Acquiring connection algorithm

Acquiring and "Internet acquiring"

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Internet acquiring and "Chargebacks" problem

Hard limit on the percentage of " chargebacks " gave rise to two types of payment processing specializing in reducing their number:

The first type - that organizations producing reduction of "chargebacks" lawful methods. These companies create telephone customer support centers, conduct audits of sites, logistics and consulting business reorganization. This type of processors is interesting when exceeding the maximum level of "chargebacks" is within 1%.

The second type - this firms specializing in working with high risk businesses with high turnover and the level of returns more than 4% . Working in tandem with the banks, they arrange a "carousel" of shell entities and using delays in processing sequence, they withdraw money from the accounts before the regulator will prohibit transactions and block the withholding percentage. This is "black" acquiring. Rates in these organizations, of course, much higher.

Acquiring connection. Our services.

Connection conditions and tariffs for acquiring in different organizations may vary vastly. The negotiation process with each payment system takes from 3 days to 2-3 weeks. In our assessment of the world right now, there are about 1300 developed acquiring systems, each of which specializes in certain types of Internet businesses. No matter if you are looking for bank or payment processor (in practical terms, they are the same), it is very difficult to find the best conditions by yourself. For this reason, we offer the following services for our customers:
The degree of riskiness of the business (high, medium, low)
Monthly volumes, the average amount of the payment, number of payments
Type of business (goods and services), the stability of the financial indicators
Jurisdiction of the registration of a legal entity, the age of the company
Personalities of business owners (citizenship, welfare, etc.)
Prestigiousness of the bank having opened a usual corporate account
The quality of the website, the availability of contracts, multi-lingual resource
Having a business plan and forecast of performance indicators (for start-ups)
Having a telephone customer service, its quality
Policy on voluntary refunds of payments (refund policy)
Depending on the answers to these questions, the rates of the payment systems and the banks will vary from 1.7% for typical online stores with a good history to 5-10% for complex startups. Regarding the payment of funds, it would be in the best case the delay of funds withdrawal for 3 days with no additional conditions, and at worst there can be "draconian" conditions of the security deposit of up to 20,000-30,000 dollars with delayed payments of up to 1-2 months.
Dear Customers, there are no organizations in CIS offering similar services in the field of electronic commerce. If you want to be able to operate effectively in the field of Internet acquiring, please, contact our experts. We are always ready to help you.

Bank-acquiring or processor?

You can read about the difference between using a bank acquiring and processing in the article about the Payment processing. As a summary it can be noted that the conditions and tariffs for acquiring services in banks and payment systems are practically identical. In this case, the fee is determined by the following parameters:
Acceptance of card payments at the most competitive rates
Reorganization of business to work on a tax-free offshore scheme
Connecting to the partner offshore payment systems
Selecting the optimal scheme of acquiring for the business model presented
Selection and negotiation with suitable processors and banks
Conducting billing servers system integration
Consultation on how to reduce the number of chargebacks

Additional services:

Creating systems for automatic outgoing payments
Risk analysis from a legal and tax perspective
Consultation on the technical side of electronic payments
Opening of banks in offshore jurisdictions
Acquiring options

Acquiring: rates and factors influencing them

Acquiring is of two kinds: Merchant Acquiring using POS-terminals - when the card is physically present , and its owner puts his signature on the check (payment marker «Card present») and Internet acquiring - when the card is missing and it is impossible to identify the person committing payment (marker «Card not present»). The presence of the marker in electronic banking transaction is the most important element that determines what kind of acquiring, tariffs, rules of treatment and opportunity for appellation and possibility of cancellation of the payment.

To protect Cardholders from fraud the possibility of a simplified cancellation (Chargeback) implemented into the payment procedure with marker «Card not present». In many cases, the Cardholder can simply call his bank and tell that the goods have not been delivered or the service has not been provided properly.

In order to minimize cases of “chargebacks” VISA, MasterCard and other card regulators imposed strict sanctions against Merchants, providing poor services, in the form of fines for each case of cancellation of payment. And the Merchants themselves were divided into classes of activities depending on the level of risk of "chargeback". Tariff scales were established to determine the basic commission depending on the “Merchant class”. Also the maximum permitted levels of “chargebacks” were identified (Maximum chargeback level) - for example, for VISA credit cards it is ~2 %, and for MasterCard ~1%. And the restriction on these percentages the regulators set not for the traders themselves, but for the banks.

In addition, VISA and MasterCard have divided the planet into special zones - “landing” fund from cards of European banks by the American bank will cost more for the recipient than the payment through the European processor or bank. That commission is called «Interchange rate». It is believed that it was created for «market skimming» from Internet businesses that minimize costs through a variety of offshore schemes.
Acquiring - activities of a financial institution (bank or payment provider) to implement the processing of bank credit or debit cards, which is a sequence of procedures to verify the data entered by the cardholder, debiting his account and charges to the account (merchant account) of the organization of the recipient. Also called the "Merchant Acquiring".

Internet acquiring - implementation by the “Payment Processing Clearinghouse” of a  sequence of transactions with cash similar to merchant acquiring, but without the identification of signature of the Cardholder and as a consequence with the consequent possibility of cancellation of payment "on demand" of the Cardholder (chargeback) within 180 days.
     In addition, there are many payment systems such as PayPal in US or QIWI & WebMoney in Russia. Unfortunately for the user such payment schemes look harder. And working with these systems eliminates the possibility of tax optimization. Interest rates are also higher there than in the "direct acquirers".

Acquiring services. Connection options.

When connecting the acquiring services, the commission by 90% is determined by the level of "risk" of business. Therefore, each processing or the bank in the first place, is interested in the details of business models and payment history if it exists. In addition, for the Internet companies there are ample opportunities for tax planning, as well as a variety of logistics schemes in trade of physical goods. When choosing acquiring scheme, you should always take into the balance between these factors:
Разработка оффшорной схемы деятельности
Download the complete list of payment solutions

* Tax planning and development of contracts are paid separately
* When dealing without prepayment communications take place only via e-mail
* Price may vary depending on the parameters of your business
* All works do not last for more than a month
Tariffs for setup of Internet acquiring
in our partners payment systems
(connection to our system is always free)
For sales
of virtual goods
around the world
For domestic sales
of physical goods
For sales
of physical goods
in Europe & US
Easy connection of the Internet site to partner payment systems or banks
• Mass mailing of information on the processors
  and banks (more than 50 providers)
• Search of solutions with a minimal rates
• Preparation of outgoing documentation
• Negotiation with foreign counterparts
• Consultation on system integration
299 €
Internet-acquiring connection
370 €
Internet-acquiring connection
199 ~ 970 EUR
According to
availability of the necessary
Aggregated solution for minimizing commission
and taxation with the maximum amount of
payment options
• Mass mailing of information on the processors and banks
  (more than 50 providers)
• Designing schemes to minimize taxes (tax planning)
• Registration of legal entities (1-4 pcs. depending
  on the complexity of solution)
• Selection of solutions with a minimum commission
  and maximum list of options
• Preparation of outgoing documentation
• Negotiating with foreign counterparts
• Consultation on system integration
1770 €
One company, account, processor / bank
~3700 €
2-3 companies, accounts,
processor / bank

+ 999 €
Tax planning service
(Development of
offshore scheme of
2499 €
One company, account, processor / bank,
complex solution
• Preparation of contracts between companies of the
  holding and offer agreements to the end customers
• Protection of intellectual property rights
  (domain name, software, etc.)
• Obtaining licenses in the countries of business
Opening offshore bank accounts for beneficiaries
At standard rates or by agreement
Возможность снизить налогооблагаемую базу при эквайринге за физические товары
Ecommerce Payments
Offshore technologies
for Internet-business
Application form
Approval of conditions
Technical integration
Receiving payments
We work with the Offshore,
European & Russian companies

We give a preliminary answer
within 24 hours from the time
of application

We are able to connect almost
any HIGHRISK businesses
Our rates are lower than
that of any domestic bank
or payment system

Payments in any currency
fall on the bank accounts without
conversion (you save 1-2%)
We provide an API to integrate instantly after the pre-approval
of your site

We offer three variants of
integration: inframe, redirect to payment page and with payment
data redirection (needs PCI DSS)
Data about your income is
unavailable to the tax authorities
in your country (as opposed to
the domestic processors)

We serve all types of businesses

We provide means of fighting
against fraudulent payments
We work with companies of any states including offshore
Our payment system allows you to connect several methods of payment at once. We connect: VISA, MARTERCARD, DINERS CLUB, PAYPAL, MONEYBROOKERS, QIWI, WEBMONEY, YANDEX etc.

Personal manager
For each client, we provide a personal manager, who is responsible
for ensuring that you receive quality, reliable and convenient service
as quickly as possible. We do not have the words "tomorrow" and "later",
we do everything NOW!
We provide a wide range of banks
Our processor is integrated with many banks around the world. Ability to open multiple merchant accounts in different countries and currencies allows you to get the best rates and other conditions.

We provide international legal services
Tax planning services and registration of offshore companies allow you to avoid unnecessary taxation and comfortably conduct your Internet business from offshore jurisdictions.
Connection to our system is always free.
Tariffs for connection to acquiring:
Graph of profit growth from bank acquiring
Dear Customers, we have many partner banks around the world. We own payment processor in Latvia and are "an agent of the zero rate" of all major payment systems. Thanks to these advantages, we offer the best conditions in the market. Please, contact us!
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+7 (495) 777-10-27
VKontakte Group
Russia, Moscow
Kuznetskiy most st. bld.7
Electronic payment
systems of the Internet

How payment acquiring and merchant accounts works

Clearing of Internet payments

Interchange Rate

Outgoing payments

Offshore payments and offshores for their acceptance

HIGHRISK payments

How we connect to partner payment systems

Creating the Payment Processing Clearinghouse
Connection to multiple payment systems

Vendor Application Form

Full list of our
payment solutions

Internet acquiring

Accepting payments online

Payment Processing

Open a Merchant Account
For customers from other countries and cities:
JCC Payment Systems

PayPal Pte. Ltd.

Rietumu Processing

FailSafe Payments

inpay Limited

iPayDNA International

Sofort Bank Processing

AsiaPay Limited

And many-many others...
Ecommerce Payments & Services for Online Business
Payment System
Ecommerce Payments
Bank Accounts worldwide
About Us
Логотип "Кубикус"
World map
Payment System Ecommerce Payments
Offshore Schemes
for Internet Business
Russian version
Offshore Companies formation
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