Таблица вариантов приема платежей на сайте

Accepting payments online



Domestic businesses often face many difficulties when implementing offshore scheme of work. Several reasons for this are: First, domestic providers overestimate the commission for electronic payments for offshore companies. Second, direct connection of the offshore company to domestic processor is often impossible (for example, 95% of European processors cross boarding licenses allows them to operate only inside EU). Third, the data about incoming payments always come to the domestic tax office therefore tax planning opportunities, which typically are very broad in the Internet business, are no longer available for domestic companies.
 
Symbols of electronic payments
Type
of financial institution
Classic example
(in Russia)
Possibility
to connect domestic corporation
Rate Setup complexity Convenience
for buyer
Funds
withdrawal
fee
Income is hidden from the domestic tax authorities
Domestic
banks
Sberbank,
Alfa-bank
V 2..4% Very complicated :( 0,1..1% X
Domestic processors Robokassa,
Assist
V 2..4% Intermediate :) 0,5..1,5% X
Domestic payment systems QIWI,
WebMoney
V 1..2%
processor's
+ 0,5..2%
bank's
Easy :\ 1..2% X
International banks and processors Barklays bank,
FirstData, JCC
X 0,5..1,5% Very complicated :\ 0,1..0,5% Varies by jurisdiction
International payment systems PayPal, MoneyBrookers X 1..2% processor's
+ 0,5..1% bank's
Intermediate :) 2..3% Varies by jurisdiction
Offshore payment systems iPayDNA X 4..6% Complicated :) 0,1..0,5% V
By analyzing these data, it is easy to understand that the domestic business, which wishes to receive payments via the Internet, is in a situation where no options suits its needs.

Fortunately, a solution exists. Solution is in the simultaneous creation of offshore legal entities, use of financial technologies of withdrawing funds to offshore accounts, and maximal use of the features allowed in the Internet business itself. Plans how to use these technologies are also called "offshore schemes".

Electronic payments


Additional factors

Accepting payments online using such schemes allows the decrease of the total expenses (including taxes) of most online businesses in the amount of 2-3%. However, not everything is so simple. It is not enough to connect payment service - Internet companies need to take steps to minimize losses arising from the activities of fraudsters (Fraud payments) and cancellations of payments (Chargeback). For this purpose, various means of fraud-filtration like customer phone support service, usage of automated fraud-filters, variety of blacklists and some other measures may be used. Similar services in different forms and at different prices are also provided by payment service providers.

As can be seen, in order to optimally organize the online payments, you must have significant experience and possess the relevant information about the global market of electronic payments, precisely because of the complexity of the issue. To solve this problem a comprehensive service has been developed by us, code-named "Simple Online Payments".

This service includes assistance at every stage of connection - from the development of the scheme of payment processing and registration of offshore entities to configuration of Fraud-filters for certain categories of customers. As part of this service, each client is offered an individual scheme, which depends on the characteristics of its business model and the degree of "riskiness" of the business. Here are some examples of the choice of payment system, depending on the level of "riskiness".

System of payment acceptance


Algorithms of Ecommerce Payments



As a rule, it is most advantageous to serve "low-risk" Russian businesses are the European jurisdictions, such as Cyprus or Denmark. Typical difficulties in connecting  these companies are absence of contracts, offers and English-language versions of the main pages of their sites. Also, providers often explain the failure by incomprehensibility of business model or by the violation of the copyright or other content. Therefore, we prepare our clients in advance for contact with the partner bank or provider - we help with English-language versions of the required documents and the legal organization of the site, as well as provide the necessary advice to business owners. With our help, in 100 % of the cases, low-risk businesses are successfully connected to the European processing.

The online payment providers does not have to be European or American - for every type of business, its own method of connectivity should be chosen. For example, such problematic and licensed in Europe subjects like online trade of pharmaceuticals is well served in Egypt. Adult sites, from which the "Western world" requires contracts with the models do not experience any difficulties in Kuala Lumpur and Vietnam. Mauritius and Seychelles processors specialize in betting and gambling.
1.
During telephone conversations, postal correspondence or by filling out the Vendor Application Form, the client submits his wishes about required payment options and leaves the contact details. Our managers identify possible ways of cooperation.
2.
Depending on the data from the Vendor Application Form and the customer's wishes, we start either the boarding through our processor Ecommerce Payments, or provide the selection of the most suitable partner payment providers. In the second case, the information is sent to the billing systems and banks.
3.
Pre-approval in our processor or in any third-party processor of bank usually takes 2-3 days. After that, as a rule, the customer is recommended to provide additional information about his business, and, if necessary, make changes to the website to meet the requirements of card regulators.
4.
Customer receives preliminary proposals on the existing opportunities for rates, fees, abuses, volume of the "Hold" and then we send full application form. If the connection is through Ecommerce Payments then also integration instructions will also be sent immediately.
5.
The processing of the full application form usually takes 1-2 weeks, depending on the operation circuit.
6.
If the connection is made through us, then a contract is signed and payment acceptance begins. If it is made through a third-party provider, then first of all, payment for our services must be made (300 euro) and then we coordinate client’s further steps with payment system or bank.
7.
Connection is completed.
The second option:
"An offshore scheme + payments connection"


In this case, a comprehensive assessment of the needs of the customer is made. Necessary negotiations are held and a plan of action is developed. Details of the procedure of interaction in creating an offshore business is described in the relevant article about the creation of offshore schemes. With this collaboration, the algorithm of "Simple connection" as described above is also present, but it is only part of the operations within the overall project.

If you need an organization of receiving payments on your company site, the best way to do that is by contacting us. Service may be provided by companies from countries all over the world, without a personal meeting, including on the basis of a request by e-mail and minimum telephone conversations. We are always happy to help you. Please, contact us.
Разработка оффшорной схемы деятельности
Setup of VISA / MasterCard payments through our processing
Connection of third-party payment systems and foreign banks
Services to minimize the level of "Chargeback" and protection against fraud
Consultation on the integration of billing (payment) servers
Connection to payment system with us can occur in two scenarios:


First option:
"Simple connection of Internet payments"


* It is assumed that legal entity already exist, bank accounts are opened and sales statistics is present
In such a situation, some "old school" companies, specializing in offshore business services for ordinary companies try to sell service of deployment of acquiring in foreign processors for 6-8 thousand euros. Often, acquiring services are offered in the absence of the necessary experience and understanding of customer needs. Today the state of affairs in an area such as acceptance of electronic payments is clearly reflected by the following table. Table below describes the situation in Russia but it is also valid for other countries.
Прием платежей в иностранных банках
Подключение к системам приема платежей на сайте
Our services
Tariffs for connection of affiliate payment systems
(connection to our system is always free)
For trade of virtual goods globally For domestic trade of virtual goods For trade
of physical goods
in the EU & US
Easy connection of the website to an affiliate
payment system or bank

• Fan emailing of requests on processors and banks
  (more than 50 providers)
• Selection of proposals with minimal rates
• Preparation of the set of primary documents
• Negotiating with contractors
• Consulting on integration with payment systems
299 €
setup fee
370 €
setup fee
199 ~ 970 EUR
depending on the request
Aggregated solution for minimizing commission
and taxation with the maximum number
of payment options
• Fan emailing of requests on partner processors
  and banks (more than 50 providers)
• Implementation of the tax minimization schemes
• Creation of legal entities (1-4 pcs. depending on the
  complexity of the scheme)
• Search of payment solutions with minimal rates
  and maximum selection of options
• Preparation of primary documents
• Negotiation with contractors
• Consultation on integration with payment systems
1770 €
one legal entity,
account,
processor / bank
~3700 €
2-3 legal entities, accounts,
processor / bank


+ 999 €
tax planning services (development of the activity scheme)
2499 €
one legal entity, account, processor / bank, complex connection
Optional
• Preparation of agreements between holding companies
  and contracts-offers with end-payers
• Protection of intellectual property rights for software,
  domain names, etc
• Obtaining licenses to conduct business
Opening accounts in offshore banks
At standard rates and by agreement
Processing payments for domestic companies
Processing payments for EU & US companies
Processing payments for offshore companies
Setup is free
Setup is free
from €300
Rates from 1.7%
Rates from 1.7%
from 3%
Advantages of accepting payments with Ecommerce Payments:
VISA and Mastercard cards
Electronic currency
Mobile payments
Bank transfers
Minimal rates
More than 50 payment options
Easy and fast integration
Automation of online sales
Work with HIGHRISK projects
Implementation of complex solutions
Lots of extra services
Individual approach
Наши оффшорные услуги позволяют интернет-компаниям принимать платежи на сайте из оффшоров с нулевым налогообложением
Ecommerce Payments
WORLDWIDE PAYMENT SYSTEM
Offshore technologies
for Internet-business
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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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

Information
For customers from other countries and cities:
Vendor Application Form

Full list of our
payment solutions



Internet acquiring

Accepting payments online

Payment Processing

Open a Merchant Account
JCC Payment Systems

PayPal Pte. Ltd.

Rietumu Processing

FailSafe Payments

inpay Limited

iPayDNA International
Limited


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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