Acquiring: TOCHKA – SBP BANK, Visa, MasterCard, Mir, UnionPay and others
The Point Bank integration module for CS-Cart and Multi-Vendor. Module functionality: Acquiring for your website: SBP, Visa, MasterCard, Mir cards, automatic status change, connection to the OFD, connection and setup of the online sales register. It is planned to launch new functionality for Tochka bank soon: preauthorization by SBP, saving payment cards, holding payments, debiting funds from an authorized card, creating an order for the buyer manually.
Advantages of Tochka Bank
Dot is a digital bank specializing in working with small and medium-sized businesses. Here he helps his clients at all stages of their existence, starting with the registration of an individual entrepreneur or LLC. First of all, the bank is focused on working with the client. For them, the client is a living person who needs to be helped to resolve the issue without unnecessary delays and shifting between services and departments.
One of the main features of this bank is that only experts work in their first-line call center. An employee receives a call from a client, delves into the task and solves it without burdening a person with the peculiarities of the internal kitchen.
Tochka Bank is a full-fledged ecosystem for business, including many interesting and useful services:
- Conducting currency transactions,
- Tochka Network - business dating service,
- Tochka Marketplaces is a business scaling service on online trading platforms: Ozon, Wildberries, Yandex.Market and so on, and soon. maybe. And yours,
- Tosca Expert is a consulting service for businesses with the involvement of experts from various fields of knowledge.
Nominal accounts
Another unique advantage of Tochka Bank is its own service for working with nominal (escrow) accounts. Read more about nominal accounts below.
Who is suitable for the module
The module is designed to work in all areas of business and allows you to implement various scenarios, such as:
- Online store: goods and services,
- Marketplace: goods and services,
- Delivery by courier of the marketplace or online store,
- Delivery by the seller's courier,
- PVZ of a marketplace or online store,
- Seller's PVZ,
- Offline point of sale.
The module supports the implementation of scenarios of an online store, marketplace and offline outlet on one online sales register, without connecting a separate device for each business area.
Online Store
Selling your own goods and/or services over the Internet.
- Accepting payments by Visa, MasterCard, MIR, UnionPay,
- Acceptance of payments under the SBP,
- Saving the buyer's payment card (for Visa, MasterCard and Mir payment systems),
- Automatic change of order statuses by payment statuses,
- Automatic change of payment status by order status,
- Payment holding.
- OFD connection,
- Connecting online sales registers (PayKeeper Kassa, ATOL Online, OrangeData, Kit Online, BusinessKassa).
Marketplace
The organization of the marketplace, including according to the agency scheme: the seller (vendor, seller, merchant) uploads his goods to the marketplace and puts them on display, the buyer selects the goods and makes a purchase. At the time of payment, information about the transaction goes to the tax service, including: the sign of work under the agency scheme, the name of the owner of the goods, his TIN, the type of taxation, the amount of tax. All funds are credited to the marketplace account, and then the marketplace transfers the amount due to the seller. The seller pays taxes from it on his own. The marketplace does not pay tax on the entire amount credited to its account, but only on its profits.
Combined work schemes are possible, for example, according to the marketplace + online store scenario, when the marketplace sells its own goods too.
- Accepting payments by Visa, MasterCard, MIR, UnionPay,
- Acceptance of payments under the SBP,
- Saving the buyer's payment card (for Visa, MasterCard and Mir payment systems),
- Automatic change of order statuses by payment statuses,
- Automatic change of payment status by order status,
- Payment holding,
- OFD connection,
- Connecting online sales registers (PayKeeper Kassa, ATOL Online, OrangeData, Kit Online, BusinessKassa),
- Support for the agency work scheme,
- The ability to connect sellers under their contract without the possibility of saving payment cards.
Offline point of sale
It is not uncommon for owners of online stores, and marketplaces, to organize not only a website, but also retail points of sale, which also need to be equipped with cash desks, and accept payments, including cash.
Our module allows you to use an online cash register at an offline point of sale instead of a stationary cash register, which allows you to significantly save money, reduce costs at the initial stage of store development or implement complex business schemes.
In particular, it allows you to implement several interesting scenarios that will make working with offline clients easier and more convenient.
- Automatic change of order statuses by payment statuses,
- Automatic change of payment status by order status,
- Payment holding,
- OFD connection,
- Connecting online sales registers (PayKeeper Kassa, ATOL Online, OrangeData, Kit Online, BusinessKassa.
Courier delivery of an online store or marketplace
The courier delivers the customer's order, receives payment in cash or via online transfer, issues goods, changes the status of the order to "Completed", ensuring compliance with the law. All necessary information is sent to the OFD, and a receipt is sent to the buyer by e-mail or SMS.
- Acceptance of payments under the SBP,
- Automatic change of order statuses by payment statuses,
- Automatic change of payment status by order status,
- Payment holding,
- OFD connection,
- Connecting online sales registers (PayKeeper Kassa, ATOL Online, OrangeData, Kit Online, BusinessKassa).
Courier delivery of the seller
The seller's courier delivers the order, issues an electronic receipt to the buyer's mail or phone. The money is credited to the seller's account.
- Acceptance of payments under the SBP,
- Automatic change of order statuses by payment statuses,
- Automatic change of payment status by order status,
- Payment holding,
- OFD connection,
- Connecting online sales registers (PayKeeper Kassa, ATOL Online, OrangeData, Kit Online, BusinessKassa).
PVZ of an online store or marketplace
Order pick-up points are a convenient and popular way to receive orders from online stores and marketplaces. In particular, because there you can inspect the goods before purchasing, try them on and decide whether to buy back the goods.
A PVZ employee can either issue already paid goods, or accept payment in cash or online transfer. To do this, it is enough for him to change the status of the product to "Paid" after receiving the money, after which the information about the sale will automatically go to the OFD, and an electronic receipt will be sent to the buyer by mail or SMS.
- Automatic change of order statuses by payment statuses,
- Automatic change of payment status by order status,
- Payment holding,
- OFD connection,
- Connecting online sales registers (PayKeeper Kassa, ATOL Online, OrangeData, Kit Online, BusinessKassa).
Seller's PVZ
The product is delivered to the seller's pick-up point, the buyer comes for the order, pays for it and receives the order by hand. The PVZ employee changes the status of the order to "Paid", information about the completion of the transaction is automatically sent to the OFD, and the buyer receives an electronic receipt by mail or SMS.
The money is credited to the seller's account. Later, the marketplace and the seller conduct their mutual settlements based on data from the warehouse accounting program.
- Automatic change of order statuses by payment statuses,
- Automatic change of payment status by order status,
- Payment holding,
- OFD connection,
- Connecting online sales registers (PayKeeper Kassa, ATOL Online, OrangeData, Kit Online, BusinessKassa).
Nominal accounts
Who needs a nominal account
If a business accepts money into a checking account, it may face restrictions. For example, sole proprietors working under the simplified taxation system are limited in turnover: no more than 150 million rubles per year. That is, if he sold 150 million worth of goods, then he can no longer accept money into the current account, otherwise he will automatically switch to the general taxation system. A nominal account will allow you to bypass this point.
A large company with an extensive field of activity and a high turnover can be subject to tax audit at any time. In this case, the company's current accounts will be blocked. In this case, the scheme of working with nominal accounts is also suitable.
It is also suitable for work under the agency scheme, when the seller is the owner of the product, and not the trading platform. All major marketplaces use nominal accounts.
How it works
The nominal account is linked to the current account. Money from customers initially goes not to a settlement account, but to a nominal account. The main thing here is to notify the tax service about who is the sender of the money, who are the possible recipients (the owner of the product and the marketplace) and what percentage goes to the marketplace and which goes to the seller.
After the transaction is completed, the money is divided into two parts: the cost of the product goes to the seller, and the commission for the sale goes to the marketplace. Accordingly, each participant pays taxes on his part of the profit. This is convenient and profitable, because it allows you to save money and eliminates the need to keep complex accounting with the risk that the tax service will not accept the submitted documents and will request taxes from the full amount. And not only from the bag of profit.
An important point: in the case of a tax audit, the tax service may block the current account, but not the nominal one. A nominal account can be blocked only by a decision of the Central Bank. Thus, even during tax audits, your business continues to operate and generate income. If necessary, you can even temporarily connect a nominal account to a new checking account.
Last but not least, the advantage is that when calculating the SBP, money can be accepted into nominal accounts only within one banking system. Accordingly, most SBP banks accept money only to a checking account, after which you will have to manually transfer it to a nominal account. It's an extra hassle and time.
Tochka Bank is the owner of the nominal accounts service, that is, it can accept money from the SBP directly to the nominal account, without unnecessary gestures.
If you need to connect a nominal account, please contact our staff. Contact phone number: +7 923 364 90 07
Functionality of the Point Bank integration module for CS-Cart and Multi-Vendor
The functionality of the integration module realizes the full potential of the bank's capabilities, taking into account all business processes. We are preparing several important and interesting updates that significantly expand the capabilities of the module.
Accepting payment cards
The module supports accepting payments by cards of all major payment systems: Visa, MasterCard, UnionPay, Mir and others. For Mir, Visa, MasterCard cards, the function of saving card data is supported. The fee for payment by card is 2.6%.
Acceptance of payment by SBP
The fast payment system is an actively developing and popular payment method that is convenient for both buyers and sellers. SBP is a low interest rate (0.4% for essential goods and services and 0.7% for other categories of goods), ease of use, the ability to save a token (it works on approximately the same principle as saving payment cards). At the time of publication (November 2023), Tochka Bank does not support the preservation of the token, however, the ban plans to implement this function in the near future. This function is implemented in the module. Check with your manager if you can connect.
Accepting payments from abroad
The ability to open an account in any currency to accept payments from abroad. "The point offers to open an account in the following currencies:
- Dollars,
- Euro,
- Yuan,
- Lira,
- Tenge,
- Dinars,
- Rupees,
- Dramas.
The list of currencies and countries is current at the time of publication (November 2023). Check the relevance of the data with the bank's employees.
Marking is an honest sign
According to the legislation, a number of goods are subject to mandatory labeling "Honest mark". Each product is assigned a unique identifier, and the departure of this unit of goods from circulation occurs only through the CRF, that is, along with information about the transaction, the tax service must also receive the identifier of the Honest Mark for this particular product.
The module automatically sends the Fair Sign identifier to the OFD at the time of completion of the transaction, so the legislation will be complied with without additional efforts on your part.
Automatic change of order statuses by transaction status
When placing an order from the checkout, the buyer gets to the bank's widget, where he needs to enter payment details and confirm his willingness to pay for the purchase. Further events can develop according to one of several scenarios:
- The money was debited from the account, the payment was completed,
- There is not enough money in the account, the payment has not been completed,
- The card is blocked, the payment has not been completed,
- The buyer canceled the payment himself.
The module receives a response from the bank and automatically changes the order status to the appropriate one. Thus, the following scenarios are triggered: if the payment has passed, the order is processed, it is completed, packaged and sent to the buyer; if the buyer canceled the order himself, the goods will remain in the checkout for subsequent ordering, and so on.
Automatic change of the order status allows you to track all events that occur with the order. In case something goes wrong, you can always figure it out by the flexibly configurable statuses.
Automatic change of order statuses by transaction status
By law, when accepting payment, we are obliged to give the buyer a receipt confirming that the transaction has been completed, and after handing the goods to the buyer, it is necessary to knock out a closing receipt. Either the courier or the transport company informs us that the buyer has received his goods.
The module automatically accepts order delivery information from third-party modules, for example, the PRO PLUS Delivery module, and changes the transaction status according to the order status. After the goods are delivered to the buyer, the order status will be changed to "Order completed", at which point a closing receipt is issued.
Saving payment cards
Today, online stores and marketplaces are literally one click away from each other. And any delay, any delay in the purchase of goods can lead the buyer from one site to another.
And now the buyer comes to making a purchase. Now he needs to open the bag, take out the wallet, take out the card from it, rewrite its number, expiration date, CSV. It may take up to 5 minutes. If someone distracts the customer at this stage, they can simply close your store, return to the purchase later, but find the right product on another site.
Saving payment cards allows you to significantly increase the conversion rate for those who buy goods in your store repeatedly. He no longer needs to do all the steps described above, just select the saved card and click the "Pay" button. Even if the buyer has important things to do right now, he will have time to press two buttons.
The card data is saved automatically when making a purchase.
Payment holding
Holding – from the English "Hold" - hold – withholding of payment. After creating an order on the bank's side, the funds are frozen: they remain on the buyer's account, but he cannot use them. Thus, you have a 100% guarantee that you will receive money from the buyer. Funds are debited after a predetermined event occurs: for example, confirmation of the availability of goods, or confirmation of the order by the buyer.
Funds are frozen on the buyer's account for a maximum period of 5 days. If the command to withdraw funds does not arrive during this period, the funds will either be automatically unblocked on the buyer's account, or transferred to your account.You can set up an action after the expiration date in your personal account.
After the money from the buyer's account is credited to your account, the order status changes to "Paid". After that, everything develops according to the standard scenario.
Creating a manual order for the buyer
This function is necessary in cases when, after payment, but before receiving the order, the buyer realized that some of the goods in the order did not suit him, but he needed another product with a higher price.
In this case, you must cancel the order, refund the money and create a new order for a large amount and pay for it. However, the buyer may not want to waste time making a new order.
In this case, if the buyer has a saved card, then you, in parallel with a phone call, can manually create an order for the buyer with the selected goods and make a purchase. The money will be automatically debited from the linked card. For the buyer, the advantage is that he receives the tedious goods without unnecessary movements. For you, the fact that you receive a new order increases the conversion rate.
The owners of stores and marketplaces who are not clean in their hands may try to cash in on this: place orders without the knowledge of customers. However, in this case, after the first complaint from the buyer, the bank quickly freezes the attackers' bank accounts.
Plans: recurring payments
Recurring payments are regular payments to pay for goods or services under a subscription. The peculiarity of such payments is that each payment must strictly meet the subscription amount, if it is 1000 rubles, then 1000 rubles will be debited every month, no more, no less. This means that discounts and promotions cannot be applied to such payments, and if you want to increase the subscription price, you will have to contact the buyer, ask him to cancel the subscription and purchase it at a higher price. We plan to implement this feature in the module by Q4 2023.
However, you can already set up recurring payments using our module "Regular payments and embedded recurring payments". It allows you to set up various payment scenarios, including using promotions or increasing the price. For example, you can offer your customers a subscription for 1 ruble for the first month, charge 500 rubles in the second month, and 1000 rubles for the third, the full subscription price. You can also increase the subscription price, but it is very important to correctly specify this point in the offer agreement. Please contact our manager for advice.
The ability to connect multiple PayKeeper personal accounts
The PayKeeper service supports the ability to connect multiple personal accounts for one business. This allows you to implement various business processes, gives you more flexible settings, and therefore freedom of action.
For example, you can connect the same bank both on the website and in the warehouse accounting program (1C, My Warehouse, Office 365, and so on), CRM, at the point of retail sales, and so on.
There is another advantage of such a system: no more than two banks can be connected in one personal account: one for SBP, the other for card payments. If you have more complex business processes, and there is a need to connect more banks, you can connect several personal accounts with different banks to your site and set up payment through your bank for each of the business processes.
In some cases, it is more profitable to use different legal entities to work with different clients: for the end customer, use an individual entrepreneur, and for legal entities – an LLC. In this case, you can also create a separate personal account for each legal entity.
But whichever option you choose, in any case, all this will work through one cash register.
Online sales register from the PayKeeper payment service
Various cash registers and online sales register services may differ significantly in functionality. Our module works through the PayKeeper payment system and supports all types of cash registers and online cash registers that the PayKeeper service works with.
Stationary cash registers:
- EVOTOR,
- ATOL,
- BARCODE,
- Modulkassa.
Online sales registers:
At the time of publication (November 2023), we tested simultaneous operation according to the scenarios of the online store, marketplace and offline outlet only on PayKeeper Kassa. Check with the manager for the possibility of connecting all three scenarios.
Compatible with other modules
The module is compatible with our delivery modules "Delivery PRO PLUS" and "Russian Post". Together, they support the transfer of information about the delivery tax to the tax service as a service. That is, you pay the shipping tax separately, separately according to the agency scheme for the arrived order.
To work with the module "Logistics: fulfillment, crossdocking, your warehouse, PVZ points" for DBS, FBS and FBO business processes, we have added an additional setting. You can activate different payment methods for each of the business processes. To do this, it is enough to specify that the payment method should be hidden if the order includes goods from cross-docking warehouses.
Usage example: when using the cross-docking model, the marketplace cannot be sure that the seller has all the goods in stock. Therefore, it is not profitable for the marketplace to immediately take money from the buyer: if it turns out that there is no product, then the money will have to be returned. At the same time, the payment for acquiring, which is from 2.5 to 4%, is not refundable. From each product, it seems, not such a large amount. But if there are a million rubles worth of such refunds in a year, which is quite likely, then the losses will amount to about 40 thousand rubles. Which is already noticeable.
To avoid this, you can hide the possibility of paying by card for those orders where goods from the cross-docking warehouse are involved. Leave only payment options after receipt, discuss with the manager, payment by SBP and the like. Acquiring is also charged for the SBP, but there the payment amount is only 0.7%, which hits the wallet much less.
Coming soon: In the near future, the module will be able to hide not only its own payment methods, but also third-party ones created using basic functionality or other payment modules, depending on the availability or absence of warehouses. For this function to work, you will need to install the "Basket Division" module for the online store. For the marketplace, it will be possible to use the standard functionality of dividing baskets.
Usage example: the customer selects the orders and puts them in the cart. The algorithm automatically divides the products into two baskets. There are products in one that are definitely in stock. Instant payment methods are displayed for this shopping cart: card payment, SBP, credit, and so on.
The second basket will contain goods, the availability of which will need to be checked with the supplier or vendor before withdrawing money from the buyer. For this basket, only payment methods are displayed that provide time to check the availability of goods before payment: discuss with the manager, holding, payment upon receipt, and so on.
Then the manager checks the availability of goods in stock, corrects the order if necessary, and only after that the buyer is charged for the order.
You can flexibly build a display of payment methods depending on the required logic of payment behavior. At the moment, none of the modules presented in the mass market has the same functionality as ours.
Paid and free versions of the module
We offer you two module options:
- Free with reduced functionality,
- Paid with fully functional functionality.
The free version only accepts payments.
We offer you a module that allows you to realize all the possibilities provided to you by the bank. With it, you will be able to implement many different scenarios that match your business processes.
We are constantly improving and developing the module, adding new functions to it. At the moment, we are preparing the possibility of transferring information to 1C via the API. Data is currently being collected for the implementation of electronic document management.
Free connection to the Dot bank via the PayKeeper service
You can connect to the bank directly for free by contacting their manager and notifying them that you will work through the PayKeeper service. Or you can connect directly through the PayKeeper service. To do this, contact the service manager and notify which bank you plan to cooperate with. The manager will contact the bank's staff on his own.
If you connect to the bank through the PayKeeper service, the service provides a discount on acquiring payments: 1.9% for card payments and 0.7% for SBP. When connecting to the bank, the bank's commissions will apply.
If you want to connect more than one bank to your site, for example, one for card payments and another for SBP, then you need to use one of two modules:
- Russian Acquiring – more than 20 banks, online cash register, OFD, payment via Visa; MasterCard; Mir, UnionPay; SBP for CS-Cart Multi-Vendor marketplace?
- PayKeeper – Visa; MasterCard; Mir, UnionPay; SBP, online cash register, OFD, more than 20 banks for CS-Cart and Multi-Vendor.
CONTACTS
Up-to-date information about changes in the module's functionality, as well as compatibility with other modules, is published in our Telegram channel and in the groupVKONTAKTE
Telegram t.me/maurisweb
VKONTAKTEvk.com/maurisweb
You can submit a request to the support service, ask questions to the managers about the work or completion of the module via messengers, the group VKONTAKTE and mail.
- WhatsApp +7-923-364-90-07
- Telegram t.me/mauriswebru
- Telegram +7-923-364-90-07
- VKONTAKTEvk.com/maurisweb
- E-mail: info@maurisweb.ru
