Hello!

Now I am paying for payment in the online store, you need to make it so that the user can replenish his balance with any credit card, while the money must also be transferred to a credit card (master card). Payment must be made automatically, i.e. the user transferred the money and the product was immediately added to him. For this, for example, in webmoney or Yandex money, http-notifications were made, but they charge a fee there, I’m wondering if you can also do it with a credit card, i.e. so that for any account replenishment a notification is sent to my server?

Closed due to the fact that the question is too common for the participants Alex , cheops , Harry , Ainar-G , AK ♦ 28 Nov '17 at 13:01 .

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  • 3
    At a minimum, you will have to integrate (read signing a contract, pay a commission, then yes) with one of the payment systems. Here at the stage of the contract you will be told about the API - rjhdby

1 answer 1

This is generally a little about the programming issue, but popular among programmers.

It is possible, but it is necessary to negotiate with the bank and be a legal entity. Preferably with the bank that serves the account of your legal entity. This is called "equalizing". There is another option without a legal entity - payment by card through a third-party service, such as robokassa or payture for a commission from your client, is about 5%.

  • Those. robokassa or payture transfer money from one wallet to another, while sending a payment notification to the server of the account holder of the receiving money and charges about 5%. - Shillkas
  • Acquiring is essentially the same thing, only you need to draw up a contract with the bank and be legal. face, but there will be no commission? - Shillkas
  • @Shillkas yes, something like this. Only about the commissions there everything is more complicated - they range from 2% to 10%, from the client, and also when transferring from the system account to your account the commission, but mine is small, about 1-2%. - Goncharov Alexander
  • @Shillkas yes, if it will be much less. Simply, payment services provide you with an opportunity not only to use a card - customers will be able at least to pay for your goods with SMS, but with you there is no hemorrhoids (as from a programmer): in general, it is also interesting. I really Robokassa once in 2 years delayed payment 200.r. for a month and a half. - Goncharov Alexander