Tinkoff Payment Internet acquiring

Main articles:

• Acquiring (processing)
• Electronic payment systems in Russia

"Tinkoff Payment" — service for payment acceptance online. It includes ready-made solutions for connection of different categories of merchants: the shops selling goods and services via the website and mobile application; marketplaces; brokers and management companies; IFI; pawnshops; services of the taxi; airlines; sellers in social networks and other representatives of small, medium and large business.

2020

Connection of a small bizns to SBP together with MyWayhouse service

Cloud service for trade management MyWayhouse and acquiring service Tinkoff Oplata gave to retail sellers an opportunity to accept payments through the System of Fast Payments (SFP) by means of QR codes. On October 6, 2020 the MyWayhouse company reported about it. Read more here.

Automation of connection of shops to SBP

On August 14, 2020 Tinkoff announced start of a possibility of automatic connection of shops and outlets to the System of Fast Payments (SFP) through a personal account. It will allow SP and the companies, having connected in couple of clicks to SBP, to accept instant payments from buyers by the QR code.

Clients at whom the checking account and internet-acquiring in Tinkoff Oplata service is already opened for connection to SBP do not need to sign any additional documents — to include the option "Payment through SBP" in a personal account enough. New clients for connection to SBP need to open only the checking account in Tinkoff, to create shop in a personal account and to include this function.

Advantages of connection of business to SBP:

• Low commission: if you pay with the QR code through SBP it makes no more than 0.7%;
• Instant transfer of money for the account, even on holidays and days off;
• Instant and free return of funds for the account to the buyer;
• It is not necessary to install the terminal.

Payments by the QR code are convenient, first of all, to online stores and services. The buyer does not need to enter these cards — to him to scan the smartphone enough the QR code which will start the Tinkoff application (or other bank supporting payment through SBP). Payment will take place in several clicks (the amount and purpose of payment will be in advance filled).

The shop can select any option of use of the QR code for payment acceptance. The simplest — payment using the Tinkoff Oplaty form which when scanning the QR code phone from the screen of the computer or the tablet, automatically sends the buyer to the application of bank where it needs only to confirm transaction. Upon purchase from the smartphone, the user selects payment through SBP, and transaction is made out by a similar method using the Tinkoff Oplaty form.

The second option — payment through the static QR code. For example, in the form of a sticker which goes to the client by mail or it is glued in a cash zone of offline store. In this case the buyer himself enters the amount, necessary for payment, in the application of bank. It is convenient to use such format in small shops, for payment of services of housing and public utilities, in a courier delivery, the taxi or in work of charitable foundations for payment acceptance.

One more option of use of the QR code assumes the maximum integration of function — through the protocol of interaction of API. It suits large retailers, insurance, broker and other companies, it is important to them to use own interfaces, to quickly process a large number of transactions and to automate return function.

If the buyer requests return, the seller can issue easily it in several clicks in a personal account. It is only necessary to enter the amount and to select payee bank of payment. In case of use of more difficult integration, this function is automated.

For August, 2020 payments through the QR code in SBP support large banks of the Russian Federation.

Simplification of connection of the Apple Pay and Google Pay for clients of Internet acquiring

On July 17, 2020 Tinkoff Bank reported that the acquiring service Tinkoff Oplata simplified connection of payment services of the Apple Pay and Google Pay to payment forms on the websites of online stores. Now clients of Internet acquiring will be able to connect services to the e-commerce to platforms in several clicks — Tinkoff automated process which required direct integration into the Apple Pay and Google Pay earlier.

Connections of the Apple Pay and Google Pay in Tinkoff Oplata service

As noted in Tinkoff Bank, use of payment services of the Apple Pay and Google Pay in online stores allows buyers not to enter data of cards and to confirm payments using the password, a fingerprint or FaceID — such simplified diagram increases conversion of purchases on the Internet by 20-30% (according to analysts of Tinkoff of Payment).

According to the statement of the developer, for July 20202 years connection of the Apple Pay and Google Pay through Tinkoff Payment by free of charge and well any SP and to the companies, including:

• to individual entrepreneurs who sell goods or services in social networks and accept payment according to links through a special payment form
• to small business which accepts payment via the website
• to medium and large business which works with different channels of payments.

It is possible to connect service in a personal account of the client of Tinkoff of Payment, having selected the necessary service — the Apple Pay or Google Pay, or both are at the same time. Clients do not need to download, set and pay access to a special application of Apple or Google for developers any more, it is not necessary to receive additional certificates and to carry out additional integration. Clients can also download and set widgets of the Apple Pay and Google Pay, the solution designer emphasized.

To connect Internet acquiring from Tinkoff Oplata it is necessary to leave the request on the website, to specify data of the company and to configure a payment form. The Tinkoff Oplata service also offers connection of the Apple Pay and Google Pay to mobile application of the client — in Tinkoff Oplata the special set of development tools (mobile SDK) that developers of clients could embed comfortable canals of payment in mobile applications is developed.

"Payment of goods in online stores via the Apple Pay and Google Pay — the service best-selling at buyers, especially at advanced users. By our calculations, availability of the Apple Pay or Google Pay increases conversion of purchases in e-commerce to 30% therefore merchants which do not have these service unambiguously lose clients. We automated and simplified connection of the Apple Pay and Google Pay for clients of Tinkoff of Payment — it can be done quickly in a personal account. It is not necessary to register and pay the account of the developer any more, to potter with settings of certificates, etc. — only two clicks and the Apple Pay or are connected by Google Pay", 'Sergey Khromov, the vice president, the chief of the department of payments and transfers of Tinkoff noted'

Start of service of a refund at payment on QR through SBP

On March 31, 2020 Tinkoff announced expansion of an opportunity for the clients within the System of fast payments: now they can perform return of money for purchase which payment was made through the QR code in retail and the online stores connected to SBP.

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To return money for goods or service, the client needs to address to outlet in which purchase, with documents for return was performed (the check, passport data and so forth). After that the shop connected to Internet acquiring of Tinkoff will return money for a customer account for several seconds.

Through SBP from December, 2019 to March, 2020 several tens of thousands of people used Tinkoff service for QR payment already. But QR payments are popular with our clients for a long time — we were one of the first banks in Russia who started service of QR payment at himself in mobile application, to SBP. Sale of the mechanism of a refund into the account through SBP will help further distribution of this payment method among outlets and to growth of popularity of such payments at clients, comments Sergey Khromov, the vice president, the chief of the department of payments and transfers of Tinkoff

2019: Free setup of Internet acquiring on the websites of clients

On October 21, 2019 Tinkoff Business announced start of a pilot project within which specialists of the company will help clients to configure with the checking account integration of the website with internet-acquiring Tinkoff.

Employees of Tinkoff will independently establish a payment method on the client's website - regardless of whether it is made on one of the supported CMS or with connection of external scripts. Connection of Internet acquiring will be relevant for SP and the companies which have no own development team or an opportunity to perform technical tuning of the website independently.

Specialists of Tinkoff will also help with connection of online cash desks. For October, 2019 Internet acquiring of Tinkoff is compatible to solutions Orange Data, CloudKassir Komtet, Ecom, Бизнес.ру Online Checks and ATOL Online.

Tinkoff Business provides Internet acquiring for small and medium business since 2016. For October, 2019 over 10,000 clients use this service already. Key advantages of Internet acquiring from Business Tinkoff: stable high-quality processing, the round-the-clock customer support and payment acceptance from any countries not only on bank cards, but also through Tinkoff.ru, the Apple Pay and Google Pay.

Volumes of cashless payment considerably grow — to people conveniently to pay online of purchase and service. It will be impossible to provide business soon without an opportunity to carry out payment online. We decided to undertake all difficulties of setup of Internet acquiring that our clients did not waste on it time and money, told the vice president of Tinkoff, the director of Tinkoff Business Fedor Bukharov