Selection of a payment system (there are criteria)?

Question

Payment systems

Tell me the payment system for the online store, the requirements are:
1 - works with physical. persons (not individual entrepreneurs)
2 - accepts Visa, Mastercard (by and large, other payment methods are not very important) 3 -
the minimum period for blocking a payment in the system (it is desirable that you can withdraw as quickly as possible)
payment system in rubles, so that without wild conversions)
5 - must be able to withdraw to a Visa card
. The cost of one purchase in the i-store: from 4,000 to 20,000 rubles.

Answer 1

Do not engage in ... in general, nonsense.
The amounts you have are sufficient to make it worth registering an IP.
I don’t know about you in the Russian Federation, but our taxes for SPD (IP) are much lower than for physicists, and this is a significant part of the costs.
With such amounts as yours, and even if there are several payments per month (otherwise, why fuss?), it is very risky to break the law ...

Answer 2

Robokassa, but not sure about 3 and 5
Gateways mostly with legal entities (experience 5 different for clients)

Answer 3

liqpay.com
1) Works with individuals, for full use you need to have, in your case, a Moskomprivatbank card (issuance and maintenance is free)
2) Works, within limits . max amount of payments from the card per day, 50k $ / month - max withdrawal amount per month).
3) There is no blocking period, the withdrawal period to the Moskomprivatbank card is 1 bank day, in practice - a couple of hours.
4) An internal account in rubles, acquiring also seems to support rubles, but for 100% certainty, check with support. I admit that there may still be aviring in hryvnia.
5) There is a withdrawal to the cards, but if the card is not Moskomprivatbank, then the withdrawal limits are much lower and the commission is higher.
6) When withdrawing to a Moskomprivatbank card, the commission is only 0.5% + $ 0.55, then you can either pay with a card at retail outlets without a commission, or withdraw at any ATM in Russia for 1%.

Answer 4

1.
invoice.privatbank.ua/
2.
pos.liqpay.com/

Answer 5

I’ll throw my five cents into the list of aggregators not yet listed that work with individuals.
onpay.ru
sprypay.ru
but I want to immediately warn you that for the most part all aggregators have limits of up to 15 thousand rubles per transaction, even more I will tell you, in fact qiwi will not let you spend more than 15 thousand now.

Answer 6

Where did you stop?

Answer 7

Look at the Unified Cash Desk (W1) www.w1.ru
The same LiqPay that
Robokassa was talking about is also good, but there% is very high
https://www.payanyway.ru/ can also be mentioned.