YuKassa (formerly Yandex.Kassa)

The operator of the YuKassa service is the company LLC NPO Yandex.Money, owned by Sberbank, the service is part of its ecosystem (Sberbank Ecosystem). UKassa helps companies accept online payments and offers other solutions that are useful for entrepreneurs. YuKassa supports about 20 ways to accept payments via the Internet. Among them are cards of Russian and international payment systems, electronic wallets, Apple Pay and Google Pay, internet banking and more. YuKassa allows you to sell goods and services on credit with instant registration via the Internet, as well as conduct online settlements between legal entities - through the B2B payments service. In addition to payment options, YuKassa has a Business Market that contains partner offers:  an anti-fraud system for protecting against Internet fraud, a contextual advertising management service for promoting goods and services on the network, and much more. Today, more than 120 thousand sites are connected to YuKassa.

2024

Optimization of payment analytics in your personal account

YuKassa has improved payment analytics in its personal account. Updates will help you better understand buyer behavior and make the right management decisions. This was reported to YuOney on October 1, 2024.

The analytics section is popular with users, we regularly receive feedback or questions about its functionality. The updated service will help you even better organize work with data in your personal account. Now all key indicators will be available on the start screen, and additional ones in just a couple of clicks, "said Viktor Budashov, product manager at YukAssa.

In the updated section, the appearance of the graph has changed - it has become more convenient to analyze data both from a computer and from a phone. In addition, among the key indicators there is now an amount of commissions, it can be compared with revenue or average check and track the dynamics of all important values ​ ​ in comparison with previous periods. In the details of payments, you can see in a visual chart format which payment methods or payment systems are the most popular among buyers. You can customize the display of charts based on the amount of payments and the number of transactions.

The updated analytics will be available to all users of YuKassa's personal account until the end of 2024.

Optimizing the process of connecting the payment method with electronic certificates for online sites

YuKassa has improved the process of connecting the payment method with electronic certificates for online sites, which, among other things, sell technical means of rehabilitation or provide services for their repair. This was reported to YuOney on August 8, 2024.

Electronic certificates are an important tool for the provision of targeted social assistance by the state. We understand its significance and have made the connection more convenient for partners who work in this segment. Now, to connect to the online store, it is enough to integrate with YuKassa and finalize the transfer of product codes that will be paid for by the certificate. Integration with the National Payment Card System and sending the necessary data to check the possibility of purchase, the service will carry out on its side, "said Taisiya Sukhodol, manager of B2B products of the fintech company YuOney.

An electronic certificate is a digital form of providing measures of state support for citizens, which allows citizens to independently purchase certain types of goods, works and services using the Mir card at the expense of budgets if there are appropriate grounds, including technical means of rehabilitation or services for their repair.

To make a purchase using an electronic certificate on the Internet store website in the payment form of the service, you must select payment with an electronic certificate and enter to data maps which the certificate is linked. If there is not enough money on the certificate to buy, the surcharge will be debited from the Mir card to which the certificate is tied. When the goods are returned, the money is returned to the electronic certificate. If, when buying, part of the money was debited from the linked card, the amount of the surcharge will be returned to it.

2023

Service of payments on Public services

Payments of Kartamirossian banks, as well as the SberPay method, are now served by YuKassa on Public services. This was announced on July 18, 2023 by YuOney.

{{quote 'One of our main tasks is to make online payment for public services as convenient as possible. The payment acceptance service UKassa meets the high standards that are necessary to work with state payments. At the end of 2022, the SberPay method became available in the application and on the Public services portal through the YuKassa service so that all users with Sberbank cards could pay in a couple of clicks without entering card data. For July 2023, the YuKassa service has expanded the range of payment opportunities. Now payments with cards on Public services are also served by YuKassa, which allows you to pay quickly and conveniently with cards of various Russian banks and payment services, "said Ekaterina Laskova, head of business development at YuMoney. }}

Payment of public services through YuKassa is available to individuals registered on gosuslugi.ru. According to the portal, as of July 2023, there are more than 100 million of them.

Connection of payment by QR in offline stores with Atol cash registers

Offline stores that have an ATOL checkout can now accept payments using a QR code through YuKassa. YuOney announced this on May 31, 2023.

A store with a settlement account in any Russian bank can connect payment using a QR code - only the cash desk and a little time are needed. The entire connection process takes place online and takes one day. The connection instructions are published on the YuKassa website.

YuKassa is known as a service for accepting payments in. Internet But we also service offline payments - our customers can accept payment using a QR code. People have become much more likely to pay in this way. Conveniently, the buyer does not have to have with him. bank card To pay, you need to point the camera at smartphone QR code and confirm the operation in the application of your bank, "said e-commerce Nikita Savelyev, head of the YuMoney department.

Payment by QR code allows stores to save on acquiring: the commission for business is 0%, 0.4% or 0.7% - depends on the category. There is a quick integration into cash software, money can be credited to the seller's account in any Russian bank.

Available on Sigma 5, Sigma 7, Sigma 8, Sigma 10 and Frontol version above 6.17, Frontol xPOS version above 3.1.

Payment provider at EPGU

On May 3, 2023, YuMoney announced that its YuKassa service had become a provider of payment of bills, fines, taxes and state duties on the Public services portal.

The connection of YuKassa to the Public services took place in two stages. In November 2022 application , they launched in and on the portal so SberPay that users can pay in a couple of clicks without input. data maps Now payments with cards of various banks and payment services have also become available on State Services. Owners from maps "Mir" YuOney can Sberbank pay on Public services with maximum benefit - the fee for payment will be only 0.69%.

Connecting the Public services to YuKassa showed the demand for SberPay. More than 27% of all payments - taxes, bills, fines and state duties - fall on this method. Users appreciate it for its convenience and simplicity. And the launch of bank card payments showed us that, in terms of speed, it's not just seconds - milliseconds that matter to the user. The world has accelerated, and we are trying to maintain this rhythm and get ahead of it, "said Ekaterina Laskova, head of business development at YuMoney.

YuKassa offers acquiring both online and offline. As of May 2023, more than 180 thousand stores and sites are connected to the service. The reliability of payments is ensured by the stability of the system: its operation time without failures and overloads reaches 99.97%. This is one of the highest performance in the market.

As a payment service for "Parking Russia"

YuKassa has become a payment service for parking in Moscow and St. Petersburg. Now payments in the Parking of Russia application for Android, iOS and HarmonyOS and on the parking.mos.ru website go through YuKassa. This was announced on March 22, 2023 by YuOney. Read more here.

Ability to accept payment by QR code in 1C programs

YuKassa (a service for receiving online and offline payments from the fintech company YuOney) provided its customers with the opportunity to accept payment by QR code in the programs of 1C, which announced this on February 15, 2023. This is beneficial for sellers, and convenient for buyers: the former will be able to save on acquiring, equipment and its maintenance, and the latter will quickly pay for purchases with a smartphone by scanning the QR code.

YuKassa is known as a service for accepting payments on the Internet. But we also service offline payments - our customers can accept payment using a QR code. Now a convenient payment solution is available in 1C programs. This method of accepting payments can help entrepreneurs reduce costs and increase sales efficiency. To connect the receipt of payments using the QR code from YuKassa in 1C programs, you do not need to open an additional settlement account with us. The money will be credited to the current current account of the client, - said Nikita Savelyev, head of the e-commerce department at YuMoney.

YuKassa customers can not only accept payments using a QR code in 1C programs - you can also make returns and reconcile settlements.

The QR code payment service from YuKassa is available in 1C: Our Enterprise Management, 1C: Retail and 1C: Accounting. The list of programs is planned to be embroidered. Payment by QR code allows entrepreneurs to save on acquiring - said the head of the 1S:ITS department Lyudmila Golitsyna.

At the time of purchase, the 1C program will itself form a QR code for each transaction. The seller can display the QR code from the 1C system on the computer screen, show the QR code from the display at the checkout or on the account. You can also send a QR code by email or SMS. When the buyer pays for the product or service in the mobile application of his bank, the money will be instantly credited to the seller's account.

The ability for the self-employed to accept payments using a QR code with a commission of up to 0.7%

The self-employed in YuKassa have the opportunity to accept payments using a QR code with a commission of up to 0.7%. Previously, this payment method was available only to individual entrepreneurs and legal entities. YuOney announced this on January 17, 2022.

To pay for a product or service, the buyer needs to choose a payment method on the self-employed website or by link, scan the QR code and confirm the payment in. application bank

The self-employed can simply send the client a link to the product that is posted on the site or on the social network, and the buyer will pay for it in a few clicks. The self-employed can also connect the automatic formation of checks so as not to create them manually, "said Nikita Savelyev, head of the e-commerce department at YuMoney.

The self-employed can add this payment method to their website created on CMS. And if there is no site, you can invoice from your personal account of UKassa - you need to send a link to the buyer, he will follow it and choose a convenient payment method. The buyer can pay up to a million rubles at a time using a QR code.

The self-employed, who are connected to UKassa, can also accept payment with bank cards, a YuOney wallet, through SberPay and other methods. When buyers have access to these payment methods, they trust the seller more: they don't need to transfer money to a card for a stranger.

2022

Launch of automatic check service for self-employed

On September 27, 2022, YuKassa announced the launch of an automatic check formation service for the self-employed. With this service, self-employed people who work with YuKassa do not have to create checks in the tax office every time and send them to their customers.

After connecting the service, checks will be sent to the tax office automatically if the payment passes on any site designer with which YuKassa has integration. In addition, the service can be used if payment occurs through the billing service, or the self-employed has integrated the widget for himself. This can facilitate the workflow for the self-employed and will allow them to spend less time on routine tasks, - said Dmitry Karmishin, commercial director of YuMoney.

This option can also help the self-employed save time on sending letters or SMS with a check to customers. For the payer, this is also more convenient - he will receive a check much faster than if the self-employed created a check in the tax office.

Also, YuKassa increases the limit of payments that a self-employed can accept up to 500 thousand rubles a month. At the same time, the annual income from all sources remains the same - no more than 2.4 million rubles.

You can connect to the YuKassa service for the self-employed for free. A fee of 1% (+ VAT) for the use of Check Auto-Sending Services is charged for each check sent.

With the help of UKassa, the self-employed can accept online payment in many ways. According to analysts at YuKassa, bank cards remain the most popular method - in the first six months of 2022, their share was 93%.

Growth in the turnover of payments from self-employed in the first half of the year by 72%

For the six months of 2022, the number of people who officially work for themselves and accept payment through UKassa increased by 52% compared to the same period in 2021. At the same time, the turnover of payments increased by 72%, and the number of purchases - by 70%. These conclusions were reached by analysts at YuKassa, having studied the data on payments of the self-employed who use this service from January to June 2022 and 2021. YuOney announced this on July 14, 2022.

Since 2019, according to the Federal Tax Service, 5 million people have already registered as self-employed, their average age is 35 years. Every year the role of the self-employed and the increase in their contribution to the development of the country's economy is growing. More and more Russian companies regularly cooperate with the self-employed. Among the main advantages of business: reducing the tax burden, simplicity and speed of paperwork, transparency and legality of payments, optimization of costs. But self-employed, one of the main trends in 2022 was diversification - part-time work in two or more categories, - said Oksana Korobkina, director of corporate business at the fintech company YuMoney.

In the first half of 2022, the self-employed, who are engaged in the production of audio and video content and design services, had the largest turnover of payments. In second place are self-employed, providing educational services (master classes and trainings), the third position is occupied by sellers of souvenirs and accessories. Sales of clothing and shoes are in fourth place, and in fifth place - the provision of information and consulting services. In 2021, there was a similar situation in terms of turnover, but fifth place was noted in the category of personal services.

The largest increase in the number of self-employed in the field of master classes and trainings is five times. 3.1 times more self-employed, which provide integration and maintenance of various software. In third place are entrepreneurs selling children's goods and toys, and in fourth place they provide information and consulting services. Their growth was 2.4 times and 2 times, respectively. The top five were closed by self-employed people who organize leisure and entertainment events. Their number increased by 70%.

Most of all, customers paid self-employed for repair services for various equipment - an average of 17,783 rubles. This is 4.1 times more than in the first half of 2021. The average check has also grown noticeably among the self-employed, who work in the following categories: couriers - by 95% (up to 676 rubles), promoters - by 64% (up to 1551 rubles), florists and sellers of flowers and plants - by 44% (up to 2244 rubles), gamers who sell in-game items - by 42% (up to 285 rubles).

The most popular method of payment for goods and services self-employed is still bank cards. In the first half of 2022, their share was 93%. With the help of YuKassa, the self-employed can accept online payment even without their own website - through the billing service, by e-mail, SMS or in instant messengers. This payment method accounted for 4% of all payments. The rest of the users paid with a self-employed wallet to YuOney. In 2021, there was almost a similar distribution by payment methods.

As part of the solution from Sberbank for online trading

Sberbank on July 13, 2022 announced the launch of an Internet trading solution for entrepreneurs selling on marketplaces, their own website or in social networks. The solution includes tools for accepting online payment from UKassa. Read more here.

Availability of receiving payment offline using a QR code in the SBP

Customers of YuKassa (service) YuMoney have become available to accept payment offline using the QR code. Express Checkout This method can become an alternative to the departed "sands." YuOney announced this on July 12, 2022.

It is profitable for sellers to accept payment using a QR code - this method connects online in one day, and the commission, depending on the category of business, is reduced to 0.4% or 0.7%. In addition, you do not need to open a settlement account and spend money on the purchase of terminals, which allows you to significantly save money - this is especially important for representatives of small and medium-sized businesses. And for buyers, this payment method allows you to pay instantly, without using a plastic bank card.

After leaving the Russia "peys," this method of contactless mobile payment rapidly grew in popularity. So that YuKassa customers have an alternative Apple Pay and, Google Pay we decided to give them the opportunity to accept payments offline using a QR code. Despite the fact that such a payment scenario requires confirmation of payment in, it is application bank fast and convenient for users. And it allows businesses to save on acquiring and equipment for accepting payments, - said Dmitry Karmishin, commercial director of YuMoney.

This method of accepting payments using instant mobile payment has already been appreciated by beauty salons that work with the client YuKassa, the platform for business automation in the services sector YCLIENTS.

We note high demand for the product. As of July 2022, more than 600 beauty salons are connected, more than a thousand more are in the process of connecting. Among the clients of YCLIENTS and YuKassa, there is already a leader in turnover - in one of the beauty salons for the month of receiving payments using a QR code, the share of this method was 30% of the total number of payments. This is more than half a million rubles. The salon has already saved about 10 thousand rubles on acquiring, - said Aurika Vilardi, Marketing Director of YCLIENTS.

After launching this method of accepting payments, the YCLIENTS platform received more than three thousand applications for connecting the payment module. Over the last week of June, the share of payments by QR codes offline amounted to 24% and the figure continues to grow.

Availability of payment with cards linked to "Sber ID"

A simplified payment scenario has become available to customers of online stores YuKassa - now they can pay with any cards linked to Sberbank ID. Previously, this opportunity was only in online stores served by Sberbank. This was announced on June 9, 2022 by YuOney

As of June 2022, the method is connected to several large stores - YuKassa customers. It will soon be available to everyone.

Buyers will be able to pay faster: you no longer have to enter card details, it is enough to log into your Sberbank ID profile in a few seconds. And for a store, such a payment method can help increase the number of successful payments.

Russian users are used to paying without entering card data. The service will help preserve this experience even after the previously popular payment methods leave Russia, - said Oksana Korobkina, director of corporate business at fintech company YuOney.

Sberbank always strives to provide the best experience to its customers, so it is constantly working to improve services. The technology of linking a card to Sberbank ID saves you from entering card data at each purchase. We take care of our clients, so we offered them a solution to how to reduce time costs for routine tasks, - said Dmitry Malykh, director of the Acquiring division of Sberbank.

Sberbank ID provides a simplified entry into the services of the Sberbank ecosystem and its partners. You can link bank cards to Sber ID.

To pay for purchases without entering data, the user needs to log in through the Sberbank ID by clicking on the button on the order payment page. After that, you can pay for the order with one of the cards linked to the Sberbank IDs. During the next purchase, it will take a few seconds to pay for the item - you won't have to enter your card details.

Accessibility for visually impaired customers

On June 3, 2022, YuMoney announced that it had made its YuKassa payment form available to visually impaired customers.

Now people with visual impairment can independently pay using screen access programs (VoiceOver for iOS devices, TalkBack for Android, NVDA and others for Windows), which will voice all information on the screen and allow interaction with interactive interface elements, - said Dmitry Karmishin, Commercial Director of JMoney.

The YuKassa widget is a payment form that adapts to most devices. The payment process takes place right on the site - the widget opens in a pop-up window, you can pay with a card or wallet.

An adapted version of the widget is available to all payment form users. Companies that already use the YuKassa widget do not need to configure anything separately - availability will be provided by default.

In the process of creating this function, developers and designers were guided by the national standard for the availability of Internet resources for the visually impaired and the guide for the digital accessibility of Sberbank.

Providing an inclusive digital environment is one of the top priorities for app and site creators. According to the All-Russian Society of the Blind (VOS), in Russia more than 200 thousand people have a disability associated with visual impairment. In general, according to the Russian Ministry of Health, about 20 million Russians experience vision problems to one degree or another. Adaptation of the YuAssa widget allows blind customers to independently use it to pay with service partners.

Ability to accept payments using a reusable link

The billing service UKassa has the ability to accept payments using a reusable link. YuOney announced this on May 18, 2022. This is a convenient solution for those who sell the same goods or services at a fixed price.

The billing service allows UKassa customers to accept payments without a site. Previously, the invoice for the same product had to be re-invoiced each time. Now the account can be made reusable and quickly send one link or QR code to pay several buyers at once.

The reusable link is one of the easiest ways to accept payment for a business that goes online with a small set of goods and services. This option will be useful for small and medium-sized businesses, as well as self-employed people who sell master classes, educational courses and lectures, gifts for holidays with the same cost and seasonal goods. They often bill for the same orders - now it will become easier and faster, "said Dmitry Karmishin, commercial director of the fintech company YuMoney.

To create a reusable link, you need to check the box "Need a reusable account" in the top box when issuing an invoice in your UKassa personal account. The buyer will receive a link for payment in the form of a QR code or in text format. The link can be sent to anyone, messenger sent to email or by. SMS To find out who paid the link, the seller needs to go to the history of reusable account transactions.

Integration with Digital Cash Desk from Evotor

IT-company Evotor"" and payment provider YuKassa implemented seamless integration services - "Digital cash" from "Evotor" and payment instruments YuKassa. This was announced on April 13, 2022 by the company. YuMoney More. here

2020

Ability to accept payments with SberPay

From December 8, 2021, YuKassa provided online companies with the opportunity to accept payments using SberPay.

SberPay replaced payment through Sberbank Online. It has become easier to pay - you just need to press the SberPay button and confirm the payment. When paying from a smartphone, the Sberbank Online application will automatically open for confirmation, and those who pay from the desktop will receive a push notification on the phone. With this payment method, the card balance is displayed, so more buyers complete the payment.

The number of purchases smartphones using is growing, and Pay Payments are gradually replacing traditional bank cards. SberPay is a popular and convenient payment method that corresponds to the main trends in the payment market. The average check of a purchase using SberPay in YuKassa is 1627 rubles, which is more than other Pay methods and bank cards. Most often, this method is used in technological industries: to pay for services, goods with delivery, for payments on educational and gaming resources, as well as for donations, - said the CEO of YuMoney. Ivan Glazachev

We are actively developing cashless payment services. SberPay, which was launched in the fall of 2020, meets the requirements of the payment market and is gaining popularity both among users and partners. More and more of our customers shop online or pay with a smartphone. Using the service is also safe, since payment takes place inside the Sberbank Online application, the data is not transferred to the partner's services, "added Dmitry Malykh, director of the Acquiring division at Sberbank.

The SberPay method will be available automatically to current UKassa merchants.

The opportunity to work for free in online accounting Kontur.Elba "

YuKassa (formerly Yandex.Kassa) provides customers of Elba, the online accounting department of SKB Kontur, for free, as announced by the latter on December 1, 2020. This will save business time and reduce document management costs: Elba will automatically receive the necessary data from UKassa and draw up documents for tax reporting.

This opportunity is suitable for individual entrepreneurs on the "simplistic" and a single tax on imputed income (UTII). Kontur. Elba allows you to send reports to regulatory authorities and pay taxes, receive letters and requirements from the Federal Tax Service, check with the tax and use other tools. Online accounting creates documents itself - based on statements on the current account.

Nikita Savelyev, Head of E-Commerce at UKassa

{{quote "UKassa is constantly expanding opportunities for customers to help them solve a large number of business problems. Synchronization of the payment solution and online accounting will allow any business to optimize internal processes and reduce costs. }}

Contour. Elba is available on both computers and mobile devices - for example, you can bill customers literally on the go. In the first three months after the launch of this opportunity, the use of Elba will be free for UKassa customers.

Evgeny Ivanchenko, Head of Bank Relations in Kontur

One of the key problems of any business is to keep records and report to the state. For several decades, the Kontur have been create and improving services that allow entrepreneurs not to be distracted by routine tasks, but to engage in development. Synchronizing our services with payment systems further increases the speed of solving business problems.

Connecting the self-employed via TalkBank chatbot

On August 14, 2020, it became known that the resident Skolkovo"" TalkBank implemented the connection of the self-employed through chat boat the Yandex.Kassa service. More. here

Integration with CS-Cart

On June 2, 2020 Yandex.Money , it was reported that together Simtech with they launched a solution that combines CMS a system CS-Cart for marketplaces and a service. Yandex Cash desks for online sites. More. here

Launch a solution for marketplaces and online services

On May 22, 2020, it became known that Yandex.Kassa launched a special solution for marketplaces and online services that offer goods and services to sellers on their platforms. The service allows you to automatically distribute money between sellers whose goods and services the buyer will pay for in one online order. At the same time, the site itself will not have to issue payment orders and conduct money through its settlement account. The solution will help Internet sites control financial flows between buyers and sellers, as well as reduce document flow.

The service is suitable for any company that offers goods and services of different sellers - legal entities on its website or in the application. Usually such sites receive money from buyers to their current account, and then they themselves distribute it to partners. When calculating using a solution, the money does not go through the site, but immediately goes to the sellers' accounts. When using the service, Internet sites will be able to take a commission from sellers and determine its size themselves. Automatic payment distribution will allow companies to spend less time on document management and save accounting resources.

The service supports the ability to hold payments for up to 7 days so that money goes to the seller's account only after he fulfills his obligations to the buyer. The solution allows you to issue full or partial returns to buyers - transfer money back for all or only some items paid for in one order. In addition, the service will help optimally establish the process of issuing cash checks - and send them only to those sellers who need them to report to the Federal Tax Service.

The solution works with all Yandex.Cash scenarios - payment widget, Smart Payment service, mobile SDK for accepting payment in applications. Using the service, you can accept payments from buyers in most ways available in Yandex.Cash. Among them are wallets in Yandex.Money, bank cards, Google Pay, Apple Pay, Internet banking, mobile number accounts and others. When calculating through a solution, there can be up to 100 products from different sellers in the site basket.

The e-commerce market is at a stage when the struggle for attention and trust of buyers is becoming more costly. Therefore, a trend is confidently developing to centralize sales through large sites - single brands, with the help of which different sellers interact with consumers. It can be a marketplace with thousands of stores or, for example, a site with goods and services of different legal entities that are part of the same holding. Having launched the solution, Yandex.Kassa responds to this trend and gives business the opportunity to work conveniently in the format 'one platform - many companies', - says Yulia Gorelova, Director of the Payment Business Development Department of Yandex.Money

B2B payments based on instant fuel account replenishment service at Opti 24

Sberbank, Gazprom neft"" and Yandex.Money"" launched functionality for corporate clients of companies - a service for quick replenishment of accounts. The service can be obtained on the basis of a personal account on the Opti-24.com website, the functionality allows you to instantly replenish the fuel account of a corporate client from a bank settlement account. This was announced on May 21, 2020 by "oil Gazprom."

The basis of this decision was the joint service "B2B payments" from Sberbank and Yandex.Cash, which allows entrepreneurs to pay orders in a matter of minutes by analogy with buying in online stores. Read more here.

To start the Return Client option

On May 13, 2020, Yandex.Money reported that Yandex.Kassa will now help online stores attract customers who were interested in goods to their sites, but for various reasons did not complete the purchase. To do this, the service launched the "Return Client" option. With its help, sellers will be able to send push notifications to users to remind them of forgotten purchases. With "Customer Return" you can achieve sales growth of up to 5%.

According to research by Yandex.Cash and RAEK, low conversion of site visitors to buyers is one of the three most frequent problems faced by Russian business online. Every third entrepreneur declares it, for 10% this problem comes first.

{{quote 'author = says Oksana Korobkina, commercial director of Yandex.Deneg.|"Customer Return" is another way Yandex.Kassa will help online stores support sales. For small and medium-sized companies, every buyer is important, and our solution is especially important for them, }}

The presented option works through the open Yandex.Cash protocol. Thanks to this, any online platform will be able to implement "Client Return" in the current scenarios of its site without complex settings.

Yandex.Kassa launched an option together with its partner, the Push4site push message service. "Return of the client" allows you to send push messages for free to users who have already issued, but forgot to pay for the order. With the connection of this solution, companies will also be able to use other Push4site services designed to attract buyers for free for two months. The option is available for online stores running on any of the more than 50 popular CMSs with which Yandex.Cash integrates.

To connect "Client Return," you need to go to your personal account on the Yandex.Cash desk website, open the additional options section, select push notifications and click the "Connect" button. If the online store is already working with another service for returning users, Yandex.Kassa will not ask to connect to the Push4site, but will offer the company a scenario for integrating "Return of the Client" into a personal account with an already used solution. Integration is carried out through the payment solution API. Documentation about the option can be viewed on the Yandex.Cash website. To do this, open the section "Developers," and then - "Partner Program."

Launch the Pay-Upon-Receipt Delivery Business Service

and Yandex.Taxi Yandex.Kassa launched a service for business - organization of delivery with payment upon receipt. This will allow stores to Internet deliver orders thanks to the infrastructure Yandex.Taxi and accept payment on the spot through Yandex.Cash when the goods are in the hands of the client. At the same time, cash or a payment terminal will not be needed - the buyer will be able to pay through his own by smartphone clicking on the payment form To the QR code or link in. SMS This service will help companies work with those who prefer to pay for online purchases only after receiving, and for users - when delivering, pay for orders in a variety of ways: from wallets in Yandex.Money to, and. bank cards Apple Pay Google Pay This was announced on May 12, 2020. Yandex.Money

Among the buyers of online stores, there are many who prefer to pay when receiving an order. For such cases, the company usually issues terminals to couriers to accept payments with bank cards. But if courier delivery works on, it outsourcing can be difficult to organize the reception of online payment on the spot. Our solution will help stores ensure delivery thanks to the Yandex.Taxi infrastructure and at the same time provide customers with the opportunity to pay online when receiving an order, "says Yulia Gorelova, head of the payment business development department at Yandex.Deneg.

The service presented is suitable for businesses of any size. For large online stores, this is a reliable and most often more profitable solution than its own courier service. And those who only come out with online sales will not have to hire couriers and worry about the quality of delivery. All delivered goods are insured, and couriers arrive for orders 4-5 minutes after the call, says Evgeny Sinelnikov, head of the B2B direction of Yandex.Taxi.

The joint service Yandex.Cash and Yandex.Taxi works simply. The buyer chooses goods in the online store, and then - delivery with payment upon receipt. The seller then calls the courier through Yandex.Taxi's personal corporate account.

If the store integrates its application with Yandex.Taxi through the API, the delivery order will occur automatically immediately after the user makes a purchase. Then the courier takes the goods in the store, delivers them and in his smartphone requests a payment link from Yandex.Cash - to his phone in the form of a QR code or to the buyer's phone in the form of an SMS message. The client scans the QR code with his smartphone or follows the link in SMS. In both cases, the Yandex.Cash payment page will open in his phone, on which you will need to choose a convenient payment method and confirm the payment.

The online store will be able to choose for itself what methods to accept online payment upon delivery. Various methods of calculation are available in Yandex.Cash, among them - wallets in Yandex.Money, bank cards, mobile number accounts, Internet banking, Apple Pay, Google Pay and others.

The geography of the service for May 2020 is about 400 cities of Russia. From stores that connect this opportunity, Yandex.Kassa will take a commission for accepting payments, and Yandex.Taxi - payment for delivery. You can connect the service on the Yandex.Cash website. If the company is already working with a payment solution, you need to contact the Yandex.Cash manager.

Reduced commission to 1% for companies that sell socially significant goods

On April 10, 2020 Yandex , he announced that with the help of Yandex.Cash, companies will be able to set up a reception online payments bank cards from wallets Yandex.Money with a commission of 1%. The service will establish such a percentage from April 15 to September 30, 2020 in accordance with the solution to Central Bank RUSSIAN FEDERATION support online business. This opportunity will be available to any companies that sell socially significant goods - for example, food and products, medicines, clothes. Reducing the commission in Yandex.Cash will help a business that operates online to adapt to the changed market conditions. e-commerce

With a decrease in the commission for accepting online payment with cards and wallets, it will be easier for companies to support sales via the Internet. For those who are just planning to go online, this opportunity will also be a good help. And Yandex.Kassa will provide business with comprehensive support. As of April 2020, more than 120 thousand companies are working with us, and we will use all our capabilities and accumulated experience to help business in the current conditions, " says Oksana Korobkina, commercial director of Yandex.Money

Companies that sell food and food, medicines and other medical products, clothing, consumer goods, household appliances, electronics and communication devices will be able to set up the reception of payments with cards and from electronic wallets through Yandex.Kassa with a commission of 1%. According to the decision of the Central Bank of the Russian Federation, in the case of sellers of equipment, the reduced commission will be valid only for checks in the amount of up to 20 thousand rubles.

It will be possible to connect the reception of online payment with a 1% commission on the Yandex.Cash website. After that, the company will be able to accept online payments from wallets in Yandex.Money and any bank cards, including through contactless technologies Apple Pay, Google Pay.

Launch of the technology for accepting payments using auto-updated data of Visa and Mastercard cards

On April 9, 2020, Yandex.Money"" announced the launch of technology for business - accepting payments on auto-updated card data Visa and. With Mastercard its help, companies will be able to reduce the number of refusals when accepting payments from expired, lost or blocked cards.

The Yandex.Cash service works on the basis of tokenization technology, automatically checks the relevance of the saved card data, updates them if the buyer has issued a new card, and makes a payment. The solution will help companies that accept subscription or one-click payments keep regular buyers.

According to Yandex.Cash, Russian online companies receive a total of about 100 million rubles every month due to rejected payments from overdue, lost or blocked cards. About half of this amount falls on expired cards.

Accepting payments based on auto-updated card data works simply. When a buyer binds a card at the first settlement, Yandex.Kassa exchanges its data from Visa or Mastercard for a special token. With further payments, Yandex.Kassa checks the card with the payment system by token. If the client reissues the card, the information about it will be automatically updated and the payment will be successful.

Payment for tokens is already actively used the European Internet by -magazines. Yandex.Kassa is the first service to offer this opportunity to Russian business. With our service, companies that accept subscription payments or in one click will be able to reduce the number of refusals when calculating from expired or, for example, lost Visa or Mastercard cards, which means to increase profits. - says Yulia Gorelova, Director of the Payment Business Development Department of Yandex.Kass.

Yandex.Cash is suitable for companies and organizations of all sizes and directions. In the case of subscription payments, it can be an operator, mobile communication provider pay TV, home, Internet online movie theater ad service,,, computer programs hosting loan repayment, charity or crowdfunding platform. Payment in one click by linked cards is usually accepted by online retailers, game services, food delivery applications or, for example, taxi orders.

Companies won't have to pay an extra fee to use the service. For payments under tokens in Yandex.Cash there are the same limits as for payment with bank cards. Yandex.Kassa has already included the service to some stores and will later connect it to all partner sites.

The ability to accept online payment through "B2B payments" to a current account in any Russian bank

On February 17, 2020, Sberbank announced that, together with Yandex.Cash, it had expanded the capabilities of the B2B payments service for online settlements between legal entities. Previously, it was available only to companies that have accounts with Sberbank. Now such an account will only be needed by the buyer of goods and services, and the seller will be able to accept online payment from corporate clients to a current account in any Russian bank.

You can connect "B2B payments" through Yandex.Cash. With the help of the service, sellers will be able to accept online payment from all customers of the Sberbank Business Online Internet bank, which is more than 2.5 million companies.

To pay, select an item or service on the seller's website and click the "Pay through Sberbank Business Online" button, then select a method authorizations and confirmation of payment - using - SMSpassword or a token. You do not have to enter the seller's details - they will be automatically added to the payment order. Immediately after payment, the seller will receive a notification information about the buyer's legal entity (for closing documents). After that, the seller will be able to ship the goods or provide the service, without waiting for the money to come to his account or when the buyer sends a payment order.

Thus, "B2B payments" can reduce the calculation period between legal entities from 1-3 days to 1-3 minutes, speeding up the work of accounting and helping to increase sales.

The ʺV2V - platezhiʺ service turns over the usual ideas about payment for goods by legal entities. The online purchase process for business becomes the same as that of an ordinary user of an online store: the client simply chooses the desired product and method of payment, presses the button and ends up in an online bank, where he sees an already filled payment order to pay for the purchase. It remains only to sign and send a payment, and the store immediately learns about the fact of payment. Previously, only Sberbank customers could use this service and assess its advantages. Now the service allows you to quickly pay for goods and services with any other company that accepts B2B payments through Yandex.Cash and has accounts with other banks, noted Sergey Parshikov, Managing Director of the Digital Corporate Bank Division of Sberbank

Even large industrial companies, which are traditionally considered offline business, go online with sales. They build sales via the Internet, and they need convenient tools for online calculation. Over the past year, the share of payments between legal entities in e-commerce has grown by more than 50%, and this trend will develop, noted Oksana Korobkina, Director of the Commerce Department of Yandex.Money

Sberbank and Yandex.Kassa launched B2B payments in October 2018. The average amount of payment through the service for February 2020 is 26 thousand rubles. Among the customers of B2B payments are mobile operators, retailers, IT companies, including MTS, OZON.travel, My Agent, Nethouse, NetByNet and many others. The potential audience of B2B payments is all Russian organizations working with corporate clients.

2019

The highest amount for contactless payments in Yandex.Cash - 19900 rubles in Moscow

Contactless payment through Apple Pay and Google Pay on sites or in applications is accepted by 19% of companies using Yandex.Cash. In some product categories, the average check for contactless payment is noticeably more than for payment in other ways - for example, in clothing and footwear stores it is 5 times higher. This was announced on February 12, 2020 by Yandex. Yandex.Cash analysts came to such conclusions by comparing payments for 2019 on sites and in applications through Apple Pay, Google Pay and other methods.

Шаблон:Quote 'author = says Oksana Korobkina, director of the commerce department of Yandex.Deneg.

Most often, contactless payment in Yandex.Cash is connected by companies that sell food - 24% of them accept payments through Apple Pay and Google Pay. In other categories of goods and services, the share of sites and applications using contactless payment services is slightly less: tickets to films, theaters, museums and concerts - 23% of venues, souvenirs and hobby goods, trainings and master classes, beauty and health products - in each category 20%, clothes and shoes - 18%, car parts and accessories - 17%, home and garden goods - 16%.

Among the Russian sites connected to Yandex.Cash, the largest turnover of contactless payments was in 2019 from online electronics and household appliances. This is an all-Russian trend. An exception is Moscow, where the leaders in this indicator were services that sell tickets to films, theaters, museums and concerts. In Russia, such sites occupy the second place in terms of contactless payment turnover.

In 2019, the largest average checks for contactless payment were on sites with construction and design services - 9766 rubles. The amounts when paying with cards, through Internet banking and other methods were 3 times less - an average of 3202 rubles. In second place in terms of the average check were hotel and hotel booking services (9579 rubles for contactless payment and 5068 rubles for payment by other methods). In online clothing and footwear stores, the average check for contactless payments was 5 times higher than in other cases - 5759 against 1123 rubles.

In Moscow, the highest average check for contactless payments was in 2019 on websites and applications from the field of tourism and recreation (19,900 rubles). In Ufa, the leaders in this indicator were online platforms that sell clothes and shoes (8103 rubles), in Voronezh and Perm - the websites of credit institutions (10,539 and 5,263 rubles, respectively). In other million-plus cities, the maximum average checks for contactless payment were on hotel and hotel booking services, as well as in household appliances and electronics stores.

Payments on sites and in applications that work with Yandex.Cash were taken into account. Compared data for 2019 on payment through Apple Pay, Google Pay and other methods. With the help of Yandex.Cash, payments are accepted by more than 120 thousand companies.

Online Payment Service for Business

On August 23, 2019, it became known that Yandex has developed a service that selects the payment scenario and methods of online payment, depending on the features of the business. Now the entrepreneur does not need to guess what is best for his clients - Yandex.kassa itself will advise the payment methods and scenario optimal for a particular business.

The service evaluates the business according to different parameters and, depending on them, offers one of ten options. For example, if the average check is more than 3 thousand rubles, Yandex.kassa will offer to set up online lending, and if there is an application for smartphones and tablets, add payment acceptance using the mobile SDK to it.

You can get tips even before connecting to Yandex.kass. To do this, on its website you need to answer simple questions that will help you understand the format of the business. They relate to a variety of parameters - the development resource (there are no developers, there is one or a whole team), business areas (physical or digital goods, online service or services), the average check (more or less than 3 thousand rubles) and much more.

As of September 2019, Yandex.kassa has more than 106 thousand customers - from the largest marketplaces to individual entrepreneurs without their own website. The accumulated expertise made it possible to identify the most suitable methods of accepting payments for different types of business. Our presented service selects the most efficient methods of connecting online payments in terms of resources and results, methods of receiving payments and in some cases even distribution channels. Medium and large companies with a staff of developers will receive one offer, and a small business without expertise in technology - another. And in each case - the optimal,

Mobile app release for Android and iOS

On August 8, 2019, Yandex.Kassa announced that it had created a mobile application for Android and iOS. With its help, entrepreneurs will be able to enter the personal account of the payment solution through mobile devices. 25% of Yandex.Cash clients do this through a mobile browser. With this application, access to your personal account from smartphones and tablets will become even more convenient. It will allow you to view the payment history at any time, return the money to buyers, and in the future it will help you bill literally on the go.

In recent years, there has been a trend towards mobility in the online payment market - the number of purchases paid for from smartphones and tablets is growing. Business also has a demand for mobility - first of all, a small one. The Yandex.Cash application is primarily designed for companies in a small format. It will help entrepreneurs solve business problems anywhere - for example, at business meetings, on business trips, in their own office or at home. We will develop the application - and we are already planning to add customer billing, viewing sales analytics, and push notifications to it. We will be glad to hear from customers wishes for the development of the application - and we will try to take them into account,

The application is available to any client who is connected to Yandex.Cash and accepts payments using it. You can enter it using your login and password from your Yandex.Cash account. After that, the client will have access from a smartphone or tablet to various cabinet features. For example, he will be able to view the payment history of his online store and details of specific payments, find and filter payments by specified parameters. Other possibilities include switching between online stores if the client has several of them, showing a list of return requests, partial or full refunds to customers, sending a request to support or feedback to developers.

You can download the Yandex.Cash application for free on Google Play or the App Store. You don't need to pay for its use either.

Buying a car with delivery through Yandex.Cash

On July 18, 2019, Yandex.Money reported that a resident of Yekaterinburg was the first in the country to pay via the Internet and received a car with home delivery - Renault ARKANA worth about 1.5 million rubles. This became possible thanks to the cooperation of Yandex.Kassa and the Russian online showroom Renault: Kassa implemented the scenario of full online payment for cars on renault.ru. Sales on the Renault website started for the whole of Russia, the purchase itself is as simple as in any other online store: it is enough to choose and then pay for the car - and it will be delivered to the specified address. If desired, before online purchase, a person can also order a test drive of a car at home.

Previously, with the help of Yandex.Cash, users could only make an advance payment for a car in the Renault online showroom. But then you had to come to the car dealership and pay the remaining amount. Now a person can pay for the purchase in full online and get a car with delivery. Ordering and paying for the car has become as easy as pizza, 'says Dmitry Karmishin, Deputy Commercial Director of Yandex.Cash '

The joint project of Yandex.Cash and Renault for the sale of cars via the Internet is the first of its kind in Russia. On the Renault website, you can buy any Renault model, including ARKANA in all trim levels. Yandex.Kassa will help pay for the order with any bank card.

Accept Business Profile Payments

On July 16, 2019, Sberbank announced that, together with Yandex.Money, it had restarted the online B2C- and B2B payment service for entrepreneurs. The updated service is called the Business Profile. It allows you to create a company website in a few clicks. Read more Here.

Ability to add online payments through WeChat Pay for online stores

On June 25, 2019, the company Yandex"" announced that with Internet the help of Yandex.Cash stores and other online services can now add payments to their sites through. WeChat Pay This is a payment service that works like an electronic wallet based on the popular one. Chinese messenger WeChat

This opportunity is suitable for any online business that already works or plans to work with customers from China: services for selling tickets for trains and planes, tickets for excursions, theaters and museums, websites of travel companies, food delivery services, taxi orders, online stores, online training courses and many other sites.

Yandex.Kassa began to connect receiving payments through WeChat Pay to companies offline since the end of 2018. The service is popular in stores of Russian airports. Now companies that develop online sales and want to sell to Chinese tourists or enter the Chinese market can also accept payments through WeChat Pay.

{{quote 'author = says Ilya Sokolov, head of Asian payment business development at Yandex.Kassa|Previously, Yandex.Kassa worked with Chinese companies that focus on Russian buyers, and now also offers Russian businesses ample opportunities to work with customers from China. Connecting the reception of online payment through WeChat Pay can be a starting point for growth for a business that works with Chinese tourists in Russia or focuses on the international market and is interested in buyers from China. In addition, WeChat is a universal service for working with buyers: it is both a payment tool and a promotion tool. Companies that will use all the capabilities of this service will have excellent prospects for reaching a large audience of Chinese customers, }}

Yandex.Kassa is one of the strategic partners of WeChat Pay in Russia. The cash desk is already helping Russian stores accept payment through WeChat Pay offline, and now it will help everyone who wants to do it online,

The buyer does not need to pay a commission for settlements through WeChat Pay - Yandex.Kassa takes it only from the seller. When paying in this way, money for the purchase is debited from the user's balance in the WeChat messenger or from the bank card tied to it. At a time, a person can spend up to 646 thousand rubles on payment for purchases, per day - up to about 1.3 million rubles.

To add payment reception through WeChat Pay to your website, Yandex.Cash partner companies do not even need to configure anything, it is enough to conclude an additional agreement. Those who are not yet working with Kassa need to sign an agreement and connect to the payment solution.

Contextual Campaign Launch Service

On June 14, 2019, Yandex announced that Yandex.Cash's personal account now has a service for launching contextual advertising campaigns in the Directive. Thanks to this, companies and entrepreneurs using Yandex.Cash can now solve even more business problems on one site - run advertising, connect payment methods, bill customers, watch sales analytics, manage accounts and customer data and do much more.

For Yandex.Cash, this is a pilot project implemented jointly with a partner. This service for launching contextual advertising is designed for self-employed, individual entrepreneurs, as well as companies from the small and micro-business segment, which do not yet have the resources to hire a full-time marketer or agency to promote goods and services online. With this service, you can run ads without any special skills in just a few steps.

To do this, you need to go to Yandex.Cash's personal account, go to the site with a proposal for setting up an advertising campaign and choose a way to launch ads - with the help of a specialist or yourself. In the first case, the Yandex.Cash partner will help set up advertising - for this it is enough to fill out a short questionnaire and pay 500 rubles. In the second case, through a special form, the client will be able to enter the name and description of the advertising campaign himself, set the budget, indicate key phrases and sites of competitors, and then launch advertising. In both cases, you will not have to pay for displaying contextual ads - only for navigating users through them.

In 2018, about 15,000 individual entrepreneurs joined Kassa, in 2019 we began to actively work with the self-employed. We understand that not all novice entrepreneurs can spend a lot of money on marketing. Contextual advertising is one of the most affordable and effective ways to promote online. But launching a successful campaign in a fiercely competitive environment usually requires professional knowledge. Now any of our clients will be able to set up advertising and sell more without a full-time marketer,

The service for launching advertising campaigns is available to all Yandex.Cash customers.

The ability to pay for purchases on the online sites of Turkey

On May 30, 2019, Yandex announced that millions of Russians will be able to pay for purchases in rubles on tourist online sites in Turkey. This became possible thanks to the cooperation of Yandex.Cash and the Turkish bank Isbank. In Turkey, in May 2019, more than 10,000 Internet sites work with him. As part of this cooperation, Isbank will connect partner companies to accept payments through Yandex.Cash.

Yandex.Cash will allow you to pay for purchases on Turkish sites in a variety of ways - for example, from a wallet in Yandex.Money or a card of any bank tied to it, a card of the MIR payment system, through mobile or Internet banking of Sberbank or Alfa-Bank. Thus, the ability to pay in rubles for purchases in Turkey has become available to millions of Russians at once: according to 2018 data, 46 million wallets are registered in Yandex.Money, more than 100 million clients use the services of Sberbank and Alfa-Bank.

For the buyer, the payment process through Yandex.Cash on the Turkish website looks the same as on the Russian site. Yandex.Kassa shows the purchase price in rubles and in them debits the required amount from an electronic wallet or, for example, from a bank card.

Cooperation with Isbank is a big step forward for Yandex.Cash. It is important for us to provide users with the opportunity to conveniently and safely pay for purchases in both Russian and foreign online stores. Turkey is very popular with Russian tourists. Now they can pay for purchases in this country as habitually as in Russia, 'says Ivan Glazachev, CEO of Yandex.Money '

Cooperation with Yandex.Cash will become a significant part of our contribution to improving trade relations between Russia and Turkey, because we simplify the payment process for Russian customers of Turkish airlines, travel agencies and online stores. We will continue to increase the number of products and services that are aimed at customers outside of Turkey, 'said Yalchyn Sezen, Deputy CEO of Isbank '

Online shopping is becoming more and more popular among Russians, and Mir cardholders are no exception. Therefore, it is also important for us to ensure not only the possibility of withdrawing cash and paying for purchases offline, but also online acquiring of national payment cards. Thanks to this project of our partners Yandex.Cash and Isbank, the geography of purchases of millions of Mir cardholders will expand, and the payment process will remain as simple as on Russian online sites. We hope that our continued cooperation will provide Mir cardholders with enhanced capabilities, 'noted Maxim Lazyrin, commercial director of the Mir payment system '

Yandex.Kassa connected about 15 thousand individual entrepreneurs

In 2019, the number of individual entrepreneurs in Russia for the first time exceeded the number of legal entities, according to a study by the Federal Information Service of the Russian Federation. The number of individual entrepreneurs who accept payments through Yandex.Kassa has increased by about 56% since 2018. About half of IP partners of Yandex.Kassa sell clothes, shoes, accessories, souvenirs, hobby goods, household and garden goods, games and other entertainment content on their online platforms, and also offer trainings and master classes.

Top 5 categories of IP sites: clothing and footwear stores, home and garden goods stores, souvenir stores, accessories, hobby goods, master classes and training platforms, game and other entertainment content services.

December is the most successful month for entrepreneurs. According to Yandex.Kassa, in 2018 it accounted for 11% of all online sales of individual entrepreneurs for the year. But in January, June and July there was a relative lull - in each of these months sales amounted to about 7%. So it is best for Russian businessmen to go on vacation during these periods.

Through Yandex.Kassa, buyers most often settle with entrepreneurs using bank cards - they account for about 73% of payments.

It is interesting to note that entrepreneurs who provide security and detective services receive the most money on average at a time from clients. The average check for them through Yandex.Kassa is 19,000 rubles. But there are not many businessmen who specialize in such expensive services - less than 0.5% of those who work with Kassa. And the least money on average at a time is received from clients by entrepreneurs who own ad sites - for example, private ad boards, job search services, real estate, tutors. At such sites, the average payment through Kassa is 203 rubles.

Ability to accept payments through Tinkoff Bank

On February 14, 2019, the company Yandex announced that Yandex.Kassa offered - Internet magazines the opportunity to accept payments through. Tinkoff Bank This will allow online platforms to expose those electronic accounts customers who prefer to pay not on the store's website, but through or mobile application bank in their personal account. Both Internet banking methods are convenient in that a person does not need to be introduced. data bank card The service will help online stores speed up and simplify the payment process for Tinkoff Bank customers - which means increasing payment conversion.

According to the company, as of February 2019, monthly in the Internet bank Tinkoff, customers from among individuals account for about 2 million payments and transfers, about 1.5 million self-service operations. The number of active users of the Tinkoff mobile application per day is about 1.1 million people, per month - 3.1 million, who complete 62 million sessions.

The more convenient the payment process for the buyer, the more likely they are to complete the transaction. Therefore, Yandex.Kassa is constantly expanding the choice of methods for accepting payments available to online stores. Accepting payments through Tinkoff Bank is an opportunity to simplify the purchase process for several million potential buyers who use the cards of this bank. Yulia Gorelova, Head of the Department for Payment Business Development Yandex.Kassa

Cooperation with Yandex.Cash - one of our oldest and largest partners - will allow Tinkoff Bank to provide its customers with another fast, convenient and safe tool for paying for goods and services in everyday life. Sergey Khromov, Head of Payments and Transfers Department of Tinkoff Bank

In addition to Tinkoff Bank, with the help of Yandex.Cash, online stores can also accept payment through online banking of Sberbank and Alfa-Bank. In general, Internet banking is popular with Russians - 87.2% of respondents pay with their help (data from the Mediascope study for 2018, Russian Internet users are 18-55 years old). 52.4% of users have experience in paying for online orders through online banking. Purchases in foreign online stores in this way are paid by 32.1% of respondents, cinema and concert tickets - 32%, plane and train tickets - 29.2%.

For the buyer, the process of paying for the order on the online platform accepting payments through Tinkoff Bank is as follows. After making a purchase, a person gets to a page with different payment methods and chooses Tinkoff Bank. Next, the bank page opens, on which the user enters his mobile number. identifies The client's bank on the specified phone number and sends him a push notification to confirm the payment in the Tinkoff mobile application. If the message from the bank does not come - a page opens on which you can log in to the personal account of Tinkoff Internet banking and pay for the purchase there. When paying both in the application and in Internet banking, you do not need to enter bank card details or - SMSpassword from the bank. There is no commission from the buyer for payment through Tinkoff Bank. For February 2019, you can spend up to 500 thousand at a time in this way. rubles

To accept payments through Tinkoff Bank, the online store first of all needs to conclude an agreement with Yandex.Cash. If the company is already working with a payment solution, to connect this payment method, it needs to go to the Yandex.Checkout API of the updated version. For online stores that have already done this, the acceptance of payments through Tinkoff Bank will turn on automatically. If this does not happen, the company will be able to configure this feature through the Yandex.Cash manager.

2018

Online payments to bankrupt banks

On December 5, 2018, Yandex.Money reported that Yandex.Kassa began to make online payments to bankrupt banks, the liquidation of which is carried out by the Deposit Insurance Agency. According to the company, customers of such banks can pay loans online.

To repay the loan online, the user will only need the BIC of his bank, the credit account number and any bank card or electronic wallet in Yandex.Money, from which the required amount will be debited.

Yandex.Money initially supported the DIA initiative to expand payment opportunities for bank customers with a revoked license. Previously, with the help of our service, customers of banks who have no problems with the license could pay loans online. Now we will help to do this and customers of bankrupt banks. Dmitry Karmishin, Sales Director of Yandex.Money

In liquidated banks in which the bankruptcy trustee is the DIA, as of December 2018, more than half a million borrowers - individuals. With the launch of the payment portal, they will be able to pay off debts via the Internet. Yuri Isaev, General Director of Deposit Insurance Agency

Pay with WeChat Pay

On November 15, 2018, Yandex.Money announced that Yandex.Cash had another way of accepting payments - through WeChat Pay. According to the company, this opportunity will be useful to retail outlets that work with Chinese tourists or intend to do so in the future.

According to November 2018, about 1.5 million Chinese tourists come to Russia every year - offering a familiar and convenient way of calculating, retail outlets will be able to ensure the growth of the average tourist check and improve their sales indicators. Anna Kuzmina, Deputy Commercial Director of Yandex.Money

Using Yandex.Cash, receiving payments through WeChat Pay connected a trade network of household appliances and digital electronic engineers "." Citilink Thus, as of November 2018, 7 large chain stores in and 5 in accept payment To Moscow. St. Petersburg

Citylink is interested in testing payment systems using QR codes. We see the prospect of their further distribution in Russia. In addition, the development of the retail network cannot but take into account the increasing flow of tourists from China. Therefore, together with Yandex.Cash, we first of all added acceptance of payments through WeChat Pay to all our full-length stores in the two largest cities of the country - Moscow and St. Petersburg. Sergey Potonnin, CFO of Citylink

Payment through WeChat Pay is made contactless using QR codes. At the checkout, the buyer just needs to open the WeChat application in his smartphone, let the seller scan the QR code and confirm the payment on his phone.

To accept payments through WeChat Pay, companies do not have to integrate with Yandex.Cash. It is enough to sign an agreement with a payment solution and install its special Android application on a smartphone or tablet. Through this application, you can scan QR codes to accept payment.

Accept payments from American Express, JCB and Diners Club cards

On October 25, 2018, Yandex.Money announced that with the help of Yandex.Cash, online stores and other online services can now accept payments from cards of foreign payment systems - American Express, JCB and Diners Club. This opportunity will be useful for companies and entrepreneurs who work with foreign clients - tourists, expats or, for example, customers from other countries who receive services remotely.

It is important for us that companies connected to Yandex.Cash can sell their goods and services to the widest possible range of buyers, including foreign ones. Due to the fact that Kassa began to work with American Express, Diners Club and JCB cards, our partners will be able to expand their audience and go beyond Russia with their business.

The interest of American Express, JCB and Diners Club cardholders in goods and customer services Yandex.Cash desk is confirmed by statistics: in January - September 2018 there were twice as many payment requests from such cards as in the whole of 2017. Now any stores working with Yandex.Cash will be able to offer the owners of these cards the usual payment method.

Yandex.Kassa does not charge American Express, JCB and Diners Club card holders a commission to pay for purchases. To set up payment acceptance from such cards, Yandex.Cash partner companies need to conclude an additional agreement. Those who are not yet connected to the payment solution will need to conclude an agreement.

This opportunity became available thanks to the cooperation of Yandex.Cash with the Russian Standard Bank.

B2B Payments Service

On October 16, 2018, Yandex announced that the payment solution Yandex.Kassa and Sberbank created the B2B payments service. With its help, organizations can accept online payment from corporate clients as easily as from individuals. To do this, just add a button to your website to accept payments through the Sberbank Business Online system. This option will reduce the waiting period for payment from the organization from 1-3 days to 1-3 minutes.

You can connect "B2B payments" only through Yandex.Cash. As of October 2018, the service is available to companies with a settlement account with Sberbank - about 2 million of them are 30% of the number of micro, small and medium-sized enterprises in Russia (according to the Unified Register of the Federal Tax Service). The potential audience of the service is all organizations in Russia serving corporate clients.

Using the presented service, it is very easy to pay a B2B bill. To do this, select a product or service on the seller's website, click the "Pay through 'Sberbank Business Online'" button, log in to the Internet bank and confirm the payment with a password from SMS. No information about the product or seller needs to be entered - the account is created automatically. Immediately after payment, the seller will receive a notification about this and the information about the buyer's legal entity necessary for closing documents. After that, the seller will be able to ship the goods or provide the service, without waiting for the money to go to his current account or when the buyer sends a payment order.

The classic B2B calculation process is more complicated and longer. Usually, the seller invoices the buyer on paper or in electronic form, after which the buyer transfers the invoice to the accounting department or enters the data into the accounting program. Then he makes a payment and waits for the money to go to the seller's bank account. To quickly confirm payment, the buyer can transfer the scan of the payment order to the seller. But taking into account the execution and sending of documents, even in electronic form, it takes from 1 to 3 days, depending on the size of the organization and the speed of its accounting department.

author '= Ivan Glazachev, General di⁠rektor Yandex.Money ' The ability to accept B2B payment via the Internet will help organizations not only simplify settlements with legal entities, but also improve a number of business indicators. In particular, the company will be able to increase the conversion of payments and save the accountant's time. Thanks to instant payment notifications, the seller will be able to immediately ship the goods or provide a service, which means that the downtime will be reduced and the turnover of the warehouse will increase. Sberbank has developed a special API for B2B payment, and Yandex.Kassa has become an aggregator that has made such payments available to millions of organizations.

Integration into 1C:Enterprise 8 Platform Solutions

In February 2018, 1C added the Yandex.Cash payment module to the standard 1C: Enterprises electronic document library. Thanks to this, 1.5 million commercial and budgetary organizations that use 1C products will be able to accept payments in them through Yandex.Kassa - from electronic wallets, from bank cards or through Internet banking. Read more here.

2017

Technology Platform Upgrade

On November 24, 2017, Yandex announced the modernization of the Yandex.Cash technology platform. According to the developers, with its help, companies can quickly connect the reception of online payments, use the offer system to increase sales and receive business analytics.

Yandex.Cash's technology platform is based on an updated API. Through it, you can set up accepting payments from bank cards, from electronic wallets, from mobile number accounts, through Internet banking and other popular methods. The API also allows you to connect special functions of the Cash Desk - for example, linking bank cards, holding and returning money, support for online cash desks. The company can use all the possibilities at once or only some. The connection takes place in "one window" mode - according to a single technical protocol, which reduces the connection time.

At the same time, an offshore system has become available in Yandex.Cash, designed to help online stores and other services attract customers and increase sales. To do this, you need to upload an offer to the Cashier - for example, a gift for a purchase or a discount on goods. The user will see this special offer after paying for the order on any other online platform through the cashier. The ticket office shows people fans depending on their personal preferences, using machine learning technologies. The store pays Kassa a reward only if the buyer goes to his website and uses the offer.

In addition, Yandex.Cash clients can now view in their personal account analytics on payments for any period: total revenue, sales, average check and return amounts. This data can be used in basic management accounting to assess the effectiveness of marketing actions and the work of suppliers.^[1]

Integration options

Via CMS

Store pros:

• Minimum modifications if CMS is already integrated with CCP
• The possibility of implementing specific functionality "for yourself" for self-described systems

Store cons:

• For self-written CMS, complex integration.
• The need for constant modifications related to changes in protocols and PDF
• When changing the manufacturer of CCT, you will have to start everything from the beginning.
• In addition to integration with CCP, it is necessary to algorithmize the logic of returns in case of failure to send a check.

Through Yandex.Cash

Store pros:

• Simple integration: if CMS has already done it, just make a couple of clicks. If the CMS is self-written, it is only necessary to expand the interaction protocol of J. Kassoy.
• Monitoring the success of turnkey fiscalization.

Store cons:

• It is more difficult to implement specific functionality "for yourself"

Yandex.Kassa will help online stores work on 54-FZ

In May 2017, Yandex.Kassa presented a technical solution for online stores and online services. With its help, companies can accept payment in full accordance with the requirements of the 54-FZ law, which will enter into force on July 1.

As you know, the law obliges all sellers to use the cash register, conclude an agreement with the fiscal data operator, instantly transfer sales to tax information, and send checks to customers by SMS or e-mail even when settled online.

The Yandex.Cash solution is a protocol for transferring data on payments and returns for online stores. It allows you to automatically send sales information to the cash register and control the transfer of checks to the fiscal data operator, and then to the tax office. The seller will be able to issue a refund through the cash register from the Yandex.Cash account, where information about the purchase is stored: prices, goods and VAT. All bills that the store will issue through Kassa in instant messengers, via SMS or e-mail, will also be issued according to the 54-FZ rules.

"All

stores are obliged to comply with the requirements of the law - both on the Internet and offline. To connect our solution, many of them do not even have to carry out complex technical work: popular CMS are already integrated with Yandex.Cash, and their list is constantly expanding. Companies will be able to set up work according to the new rules through the Yandex.Cash account, "said Alexander Kuroptev, head of the 54-FZ preparation project at Yandex.Cash.

The Yandex.Kassa solution is integrated with 13 site management systems (CMS), the Atol Online cloud service for cash services on the Internet and the Kass Module cash solution. To use the protocol, you need to buy or rent a cash register with Yandex.Cash support, register it in the tax office and conclude an agreement with any fiscal data operator. The entire connection process will take up to 7 days.

Yandex.Cash: companies can accept payments through marketing letters

People no longer have to go to the company's website to pay for the purchase. The payment button will be right in the letter: about fresh receipts of goods, discounts or upcoming events. The service is suitable for any business, be it an online store or a company that does not have a site.

Yandex.Cash desk clients can create email mailings that accept payment through SendPulse. This is an international online platform that specializes in mass email, sms and push mailings. Each month, companies around the world send about 300 million letters through SendPulse. The service has registered more than 515 thousand accounts, of which 182 thousand are in Russia.

"The

Yandex.Cash payment button will help increase conversion to sales for those who are actively developing email marketing," says Oksana Korobkina, head of distribution development at Yandex.Kass. - Now some online stores and services are losing customers. They move from letters to the site, but never reach payment. The reasons may be different: I changed my mind, something distracted, an uncomfortable basket, etc. But it is known: the fewer actions are required from the user, the higher the likelihood of purchase. Our service is just solving this problem. A person sees the product or service of interest in the letter, immediately presses the button and is calculated in any convenient way. "

To accept payments from letters, it is enough for the company to conclude an agreement with Yandex.Cash - technical integration is not required. The service is available in both paid and free versions of SendPulse. You can send letters to customers with a payment button at any time from a computer or smartphone. The history of payments is shown in the company's personal account in Yandex.Cash.

Email mailings use Yandex.Cash Desk Smart Payment technology. With its help, the company can offer the client three of the most convenient payment methods for him. Among them can be electronic wallets, bank cards, mobile number accounts, Internet banking or cash, which can be paid through any of 250 thousand payment points in Russia and other CIS countries. To understand how it will be more convenient for a person to pay, Yandex.Kassa analyzes a variety of parameters. For example, in what ways a person paid before, whether the order amount does not exceed the one-time limits of available payment methods and how most often people pay in a particular store.

Yandex.Kassa will help accept online payments through 1C

Yandex.Kassa has become a payment operator in 1C: Enterprise. This is a popular management and accounting system in Russia - more than 1.5 million organizations use it. They will be able to bill customers and accept payments directly on this system - without additional settings. The service is suitable both for companies that actively sell goods and services via the Internet, and for those who do not even have a site.

Yandex.Kassa is already built into the main solutions of 1C: Enterprises for trade automation: 1C: Trade Management, 1C: Integrated Automation, 1C:ERP Enterprise Management 2. In any of these solutions, the company will be able to form an account in the form of a link that can be sent to the client anywhere - for example, by e-mail or in a messenger. A person will be able to pay such an account immediately - from a wallet in Yandex.Money, from a bank card or through Sberbank Online. The funds will go to the organization's settlement account.

"There are enough companies in Russia that still work only offline - for example, they take orders by phone and send receipts by mail. But many of their customers are already accustomed to paying for goods and services online, - said Alexander Magomedov, commercial director of Yandex.Money. - With the help of "1C: Enterprises" any manager can bill through Yandex.Cash - special skills are not needed for this. In fact, we have provided thousands of organizations with a new payment receiving channel that will help them increase sales. "

2016

In 2016, more than 2 thousand companies use the system. The average payment for them is, according to Yandex, p7.5 thousand. Most often, invoices are issued by online stores of physical goods, companies providing various services, as well as distributors of computer programs and content.

Notes