Yes, this is a great idea, I advise everyone to work this way. It is very convenient and practical to do carding of your store. It brings in a lot of money for you!
2D Payment Gateway - No OTP - International 2D Payment!
Third Party 2D Payment Gateway companies.
Third Party 2D Payment Gateway is provided by following USA Companies
1. Authorize.net
2. WorldPay
3. Stripe
4. BankCardUSA
5. WePAY
6. Skrill
APPLY 2D PAYMENT GATEWAY FOR GOOD CARDING
Before Applying for Payment Gateway you need to know that there are two types of Payment Gateway:
1. 1st Party Payment Gateway: is the Bank itself providing its own Payment Gateway. Currently we provide 1st Party 2D Payment Gateway from Wells Fargo Bank, Bank of America, Capital One Bank, First Republic Bank, Signature Bank, etc.
2. 3rd Party Payment Gateway: are the Payment Gateway companies which ties up with many Banks. Currently we provide 3rd Party 2D Payment Gateway from Authorize.net, WePay, WorldPay, etc.
Features of 2d Payment Gateway
- Fastest approval
- Easy to get statement
- Multiple Currency
- Secure, reliable fast Gateway
- Real time transactions
- Account review on every 90 days
- For long time business
- Complete assistance for merchants
- Dedicated M.ID for merchants
- Processor Flexibility
Welcome to 2d Payment Gateway – well known 2d payment gateway service provider for all types of business either high risk or low risk. Established in 2010, the company has shown their professional excellence in the field of 2d payment gateway. The company is run by the payment gateway experts who have vast experience in this field. We provide our safe and secure online 2d payment gateways services at best price. We are one stop online payment solution provider to merchant who wish to make online transactions.
Now days, 2d Payment Gateway is a very important for every business. It allows merchant to facilitate their customer’s with fast & convenient payment options. By using 2d payment gateway, you can get more revenues without more hassle.
If you are looking for online 2d payment gateway and merchant account, then you have come to the right place. 2dpaymentgateway.com is a professionally online 2d payment gateway provider, Which offers multiple payment options to enables merchants to accept payments online. We accept merchants from all countries.
What is a 2D Payment Gateway?
2D Payment Gateway (also known as a 2D secure payment gateway) is a payment processing software. It allows customers to pay without entering a one time password and without any security check. Basically, it only demands a credit card number and expiry date. Once the client enters these details, the purchase is complete.
Since 2011,
www.2dpaymentgateway.com is a leading provider of 2d payment gateway (
2D is called Non-3Ds or Non OTP, it had specific measures to keep thorough check on the transaction process between merchant and bank directly without security check.) solution.
https://www.facebook.com/
What is the 2d Gateway account?
2D gateway account is the account in 2D payment service provider. In this, you need to link your bank account with service provider and amount is directly credit/debit to account/
What is 2d merchant account?
A merchant account is a type of bank account that allows businesses to accept payments by debit or credit cards. So a merchant account is an agreement between a retailer, a merchant bank and payment processor for the settlement of credit card and/or debit card transactions.
What is the difference between 2D & 3D Payment Gateway?
Once again, the 2D payment gateway only requires a credit card number and expiry date to accomplish the payment. In contrast, the 3D payment gateway demands the ID and the password provided by the issuer, in addition to the credit card number and the expiry date.
How to integrate a 2D payment gateway on my website?
To integrate a 2D payment gateway on your website, you need a 2D merchant account. To open a merchant account, you need to Apply Here for 2D Payment Gateway/
What is 2D Transaction?
2D Secure payment processing is also known as two-dimensional payment processing in which there are two parties. The payment instrument and the merchant. This transaction usually does not require any additional password or any one time password.
Who Can Apply For 2D Payment Gateway?
We welcome all merchants have Bad credit and all high-risk businesses. Then you can approve transactions through online for your website. Therefore, we get many applications from their support companies and other High-Risk Business companies. Similarly, most of the applications from India and countries were looking for our International Payment Gateway arrangements.
How can I get 2d Payment Gateway in India?
Apply Now for Online 2d Payment Gateway in India!
They provide our safe and secure online 2d gateways services at best price in India. We are one stop online payment solution provider to merchant who wish to make online transactions in India. Now days, 2d Payment Gateway is a very important for every business.
Get the Best 2D Payment Gateway India that Accept payments from different regions to Easy Payment Gateway Process and Safe Transaction To Merchants. Share your contacts through piece of mail, chat bot or any other process with Online Payment Providers in India for service.
2D Payment Gateway USA.
The 2D Payment Gateway USA Securely accepts payments online, in-store or, over the phone with an all-in-one payment gateway and merchant account. Working with us, you can eliminate the hassle and cost of third party gateways and get fast access to the latest payment methods. Hence, The Payment Gateway securely captures, authorizes, and moves sensitive payment information using a layered security approach.
2D Payment Gateway Canada.
2D Payment Gateway Canada gives you accurate, real-time transaction data from anywhere in the world, on any device. Keep track of your transactions at all times with automated reports and in-depth visualizations. Our payment gateway will help you keep track of your entire account without spending countless hours tracking your sales.
2D Payment Gateway UK.
The high-risk merchant account credit card processing solution, high-risk gateway multiple currency options, SSL integration way-outAPI, integration international merchant account PCI-DSS solution, many more
Thus as a merchant, you can look for solid transactions through us with 2D Payment Gateway UK without any hamper.
2D Payment Gateway Malaysia.
2D Payment Gateway Malaysia – Our relationship with different payment portal organizations over the world can likewise help you in finding a secure solution for your 2D payment gateway prerequisites. Along these lines, Please remember that the 2D payment gateway in Malaysia isn’t accessible to all organizations.
2D Payment Gateway UAE.
2D Payment Gateway UAE State of the art security and real-time monitoring, protecting your revenue with the fullest antifraud protection available
Transactions monitored in real-time.
Proprietary antifraud software.
Also, Enhanced transaction approval ratios.
Integrated with card scheme 2DSecure anti-fraud measures.
Above all, Card tokenization for repeat visitors.
Customizable processing rules.
2D Payment Gateway Indonesia.
2D Payment Gateway Indonesia understands that when it comes to managing payments, speed and ease of use is what matters at the end of the day.
Take your business globally with no additional integration costs on the 2d payment gateway. Boost conversions with international customers by allowing them to pay in their local currency. Spent endless hours to make it a great experience for you.
2D Payment Gateway Nigeria.
Connect our 2D Payment Gateway solution using convenient API, via a hosted page or server to server within a few hours. Verification of your project within one business day.
Our payment platform allows consumers to pay merchants within the most secure environment. 2D Payment Gateway Nigeria supports all key payment methods globally. With us, you only pay for successful transactions. Custom pricing available for companies with large payment volumes or unique business models.
2D Payment Gateway Taiwan.
2D Payment Gateway Taiwan provides support for international transactions. We support all major international cards and 92 currencies including USD, EUR, GBP, SGD, AED.
An online/digital ewallet is a payment instrument in which customers can store money and utilize online websites that provide support for these wallets. Payment gateways such as 2D Payment Gateway provide support for multiple wallet options.
2D Payment Gateway Philiphines.
2D Payment Gateway Philippines Access and manage your payments, refunds, transfers, subscriptions, invoices, virtual accounts, API keys, webhooks, accounts, and everything else.
So, Businesses spend lots of time and money to get their financial operations moving without any trouble. Hence, aims to put a stop with the Philippines all problems around money movement.
2D Payment Gateway Sri lanka.
A current account is a must for every business. So, 2D Payment Gateway Sri lanka Current Accounts comes with a whole package that helps you with end-to-end money movement.
Hence, Get your payments settled on the same working day with 2D Payment Gateway Instant Settlements. Avoid cash crunches and prepare better for your working capital needs.
2D Gateway for Payment Hong Kong.
Make fast, effective payouts to your customers, vendors, employees, and partners, and track all forms of money movement with 2D Payment Gateway Hong Kong
The automated Payment Pages receipts feature allows instant receipts to be sent to all your customers when they make payments.
2D Payment Gateway Vietnam.
2D Payment Gateway Vietnam provides our safe and secure online 2d gateways services at the best price in Vietnam. So, We are a one-stop online payment solution provider to merchants who wish to make online transactions in Vietnam.
Nowadays, the 2d Payment Gateway is very important for every business. So, It allows a merchant to facilitate their customers with fast & convenient payment options. By using this method, you can get more revenues without more hassle.
2D Payment Gateway Ghana.
2d Payment Gateway Provider in Ghana, Which offers multiple payment options to enables merchants to accept payments online.
Fastest approval.
Easy to get a statement.
Multiple Currency.
Secure, reliable fast Gateway.
Also, Real-time transactions.
Above all, Account review on every 90 days.
For a long time business.
2D Payment Gateway Thailand.
2D Payment Gateway Thailand with all payment solutions such as.
High-Risk Payment Gateway Thailand.
https://www.2dpaymentgateway.com/2d-Payment-Gateway-Plans.html
2d Payment Gateway Thailand.
Also, International Payment Gateway Thailand
Offshore Payment Gateway Thailand.
Above all, Merchant Account.
High-Risk Merchant Account Thailand
International Merchant Account Thailand
2D Payment Gateway Saudi Arabia.
The Internet is the fastest-growing segment for online transactions. To grow your business worldwide, you need a solution for online payment processing with advanced technology. So, We process payments in various currencies through credit cards.
2D Payment Gateway South Africa.
2D Payment Gateway South Africa is the fastest and secure gateways for any industry. So, If you running any E-commerce organization and looking for longtime payment solutions.
2D Payment Gateway South Africa provides the payment gateway for every industry, how they belong from Highrisk Industry or Lowrisk Industry.
Discount on Selected Plans
First Party 2D Payment Gateway is provided by following Banks of USA
1. JPMorgan Chase, New York[/B]
2. Bank of America Charlotte, North Carolina
3. Wells Fargo San Francisco, California
4. Citigroup New York, New York
5. Goldman Sachs New York, New York
6. Morgan Stanley New York, New York
7. U.S. Bancorp Minneapolis, Minnesota
8. PNC Financial Services Pittsburgh, Pennsylvania
9. Capital One McLean, Virginia
10. TD Bank, N.A. Cherry Hill, New Jersey
11. The Bank of New York Mellon New York, New York
12. Barclays New York, New York
13. HSBC Bank USA New York, New York
14. State Street Corporation Boston, Massachusetts
15. Charles Schwab Corporation San Francisco, California
16. BB&T Winston-Salem, North Carolina
17. Credit Suisse New York, New York
18. SunTrust Banks Atlanta, Georgia
19. Deutsche Bank New York, New York
20. Ally Financial Detroit, Michigan
21. American Express New York, New York
22. Citizens Financial Group Providence, Rhode Island
23. MUFG Union Bank New York, New York
24. USAA San Antonio, Texas
25. Fifth Third Bank Cincinnati, Ohio
26. Royal Bank of Canada New York, New York
27. UBS New York, New York
28. Santander Bank Boston, Massachusetts
29. KeyCorp Cleveland, Ohio
30. BNP Paribas New York, New York
31. BMO Harris Bank Chicago, Illinois
32. Regions Financial Corporation Birmingham, Alabama
33. Northern Trust Corporation Chicago, Illinois
34. M&T Bank Buffalo, New York
35. Huntington Bancshares Columbus, Ohio
36. Discover Financial Riverwoods, Illinois
37. Synchrony Financial Stamford, Connecticut
38. BBVA Compass Houston, Texas
39. First Republic Bank San Francisco, California
40. Comerica Dallas, Texas
41. CIT Group Livingston, New Jersey
42. Zions Bancorp Salt Lake City, Utah
43. E-Trade New York, New York
44. New York Community Bancorp Westbury, New York
45. Silicon Valley Bank Santa Clara, California
46. People's United Financial Bridgeport, Connecticut
47. Mizuho Financial Group New York, New York
48. Signature Bank New York, New York
49. Popular, Inc. New York, New York
50. East West Bank Pasadena, California
2D International Payment Gateway Providers[/B]
Welcome to Esecurepay
2D payment gateway providers – We are well known in the market for providing 2d payment gateway. Also, we approve all types of business either high and low risk. Hence, we provide our safe and secure online
2d gateway services at the best price. Similarly, we are a one-stop
online payment solution provider for all merchants who wish to make online transactions.
Our experience in this Payment gateway industry, Also, we found 2D Payment Gateway is very important for all businesses. Then it allows the business to facilitate their customers with faster & convenient payment options. So, business is generating more revenues without any hassles by using
2D International Payment Gateway. Hence, we accept all merchants from anywhere in the world.
2D Payment Gateway International
Benefits of Esecurepay 2D payment Gateway Providers:
- Quick approval
- Fast statement
- Multi-Currency
- Above all, Secure, reliable Fast Gateway
- Real-time transactions
- Complete assistance for merchants
- Dedicated Merchant ID for merchants
- No OTP Transactions/Non-3D Secure
- Internet Credit Card Processing
- Also, Export Transaction History
Who Can Apply For 2D Payment Gateway?
We welcome all merchants have Bad credit and all high-risk businesses. Then you can approve transactions through online for your website. Therefore, we get many applications from their support companies and other High-Risk Business companies. Similarly, most of the applications from India and countries were looking for our International Payment Gateway arrangements.
Esecurepay 2D International Payment Gateway Features
- Donation Button and Billing
- Also, Support Free Country, Address Verification And IP Blocking
- Provide Free Daily Report and Batching
- Attached Free Secured Transactions on Order Page
- Installed Free Shopping Cart Integration
- Free Fraud Screening
- Recurring Billing Services
Some of Our other Payment Services
- Online Payment Gateway
- International Merchant Account
- Credit Card Processing
- eCheck Payment Processing
- ACH Payment Processing
- International Payment Gateway
- 2D Payment Gateway
- 3D Payment Gateway
- Also, Online Voucher Payments
Welcome to
Esecurepay 2D payment gateway providers – They are well known in the market for providing 2d payment gateway. Also, we approve all types of business either high and low risk. Hence, we provide our safe and secure online
2d gateway services at the best price. Similarly, we are a one-stop
online payment solution provider for all merchants who wish to make online transactions.
Experience in this Payment gateway industry, we found 2D Payment Gateway is very important for all businesses. Then it allows the business to facilitate their customers with faster & convenient payment options. So, business is generating more revenues without any hassles by using
2D International Payment Gateway. Hence, we accept all merchants from anywhere in the world.
2D Payment Gateway International really good and best for carding.
Who Can Apply For 2D Payment Gateway?
We welcome all merchants have bad credit and all high-risk businesses. Then you can approve transactions through online for your website. Therefore, we get many applications from their support companies and other High-Risk Business companies. Similarly, most of the applications from India and countries were looking for our International Payment Gateway arrangements.
Esecurepay 2D International Payment Gateway Features
- Donation Button and Billing
- Also, Support Free Country, Address Verification And IP Blocking
- Provide Free Daily Report and Batching
- Attached Free Secured Transactions on Order Page
- Installed Free Shopping Cart Integration
- Free Fraud Screening
- Recurring Billing Services
Get Started!
You can get Approval Faster for any of our Payment Methods. Additionally, we have given the freedom to choose the solution that is best for your business. So, with our payment plans, multiple integration options, and single payments and custom designs. Hence, we can assure you on 99% approval with Esteem PSP’s.
Some of other Payment Services
- Online Payment Gateway
- International Merchant Account
- Credit Card Processing
- eCheck Payment Processing
- ACH Payment Processing
- International Payment Gateway
- 2D Payment Gateway
- 3D Payment Gateway
- Also, Online Voucher Payments
Let’s Get You Paid Faster. Try With EsecurePay.
2D Payment Gateway
2D Payment Gateway (also known as a 2D secure payment gateway) is a payment processing software. It allows customers to pay without entering a one time password and without a security check. Basically, it only demands a credit card number and expiry date. Once the client enters these details, the purchase is complete.
What is the difference between a 2D and 3D payment gateway?
Once again, the 2D payment gateway only requires a credit card number and expiry date to accomplish the payment. In contrast, the 3D payment gateway demands the ID and the password provided by the issuer, in addition to the credit card number and the expiry date.
Check out this video to learn what the payment gateway is.
How to integrate a 2D payment gateway on my website?
To integrate a 2D payment gateway on your website, you need a merchant account. To open a merchant account, you need to provide us with the following:
- Certificate of incorporation. This document confirms your company as a legal entity. According to our professional experience, a state governmental entity or corporation issues a certificate. The duration of obtaining a document varies from three days to two months. It depends on a country your company is registered in.
- Certificate of Incumbency.
- Copies of valid passports with visible bearers signatures for all company officers and owners.
- Application. The application is required by a PSP to analyze your company’s structure, turnover, and geo-preference
Once you send us an application and a full range of documents, they
will provide you with a 2D payment gateway. Fill in the short application to get started.
How to choose a payment system for a website. Part 1: types and criteria
Therefore, it is important for a business to provide a convenient payment method on the site, or even several. We understand the types of payment systems, selection criteria and pitfalls.
Types of payment systems
Internet acquiring
The user can pay with his own card in a special interface on the seller's website. Before being sent to the recipient, the payment goes through the processing center. This center can be owned by the bank itself or be a separate intermediary organization.
The acquiring bank is the bank that accepts the payment, the issuing bank is the bank that owns the payer's card.
By connecting Internet acquiring, the company pays for:
- execution of a transaction;
- interaction of the parties and payment verification using security systems;
- communication between banks;
- access to the buyer's account.
Features of the
- High security - Internet acquiring uses 3-D Secure and SecureCode security technologies for Visa and Mastercard. For better carding, you must turn off support for 3-D secure technology.
- To use this service, the company must conclude an agreement with a credit institution or processing company. Therefore, it is suitable only for legal entities or individual entrepreneurs.
- If payments are made infrequently and in small volumes, then the percentage that is charged on transactions can be high. This is a disadvantage for small businesses.
- To connect, the user must independently create and maintain the technical infrastructure on his side.
- The contracting process can be quite lengthy. A business representative must fill out an application, collect a package of documents, give it to the bank and wait for verification.
Payment gateways
The gateway acts as an intermediary that processes transactions and deals with payment routing. This is a hardware and software complex that does not itself interact with money - it simply directs payments to acquiring banks.
Payment gateways charge a commission for transactions that are carried out through them - its percentage depends on the turnover. In some cases, you will also have to pay for the connection.
Features
- The main advantage is that the gateway provides a single interface for payments through several banks. If a failure occurs, you can easily switch from one to the other. It also allows you to accept payments using traditional payment cards, as well as through electronic bank payments, an electronic wallet.
- Ideally, the gateway should comply with PCI DSS standards, and the information should be encrypted for payment security.
- When using this type of payment systems, there are lower risks during the flow of funds. After all, the system does not accumulate payments, but simply sends. The same goes for chargebacks. Chargeback or chargeback is a procedure for protesting a transaction by the issuing bank to protect the payer's rights.
- The company will have to conclude a separate agreement for each method of accepting payments. The connection is coordinated with the final payment systems. The gateway is submitting an application to them for review, so it may take a while.
- Commission is charged only for gateway services. The business should still discuss the rate and payment details with the bank. For large companies, this is a plus - because this way you can influence the size of the commission.
- Connecting gateways takes longer than the aggregators described below. But in addition to standard solutions, they usually provide flexible settings.
Payment aggregators
Aggregators combine several methods of accepting payments. The company does not need to conclude an agreement with each service, configure different APIs - it is enough to connect only it.
Unlike a gateway, the aggregator interacts with the client's money, conducting all settlements through itself, and most often it is a non-bank credit institution. The aggregator's commission amount is influenced by turnover, type of business and payment methods - a separate percentage is set for each of them.
Features of the
- It is quick and easy to connect to the aggregator. Such services require a minimum package of documents and offer ready-made modules for connecting to the CMS and documentation.
- Your customers get the opportunity to choose from several methods that are most convenient for them. For example, by credit card, electronic wallet, cash in the terminal, etc.
- The aggregator offers a flat rate, which consists of its commission and the acquiring bank - and is not indexed depending on the change in the company's turnover. Agreeing on a different rate with the bank, as in the case of the gateway, will not work.
- After the payment is received, it is not the bank that is responsible for the money, but the aggregator. He decides for himself when to pay. If there are problems on the side of the aggregator, it can delay it. This is a very likely scenario with a large number of simultaneous returns.
- The aggregator does not provide additional services related to payment security. Therefore, it is best suited for low risk small and medium businesses.
Electronic money operators
Electronic money or e-money is the equivalent of "live" money that is stored in electronic wallets. Such funds are taken into account by all credit institutions without opening an account. EMF operators are organizations that allow you to transfer electronic money without opening a bank account and other related banking operations.
Features of the
- To receive payment using e-money operators, you need to submit an application, sign an agreement and integrate with the payment system and the bank.
- Such systems increase user confidence, because they do not have to go to unfamiliar sites to make a payment.
- Before a company is approved, a site must pass a compliance check. Sometimes it can even take a week.
- The retailer receives a transfer for all payments only at the end of the term specified in the agreement with the operator. Usually this period is maximum three days.
These are not all of the ways an online business can get paid from customers. There are payments through terminals, or payments in which funds are debited from the mobile phone account. But the principle of their work is quite simple and they are not so popular in modern e-commerce, so we will not consider them.
Site requirements
Depending on which payment system you connect, the requirements may vary. We present the main ones.
- Full content filling and working internal links. There should be no incomplete or incomplete pages.
- The site must be located on a second-level domain. For example, example.com is a second-level domain, example.somesite.com is a third-level domain.
- The name of the company, its legal and business address, a detailed description of the goods and services that the retailer provides.
- The products or services presented on the site do not contradict the legislation, ethical standards, and are not criminal in nature.
- Availability of prices - in national currency and / or its equivalent in foreign currency.
- Description of the procedure for ordering goods and returning funds, conditions and terms of delivery, points of issue.
- Static IP address, not hosted on free servers that provide hosting services. A single domain name for all pages associated with the online store.
- The logo of the payment systems on the site, the cards of which are accepted by the online store.
- If the site has a personal account, then the registration and authorization process must be protected by HTTPS. If there is no personal account, then the ordering process should be protected with its help.
- Card details can only be requested on the page with a secure payment form generated by the service provider.
- Customer privacy policy.
If the site does not meet the requirements, the retailer must modify it. After that, he can again apply to connect the banking system.
Key criteria when choosing a payment system
- Payment system geography - make sure that the payment system works in those countries from which you want to serve customers.
- Percentage per transaction. Find out how much the system will take from each transaction and take this into account when pricing. Read the documentation carefully in order to notice the hidden fees in time. For example, a bank may not indicate tariffs for making a payment by card and assign a commission individually.
- Terms of withdrawal of funds. The first step is to make sure if you can cash out at all in your area. Each has its own policy, and there may be pitfalls.
- Payment system logic - is it an aggregator or a direct payment gateway? How the user will pay and from where you will subsequently withdraw money depends on this.
- Technical connection conditions - they directly depend on the platform on which your site is being developed. Whether the system works as a plugin, through an open API, or in some other way. For example, if the site is developed on the WordPress or Tilda builder, you can connect the plugin yourself. If the site is self-written, even on the same WordPress, then you need to work through the code.
These are the basic principles that must first be taken into account when choosing a payment system. And then you can pay attention to the quality of the technical support, the interface and other subtleties.
For example ringostat.com, when choosing a payment system, we first of all paid attention to markets, methods, payments, commission and API. We also recommend that you find out the timing of the withdrawal of money and find out user reviews on this account.
Part 2: overview of services
In the first part of the article, we examined the types of payment systems and selection criteria. Now let's move on to an overview of specific services that are suitable for both local and global sales. Most of them are SaaS-friendly, which has been verified through our personal experience.
You can go directly to the payment system you are interested i
- WayForPay
- LiqPay
- Paymentwall
- MyCommerce
- Stripe
- Fondy
- Conclusions
WayForPay
WayForPay is an online service with payment through bank cards of VISA and MasterCard payment systems. Payment methods are also available: Privat24, terminal. Suitable for Ukrainian companies, because it allows you to accept payments in hryvnia.
WayForPay can be used to issue electronic invoices. But legal entities cannot use them for reporting to the tax office, but only as a receipt of the fact of payment.
Commission
Connection to the service is free. The commission is charged only for successful payments and is 2.5%, for companies in the tourism sector - 2.2%. For some business niches, it is discussed separately. No commission is charged for refunds.
Safety
The service uses the protective technology 3-D Secure, a protocol that provides an additional layer of security for online card payments. They have our own anti-fraud system that combines automatic and manual checks of suspicious transactions.
Connection
The service is
integrated using the API. Companies that do not have programmers can use
ready-made payment modules for popular CMS - website builders.
If the site does not have a shopping cart, you can simply create a button in your personal account, without the help of developers. Or send invoices to the email of clients, the link to the payment of which will be in the letter. You can also add a payment QR code to the site.
Support for online stores
- Communicate with customers in a single interface. Make and receive calls directly in the browser, answer leads from different messengers in one window.
- Find out which ads are driving customers and which ones are just wasting your budget. Get an automatic ROI calculation for each launched activity.
- Get more leads with the same traffic. The callback form initiates a dialogue even with those who were not going to call you at first.
- Control how managers process tickets. Listen to audio recordings of calls and analyze missed call reports.
LiqPay
LiqPay is a payment system that allows you to pay with MasterCard and VISA bank cards, as well as cash through bank self-service terminals. Payment is possible after logging into your account via your mobile phone number.
The money is credited upon payment, and you do not need to conclude an agreement to get started. Just like WayForPay, the service has an invoice by email function. At the same time, LiqPay can block payments that it considers suspicious. This applies to payments over $ 300, especially from cards of foreign banks.
Commission:
- 2.75% - from a point of sale when crediting funds, when paying with VISA and Mastercard cards of any bank;
- 1%, for utilities when paying with VISA and Mastercard;
- funds are transferred to the account within one banking day.
Connection
The payment acceptance service provides a list of public APIs for accepting payments - they are available immediately after registering the store. You can also use a ready-made payment html-button in the "Business" section. In addition, there are five CMS plugins for sites and documentation for their installation.
Safety
Compliant with GoDaddy Secure Web Site, Verified by Visa and Mastercard SecureCode certifications. Payments go through three stages of verification:
- the payer is asked for the card number, validity period, CVV code;
- the operation is confirmed by a one-time password, which is sent to the user via SMS to the mobile phone;
- the transaction is confirmed using 3-D Secure.
By the way, call tracking service, includes the most convenient payment methods. And technical support and customer care service is always ready to help with advice on this and other issues.
Paymentwall
Paymentwall is an aggregator of payment services that integrates payments via WebMoney, QiwiWallet, Mint, Yandex Money, etc. The service is available in more than 200 countries. The company started out in the social media games market and is now the leader in gaming payments. The main advantage of the system is 120 payment methods: e-wallets, debit cards, mobile payments, bank transfers and much more.
Commission
The service has several products, and the commission depends on which one you use. For example, here are the tariffs for Brick, a solution for accepting payments by bank cards.
Full information on tariffs is available on the company's website.
The disadvantage of Paymentwall is the long withdrawal process. The system splits the payment into several parts and transfers the money to the seller in stages. You can get the full amount, for example, six months later. By stretching the return of the payment, the service insures itself against risks in the event of a chargeback.
Connection
You need to register on the site and install a payment widget or API. You can do this yourself by contacting technical support if necessary. Unfortunately, some people face its slow response when connecting and long verification of documents.
Safety
The system verifies transactions in real time using its own machine learning algorithms. Data is protected in accordance with PCI-DSS (Payment Card Industry Data Security Standard), the standard for data security of the payment card industry.
Support for the head and business owner
- Get more orders for the same cost - reports will show which ads are working and which are not, this will allow you to reallocate the budget.
- Find out how the investment in promotion pays off - support will automatically calculate this for each launched activity.
- Understand where money is lost - in marketing or sales - you will find out if ads don't lead to leads or salespeople are missing out on customers.
- Evaluate the work of a promotion contractor or in-house marketer - in terms of calls and advertising profitability
MyCommerce
MyCommerce, the old name of Share-IT, is a service that allows you to accept payments by bank cards of VISA and MasterCard, American Express, PayPal payment systems. Positions itself as a SaaS platform to support sales in the B2B and B2C segment. Used in 244 countries.
The plus is that MyCommerce allows you to create a full-fledged electronic invoice, taking into account the taxation of the desired country. This is convenient for buyers from countries that support electronic invoices - for example, Europe, USA, Canada. The system itself is engaged in the refund of VAT or its equivalent in the respective country. The client, for his part, simply pays additional regional tax, VAT. The VAT refund amount is included in the commission.
Commission
MyCommerce has three pricing plans:
- Simple - 7.9% of the sale, minimum $ 0.90, recommended for an average bill up to $ 30;
- Blended - 4.9% of the sale + $ 0.90, recommended if the average bill is more than $ 30;
- Enterprise - the percentage is negotiated separately, includes a full set of services for setting up and managing an account.
Connection
The system provides APIs built according to the RESTful standard and Webhooks for site integration. For developers, the system site contains technical documentation, user guides and code samples. Technical support is available in multiple time zones.
Safety
MyCommerce has anti-fraud protection and patented Transaction Defender technology. It consists of various methods and tools for detecting and preventing fraud. The transaction information obtained at checkout is verified by each of them. More than 100,000 stores have already implemented this technology, and transactions come from 190 countries.
Stripe
Stripe is a payment service that allows you to accept payments from bank cards. Provides ample scope for individual customization. Suitable for accepting subscription payments for SaaS, transferring payments when paying through the marketplace or third-party applications. The system accepts 135 types of currencies.
Unfortunately, Stripe is not suitable for users from Ukraine, Russia, Belarus and Kazakhstan. The account holder must be registered in one of 40 countries, most of which are in Europe and the United States. The post-Soviet space is not included in this list. Therefore, creating and registering an account will not work here.
Stripe allows you to set up automatic recurring payments - in the case of SaaS, this is an auto-renewal subscription. This is convenient for the user because there is no need to keep in mind the need to pay for a specific number. If desired, he can easily disable such a payment.
Commission
- 2.9% + $ 0.30 for the Integrated tariff;
- Customized tariff is suitable for companies with a large transaction volume and unique business models, for them the commission is discussed separately and includes discounts;
- sellers do not pay for connection and monthly use of the system;
- in the case of a chargeback - a chargeback to protect the payer's rights, the system charges $ 15, which is returned if the retailer successfully disputes the return.
Stripe is suitable for small businesses as the system has launched support for micropayments. The seller pays a higher interest rate for the transaction. but at the same time the fee per transaction unit is reduced.
Connection
The system is known for its simple API and competent support. It is believed that Stripe is ideal for developers and is "written by the people for the people." The site has
an API Reference Module with information on all popular programming languages, and a blog describes how to implement new features. There is a knowledge base with a search for information about subscriptions, chargebacks, scams, etc.
Safety
Unlike many payment processors, Stripe does not support 3-D Secure technology. It is she who requires you to enter the confirmation code that comes in sms. If the bank does not accept payments without this technology, then it will not be possible to pay. At the same time, the system meets the PCI-DSS standard, which was written about above.
Stripe also has Radar, a proprietary fraud prevention toolkit that uses machine learning algorithms. It analyzes all payments, detects patterns in them and assesses the risks for each of them. Radar allows the site owner to see which rules shoppers are violating when placing an order. The system claims to reduce fraud by 25%.
This vigilance also has a downside - Stripe can block an account for any reason it deems convincing. Likewise for high risk industries and companies with a lot of chargebacks.
FONDY
FONDY is an international payment system for processing transactions on websites and applications for mobile devices. Suitable for the market of Ukraine, Russia and the countries of the European Union. At the same time it allows entrepreneurs to work with clients from all over the world.
The user can make a payment to the card of an individual, the current account of a legal entity or an individual entrepreneur. Supports major payment methods: Visa, MasterCard, Maestro and other bank cards, e-wallets Qiwi, Yandex, PayPal, Swift payments.
Commission
Depends on monthly turnover. Regardless of the connected tariff, the user receives a number of opportunities, technologies and a high level of service.
Connection
The user needs to register by entering Email or through the social network Facebook, Google, LinkedIn. After that, he will be able to use three methods of connecting the international payment system.
It is possible to create a payment button and instantly install it on the site. For online resources on popular CMS, a ready-made module is available that will allow you to accept payments immediately after installation. If the sale of goods / services is not carried out through the site, it is effective to use online invoicing. A person needs to fill out a simple form, copy the link and send it to the messenger, Email or in any other way.
Safety
There is a proprietary fraud detection system FONDY antifraud. It identifies fraudsters according to 300 different rules. The payment system uses the COMODO encryption standard, which transmits data over a secure channel between the client's browser and FONDY.
As an additional layer of security for bank cards, the 3D-Secure protocol is used. It duplicates the request to confirm the use of the card: the password is entered via an SMS message from the bank to the linked phone number.
Conclusions
- Many large payment systems are not suitable for business in the former USSR. You can fund your account and make purchases on foreign sites, but you will not be able to receive payments from buyers.
- Of the systems described, PayPal, Paymentwall, Stripe and Mycommerce are suitable for companies registered in the US and Europe. Russians and Kazakhs can use PayPal and Paymentwall, while companies from Belarus can use only the latter of these systems. WayForPay, LiqPay and Paymentwall are suitable for Ukrainians (except for electronic money, which are prohibited in the country). If you are an entrepreneur from Ukraine, Russia or the EU, then the FONDY system will allow you to accept payments from all over the world.
- In most systems, there is one or two tariffs with a fixed commission and one that provides more opportunities for customization. In the second case, the commission is discussed separately.
- Almost all large systems comply with the international PCI-DSS security standard and use 3-D Secure technology. Many additionally have their own fraud detection tools that use machine learning algorithms.
- The downside of a serious approach to security is that an account can be blocked at any time with the slightest suspicion. To minimize the risk of chargebacks, systems may charge a commission.
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I also recommend that you familiarize yourself with these topics for a general overview:
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