Choosing a payment system for a site with the ability to deposit and withdraw money?

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deOnore2019-05-01 21:25:20

Payment systems

deOnore, 2019-05-01 21:25:20

Hello.
1. Please suggest what options are available for 2019. ( I read all the possible questions and answers here, many are already 2-3 years old ).
The task is to receive payments from cards in rub / uah / usd / eur ... and withdraw by the user to their cards (ideally not only cards).
Now FOP is Ukraine, but then we can make an LLC or another country (also interested in options for where to look)
2. Is it also possible to operate in a user account with virtual currency, for example, "credits", as in some photo stocks, is this kind of prohibited in the Russian Federation or?

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4 answer(s)

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boss_lexa, 2019-05-02
@boss_lexa

a legal entity from Ukraine or the Russian Federation is only suitable for local work within the country.
To make acceptance and payments to different countries in different currencies, you need a legal entity in the European Union or the USA,
there is a payment infrastructure for this.
Registering a foreign company is easy.
But in order to open a bank account, as a rule, you need to fly to the country where the company is registered.
To connect the acceptance of card payments, you need to go through the security service and prove the address of the location in the country where the company is registered.
Payment services
https://stripe.com/
https://www.braintreepayments.com/
https://transferwise.com
https://www.currencycloud.com

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Alexander Aksentiev, 2019-05-02
@Sanasol

The task is to receive payments from cards in rub / uah / usd / eur ... and withdraw by the user to their cards (ideally not only cards).

And these are two absolutely different tasks with each other in no way connected. And the money there will be completely different at the entrance and at the exit.
The receipt is done through any of the heaps of payment systems on the RS of your LLC.
There is nothing to discuss here and it is done as simply as possible.
Payments to users is a separate issue.
1. Cash out your RS in any convenient way -> send money in any convenient way manually. This is a black scheme, so there are no restrictions on implementation, only losses will be naturally significant. Classic: client (1-3%) -> LLC (% depends on how the LLC works) -> IP on the simplified tax system (6%). It will turn out at least 10% goes to taxes / commissions.
2. Come up with some kind of contract under which you can pay users. It is decided purely by accounting and legal means. Feasibility depends on what you do in general and how payouts can be tailored to your business. If that's even possible.
There are no such payment systems that would make such payments on white. Especially in this era where everyone is sponsoring terrorism.
There are either transfers card-card / webmoney-webmoney / anything between physical. persons.
Or transfers between legal entities. persons.
Legal cannot. a person just to transfer money to individuals. persons. (Therefore, by definition, there can be no payment systems with transfers to physicists)
This can be only one of the options: salary, loan, payment for goods / services, or "corporate expenses".
Everything else should be decided with an accountant/lawyer.
turn on the logic, why then are not all online games, mobile games, etc. banned?

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nrgian, 2019-05-01
@nrgian

I'm working on a similar project right now.
We have agreements with several banks for this (with several, because the conditions are not ideal, we have to turn it around, with some cards one is better, with some another).
You will not connect directly to Visa / MasterCard without millions (in dollars) of investments.
You just need to negotiate directly with the bank. Small banks are easier to meet.
Bank websites do not have this information. It is necessary to talk with the management of the bank to go personally.
No one does this without a formal agreement. Yes, and there will be additional requirements - the fact is that this scheme is very suitable for money laundering, so banks suspect and impose some conditions.
Another option is to connect for withdrawal to ePayments, Payoneer, etc. But here the output to arbitrary cards of large volumes will not work. Users will be required to register.
The easiest part in your requirements is to withdraw money from the cards. This does not only lazy. The usual connection to any payment system serving online stores. There are just a lot of them.
PS:
I'm afraid you won't like the commissions.
And to minimize them is only if you make your own bank and connect directly to Visa / MasterCard.

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Dimonchik, 2019-05-01
@dimonchik2013

p.2 is just a matter of accounting, and for real money
it is the easiest - like this https://kassa.yandex.ru/payouts/
with Ukraine, I'm afraid you can only laugh, although I admit that everything can work out inside, there is liqpay , card-card transfers are also available
for adults (the whole world) it’s too early for you