How to organize a payment system on your site for other providers?

Question

Payment systems

There is an online store, there are suppliers of goods and buyers.
It is necessary to organize a payment system for each supplier. That is, if the product belongs to "supplier 1", then a link to the payment system of "supplier 1" will be generated.
There are 2 options in my head:
1) Each of the providers must implement its own payment processing system, and for us it provides the final link to the transition to the payment system.
This is actually not possible due to the fact that suppliers do not have the ability and knowledge to do so.
2) Organize similar functionality on the side of the store (for each payment system of the supplier), then the supplier will have to provide the store with data for authorization in the payment system.
Or is there a 3rd option? How to implement it correctly?

Answer 1

your LLC/SP can conclude an agreement with a bank (or a payment service) on information and technical interaction, as a result of which:
1) ask the supplier to fill out the questionnaire data for concluding an acquiring agreement
2) the bank concludes an acquiring agreement with the supplier (for each supplier = separate merchant account)
3) you carry out the technical connection of each supplier between the bank's payment system and your online store
4) the bank will directly pay money to each supplier
this is similar to the 2nd option you indicated, but due to the fact that there will be an information and technical interaction agreement between your company and the bank, you will be able to provide the best service for your suppliers, since they will need less action. There are few banks that can provide such a service.
For each supplier, there will still be a separate merchant account; the work processes will still be complicated, since each supplier needs to be connected and checked by the bank's security service separately.
best option = agency agreement
1) you connect one merchant account with the bank to your LLC / IP
2) sign an agency agreement with each supplier (an offer agreement on the site, for example), according to which each supplier compensates for the costs of acquiring + for your services you take a commission, for example 1%
This option is better because you will have only one payment account with the bank - it is much easier and more convenient to work, you will need to connect only 1 time. Also for further work - For example, if you need to open some new countries of payer cards (for example, accept payments from European countries) - you will need to get approval only for your company, and when there are many merchant accounts of suppliers - each supplier will have a security service check separately, it is inconvenient, time-consuming.
Also, having the entire turnover on only 1 account, you can get a lower commission for acquiring tariffs
Also, the client does not need to think about filling out acquiring forms and wait for approval by the bank's security service. He only needs to provide you with a TIN + BIC + current account number - this is enough for you to make a payment to the supplier under the agency offer agreement.
Now, according to taxes, mainly the agency agreement is that you pay tax only from your commission , and not from the entire turnover. tk according to such an agreement, your income will be only your commission,
for example, if you have an individual entrepreneur for 6%
, the buyer bought something from the supplier for 1000 rubles
, the acquiring bank took it, for example, 3% to your account received 970 rubles
, you transferred his money to the supplier for minus your commission, for example 1% and acquiring = 960 rubles
your company has an income of 10 rubles, from which you must pay tax 6% = 60 kopecks

Answer 2

Act as an intermediary or agent. Pass through your accounts.

Answer 3

You need an aggregator that allows you to make payments in various ways and payments, it is both cheaper and less labor-intensive, while you can work with the aggregator both as a legal entity and as an individual, it doesn’t really change anything, depending on what tasks. One of these options was considered here Payment acceptance service with mass payments for individuals?