When launching their online project or store, owners are faced with the problem of organizing the acceptance of non-cash payments for their goods and services. The reliability of the store and its reputation in the market will depend on the stability of this area of ​​business.

To choose the most convenient payment system for your business, it is important to understand its essence and features.

An electronic payment system is a service that allows you to make various payments between counterparties online.

General scheme payment system looks like that:

• The buyer selects and orders a product/service on the online store website. An order is being formed with assignment of a unique number.
• The order data is transferred to the payment system service, and the client is redirected to the payment system website.
• On such a site, the buyer selects a bank card or e-wallet for payment. Enter card or wallet details.
• The payment system service checks the correctness of the data and carries out the payment transaction, which is ensured by a high level of security.
• In case of successful payment or its impossibility, the buyer returns to the store’s website. The online store server receives information about the payment just made.

That is, the following parties take part in the specified payment scheme:

1. buyer;
2. online store (seller);
3. bank (provides a guarantee of the formality of the transaction);
4. processing organization (is a technological intermediary between all participants in the operation).

How to open your online store from scratch? Step-by-step instruction contained

Exists 5 main types of electronic payment systems for online stores:

• payment systems VISA and MasterCard;
• electronic wallet systems - Qiwi, WebMoney, Yandex-Money and others;
• mobile commerce services (BeeLine, Megafon, MTS);
• payment intermediaries with accumulation Money– PayPal and MoneyBookers;
• payment “aggregators” that allow sellers to accept electronic payments from buyers via bank cards, electronic payment systems, from mobile phone accounts and through payment terminals.

All of them can be quite easily integrated into the website of any online store and allow you to make payments without leaving your computer.

When choosing an electronic payment system, you need to pay special attention to the following:

• duration of work in the market and stability of payment acceptance;
• tariff schedule with flexible commission and no hidden fees;
• developed and timely customer support service;
• the optimal number of acquiring banks, the ability to choose the optimal one;
• possibility of system testing;
• clear interface for buyers and sellers;
• availability of the necessary certification and certificates;
• alternative offline methods (for example, mobile terminals for couriers).

Let's look at the most common electronic payment systems for online stores, their characteristics and terms of use.

Payment systems for online stores: ranking of the best

What is WebMoney and how to use it?

One of the most popular payment systems in Russia. The total number of users of this system exceeds 30 million. Its main advantage is the international level, the ability to work not only in Russia, as well as support for various currencies.

The system works with nine units of account (title units):

• WMR – ruble equivalent;
• WMZ – dollar equivalent;
• WME – euro;
• WMG – gold;
• WMB – Belarusian ruble;
• WMY – Uzbek sum;
• WMU – Ukrainian hryvnia;
• WMC, WMD – dollar when making credit transactions.

All transactions made in the WebMoney system are instant and irrevocable. The commission amount is 0.8% of the payment amount. There is no commission between wallets of the same type. To get started, you need to get a unique user number (login) - 12-digit WMID code.

To do this, the user can install any WMKeeper program for various operating systems. There are also mobile versions. By following simple instructions, the client can easily launch the program and be able to use his wallet.

WebMoney also has system of certificates based on the received personal data about the user.

When making transfers, the system offers to use the projection function special code or time. This protects the user from possible fraud or errors.

You can replenish your wallet through bank transfers, scratch cards, payment terminals and machines, postal transfers, WebMoney exchange offices. The commission size ranges from 0-5% of the amount.

Withdrawal of funds is carried out to a bank card, account or by bank transfer for cash receipt.

What is Robokassa and how to use it?

Robokassa only allows you to accept funds from customers, that is, the system is intended for businesses and entrepreneurs. The service has integrated many electronic payment systems in order to unify and simplify payment transactions for online stores.

Customers can pay for goods and services using a bank card, WebMoney, Yandex-Money, QIWI wallets, and even from a mobile phone account. A commission is charged from the seller of goods or service providers, the amount of which varies between 2-5%. The buyer does not pay any commission.

Advantages of Robokassa:

• no subscription fee is charged;
• fast and simple registration procedure;
• the system works with legal entities and individuals;
• high level of technical support.

Payment systems for online stores PerfectMoney

The terms of this payment system are aimed at large business partners rather than at the medium-sized business sector. Wallets are created in dollars, euros and gold equivalent.

Main advantages of the system:

• one of the lowest commissions (0.5%);
• Interest is charged on the balance (about 7% per annum);
• A referral program is offered.

You can withdraw or deposit money by bank transfer. The commission for withdrawal of funds for an account with Normal status is 3%+50$, for Premium – 2%+50$, for Partner – 1%+50$.

Having studied all aspects, pros and cons of the designated electronic payment systems, the owner of the online store being created will be able to make a decision and choose the most convenient and profitable one.

You can learn how to choose and correctly connect a payment system on the site in the following video tutorial:

In general, any system for accepting funds works like this:

1. a request is received from an Internet resource with the payment amount (most often by redirecting to the payment instrument website);
2. the buyer enters his data and the system makes the payment;
3. funds are transferred to the seller’s accounts within a few days, minus the service commission.

To start accepting payments on the website, you need to select a payment acceptance system, enter into an agreement and carry out technical integration. It is important for an entrepreneur to understand how different means of accepting payments work, as well as what influences their choice.

What do you need to know?

Commission

Of course, the services of payment acceptance systems are not free for the business owner. Usually a fixed % of the amount of each transaction is charged, on average 3%. However, depending on the type of your business, monthly turnover and the connected method, this rate may vary. For example, high-risk categories can activate card payment on the site for at least 5-6% and not with all payment partners, while a standard online store will most likely receive a rate of 3%.

It is also important to understand the restrictions on turnover: most large payment acceptance systems have special conditions for sites with a turnover of >1 million rubles/month. And vice versa, you will not be able to connect to a large acquiring partner if only 50 thousand rubles pass through your website per month.

Most often, a commission is charged to the online service, but some payment acceptance systems for online stores offer to set up the removal of a commission from the buyer. Those. the payment amount for you in the website catalog does not change in fact, and the buyer pays a little more.

Sometimes there are payment systems with subscription fee, without % from each transaction. If purchases are not made on your website every day, we recommend that you avoid such solutions as they are absolutely not beneficial for you. Similar to a paid connection: often newcomers to retail move from partner to partner during the first time the site is up and running. Of course, you don't want to lose the amount you spent at the start.

Connection

Regardless of the type of payment acceptance tool, there are several options for connecting to start accepting payments on the site.

A) Directly - you enter into an agreement with each payment system separately. This will often give you access to the best commission rates, but will take more time if you need several different options.

B) Through an aggregator - you can conclude one agreement, carry out one technical integration and start accepting payments on the site in several ways at once. Unfortunately, the commission rate in this case will be 0.5-1.5% higher than with a direct connection, but you will save time, as well as resources - payment integrators often have much better customer support, especially for small businesses.

Technical integration

Integration does not in any way increase the cost of servicing the payment acceptance system; commission is charged only for payments. However, the integration option affects the convenience and conversion of the payment process on your website.

The simplest option would be to connect via redirection to the payment partner’s website. With this option selected, your technical specialists will not have to configure virtually anything - you can start accepting payments on the site in a few minutes! Note that for the user this is the most inconvenient and distrustful option, which will not have a very positive effect on the conversion to a successful payment.

However, if your site is implemented on one of the popular CMSs, pay attention to systems or aggregators that have special modules. This way you will open up more opportunities for yourself. fine tuning(customization) of the payment process on your website.

And finally, if you have a staff of programmers and your site is written from scratch, it makes sense to connect via the payment system API. This option will require more time to connect, but in the future it will allow you to maximize conversion due to closer integration into your website: embedding a payment form into your page, entering part of the data to complete an operation in your interface, no redirects and other options.

What payment systems are on the market?

So, let's look at the main types of tools:

Internet acquiring

Accepting payments from bank cards. The most popular and convenient way to accept payments on the site. Direct connection to banks is almost impossible for small businesses. Therefore, we recommend using the services of aggregators or processing centers (essentially a separate category of aggregators specializing specifically in card transactions).

If you want to connect to the bank directly, compare banks' tariffs for Internet acquiring. If you need a greater variety of payments, check out the TOP payment aggregators.

Internet wallets

The most numerous class of payment systems. The user creates a “wallet” (account) in the system, indicates personal data and gains access to payment for goods, services, and physical transfers. persons. If such a payment method is connected to the site, then upon payment the payer is sent an invoice to the system for payment. During the payment process, online wallets may request additional confirmation of the transaction, similar to 3DSecure in acquiring transactions. For online wallets, there are legal restrictions on the amount of payment (Federal Law 115): no more than 15,000 rubles. for payers who have not completed the identification procedure.

The most popular online wallets in Russia: Yandex.Wallet, WebMoney, QiwiWallet, WalletOne, EasyPay. The most famous international electronic currency is Bitcoin.

Payment terminals

A very expensive payment method: commission rates can exceed 10%! However, in remote settlements it is often possible to pay for a purchase online only through an offline terminal. Most important parameter terminal network- geography of coverage.

Please note that refunds for this payment method require a lot of effort and your customers will have to wait about a week for a refund. In addition, for terminal payments there is also a limit on the amount of a one-time payment: 15,000 rubles. However, there are cases when connecting such a payment system to a website can significantly expand business opportunities.

Postal services

An additional way to expand the geography of purchases is to connect Russian Post or delivery services. Payment for the purchase occurs upon receipt of the order. It is more reasonable to implement this method of making a payment through an aggregator: there may be restrictions on turnover and the API is quite complex in terms of implementation.

Internet banking

The payment method is very similar to online wallets in terms of the payment process, but has a peculiarity: the invoice is issued not to the wallet, but to the payer’s bank account.

Many payers prefer this payment method because they do not need to enter card details, which is not always secure. Unfortunately, direct connection is often not available to small stores due to restrictions on monthly turnover, similar to connecting to Internet acquiring.

Payment from mobile phone balance

For small amounts of payments, paying from your phone balance is very convenient. This payment method is especially often used in gaming services. There are several payment options.

There are a number of mobile payment providers that act as intermediaries between the operator cellular communications and the seller of the service. Each provider has its own system of tariffs and settings for each operator and region. When connecting through an aggregator, several payment gateways become available to the store, depending on the needs of the business. For all types of payments from a mobile phone, there are limits on one-time payments, usually in the range of 1-5000 rubles.

Cash

Even taking into account the statistics of an increase in the turnover of card transactions in recent years, some still prefer to pay for goods and services in cash. Such services are often provided by communication shops, for example Svyaznoy and Euroset.

Lending

A new payment method on the market for the site: purchasing goods on credit with confirmation of the loan from the bank online. The store integrates with the bank providing the service or an aggregator. During the purchase process, the client provides all the data required by the bank and receives preliminary approval for the loan. The contract is concluded within a few days without the participation of the store. After the loan is successfully issued, the bank notifies the store via API, and the client receives his order.

So, we have looked at the basic concepts of accepting payments via the Internet. We recommend connecting only 2-3 popular payment systems, which will allow you to accept payments through the site from the largest possible part of your audience. Unfortunately, novice business owners often make the same mistake: they spend a lot of time connecting all possible options, when they could only set up accepting payments from bank cards and start making a profit at the very beginning of the Internet service.

Hello, dear readers of the blog site. Electronic money is increasingly becoming part of our lives. This is connected primarily, which has now become one of the most necessary attributes of our lives.

Moreover, he has long since crossed the level when we only gained knowledge there. Now we live online - we communicate, buy, sell, pay for services, make friends, etc., etc. It is quite logical that in this environment their own systems of mutual payments arise, allowing them to move away from primitive barter.

On this moment There are already several dozen payment systems in Russia alone, and even more in the world. Of course, not all of them are well-known, but the very fact that there is competition gives ordinary users of electronic payments (all sorts of goodies to entice), which might not have existed in the absence of a fight for the client.

Of course, it will not be possible to cover all the players in one article (and there is still a wild excitement around them, which I wrote about in a separate publication), but we will definitely consider the most popular ones. At the end of the publication, I will also invite you to vote for the Internet currency that you personally prefer.

Three leading payment systems in Russia

It all started a very long time ago (mainly at the end of the last and beginning of this millennium). At that time, monetary relations began to actively develop on the Internet (e-commerce, etc.) and the only accessible form Payments were made using plastic cards. The emergence of Internet money options has made it possible to significantly simplify the process of paying and receiving payments via the network (without leaving home).

But not only on the Internet, because now various electronic wallets offer you to use those on them not only for any operations on the Internet, but also in real life. For example, a system linked to an account, with which you can pay for your purchases in real life (supermarket, boutique, gas stations and other places where cards are accepted for payment). In fact, many payment systems already offer similar services.

In Russia you can highlight 3 leading payment systems, but I think it’s unlikely to be possible to put them in their strict places. In each individual case, you will need to choose exactly according to your needs.

For example, Qiwi is truly a “people's” system and everyone who knows what payment terminals are works with it. At the same time, WebMoney is used by almost everyone who makes money in the Russian-speaking part of the RuNet. Both Yandex Money and other electronic wallets have their own audience. But first things first.

Qiwi payment system

If the main complaints about working with Qiwi (and many other systems) relate to the work of their technical support service, then in the WebMoney payment system the main problem is. Personally, I solved this problem for myself, which does not allow me to make a single payment or authorization on sites without confirming this action on my mobile phone (you receive a confirmation code in the form of SMS, or you put special application to the phone to generate it).

Also, the safety and security of this electronic money depends. There are several of them, and I wrote about some of them in some detail at one time:

You also need to understand that there are various Internet currencies that circulate within this system. Currencies, of course, are conditional (in fact, these are just title units), but are strictly tied to the official exchange rate of the real currencies coinciding with them (fiat money).

The main ones, of course, are dollars (WMZ) and rubles (WMR), but euros (WME), hryvnia (WMU), Belarusian rubles (WMB), etc. are also in circulation. In this regard, the need very often arises. Read about the most profitable ways to do this in the article below.

Electronic Yandex Money

Personally, this system attracts me because it can link a plastic card from Yandex to your wallet, so that you can then use it to pay in the store and in all other places where MasterCard is accepted. In this case, the account on the electronic wallet is equal to the balance on the card and no interest is charged for such use (a commission is charged only when withdrawing money from an ATM). In my opinion, this is a very convenient way to withdraw pennies earned on the Internet.

This payment system allows you to deposit and withdraw funds in a variety of ways, as well as pay for many services and goods. There is a mobile phone application that allows you to conveniently work with your e-wallet without having to download a browser. In general, read about that in the article provided.

8 best electronic payment systems in the world

— once upon a time, the Payoneer Mastercard was the only acceptable way to withdraw funds earned by freelancers and stockers abroad. Enough has appeared now similar systems, but Payoneer (or Pioneer) still remains in great demand, because many bourgeois exchanges and sites for making money cooperate only with it.

The main feature of the system is to receive a branded card and withdraw money earned abroad from it through any ATM in the world. Although it is now possible to withdraw money from a Payoneer account directly to an account in a local bank and with a not very high commission percentage, many do not want to show their income to the bank and use the card, because it is not connected to a bank account (prepaid) and there are no problems there should not be any problems with the tax authorities only when using it.

Previously, withdrawing money from Adsense was quite inconvenient, but after connecting to Rapida everything became just fine (though only for residents of Russia). The fact is that in the Rapida system you can configure payment templates for the transit of electronic money from Adsense to any terminal options for cashing them out that are convenient for you. Moreover, the templates are executed automatically when a payment is received from Google’s contextual system.

Liqpay— Ukrainian payment system, the account in which is linked to the account in Privat Bank. It positions itself as an alternative to the world-famous PayPal and Moneybookers, but in reality this is, of course, far from the case. Working with electronic money is quite safe, and read about the rest at the link provided.

10 most popular cryptocurrencies in the world

Cryptocurrency in general is difficult to classify as a payment system, because due to the nature of this system, there cannot be owners or people managing (and even administering) this system. She is launched and she begins to live her own life, essentially not obeying anyone (all thanks to cryptography based on the great and terrible, which simply works wonders). This is its charm and, in a sense, its disadvantage.

It is also difficult to equate crypto-currency with electronic money, because there is not yet a developed network of services and goods that could be bought with crypto-money. Something is possible somewhere, but it is still in its infancy. But at the same time, speaking about electronic money, it is impossible not to plunge into the crypto world. Why?

Because cryptocurrency is great tool for speculation, i.e. fast, often high-risk, but also very high earnings. Someone sells their home, and in a month or two doubles their capital. Some people play “small” and have a stable additional source of income. There is a rush of demand for cryptocurrency and it is becoming more expensive.

Payment systems are a specific way of transferring funds from one client to another, through basic services provided by banks. By far the most great service, in its own way, is provided by the international interbank system for transmitting information and making payments - SWIFT.

The actions of this system occur according to two principles: financial and systemic. In the first case, these are messages between users of the system, in the second, between the system and users.

Within the framework of payment systems, so-called physical financial transactions can be carried out, that is, cash transfers through ATMs, POS terminals, or electronic ones. Electronic payment systems carry out financial transactions through global network Internet.

Today, bank cards that represent the largest international payment systems are especially popular. With these cards you can carry out various financial transactions almost anywhere in the world.

Visa International has the world's largest electronic payments network. Visa bank card holders can carry out any financial transactions, both in the real and virtual world. Visa is the undisputed leader in the field of electronic payments. She is also the initiator of the creation of a universal system that will allow merchants to do business at any time, anywhere and using various technological devices.

Another world-famous payment system is MasterCard Worldwide. It is the progenitor of such plastic cards as Cirrus/Maestro - an electronic wallet; MasterCard Standard, with which you can pay in more than 210 countries around the world. And also, MasterCard Gold cards, whose golden color guarantees privileged attention to your person and higher quality service in the most expensive stores.

The modern system for accepting bank cards has improved to such an extent that today it is already considered the norm to make virtual payments in online stores, pay utility bills, fines, and various types of services via the Internet. You can even buy a plane, train or theater ticket without leaving your home. All payments are made using so-called electronic money.

Today there are a lot of payment systems on the Internet that make payments using electronic money. In our article we would like to highlight the largest payment systems on the Internet.

Service provided by one of the largest Russian-speaking search engines, by Yandex. With the help of Yandex.Money, you can absolutely safely make any payments on the Internet; the safety of all information about your payment history is guaranteed. Moreover, in order to become a full participant in this payment system, it is not at all necessary to have a bank card or bank account. All you need to do is register on the website money.yandex.r. Here you can make payments.

After registration, an account will be automatically opened in your name, linked to your e-wallet. Here, you can store your money, make payments, receive transfers and, if desired, exchange electronic money for real money. The settlement currency on Yandex.Money is rubles Russian Federation.

WebMoney

A unique multi-currency Internet payment system that ensures instant settlements between system participants. Money and other valuables of participants in this system are stored in specialized companies called Guarantor. Each Guarantor works with a specific currency, therefore, in order to become a WebMoney participant, you must enter into an agreement with one or several Guarantors at once.

For the convenience of the user, all of his wallets are combined into one storage facility, registered under a single WMID number. This number you can use when exchanging legal information with other WebMoney participants.

You can manage your storage using one of the programs offered by the system: WM Keeper Classic- a program designed for users operating system Windows; WM Keeper Light – browser version, where the entire payment history is transmitted to the user via a secure https connection; WM Keeper Mini is a browser version with basic functionality that allows you to make payments using mobile devices; WM Keeper Mobile – for working on mobile devices; WM Keeper Embedded is a specially designed version for use in social networks.

PayPal

The PayPal payment system is the largest world-class electronic payment system. Participants in this system have the opportunity to manage their payments from the mailbox Email, or using a mobile phone. The uniqueness of the PayPal system is that it is the only electronic service, where the payment is made in real money.

When registering with PayPal, a bank plastic card number or bank account number is attached to your account. Using the services of the PayPal payment system, Russian residents have the opportunity to directly pay for goods in foreign online stores or pay for the services of a foreign service.

(QIWI) QIWI

The Qiwi payment system is an international leader in the instant payments market. The Qiwi system is developing by expanding the list of services provided. Today, in Qiwi terminals, which are within walking distance, you can pay for regular necessary services. Cellular communication services, Internet, television, money transfers to the bank, including loans.

In addition, here you can pay for flower delivery, purchase airline and movie tickets, and much, much more. In addition to payment terminals, you can make the necessary payments via the Internet or using a mobile phone; to do this, you just need to register your account to access the Qiwi Wallet and the Qiwi in Mobile application. Now, you can make payment transactions from your account at any time, anywhere.

Rapida

Non-bank credit organization "Rapida" - oldest operator payment system on the territory of the Russian Federation. The Rapid payment system has been collaborating for many years with Russian Post, the largest banks in Russia and foreign countries. You can also pay for goods and services using payment terminals at payment acceptance points such as: Euroset, Svyaznoy, Eldorado, M.Video, DOMO, Tekhnosila.

Via the Internet on one of Rapida's two official websites: Rapida.ru and Pps.rapida.ru, in any way more convenient for you, you can pay for mobile communication services, Internet and television, housing and communal services, fines, pay off credit debts, pay for tickets and vouchers, goods in online stores, online games, as well as withdraw your funds to other payment systems in Russia.

Neteller payment system

Neteller is the undisputed leader in the European electronic payments market. Using the global eWallet and the Net+ Prepaid MasterCard, you can very quickly and safely pay for various goods and services. The Neteller payment system is especially popular among online casinos and poker clubs abroad.

To become a member of the Neteller payment system, you need to go to the official website www.neteller.com, enter your email address, the country in which you live and the currency in which you would like to make settlements. Next, you need to enter your personal data, which must be reliable, since all information is verified. Please read the terms and conditions carefully and, if you agree, confirm your registration.

You can make payments in the Neteller payment system using online checks, money transfers, bank cards, special ATM cards and other methods.

1. What trends in the use and development of payment instruments could you note in recent years?

Marat Abasaliev, PayOnline
Before the crisis, we experienced a steady increase in card payments - customers began to trust online shopping more and finally appreciated the convenience and benefits of online shopping.

One of the fundamentally new technologies is the introduction of contactless payments. International payment systems introduced Visa payWave and MasterCard PayPass, allowing payments to be made with one touch of the POS terminal in supermarkets and stores. It is also impossible not to note the first confident steps of world payment systems in the field of electronic wallets - V.ME from Visa, MasterPass from MasterCard. They allow you to combine several payment instruments under one “pay” button.

Don’t forget about the growth of payments from mobile devices (smartphones and tablets). According to PayOnline, in 2015, almost 40% of online shoppers made purchases from mobile devices, and in 2016, judging by the trend, more than half of payments will be made on smartphones and tablets.

P2P transfers continue to gain popularity, including through social networks and instant messengers. Many users still have doubts about the security of transferring funds through messages, but data encryption is reaching a new level - instant messengers are beginning to fight for the title of “most secure” method of communication, so we can expect that this method will soon money transfers will become quite commonplace.

Sergey Belyaev, RFI Bank
There are not so many main trends. Firstly, business goes online: communication with clients in a language they understand and on a platform they are familiar with. Moreover, offline does not die, but is integrated into this process. Secondly, the increase in the use of contactless payments, especially in supermarkets and hypermarkets. Not only is it fashionable, it reduces checkout downtime by a few seconds. And a second on one client is already a big plus. Thirdly, the spread of mobile card readers, pinpads and other things. A small device allows you to accept a card wherever your smartphone can connect to the Internet!

Igor Nazarov, Shopolog
In recent years, a number of trends have remained stable: the growth of sales through mobile phones, the increase in the share of non-cash payments, the entry into the electronic payment market of companies that have never previously provided financial services, and the simplification of tariff schedules.

Among the latest trends, we can highlight the increased demand for customization (niche solutions) of payment services for various online stores (small, medium, large; with a call center, offline representation, subscription sales, etc.).

Maria Mikhailova, National Payments Council
Using payment cards for payments rather than cash withdrawals. In 2015, people were 41.5% more likely to use a card to pay for goods and services than in 2014 (according to the Bank of Russia). An increasingly important role in the development of infrastructure is played not by its traditional components that provide offline interaction, but by online payments: on the Internet and using mobile phones. There is currently no independent data that would allow us to see not only the state of the national payment system at the macro level, but also to track consumer payment behavior.

Dmitry Spiridonov, CloudPayments
The trend is everything related to mobile phones. Recurring and recurring payments, adaptive form for any device, card linking to NFC technology, custom solutions for online business, without dependence on payment systems and PCI DSS.

Vyacheslav Fedorov, e-MoneyNews
Over the past 2 years, investments have been seen in payment technologies related to QR codes, mobile payments via NFC solutions, and the use of an account with a telecom operator as a source of payment for small transaction amounts both online and offline.

Vitaly Tsigulev, Digital Finance
Firstly, the entry of many fintech startups into the market, their confrontation and partnership with traditional banks. For example, in the field of accepting payments on websites, banks have long lost their primacy to Internet companies. According to some studies, only 10% of merchants are directly connected to accepting payments through a bank, while the rest work with payment gateways or payment aggregators. But in the Russian realities of very careful regulation of all processes related to money, it is quite difficult for startups to develop without being an independent bank, its part or an NPO. Secondly, probably the main trend is blockchain (a chain of connected blocks, each of which contains a hash of the previous one and is processed on distributed servers). One of the first large-scale implementations of this technology on the Russian market was recently launched by the National Settlement Depository: the organization switched to a blockchain system for electronic voting of bondholders. Not everyone fully understands distributed registry technology yet, and how exactly it should be applied in each specific case, but listening to experts and following Western colleagues, more and more large financial organizations are starting to invest in this area.

2. What, in your opinion, are the most promising areas for the further development of mobile payments? For what purposes will they be used? Who will be the main user?

Marat Abasaliev, PayOnline
Mobile operators will continue to try to “get” subscribers to use a SIM card as a payment instrument. Here we foresee serious competition with Apple Pay, a technology that allows the use of wearable devices and the smartphone as a full-fledged means of payment for both online and offline payments. Following Apple, players are emerging who provide a similar payment option via NFC in conjunction with Internet payments. By functionality Apple devices and their competitors are on the same level. User choice will depend on additional options, price segment and, of course, the brand.

Another noticeable trend is e-commerce in social networks and instant messengers. An online store on VKontakte or Instagram will no longer surprise anyone, and until recently these social networks acted exclusively as a showcase and a channel for communication between the seller and the buyer. Now we see solutions that allow us to turn a public or community into social network in a full-fledged online store. This is an excellent solution for those who have built up a customer base of subscribers over several years and can now conveniently convert it into sales without redirecting customers to the online store page.

Igor Nazarov, Shopolog
The idea of ​​messenger applications in which you can chat, get all the necessary information and make a purchase looks quite interesting and promising. Most recently, the chairman of the board of directors of Yulmart, Dmitry Kostygin, announced the creation of a similar messenger for purchasing goods. With world development mobile technologies and instant messengers, we can soon expect the integration of payment instruments into popular whatsapp apps, Facebook, Viber, Telegram and others.

If we look at it more comprehensively, mobile payments must be used in conjunction with other important elements of e-commerce - loyalty, special offers and rewards.

Maria Mikhailova, National Payments Council
First of all mobile phone will replace self-service banking terminals. Secondly, the phone becomes a material carrier for a bank card. The less effort required from a person to “turn” a payment card into a “phone,” the greater the chance that payments of small amounts and those made in a “hurry” will be made by “phone.” This is payment for business lunches, taxis, and everyday purchases. The third is payments using funds in the account with the telecom operator. mobile connection, parking, p2p transfers.

Dmitry Spiridonov, CloudPayments
The tourism segment, air tickets, car sharing, and medical services are gaining momentum.

Vyacheslav Fedorov, e-MoneyNews
Mobile payments are different from each other, and each type is promising in its own market segment. Firstly, mobile payments, which allow payers to operate a subscriber account with telecom operator, and used for payments both on various sites (games, online cinemas, online stores) and offline (vending machines, TV shows, paid parking, etc.). Secondly, mobile payments, which use a bank account as a source of money and an NFC chip as a payment interface. The latter allows you to use a fairly extensive payment network of Visa and MasterCard, built thanks to the banking network for accepting payments (shops, transport, vending machines, etc.).

Largely mobile tools are now used by “innovators” and, in some segments, by so-called “early adopters.” The main growth in demand for the “early majority” will come later. One of the drivers of growth will be bookmaker companies that are allowed to collect bets via the Internet, providing their services online.

Vitaly Tsigulev, Digital Finance
An important trend is the emergence of mobile payment systems such as Apple Pay, Android Pay, Samsung Pay. I would not write about this if it were not for three events that took place one after the other at approximately equal intervals. First, Samsung announced the launch of its payment service in Russia in the middle of this year, then information leaked that Apple was negotiating with leading Russian banks to launch its wallet at the end of 2016, and then Yandex.Money announced that you can now pay With using NFC, using MasterCard Cloud-Based Payments (MCBP) technology directly from mobile application and accounts in your Yandex.Money account.

3. What are the main limiting factors for the growth of the payment instruments market and possible ways fight them?

Marat Abasaliev, PayOnline
All attention is now focused on the banking sector. Acquiring banks, direct participants in the processing of payments, are currently experiencing stricter influence from the regulator in the person of the Central Bank of Russia. Those processors and payment aggregators who, in the pursuit of profit, chose less reliable banks as partners, giving more “interesting” commission rates, today risk being left without acquiring banks at all. The moment a bank loses its license, the payment aggregator rushes to find a new partner, but even a week’s downtime leads to an outflow of customers. The concentration of players is growing, the market is monopolizing, and online stores are the first to suffer - they go to new payment partners on different terms and again spend time and money connecting to a new partner. The current crisis is causing the e-commerce market to take a step back - sellers are leaning back in favor of cash payments, reducing their costs.

The solution that will be most effective at the moment is a constructive dialogue between the Central Bank, the Electronic Money Association and professional market participants. The payment instruments market still has a long way to go - it is necessary to simplify and optimize many processes, but due to the influence of many third-party factors, this is not as fast and easy as everyone would like.

Sergey Belyaev, RFI Bank
The main limiting factor to the growth in the number and quality of tools is the incomplete understanding of these tools on the part of users. It is indicative that the majority of Russians withdraw money from their salary card on the very first day of their accrual. And we should rather not fight this, but rather work with the population to help, remove objections and explain all the advantages.

Igor Nazarov, Shopolog
Currently, there are no particular constraining factors that could fundamentally affect the payment instruments industry. Retail and payment solutions go hand in hand; the development of the former necessarily affects the latter. Willingness to provide quality goods and service is always rewarded with a sale. The same applies to payment solutions - how convenient, understandable, and profitable the service is, the more in demand it is.

Maria Mikhailova, National Payments Council
It is more correct to talk about the growth of non-cash turnover. The concept of a market is redundant in relation to payment instruments. A payment instrument is simply a way to initiate a payment and, by and large, it doesn’t matter exactly how this happens: a person inserts a card into a POS terminal or the kettle itself generates a debit according to a given algorithm to pay for the energy it consumes.

Non-cash turnover should be recognized as a priority of economic policy. Only then will it be possible to use the obvious advantage of non-cash payment: its electronic nature, ensuring its complete transparency, which is not used today. Non-cash payment will become economically profitable due to paperless interaction with the buyer and control authorities, reducing the cost of administering payments and other things. This will provide an incentive for the development of all forms of payment instruments. The payment instruments segment must be extremely competitive. Only fierce market competition in this area will ensure the quality and safety of payment services for consumers. And the third important component is that it is necessary to build a modern infrastructure for identifying payers. Anonymous payments will quickly become a thing of the past.

Dmitry Spiridonov, CloudPayments
Firstly, payment technologies with innovative solutions are difficult to access for small and medium-sized e-commerce businesses. Large, historically established players in the payment market do not undertake to solve the needs of newly created projects, startups, small and medium-sized companies, especially without confirmed turnover. Or they solve them incompletely and for an additional fee.

Secondly, at big business e-commerce no simple solution, which allows you to independently manage the payment infrastructure without obtaining a PCI DSS security certificate. At the same time, any need to change the payment solution (customization, design, placement, field adjustments, etc.) requires the preparation of a separate technical specification, followed by labor-intensive implementation on the side of the payment service.

Thirdly, low conversion of payments. The reason lies in many details, including cumbersome anti-fraud protection settings, rules on the side of the payment service itself, as well as an outdated and incorrect payment process algorithm: with extra fields, steps, transitions, etc.

Fourthly, the lack of a full set of payment instruments in one solution for accepting bank cards online, with 100% confirmed working cases. Often the technical capabilities declared by existing payment services are not implemented in practice, or are only at the development stage.

Finally, existing processing centers do not have modern fault-tolerance technologies, while they are constantly being developed and implemented abroad, and in global experience this is a constant trend.

Vyacheslav Fedorov, e-MoneyNews
The limiting factor is the unwillingness of a large number of business players (retail) to switch to full transparency of their activities. Continuing to evade taxes, they accept cash for payment.

Over the past 1.5 years, the Central Bank and Rosfinmonitoring have greatly reduced the level of “cash-out”, thereby stimulating the growth of non-cash mutual settlements. In addition, the Central Bank, the banking sector, payment systems Visa, MasterCard and NSPK, as well as telecom operators are actively popularizing electronic means of payment, both through educational activities and marketing activities, and by legislatively introducing restrictions on working with cash.

4. Are there any difficulties with changing the consumer habits of users when introducing new technological solutions into payment instruments and, if so, which ones? What methods are used to influence the end user to change his habits?

Marat Abasaliev, PayOnline
If understanding the technology becomes easier - new solutions require intuitive interfaces - then problems with trust may still arise. UX has become one of the “pillars” on which payment innovations are based; sometimes it’s enough to press one button to make a purchase. But the security of data and its protection from attackers and others are called into question.

In order to convince the buyer to make payment in one way or another, it is necessary, firstly, to give him as much as possible full information about what protects him, and secondly, to enlist the support of partners - well-known brands. If a customer sees that their favorite world-famous store offers payment in a new way that many other customers have tried, their trust will likely increase. In addition, technology dictates its own conditions, for example, if you trust biometric data (fingerprints) when locking your smartphone, then you will most likely be ready to make a payment using the same method.

Igor Nazarov, Shopolog
The habit of using one or another payment instrument can only be developed through frequent positive experiences, both the user’s own and the user’s close circle of friends. Widespread distribution of the solution, confidence in a successful transaction, high-quality support - all this contributes to changing user preferences.

Another important factor is the channels and formats for conveying information about new technological solutions. Statistics show that young people aged 18–25 are the most actively trying new services and solutions. This factor must be taken into account when promoting a service.

Maria Mikhailova, National Payments Council
They arise, but do not carry any special marketing specificity. The peculiarity of payment services lies in a slightly different plane. Non-cash payment competes with cash payment not only at the level of consumer choice, but also at the “corporate” level. What benefits will the store receive from accepting new payment instruments for payment? What benefit will the company receive if accountable funds are transferred to cards rather than issued in cash? As soon as actual economic feasibility is found - and these can be a variety of motives, from strategic and image-based to reducing the cost of document management - solving the problem of consumer habits becomes a matter of competent marketing.

Dmitry Spiridonov, CloudPayments
This question should be asked to online stores. They make management decisions on any implementation of anything because this is their user audience. She trusts first of all the online store, and they know how to communicate with her.

Vyacheslav Fedorov, e-MoneyNews
Based on the Central Bank's indicators, it can be seen that consumers are increasingly using cards as a means of payment and transfer. This indicates a gradual change in the consumer’s consciousness and a decrease in mistrust in this payment instrument.

The growth rate of non-cash payments is being reduced by scammers who open fly-by-night companies (travel industry, Forex market players, builders of financial pyramids, etc.), collect payments through their websites and disappear. Cybercriminals also cause very irreparable damage to trust in electronic means of payment.

5. Do you think biometric authentication methods will be developed and, if so, in what time frame? What are the main obstacles to this?

Marat Abasaliev, PayOnline
Biometric authentication methods are already being developed. A few decades ago, such technologies were more of a fantasy than a way of life, but today we easily get fingerprinted when applying for tourist visas, and schoolchildren pay for lunches using Ladoshka, a biometric service of Sberbank, launched last year.

The main obstacles to biometrics are defensive psychology and outdated technology. Firstly, users do not want their biometric data to be included in general databases. Even those who do not plan to become an international criminal and hide from intelligence services do not like the idea of ​​getting into a corporate database and losing the opportunity to maintain privacy, because changing fingerprints or capillary patterns is much more difficult than changing a SIM card or a servicing bank.

Outdated technology is also a challenge in the small and medium b2c segment. An excellent example of the massive market transition to new technologies is how American retail outlets have been switching to point-of-sale terminals that support chip cards for many years. So it’s too early to talk about a massive transition of users to biometrics. But we are confident that projects will appear one after another, with increasing frequency, and the biometric authentication technology itself will become commonplace within 5–7 years.

Sergey Belyaev, RFI Bank
They will receive it. Undoubtedly. For example, what is a bank card? This is a way of identifying a person. It is natural to expect that identification should be simplified. Why do you need crutches in the form of a card, passport or other identifier for the identification process? Perhaps soon it will be possible to pay for purchases by blinking or pressing electronic hand or something else. What's stopping this? Technology and habit.

Igor Nazarov, Shopolog
Payment using an Alibaba selfie) or a fingerprint (Samsung) and so on are still technologies that require serious improvements. Transaction security is the main condition for a payment instrument. For now, these technologies can be considered as some kind of prototypes, on the basis of which in the future, perhaps, the infrastructure for biometric authentication when making online payments will be built.

Maria Mikhailova, National Payments Council
This is an obvious trend in the development of the institution of identification and authentication. The main barriers are on the socio-cultural plane. This is an area in which under no circumstances should technology be allowed to develop faster than the “mental” or “social” readiness to use it. The implementation process must proceed carefully and gradually. It is important that methods for challenging identification results and methods for protecting identity are developed in parallel. But, apparently, the necessary methods will first be developed in areas not related to payments, perhaps, for example, in medicine.

Dmitry Spiridonov, CloudPayments
Yes. There is a very cool technology created by Sberbank. Payment by palm. By the end of 2017, it will be as widespread as PayPass.

Vyacheslav Fedorov, e-MoneyNews
Already, various types of biometric authentication (fingerprint, face, voice, palm capillary pattern recognition) are being implemented around the world, and examples of these projects can be found. These are investment projects. And only market leaders who have enough funds to develop and implement these technologies can afford to implement these solutions during a crisis. As with cards, the market will have to get used to new ways of accessing finance or information.

6. How do you assess the influence of the state on the payment instruments market?

Marat Abasaliev, PayOnline
Firstly, this is the regulator of the Central Bank of Russia. Secondly, this is the influence of the Ministry of Telecom and Mass Communications - the requirement to locate servers on the territory of the Russian Federation has greatly influenced e-commerce in our country. Thirdly, we should not forget about the state initiative aimed at protecting Russian buyers from so-called “sanctions” from international payment systems, namely the introduction of the national payment card system “Mir”. As a result, we can see the global influence of the state on the market of payment instruments, although many nuances and small points are still in question and can be interpreted in two ways from the point of view of the law.

Igor Nazarov, Shopolog
IN Last year Internet business and online payments are receiving close attention from the state: many initiatives and bills, some of which seriously worry industry representatives. For example, a bill on new rules that apply to cash registers (transition to online cash registers). At the same time, the authorities plan to seriously tighten penalties for trading without cash registers. I don't think this is just a coincidence.

During the first quarter of 2016, the Central Bank revoked licenses from 37 banks. Naturally, this fact forces entrepreneurs to play it safe by connecting two or more payment solutions, to choose partners more carefully, and to study the market, since, as practice shows, even the most well-known solution can have problems.

Maria Mikhailova, National Payments Council
The influence of the state on the level of non-cash payments and the payment services market is always great. The state is one of the main beneficiaries of the high share of non-cash payments.

If we are talking specifically about payment instruments, then the legally established division of payment instruments into nationally significant and all others does not seem to be the most effective tool development of the Russian payment industry.

Dmitry Spiridonov, CloudPayments
Not at all. I do not see any government participation in e-commerce in a positive way, as, for example, it is done in the USA. I also don’t see any participation that is harmful.

7. What positive and negative consequences could result from the introduction of cryptocurrency into widespread circulation? What are the prospects for the development of blockchain technologies?

Marat Abasaliev, PayOnline
As German Gref noted several years ago, “cryptocurrencies are a very interesting international experiment that breaks the paradigm of currency emission.” However, today Russia is one of the most unfavorable jurisdictions for cryptocurrency users in the world: in addition to a ban on their use, the possibility of introducing criminal liability for the use of cryptocurrencies is being discussed.

From the point of view of the state and society, possible negative consequences the use of cryptocurrencies poses a risk of their use in the trade in drugs, weapons, counterfeit documents and other criminal activities, as well as for money laundering, terrorist financing and uncontrolled cross-border transfers of funds and their subsequent cashing out. Strengths cryptocurrencies are obvious: complete decentralization, independence from the political and economic situation in the world, unprecedented payment security, system stability due to the growing distribution of power. It is also worth noting that bitcoins are just a convenient payment tool in modern world. And everyone decides for themselves whether to use this tool for good or evil.

Blockchain is a very interesting and promising technology that could help solve a number of problems relevant to Russian fintech. But due to the ban on the release and use of cryptocurrencies in Russia, the creation of Russian products built using this technology is impossible. This limitation is due to the fact that today only the Bitcoin blockchain is truly secure, having both a huge computing power, and a relatively uniform distribution of “miners” who are engaged in calculating complex keys.

Igor Nazarov, Shopolog
With the widespread adoption of blockchain technologies, the traditional financial services market may undergo major changes. Moreover, the question will be raised about the feasibility of the existence of banks and other services.

The Central Bank has unambiguously voiced its position regarding the blockchain: “We are for the technology with all our hands, but against money surrogates.” However, to implement the technology, we need a deep study of all the details and the creation of a legislative framework. At this point, there is still a lot of work to be done to make this vision a reality.

As for cryptocurrency, the market is adapting to the consumer, and the consumer is now looking with interest towards everything new. If the regulator makes a positive decision, the widespread popularization of cryptocurrency requires a serious push associated not only with its introduction as a payment method, but also with extensive information support.

Dmitry Spiridonov, CloudPayments
Cryptocurrency will have a pulse lifespan. It will definitely never be introduced in Russia. Blockchain technology is cool. They will definitely be used in some form.

Vyacheslav Fedorov, e-MoneyNews
Now they are trying not only to consider the use of blockchain technology, but also to actively implement it in many projects. Blockchain technology makes it possible to avoid discreet changes to information and documents, which will help many industries when working with information online.

Records in the blockchain are decentralized, stored on different computers and are verified by network participants and not by a regulatory authority.

Vitaly Tsigulev, Digital Finance
Blockchain, Bitcoin and smart contracts are certainly one of the most promising areas in modern payment technologies. It would be more correct for Russian legislators to regulate the circulation of cryptocurrencies instead of a ban, the implementation of which is impossible to control. Moreover, cryptocurrencies and blockchain are very interconnected, and often any blockchain project has its own internal currency for settlements. And it is not yet clear how to deal with the position of the Central Bank in this situation, according to which blockchain is good, and cryptocurrencies (money surrogates) are bad.

8. Are you aware of any upcoming mergers/acquisitions of players in this market? Are radical changes in the current market conditions possible? What could be the external reasons for this?

Marat Abasaliev, PayOnline
It is unlikely that we will see radical changes in the next couple of years. Competition from banks is too strong, there are several really large players in the market, and there are many small ones that have appeared due to low entry thresholds. There is a tendency towards dumping - only leaders can afford to do it, so perhaps the market will thin out - hold on for a long time low prices During a crisis, small businesses are unlikely to be able to. Of course, consolidation is needed. Most likely, in the struggle for market share with the aim of synergy, it will take place among large players, and this is justified.

Igor Nazarov, Shopolog
There is a high probability that there will be mergers and acquisitions. The market is aggressive and forces development, sometimes faster than the company can afford. If this happens, then a choice arises - go into niche solutions or continue development, but perhaps in the team of a former competitor.

The situation is also fueled by competition between payment systems and acquiring banks, which are now actively developing their client divisions and are beginning to connect large companies directly.

Dmitry Spiridonov, CloudPayments
There will always be changes. The most dynamic, service-oriented High Quality will set the trend and not allow the “old guys” of the market to relax.

Vyacheslav Fedorov, e-MoneyNews
Some mergers/acquisitions are now taking place as a result of banks strengthening their positions in new niches. In some cases, the situation developed in such a way that the payment system was left without an institutional foundation (the license was revoked / the bank was reorganized) and was forced to look for a strong partner and quickly carry out a transaction so as not to lose market share.

9. How are the changes taking place in the world market reflected in the Russian market?

Marat Abasaliev, PayOnline
In terms of technology, the Russian market does not lag behind, and often even outstrips, the developed markets of Europe and North America. So we can confidently say that Runet responds to the technological challenges of global fintech quickly and with dignity.

But there are issues that business does not have the opportunity to influence - these are government regulation and financial conditions of international payment systems. We have already talked about the regulation of cryptocurrencies, so we will not dwell on this issue.

An important difference Russian market are the financial policies of international payment systems. Unlike Europe, where the size of the interchange fee is gradually decreasing, in Russia it “stuck” at the same level. Today we do not yet have data on the conditions that will be offered to Russian players e-commerce market Russian payment system "Mir", but we assume that the pricing logic itself will differ from the logic of VISA and MasterCard, and the cost for business is unlikely to be significantly lower.

Igor Nazarov, Shopolog
The devaluation of the ruble and the rise in prices of most goods in 2015 gave a new round of development to cross-border trade. Large Chinese companies are gaining a foothold in the Russian market, thereby displacing intermediaries. Regular massive discount promotions provide them with high consumer demand and widespread media coverage.

Maria Mikhailova, National Payments Council
One of the global trends is finding the right balance between the global nature of payments and the need to retain their local control. This trend is also relevant for the Russian market. The point is to find the right balance. It is important not to reflect the changes taking place in the global market, but to be part of this market and a source of change.

Dmitry Spiridonov, CloudPayments
We have an amazing country, and this does not allow us to talk 100% about reflecting and applying something new from the world market. A lot of things don't stick. A simple example - 3D-secure in America is not used in the same way as it is done in 99% of cases in Russia.

Vyacheslav Fedorov, e-MoneyNews
The Internet and the current situation with the ruble exchange rate allow us to enter global markets and sell goods or provide services while being in the Russian Federation. Now is the time to take advantage of the opportunity that has arisen.

10. Is it possible, in your opinion, to significantly reduce the share of cash use through the transition to non-cash payments? What are the main limiting factors for this?

Marat Abasaliev, PayOnline
Now the crisis is still playing against non-cash payments, so we cannot talk about a truly significant reduction in the share of cash use. Yes, there is certainly a growth in online payments, but in the next couple of years it will be rather inorganic due to an increase in cardholders and an increase in Internet penetration in the country. In addition, the implementation of the Mir payment system requires technical improvements to payment systems, which will take time. Most likely, the functionality of Mir in the first year will be limited to cash withdrawals, and this will also become a limiting factor for the development of online payments.

Sergey Belyaev, RFI Bank
Cash will someday be almost completely gone or degenerate, as is the case with paper books. With the rapid development of the Internet and technology, they predicted the death of the book, but death did not happen. Books have become more expensive, more beautiful, more prestigious. Paper and metal money will also be reborn.

Igor Nazarov, Shopolog
The share of non-cash payments on the Internet is increasing every year. This process is slow, but the growth is stable. Moreover, growth occurs not only in bank cards, this includes the use of mobile devices for payment and payment systems. There is a high probability that in large cities, cashless payments will dominate over cash in a few years.

However, there are a number of factors that slow down growth: low levels of financial literacy, fear of losing control over expenses, fear of fraud. Typically, these factors are most noticeable in small and medium-sized cities.

Maria Mikhailova, National Payments Council
Non-cash payment should have obvious advantages over cash. Like a mobile phone before a landline. Due to its nature, non-cash payment is a hostage to indirect regulation, those barriers that arise at the interfaces of regulation, both in various industries and various spheres of economic life. If the level of non-cash payments is not a direct priority of government policy, then these barriers can only be removed in one way: industry analysis, the formation of an industrial position on each key limiting factor, and making changes.

Felix Muchnik, Softkey
A decrease in consumer activity leads to a search for more economical and budget-friendly places to shop. And such places quite rightly become online stores, where digital content is that very inexpensive but necessary product for the consumer. What we see: there is a product, there is money to purchase it, but there is no education in the mass consumption of legal digital content and the use of non-cash payment methods when purchasing goods and services in online stores. Yes, a lot of work in the field of introducing customers to plastic cards has already been done, but there is still a very wide segment of those who choose cash. And banks and small businesses should engage in this very education, creating special conditions for the transition to non-cash payments and making payments as convenient and invisible to the user as possible, thereby developing the habit of this particular payment method.

A good example of creating such conditions is the Yandex.Taxi application. In it we simply link our card via mobile device and we use taxi services, and we do it on more favorable terms than those who choose cash. Thanks to such a system, we can talk about an increase in the number of payments using plastic. A person begins to understand how convenient such a system is, and ultimately uses it automatically. In addition, the application provides an excellent service - the ability to pay tips for the driver also using a non-cash payment. This is an amazingly simple and incredibly convenient thing that, in my opinion, should be implemented in any service sector. And first of all - to the cash register receipts of restaurants. Why has this practice become the norm all over the world for a long time, but we are still promoting cash? After all, non-cash payments are easier to control, and they easily move into the taxable zone.

Another excellent and relatively recent example is that of the Platypus company. As soon as banks were allowed to hold money on cards, Utkonos equipped its couriers with devices - terminals for instant payment on the spot using cards. And this immediately significantly reduced all sorts of inconveniences that could arise for both the buyer and the seller: a variable payment amount when paying for goods, lack of cash for payment, lack of change from the courier, no temptation to “under-deliver” the received cash, etc. The more opportunities there are to pay with plastic or any other non-cash payment method, the faster the refusal from cash will be carried out. And this growth should be ensured, as mentioned above, by banks and small enterprises. Yes, the government services portal is accustoming the residents of our country to non-cash payments, the percentage is undoubtedly growing, but the process would develop much more dynamically if, along with this, provision from banks and enterprises also developed.
Let's not go far and remember the example of purchasing air tickets, which became the first serious purchases using a non-cash payment method. People, having tried it once, began to actively use this method in the future. As soon as Russian Railways introduced the possibility of purchasing tickets using non-cash payments, people actively began purchasing tickets using this method. In my opinion, Aeroexpress generally did a wonderful thing: it offered customers to purchase tickets using non-cash payments on more favorable terms, making the cost of tickets lower than at the station ticket office.

Thus, we can state the fact that the state and consumers are least to blame for the lack of rapid growth in non-cash payments and plastic payments. And most of all, this should be facilitated by the enterprises themselves, introducing additional conditions for stimulation, and by banks, which should stimulate non-cash payments at enterprises.

Dmitry Spiridonov, CloudPayments
There are no limiting factors. There is a problem in the mentality of our population. The cache will die. If Central Russia pays easily on the Internet, then the population to the right of the Ural Mountains is just learning not to withdraw cash from an ATM, but to buy something in a store using their bank card.