Online payment application "WayForPay. WayForpay: How to receive payment from foreign customers? Way for Pay Payment System

In the Ukrainian market since 2014. For the year of work on the product, we decided to tell you that the system can, what is the advantages, and what can be useful for the Internet business.

What is the chip?

Everything is simple - formed the product based on business problems when receiving online payments.

The current online buyer is rather demanding, especially demanding for ease of purchase. Therefore, we decided to pay special attention to the tokens and realize the possibility online shopping In 1 click. In addition, to realize the possibility of such purchases on mobile devices. Considering that about 12% of users consider the purchase process on a mobile long enough, and another 9% - do not like to fill a lot of data on mobile device, including payment reports (on the study of Barclays from the report "Future of M-Commerce") - we decided that the ability to pay mobile in 1 click will be quite user-friendly and profitable for business.

A set of payment solutions is also important based on the specifics of the Internet business. For example, there are now many sites that are a kind of mediator between the seller and the buyer and take% or a conditional fee for their services. Such can be attributed for food delivery services that can work with several restaurants and cafes, sites for the sale of clothing and goods working with multiple suppliers, etc.

What is the problem for business from receiving payments?
That:

• The playground assumes the entire flow of payments, and then lists the money to partners, which will be able to form questions from the tax on the ratio of turnover and the final profit profit.
• Temporary costs for settlements with partners.
• The payment fee is assigned only to the service when the main part of the payment refers to the partner, and not to the site.

But, when implementing the right approach to business issues, these issues are easily solved with the right payment decision for this type of business.

For the market as a whole there is another problem - this is the trust between the seller and the buyer at the time of purchase. Now the issue of trust is most often solved by "cash on delivery", but the trust costs money for the buyer and not always successfully for the seller (if the client does not take the purchase). Therefore, we decided to develop and adapt to the market for the identification service (blocking) of funds on the buyer's map.

Why did you create?

The product was created in an unstable time for the country.
The crisis is a period when some market players can develop, others on the contrary leave the market. It was equated with a mediocre and weak product to the market to fiasco.
Therefore, the formation of service options occurred on the basis of utility and the need to a specific Internet business direction, and not just "for a tick".

What else was happy to do

We make a special focus on online payments for both buyers and online business. We have developed your own antifrod system - we configure the system for each business individually, then check every transaction, assigning a certain reputation as a payer. In the system more than 100 filters through which the payment passes. Analysis in all parameters of the system allows you to maximize the level of fraudulent operations.

Created a solution for credit institutions, which makes the online lending process not more than 15 minutes. We look in the direction of social commerce.

In fact, talk about special innovations that are able to make significant change in the online payments market - it is "loud". We just try to realize what was stated to us, but never saw the light. Since the ability to realize the service and implement it, taking into account the needs for business, these are completely different things that can be useful in varying degrees.

Follow the invoice payment to the exhibited invoices personal Cabinet WayForPay is also available to configure notifications with successful invoice payment to SMS or Email.

The freelancer fills its data once, then when generating an invoice to pay only email, specify the invoice parameters (service, cost, currency) and select the letter language.

During invoice formation, 16 currencies are available.

In addition to invoices, the freelancer can independently create payment buttons and insert to its website / blog, etc. This option for receiving payments is more acceptable for those who have fixed rates - for example, a freelancer package with a certain value. The button is formed in the WayForpay personal account. After the button is installed on the site, the payment will occur as when a regular online purchase, when clicking on the "Buy" button. Payment Copk allows you to connect the reception of payments to the site without long integrations.
Payments from abroad
The WayForPay Freelance solution allows freelancers to make payment from foreign customers without any problems, from anywhere in the world (most payment services block payments from foreign cards).

The service receives payment by Visa / MasterCard cards of any country, while competent working with risks that occur during these operations.
Cost
The Commission is charged only for a successful payment - 2.5%. There are no hidden commissions. Without a board for connecting, monthly payments, without commissions for the conclusion and removal of funds. There is no need to produce a special card - the translation can be credited to a map of any Ukrainian bank or the current account.
Conversion
The ideal for freelancer is the receipt of payment in foreign currency, but in the framework of the legislation of Ukraine, receiving payment is possible only in the hryvnia.

In WayForpay, the write-off and enrollment of funds occurs in the hryvnia, regardless of which currency was invoice. Therefore, when transferring funds from a foreign card, you need to take into account the course on which conversion takes place.

You can monitor the course when setting an account you can in the personal account of the service.

Why WayForpay Freelance
WayForPay Freelance is a solution that allows freelancers to focus on the order to fulfill the order, and Wayforpay will assume all questions about the payment of payment. Support service 24/7 helps customers pay and solves issues when problems arise when paying. Payment by invoice the Customer will be able to make immediately upon receipt of the link, without postponing the payment. It will take no more than 1 minute to create an invoice. All payment freelancers can control in his personal account.

Today, more than 1300 freelancers are paid by payment using the solution of the WayForPay Freelance.
Fast start
To start receiving payments through Wayforpay, the Freelancer must be registered with the service. Registration passes automatically. After filling out the data and the binding of the card or the current account, you can activate the account and accept payment.

Simple reception of payments on the site. The process of connecting the Internet acquiring and the additional features of the service will take you not more than 15 minutes. We simplified the process of connecting the payment system to the site as possible. Complete automatic registration on the site.

Convenient APIs will allow you to connect to the site without much difficulty and knowledge. If you do not have a basket - then simply create the payment button in your account, without the help of programmers. Or set accounts to email customers, the link to the payment will be in the letter. Payment service WayForPay - simple and safe method Organization of receiving payments.
Try how WayForpay works

Low Commission and Flexible Conditions

High-quality Internet acquiring at an optimal price
We appreciate long-term business cooperation with our customers much higher than quick income. That is why we are maximally balanced our costs and reduced the payment fees to a minimum. The size of the commission is calculated individually for each client, depending on the type of business, monthly turnover and the number of payments. Payment for connecting and subscription payment system is missing. We will select the optimal tariff and a set of technological functions for your Internet business.

Payment in one click

Repeated purchases on the simplified scheme! Payment by cards on the site will be more comfortable, understandable and easier for buyers. With this service, your clients will sufficiently enter once the details of the card during the first purchase. In the future, all subsequent purchases will be made in one click. All data is remembered at the Visa / MasterCard payment system. Buyer will need to enter only security code CVV, located on the reverse side of the card.

Holding or temporary money blocking

Lock money The payer is reserved for up to 20 days without actual write-off. Write-off takes place only after you confirm the payment. This service is very relevant if the goods in your store are purchased under the order or if the full cost of the order cannot be confirmed at the time of purchase. You can independently adjust the enrollment of the charked money for any day at your discretion or confirm the write-off in your account

Own antifrod-system

We ensure the safety of cash and the protection of personal data of customers using a multi-level transaction monitoring system. The system combines automatic and manual checks of suspicious transactions, which allows you to minimize the risk facts and reliably protect our users from Internet fraudsters.

In the event of the processing of payment and identifying likely fraud, we will point you to the unrealted client, having saved from unnecessary problems and keeping you with the funds, as well as provide advisory assistance to the proof of your rightful

Regular plates

Regular payments allow you to create templates for processing future payments, both on one-time and on an ongoing basis. After creating and configuring the schedule of payments from the client, any further action will be required. Payment will be made automatically, according to the specified payment schedule. The client receives only an SMS or email email on the upcoming payments. With the help of the "Regular Payments" service, it is convenient to pay utility services and goods, replenish mobile phone, Internet or hosting services

Invoice Service.

Note your accounts to your clients by e-mail or SMS. Invoice - it is online - service for remote invoice to buyers e-mail or SMS. You only need to fill out the form on the site and choose a way of enrolling funds.
Your client will come notice about the exhibited account with the list of goods and the price. All that he needed to do is press the "Pay" button and select any convenient payment method.
With the help of invoices payment system will be available for your business without additional integrations.

Translation from maps on your site

We offer you a service with which you not only attract an additional audience to your site, but also earn pleasant bonuses. All you need to do is place plugin P2R transfers on your site.
Based on partnership cooperation, you will receive income in the form of a commission profit from each translation committed from your site. You will be able to see the statistics of transitions and the number of successfully produced transactions through your site in your WayForPay System Personal Account.

WORLD SALES.

We are interested in developing your business and implement additional services and opportunities. Increase your sales worldwide with WayForpay. If your store carries out sales worldwide, this service Let you increase the stream of buyers. The payment page of the site will automatically be shown in the language of the buyer and in the currency of its country. Prices can be automatically converted into different currencies or installed for each currency separately.

Online lending

We provide a technological solution for credit institutions sites, allowing to organize lending online. We will provide you with the Verification Services of the Borrower Card, we will estimate the credit rating with own system Scoring, reduce the load on your accounting at the expense of a convenient mechanism of reconciliation and integration with any accounting systems. The entire lending process will take no more than 15 minutes and will be held on a closed technology "Application for credit-enrollment-repayment". Your customers will easily and simply repay the loan by entering only the amount and the number of the card in the Personal Account or set up a regular write-off service.

So, what to pay attention to and what nuances need to be clarified by your existing or selected partner for the reception online payment:

Question 1: What is the cost of services? Why do we pay?

The rate of the payment aggregator often consists of the Bank's commissions through which payments are proceeded, plus, the Commission for the additional options that should provide a payment service. Naturally, no one will shout about their cost in the mass, but due to the interest in the partnership, the payment aggregator can sound the price of the issue individually. Based on data, you can object to the amount of the rate under your Internet business, knowing how much classic processing is and how much is the additional service costs.

It should be borne in mind that the Commission, which is provided with payment aggregators by banks is "wholesale", i.e. Get such a tariff directly from the bank the regular online store is almost impossible. In addition, working with the bank directly excludes the possibility of using the service that can bring additional features Business, except classical processing. Here it is necessary to choose or you want to get a smaller price for the service, or you want to get more profit.

Question 2: How does the problem of Internet fraud deciding?

Not all service providers take on to address the issue of online fraud, leaving the Internet business problem. And not all payment integrators have a set of tools that, without reducing the conversion, can qualitatively prevent fraud (there is no payment monitoring service, there is no antifrod-system).

Relying only on filters against fraud, with classic processing you can lose enough users who can cause suspicion when processing the transaction, but not to be fraudsters. According to statistics, almost every 5th payment may cause suspicion of classical antiprod.

Question 3: How is the passability of payments?

Here the question is how stable work Can carry out your payment part. If the client has entered all payment data when paying, pressed "pay", and the payment does not pass - this may be associated directly with the payment of payment by the Bank. In this case, it is necessary to ask whether it is possible to implement a cascade processing: when the transaction will be automatically translated on another payment gateway to another payment for successful completion of payment.

To solve the issue of passing the payment at earlier stages - for example, with incorrect entry of data of the card or with a lack of funds on the map - it is important to have solutions that are able to bring the payment to complete. At a minimum, it is necessary to provide automatic notification of the user about the problem of the letter. In addition, the payment aggregator must have a competent approach to abandoned baskets.

Question 4: Conversion 97%? And how is provided?

Find out which tools use the payment aggregator to achieve such an indicator. Will your payment service provider provide cascade processing, which filters are used in the antifrod system, what solutions are there to fight abandoned baskets, is it possible to pay for one click with the help of tokens?

Only customization of the payment page and user support will not allow the level of conversion, which claims the payment aggregator.

Question 5: What is the "paper" component?

A good service should not be burdened by unnecessary documents when connected. The best option is one contract at the beginning of work. But it is important that, with the needs of your accounting and financial department, a payment integrator can provide the necessary set of closing documents (acts, accounts, reconciliation, etc.).

Question 6: How can I reduce the financial burden?

The interaction of the business and the payment aggregator should be based on trust, and the solution to problems should be comprehensive, and not limited to only the functionality of receiving payments on the site. The issue of the financial burden on the reception of online payments for each Internet business is individual. Therefore, write a list of problems that form your financial burden (for example, calculations with several sellers or partners, which are presented on your site).

Question 7: How do you need your business Internet efficiency?

Is the payment partner ready to adapt to the needs of your business and make refinement? And how fast will promises be implemented? These are not all the subtleties in the world of Internet payments. Each provocative issue of payment service provider must be formulated based on the specifics and needs of your Internet business.

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