank of JSC "Halyk Bank of Kazakhstan", a wide range of banking products, services for both corporate clients and individuals.

"Moskommertsbank" — subsidiary bank of JSC "Halyk Bank of Kazakhstan".

Tinkoff Bank — the bank relies on modern technologies and remote work. It is actively developing work with legal entities.

Tinkoff Bank ‐ the bank relies on modern technologies and remote work.

"Moscow Industrial Bank" - the bank's core business is supporting the real sector of the economy.

"POCHTA BANK" — is a member of VTB Group. The purpose of its creation is to make financial services more accessible.

"QIWI Bank" — a bank for customers of the QIWI Wallet service.

Before you apply to join PayKeeper, make sure you have the following information on your website:

• < li>Contacts, < li>Conditions for order cancelation and refund, < li>Payment Methods, < li>Description of goods and services, < li>Conditions for delivery of goods.

After receiving the application, PayKeeper will definitely check if this data is available on your site and if it is not, it will ask you to correct the deficiency. This will not prevent you from connecting to the service, but it will delay the process. Therefore, it is better to check and prepare everything in advance.

Who the module is suitable for

The module is designed to work in any business environment and allows for a variety of scenarios such as:

• < li>Internet store: goods and services, < li>Marketplace: Goods and services,< li>Marketplace or online store courier delivery,< li>Seller courier delivery,< li>Marketplace or online store POOR,< li>Seller POOR,< li>Offline retail outlet. 

The module supports the implementation of online store, marketplace and offline outlet scenarios on a single online cash register, without connecting a separate device for each business area.

For an online store

• < li> Accepting payments by Visa, MasterCard, MIR, UnionPay and other cards,< li> Holding payment,< li> Accepting payments by SBP, < li> SBP preauthorization (coming soon, in the works)< li>Two-step or one-step checks,< li>Transfer of "Honest Mark" labeling,< li>Saving the buyer's card for Visa, MasterCard and Mir payment systems,< li>Automatic change of order statuses by payment statuses,< li>Automatic change of payment statuses by order statuses,< li>OFD connection,< li>Cloud online cash registers: ATOL Online, OrangeData, PayKeeper Kassa, Kit Online BusinessKassa,< li>Connection stationary online cash registers: Evotor: Evotor 5, Evotor 7.2, Evotor 7.3, Evotor 10; ATOL: FPRINT-22PTK, 11F, 25F, 30F, 52F, 55F, 77; SHTRIKH-M: M-01F, M-02F, LIGHT-01F, LIGHT-02F, ON-LINE, RITEIL-01F, MINI-02F; ModuleCash,< li>Support for agency scheme of work with the transfer of information about the supplier to the tax authorities,< li>The ability to connect an unlimited number of legal entities with their own contract with the bank,
• The ability to connect an unlimited number of legal entities with their own contract with the bank,
• < li>Creation of transaction separately for each warehouse if the buyer orders delivery from different warehouses,< li>Creation of order by administrator with payment by saved card,< li>.Blocking of order statuses for the store administrator,< li>Addition of payment cards by the buyer in the personal cabinet,< li>Creation of an order with pre-authorization of the card for the subsequent debiting by the order status,< li>Scenarios of authorized statuses for use by the administrator,< li>Hiding the payment method if the order has more than one warehouse,< li> Accepting payment by SBP directly to the nominal account bypassing the current account.

For Marketplace

Organization of the work of the marketplace, including the agency scheme: the seller (vendor, seller, merchant) uploads its goods to the marketplace and puts them on the showcase, the buyer chooses goods and makes a purchase. At the moment of payment, the tax office receives information about the transaction, including: the sign of work under the agency scheme, the name of the owner of the goods, his TIN, the type of taxation, the amount of tax. All funds are transferred to the account of the marketplace, in the future the marketplace transfers the amount due to the seller. From the received remuneration the seller pays taxes on his own. Marketplace does not pay tax on the entire amount received on its account, but only on its profit. Combined schemes of work are possible, for example, in the scenario of marketplace + online store, when the marketplace trades both its own goods and those of sellers.

• < li> Accepting payments by Visa, MasterCard, MIR, UnionPay and other cards,< li> Holding payment,< li> Accepting payments by SBP, < li> SBP preauthorization (coming soon, in the works)< li>Two-step or one-step checks,< li>Honest Mark transfer,< li>Saving the buyer's payment card (for payment systems Visa, MasterCard and Mir),< li>Automatic change of order statuses by payment statuses,< li>Automatic change of payment statuses by order statuses,< li>OFD connection,< li>Cloud online cash registers: ATOL Online, OrangeData, PayKeeper Kassa, Kit Online BusinessKassa,< li>Connection stationary online cash registers: Evotor: Evotor 5, Evotor 7.2, Evotor 7.3, Evotor 10; ATOL: FPRINT-22PTK, 11F, 25F, 30F, 52F, 55F, 77; SHTRIKH-M: M-01F, M-02F, LIGHT-01F, LIGHT-02F, ON-LINE, RITEIL-01F, MINI-02F; Cash module,< li>Support for agency scheme of work with the transfer of information about the seller to the tax authorities,< li>Possibility to connect sellers under their agreement with the bank,< li>.Creation of transaction separately for each warehouse if the buyer orders delivery from different warehouses,< li>Creation of order by administrator with payment by saved card,< li>Locking of order statuses for the store administrator,
• /li>< li>Creation of order with pre-authorization of card for subsequent debiting by order status,< li>Addition of payment cards by customer in personal cabinet,< li>.Scenarios of authorized statuses for use by the administrator,< li>Hiding the payment method if the order has more than one seller or more than one warehouse,< li> Accepting payment by SBP directly to the nominal account bypassing the current account.< li>Offline point of sale

It is not uncommon for owners of online stores and marketplaces to organize not only a website, but also retail points of sale, which also need to be equipped with cash registers and to accept payments, including cash. Our module allows you to use an online cash register at an offline point of sale instead of a stationary cash register, which allows you to save money, reduce costs at the initial stage of store development or implement complex business schemes. Among other things, it allows you to implement several interesting scenarios that will make working with offline customers easier and more convenient.

Ordering in advance through the website or through a manager

The customer independently or through a manager on the phone creates a personal account for himself on your site, selects goods and places an order. As a method of payment he chooses cash payment in the store. After receiving a notification that his order has been collected, the buyer comes to the store, pays for the order in cash and picks up the goods. The manager changes the status of the order in the administrative panel to "Paid", after which the tax office receives information about the transaction with all the necessary information, the buyer receives a check by email or SMS.

A manager can create an order for the vendor and make payment using the customer's previously saved card.

Offline Buyer Portrait

One of the opportunities that using an online cash register opens up for different scenarios is the creation of a customer portrait from a retail outlet. Thus, the buyer gets the opportunity to continue buying from you not only in the retail outlet, but also on the site, and he does not need to do anything. Everything has already been done for him by the seller. He also gets access to the history of all purchases, including those made at the retail outlet. You also get nice bonuses from this situation, starting with all the same purchase history, contact information, age, gender and social group of the buyer. Using this information, you can create customized offers for him based on his past purchases, offer to participate in promotions, offer birthday discounts, in other words, work with the offline shopper just as you would with an online shopper.

Courier delivery of an online store or marketplace

The courier brings the customer his order, receives payment in cash or via online transfer, gives out the goods, changes the status of the order to "Fulfilled", ensuring compliance with the legislation 54 FZ "On the use of cash registers". All necessary information is sent to the OFD, and the customer receives a receipt by e-mail or SMS.

PVZ of online store or marketplace (Soon)

Points of delivery — this is a convenient and popular way to receive orders from online stores and marketplaces. Among other things, because there you can inspect the goods before purchasing, try them on and decide whether to buy them back or not. An employee of a retail outlet can both give out already paid goods and accept payment in cash or online transfer. To do this, he just needs to change the status of the goods to "Paid" after receiving the money, after which the information about the sale will be automatically sent to the OFD, and the buyer will receive an electronic receipt by e-mail or SMS.

Basic functionality of the module

The functionality of the integration module works through Pey Keeper service - the largest service offering convenient integration with banks and payment systems. Through this service you can realize various payment acceptance scenarios: bank cards, Quick Payment System, Soft and mPOS terminals. Pay Keeper cooperates with the largest banks of the country, which guarantees you the opportunity to choose the most favorable conditions for acquiring. Moreover, if you connect via Pay Keeper agreement, the service will offer you nice discounts on acquiring by cards and SPB.

Working through the Pay Keeper service allows you to connect more than one bank. For example, you have chosen a bank with the most favorable terms for SBP, but this bank does not support saving payment cards and payment holding. Then you can sign agreements with both banks and manage your accounts through Pay Keeper.

Working through Pay Keeper allows you to connect to more than one bank.

It may happen that you decide to change your bank. If you use the Pay Keeper service, you do not have to change the software. You just sign a new contract and continue to use our module. There are no additional costs for a new module, and you don't have to learn how to use a new program.

Payment by debit or credit card

The module supports accepting payments by cards of all major payment systems: Visa, MasterCard, UnionPay, Mir, as well as Yandex Pay, MTS Pay, QIWI, PAYMENT BY DOLLARS and others. For Mir, Visa, MasterCard cards the function of card token saving is supported.

SBP Payment Acceptance

Fast Payment System is an actively developing and popular payment method, convenient for both buyers and sellers. FPS is a low interest rate of 0.4 - 0.7%, ease of use, the ability to save token (now in work, but works on the same principle as saving payment card token). This feature is already implemented in the module, please check the availability of the functionality with your bank's specialist.

Honest Mark

According to the legislation, a number of goods are subject to mandatory "Honest Mark" labeling. Each product is assigned a unique identifier, and the loss of this unit of goods from the turnover occurs only through the OFD, that is, along with the information about the transaction to the tax authorities must go and the identifier of the marking of the Honest Mark for each product.   The module automatically sends the Honest Mark identifier to the OFD during the completion of the transaction, so the legislation will be complied with without additional effort on your part.

The module automatically sends the Honest Mark identifier to the OFD at the time of completion of the transaction, so the legislation will be complied with without additional efforts on your part.

Automatic order status change

When placing an order from the checkout, the customer is taken to the bank widget, where he needs to enter his payment details and confirm his readiness to pay for the purchase. Then events can unfold according to one of several scenarios:;

• < li>The money has been debited from the account, payment has been made, < li>The money on the account is insufficient, payment has not been made, < li>The card is blocked, payment has not been made, < li>The buyer has canceled the payment himself.  

The module receives a response from the bank and automatically changes the order status to the appropriate one. In this way the following scenarios are triggered: if the payment has passed, the order is processed, it is picked, packed and sent to the buyer; if the buyer cancels the order, the goods will remain in the checkout for further ordering, and so on.

Automatic order status change allows you to keep track of everything that happens to your order. In case something goes wrong, you will always be able to see exactly what happened based on the statuses.

Automatic order status change allows you to track all the events that happen to an order.

Automatic change of order statuses by transaction status 

We are required by law to issue a receipt to the buyer when we accept payment under the AVANCE scheme to confirm that the transaction has been completed, and we must issue a closing receipt when the goods are delivered to the buyer. Either the courier or the transportation company informs us that the buyer has received his goods. The module automatically receives information about the order delivery from third-party modules, for example, the Delivery PRO PLUS module, and changes the transaction status according to the order status. The goods are given to the customer, the order is completed, and the closing check is printed.

Saving payment cards 

Today, online stores and marketplaces are literally one click away from each other. And any delay, any delay in purchasing goods can take the buyer from one site to another. And so the buyer reaches the checkout. Now he needs to find his bag, take out his wallet, take the card out of it, write down its number, expiration date, CVC. This can take up to 5 minutes. If at this stage someone distracts the buyer, he can simply close your store, return to the purchase later or find the desired product on another site.

Saving payment cards allows you to significantly increase conversion rates for those who buy goods from your store repeatedly or regularly. The customer no longer has to go through all the steps above, just select the saved card and click the "Pay" button. Even if the buyer has important things to do right now, he will have time to press two buttons. Card data is automatically saved when making a purchase, and the buyer can disable the use of the card in his personal cabinet.

Holding a payment

Holding - from the English "Hold" - withholding - withholding of payment. After the order is created on the bank's side, the funds are frozen: they remain in the buyer's account, but he cannot use them. This way, you have a 100% guarantee that you will receive the money from the buyer.

Withdrawal of funds occurs after the occurrence of a predetermined event: for example, confirmation of the availability of goods from the supplier, confirmation of the order picker in the warehouse, etc.  Funds are frozen on the buyer's account for a maximum period of 7 days, but we recommend a maximum period of 5 days (each bank has its own regulations on this issue, but as a rule not less than five days). If the debit command is not received within this period, the funds are either automatically unblocked on the buyer's account or transferred to your account. You can customize the action after the deadline in your personal cabinet.

When money from the buyer's account is transferred to yours, the order status changes to "Paid". After that everything develops according to the standard scenario. This is a convenient and useful feature that allows you to save significantly on acquiring. After all, if the buyer pays for the goods and they are not in stock, the money has to be returned, but no one will return you the interest paid for acquiring. Over the course of a year, such canceled orders can add up to a pretty penny.

If you use a hold, the money is only credited to your account once you confirm availability, and only at that point will the acquiring interest be deducted.

The ability to edit an order is supported when holding it. For example, a customer has ordered a phone of a certain brand and color. However, you have a phone of the same model but in a different color. You call the customer and ask if he would like a different color. However, in your system, they are two different items, so you go into the order, change one item to the other, and save the order.

Note, the item must have the same price as the original item or less. In the second case, the difference in value will remain on the buyer's account.

In order to activate the functions of saving payment cards and holding, it is necessary after acquiring connection to write an application to the bank about the necessity of activation of these services.

Withdrawal of funds from the buyer's authorized card by order status 

This feature also allows you to save money on acquiring, but in this case the payment comes without freezing the money in your account.

The buyer creates an order with payment after a call with the manager. If the buyer does not have a saved card, the system prompts him to enter the card data to be saved, after which a small amount of money is deducted from the card, for example, 1 or 10 rubles, to confirm the data, then the money is returned to the buyer's account.

If the buyer already has a saved card, he selects it as a means of payment. The manager calls the buyer, confirms the availability of goods, changes the order status to "Confirmed". After that, the money is automatically deducted from the buyer's card. Please note that in this case there is no guarantee that there is enough money on the buyer's card to pay for the order. If there are not enough funds, the order will receive the status "Transaction failed".

The use of saved payment cards, as an alternative to holding, allows the order to be edited also with an increase in value. The buyer can select items that are not compatible with each other. Then the manager calls the buyer back, discusses replacement options, edits the order and then initiates payment from the stored card.

Create a non-payment order with the buyer's card saved for a later transaction

The core of the system is organized in such a way: if the goods are in two or more warehouses, several orders will be created in the system - parent and child orders, the goods will be distributed between different warehouses. In this case, the payment will be made on the parent order, and in the system the child orders will be actual. There is no possibility to synchronize the statuses of parent and child orders without complex logic, and it is not always convenient. It is easier to make payment on separate child orders. However, the customer is unlikely to want to pay for each of them separately.

Our module allows you to automatically split payments using the same saved cards. The customer creates an order, clicks pay, at that moment child orders are created and payment is automatically created for the orders using the saved card data.

Create a manual order per customer 

This function is necessary in cases when after paying for the order the buyer realized that some of the products in the order does not suit him, and he needs another product with a higher price. In this case, it is necessary to cancel the order, refund the money and create a new order for a larger amount and pay for it.

But the customer may not want to take the time to place a new order. In this case, if the customer has a saved card, you can manually create an order for the customer with the selected products and place the purchase in parallel with the phone call. The money will be automatically debited from the linked card. The plus for the buyer is that he gets the goods he needs without unnecessary movements. For you, you get a new order, increasing your conversion rate.

Unscrupulous shopkeepers and marketplaces may try to profit from this and place orders without customers' knowledge. In this case, however, the bank will quickly freeze the abusers' bank accounts after the first customer complaint.

Customize default seller settings. 

For each seller you can make individual settings in his profile. 

Transmission of information to the tax authorities

The module automatically transmits to the tax authorities all the necessary information about the transaction: information about the goods sold, their owner, the agent's attribute, the size of the tax rate and so on . The module transmits information about both the sale of goods and related services, such as delivery.

Important: in order for the information to be transmitted correctly, it is important to properly configure the module. Including setting the size of the tax rate. 

The basic tax rate is specified in the seller's settings. However, for some categories and even individual products, the tax rate may differ. In this case, you can specify the tax rate directly in the product.

Separate important point: setting up the transfer of information to the tax authorities about the provision of delivery services. To do this, go to the tab "Administration" - "Delivery and Taxes" - "Taxes", select the appropriate option and go to the settings. It is important in the section "Tax rates" for each region to specify some value, at least 0. The column should not be empty.

Then you need to go to the delivery method settings, and there you need to specify what rate will be used for this delivery method. In this case, the receipt will contain all the necessary information about both the product and the delivery.

On the horizon: Recurring payments 

Recurring payments are regular payments to pay for goods or services based on a subscription. The peculiarity of such payments is that each payment must strictly correspond to the subscription amount, if it is 1000 rubles, then every month will be charged exactly 1000 rubles, neither more nor less. This means that discounts and promotions cannot be applied to such payments, and if you want to increase the subscription price, you will have to contact the buyer, ask him to cancel the subscription and buy it at a higher price.

We plan to implement this feature in the module by Q4 2023.  However, you can already customize recurring payments using our Regular Payment and Implemented Recurring Payments module. It allows you to customize different payment scenarios, including promotions or price increases. For example, you can offer your customers a subscription for 1 ruble for the first month, charge 500 rubles for the second month, and 1000 rubles for the third month, the full subscription price.

You can also increase the subscription price, but it is very important to specify this point correctly in the offer contract. Please contact our manager for advice.

Online cash register from the payment service PayKeeper 

Different cash registers and online cash register services can differ significantly in functionality. Our module works through the PayKeeper payment system and supports all types of cash registers and online cash registers with which the PayKeeper service works.

Stationary cash registers:

• Evotor,
• ATOL,
• Shtrich-M,
• ModulKassa.

 Online cash registers:

• PayKeeper Kassa,
• ATOL Online,
• OrangeData,
• Kit Online,
• BusinessKassa.

As of the date of publication (22.08.2023), we have only tested the simultaneous operation of online store, marketplace and offline outlet scenarios on PayKeeper Kassa. Please check with your manager about the possibility of connecting all three scenarios.

Compatibility with other modules 

The module is compatible with our delivery modules "Delivery PRO PLUS" and "Russian Post". Together they support the transfer of delivery tax information to the tax authorities as a service.

Payment Event Log

The module supports full order logging at the time of transaction creation, if you dive into the details, you can get almost all information about the request to the bank and what the bank responded to quickly find cause and effect.