Accepting payments, without intermediaries?

Question

Marketing

With coming!
On New Year's Eve, I want changes and I decided to get rid of the Yandex checkout.
Too expensive, the attitude is strange, well, I think you know.
The question arose about how to connect directly.
After reading, I realized that if you accept payment from a certain bank (Sberbank, TKS and others), then everything is simple there.
Came, filled out, signed. They issued a form and a key.
I saw we will accept visa / maestro cards without indicating the bank, how is it?
If you have a visa card from Sberbank, entered the serial number and that's it?
And the last question, this is with email. wallets "Yandex money", which clamped its api, how to connect to them, through the Yandex cash desk?
Forgive me if I didn't formulate the question correctly, the first time I don't really understand everything.

Answer 1

Do not want intermediaries? OK no problem. You need an agreement for acquiring services with each electronic money system that you want on the site, as well as with a bank providing bank card acquiring services. For each such contract, you will be required to pass acceptance tests and at the end you will receive the services you need with a commission of about 3%. Want less? Raise the turnover to millions a month, then it may be reduced. Again, each system will have its own turnover, and if the commission for your turnover is reduced on bank cards, then the turnover on electronic wallets may not reach it. Add the development and implementation of an aggregation page for all these gadgets, API support for each payment acceptance system separately, as well as daily reconciliations of registries for each payment system. If you think that all this work is worth saving 2%, then forward to the victory of communism. And by the way - if you are an individual, then no organization will enter into an agreement with you for the supply of such services. No banks, no webmoney, no one ... Individuals only care about Yandex.Checkout, Robokassa and others like them.

Answer 2

There are a lot of payment systems. Paypal foreign for example is not bad now moving forward in Russia.

Answer 3

Yandex money should be abandoned altogether .. 5.5% commission is too much.
This is not a bad solution, but I recently found it and know little
https://paykeeper.ru/paykeeper/prices/comissions/

Answer 4

payme.biz

Answer 5

You won't directly make it drastically cheaper. Development, support, legal red tape will cost you dearly. And the bank will still take a commission.
Just look for other payment aggregators where commissions are lower:
onpay.ru/usloviya-i-tarify/tarify
https://payanyway.ru/info/w/ru/public/w/partnershi...

Answer 6

Hi, I'm terribly sorry that you have such an impression about Yandex.Checkout. Maybe we can somehow correct this impression? Tell me, please, your ShopID - I will pass the feedback on to my colleagues to work on the bugs.