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How to connect 2 payment systems?
There is pain. Introductory part:
Entering the German market. There are the following layouts for Internet acquiring (website and mobile applications): 1.9% + 0.25 Euro (blueSnap / Stripe) per transaction.
In Russia, they take about 3% of the amount (alphaBank, Tinkoff .....).
If you connect international acquiring: 4% + $0.3 (blueSnap).
We have checks from 50 to 500 rubles. Therefore, with the international system in Russia, the commission is equal to the check itself.
Questions:
Are there working cases of adaptation of two payment systems?
Who gets out of a situation like this?
Thank you.
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1) A million sites on the Internet use two or more payment systems. Citilink, M.Video, DNS - everywhere you can pay, except for cash, also with a card through acquiring, and with a bunch of payment systems like WebMoney, QIWI, Yandex.Money, etc.
2) Just connect the second acquiring. What exactly is the problem?
Do you have a foreign legal entity to connect blueSnap/Stripe?
If there is, connect - and everything will work fine for you.
it's not about commissions - it's about payment conversion, so that Russian payments can accept foreign cards well - you need to set up 3ds in them, open countries, and it's better to connect the euro currency - and only two banks in the Russian Federation have currency - alpha (30+ currencies) and VTB (dollar and euro). but it will be difficult for you with the banks themselves - it is more convenient with payment integrators like cloudpayments and payture. And even if you set them up, they will not give you the payment conversion that they could give for example (stripe - for cards not from Russia) - it's all about antifraud. It is better that the acquiring bank is local from the same country as the buyer.
in Germany, by the way, not only maps are needed
SEPA direct debit, SOFORT, and Giropay
https://www.adyen.com/knowledge-hub/guides/global-...
When paying with the buyer, ask the Country (automatically determine by IP, but with the ability to change)
If it speaks specifically about cards, then you can determine the country by the BIN of the card (the first 6 digits of the card)
https://binlist.net/
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