[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"questions:list:en":3},[4,145,276,376,526,616,753,880,994,1103,1222,1328,1419,1542,1635,1718,1794,1928,2021,2131,2235,2333,2428,2511,2604,2692,2753,2812,2871,2941,3001,3063,3142,3216,3294,3370,3437,3513,3588,3665,3742,3819,3878,3953,4017,4099,4163,4224,4293,4369,4434,4496,4557,4616,4684,4740,4827,4888,4947,5007,5067,5149,5205,5259,5318,5377,5445,5509,5577,5639,5697,5755,5820,5885,5944,6001,6058,6114,6187,6250],{"id":5,"title":6,"answer":7,"body":8,"category":128,"description":129,"extension":130,"meta":131,"modifiedAt":132,"navigation":133,"pairId":134,"path":135,"publishedAt":136,"question":137,"relatedPath":117,"seo":138,"seoTitle":139,"sitemap":140,"slug":141,"stem":142,"translationSlug":143,"__hash__":144},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-a-chargeback.md","What Is A Chargeback","A chargeback is a forced reversal of a payment initiated by the buyer's bank when the customer disputes the transaction. Unlike an ordinary refund, which the merchant issues themselves, a chargeback happens without their consent: the bank or the payment system decides, based on the evidence submitted.",{"type":9,"value":10,"toc":120},"minimark",[11,14,19,22,39,42,46,64,68,85,89,106],[12,13,7],"p",{},[15,16,18],"h2",{"id":17},"how-a-chargeback-differs-from-a-refund","How a chargeback differs from a refund",[12,20,21],{},"The difference is who starts the process and who decides the outcome.",[23,24,25,33],"ul",{},[26,27,28,32],"li",{},[29,30,31],"strong",{},"A refund"," is started by the merchant: the customer contacted support, the store agreed and returned the money. Fast, with no dispute and no penalties.",[26,34,35,38],{},[29,36,37],{},"A chargeback"," is started by the customer through their bank. The merchant is informed after the fact and asked to prove the transaction was legitimate and the obligations were met.",[12,40,41],{},"For a business this matters: a refund is routine, a chargeback is a conflict that has already moved beyond a conversation with the customer.",[15,43,45],{"id":44},"how-the-process-runs","How the process runs",[47,48,49,52,55,58,61],"ol",{},[26,50,51],{},"The customer files a claim with their bank and states the reason for the dispute.",[26,53,54],{},"The issuing bank sends the request through the payment system.",[26,56,57],{},"The merchant is notified and given a deadline to respond.",[26,59,60],{},"The merchant collects evidence: order confirmation, proof of delivery or service, correspondence, refund terms.",[26,62,63],{},"The payment system rules on the case. If the merchant misses the deadline, the dispute is decided in the customer's favour automatically.",[15,65,67],{"id":66},"common-reasons","Common reasons",[23,69,70,73,76,79,82],{},[26,71,72],{},"The customer did not recognise the transaction on their statement — for example, it shows an unfamiliar company name.",[26,74,75],{},"The goods were not delivered or the service was not provided on time.",[26,77,78],{},"What arrived does not match the description.",[26,80,81],{},"The merchant ignored a refund request.",[26,83,84],{},"Fraud: the card was used by someone other than its holder.",[15,86,88],{"id":87},"how-to-reduce-chargebacks","How to reduce chargebacks",[23,90,91,94,97,100,103],{},[26,92,93],{},"Use a clear billing descriptor the customer will recognise on their statement.",[26,95,96],{},"Publish refund terms and delivery times where they are visible before payment.",[26,98,99],{},"Reply to enquiries quickly: most chargebacks are a support conversation that never happened.",[26,101,102],{},"Keep your evidence: receipts, tracking numbers, acceptance certificates, access logs for digital products.",[26,104,105],{},"Enable 3-D Secure — for an authenticated transaction, liability for a fraudulent payment shifts to the issuing bank in a number of cases.",[12,107,108,109,114,115,119],{},"How disputes are handled at MulenPay is set out in the ",[110,111,113],"a",{"href":112},"\u002Frefund-policy","refund and chargeback policy","; to start accepting payments, see ",[110,116,118],{"href":117},"\u002Fgetpayments","online payment acceptance",".",{"title":121,"searchDepth":122,"depth":122,"links":123},"",2,[124,125,126,127],{"id":17,"depth":122,"text":18},{"id":44,"depth":122,"text":45},{"id":66,"depth":122,"text":67},{"id":87,"depth":122,"text":88},"operations","A chargeback is a payment dispute raised through the buyer's bank. How it differs from an ordinary refund, how the process runs and how to reduce them.","md",{},null,true,"question-01","\u002Fen\u002Fquestions\u002Fwhat-is-a-chargeback","2026-08-11","What is a chargeback and how does it differ from a refund?",{"description":129},"What is a chargeback and how it differs from a refund",{"loc":135},"what-is-a-chargeback","en\u002Fquestions\u002Fwhat-is-a-chargeback","chto-takoe-charjbek","MVO-8Xv1fZGs-kBxR_SlesBFDYkgAssKXcd46YJt0fw",{"id":146,"title":147,"answer":148,"body":149,"category":128,"description":264,"extension":130,"meta":265,"modifiedAt":132,"navigation":133,"pairId":266,"path":267,"publishedAt":136,"question":268,"relatedPath":117,"seo":269,"seoTitle":270,"sitemap":271,"slug":272,"stem":273,"translationSlug":274,"__hash__":275},"questions_en\u002Fen\u002Fquestions\u002Fcancellation-vs-refund.md","Cancellation Vs Refund","A cancellation applies to a transaction that has not completed its financial cycle: the funds were held on the card but never captured. A refund applies to a completed payment: the money was taken and has to be sent back. For the customer the difference shows in timing — a cancellation releases funds faster.",{"type":9,"value":150,"toc":258},[151,153,157,164,167,171,174,178,230,234,249],[12,152,148],{},[15,154,156],{"id":155},"what-a-cancellation-does","What a cancellation does",[12,158,159,160,163],{},"When a customer pays by card, the bank first checks the card and ",[29,161,162],{},"holds"," the amount — that is a block on the funds, not a capture. Until the merchant confirms the transaction, the money stays in the customer's account but cannot be spent.",[12,165,166],{},"Cancelling removes that hold. The money never reached the merchant, so there is nothing to send back — the bank simply releases it.",[15,168,170],{"id":169},"what-a-refund-does","What a refund does",[12,172,173],{},"A refund is a separate financial operation in the opposite direction. The merchant starts it after the payment has been confirmed and counted towards their turnover. It can be full or partial — for example, when the customer keeps one item out of three.",[15,175,177],{"id":176},"choosing-the-right-operation","Choosing the right operation",[179,180,181,194],"table",{},[182,183,184],"thead",{},[185,186,187,191],"tr",{},[188,189,190],"th",{},"Situation",[188,192,193],{},"What to do",[195,196,197,206,214,222],"tbody",{},[185,198,199,203],{},[200,201,202],"td",{},"Customer changed their mind right after paying, status not final",[200,204,205],{},"Cancel",[185,207,208,211],{},[200,209,210],{},"Order confirmed, money captured, item did not fit",[200,212,213],{},"Refund",[185,215,216,219],{},[200,217,218],{},"Item out of stock before shipping",[200,220,221],{},"Cancel if the payment is not settled, otherwise refund",[185,223,224,227],{},[200,225,226],{},"Customer returned part of the order",[200,228,229],{},"Partial refund",[15,231,233],{"id":232},"what-matters-for-the-business","What matters for the business",[23,235,236,239,242],{},[26,237,238],{},"Treat the server-side payment status as the source of truth, not the \"payment successful\" screen.",[26,240,241],{},"Publish refund terms and timelines before checkout — it reduces disputes.",[26,243,244,245,248],{},"Do not stall: a refusal or silence usually ends in a ",[110,246,247],{"href":135},"chargeback",", where the bank decides instead of you.",[12,250,251,252,254,255,119],{},"How refunds work at MulenPay is described in the ",[110,253,113],{"href":112},"; the operations themselves are visible in the dashboard — see ",[110,256,257],{"href":117},"accepting payments",{"title":121,"searchDepth":122,"depth":122,"links":259},[260,261,262,263],{"id":155,"depth":122,"text":156},{"id":169,"depth":122,"text":170},{"id":176,"depth":122,"text":177},{"id":232,"depth":122,"text":233},"A cancellation releases a hold before capture; a refund sends back an amount already captured. When each applies and how it looks to the customer.",{},"question-02","\u002Fen\u002Fquestions\u002Fcancellation-vs-refund","How does cancelling a payment differ from refunding it?",{"description":264},"Cancellation vs refund: what is the difference",{"loc":267},"cancellation-vs-refund","en\u002Fquestions\u002Fcancellation-vs-refund","chem-otlichaetsya-otmena-ot-vozvrata","ZOSsmWlbyE-TFUENtn-r7ZLDQlMDVp3XBRiOcz8W8Uk",{"id":277,"title":278,"answer":279,"body":280,"category":363,"description":364,"extension":130,"meta":365,"modifiedAt":132,"navigation":133,"pairId":366,"path":367,"publishedAt":136,"question":368,"relatedPath":355,"seo":369,"seoTitle":370,"sitemap":371,"slug":372,"stem":373,"translationSlug":374,"__hash__":375},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-3d-secure.md","What Is 3d Secure","3-D Secure is an additional verification protocol that confirms the person paying is the actual cardholder. The issuing bank asks for confirmation — an SMS code, an app login or biometrics — and only then is the transaction sent for capture.",{"type":9,"value":281,"toc":357},[282,284,288,305,309,316,319,323,343,347,350],[12,283,279],{},[15,285,287],{"id":286},"how-it-works","How it works",[47,289,290,293,296,299,302],{},[26,291,292],{},"The customer enters card details in the payment form.",[26,294,295],{},"The request goes to the bank that issued the card.",[26,297,298],{},"The bank decides whether extra verification is needed.",[26,300,301],{},"If it is, the customer confirms with a code, in their app, or with biometrics.",[26,303,304],{},"Once confirmed, the payment continues on its normal path.",[15,306,308],{"id":307},"what-version-20-changed","What version 2.0 changed",[12,310,311,312,315],{},"The first version almost always showed the customer a code entry page — and some buyers dropped off there. In 3-D Secure 2.0 the bank receives far more data about the transaction and the device, and in many cases approves the payment ",[29,313,314],{},"with no action from the customer at all",". That path is called frictionless.",[12,317,318],{},"For a business it means fraud protection no longer equals lost conversion.",[15,320,322],{"id":321},"why-it-matters-to-the-merchant","Why it matters to the merchant",[23,324,325,331,337],{},[26,326,327,330],{},[29,328,329],{},"Liability shift."," When a transaction is authenticated through 3-D Secure, liability for a fraudulent payment moves to the issuing bank in a number of cases instead of staying with the merchant.",[26,332,333,336],{},[29,334,335],{},"Fewer disputes."," It is harder for a customer to claim they did not make the transaction.",[26,338,339,342],{},[29,340,341],{},"Scheme requirements."," For many business categories the check is mandatory.",[15,344,346],{"id":345},"what-3-d-secure-does-not-solve","What 3-D Secure does not solve",[12,348,349],{},"The protocol confirms who is paying, not what was sold. If a customer disputes a payment over non-delivery or a mismatch with the description, 3-D Secure will not help — that is a matter of documentation and clear terms of sale.",[12,351,352,353,119],{},"MulenPay applies 3-D Secure 2.0 together with round-the-clock anti-fraud; see ",[110,354,356],{"href":355},"\u002Fcard-payments","bank card payments",{"title":121,"searchDepth":122,"depth":122,"links":358},[359,360,361,362],{"id":286,"depth":122,"text":287},{"id":307,"depth":122,"text":308},{"id":321,"depth":122,"text":322},{"id":345,"depth":122,"text":346},"security","3-D Secure verifies that the cardholder is the one paying. How the protocol works, what version 2.0 changed and how it affects merchant liability.",{},"question-03","\u002Fen\u002Fquestions\u002Fwhat-is-3d-secure","What is 3-D Secure and why does a business need it?",{"description":364},"What is 3-D Secure and why it matters for card payments",{"loc":367},"what-is-3d-secure","en\u002Fquestions\u002Fwhat-is-3d-secure","chto-takoe-3d-secure","HFLKtd-UJQ86EEsEW-slog1UqMNSP9gGmBcam-c2EKg",{"id":377,"title":378,"answer":379,"body":380,"category":513,"description":514,"extension":130,"meta":515,"modifiedAt":132,"navigation":133,"pairId":516,"path":517,"publishedAt":136,"question":518,"relatedPath":499,"seo":519,"seoTitle":520,"sitemap":521,"slug":522,"stem":523,"translationSlug":524,"__hash__":525},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-sbp.md","What Is Sbp","SBP (the Faster Payments System) is a Bank of Russia service that moves money directly from the buyer's account to the merchant's using a QR code or a payment link. Unlike a card payment, no card details are involved at all.",{"type":9,"value":381,"toc":507},[382,384,388,402,406,466,469,473,487,491,494],[12,383,379],{},[15,385,387],{"id":386},"how-a-payment-runs","How a payment runs",[47,389,390,393,396,399],{},[26,391,392],{},"The merchant shows a QR code or sends a link.",[26,394,395],{},"The customer scans it or opens the link — their banking app launches.",[26,397,398],{},"The recipient and amount are already filled in; the customer just confirms.",[26,400,401],{},"Money moves from account to account.",[15,403,405],{"id":404},"how-it-differs-from-a-card","How it differs from a card",[179,407,408,420],{},[182,409,410],{},[185,411,412,414,417],{},[188,413],{},[188,415,416],{},"Card",[188,418,419],{},"SBP",[195,421,422,433,444,455],{},[185,423,424,427,430],{},[200,425,426],{},"What is involved",[200,428,429],{},"Card details",[200,431,432],{},"A bank account",[185,434,435,438,441],{},[200,436,437],{},"How the customer pays",[200,439,440],{},"Enters number, expiry, CVC",[200,442,443],{},"Confirms in their own app",[185,445,446,449,452],{},[200,447,448],{},"Authentication",[200,450,451],{},"3-D Secure",[200,453,454],{},"Banking app login",[185,456,457,460,463],{},[200,458,459],{},"Refunds",[200,461,462],{},"Through the payment scheme",[200,464,465],{},"As a reverse transfer",[12,467,468],{},"For the buyer the main difference is that there is no long card number to type, which means fewer reasons to abandon checkout. For the merchant it means a different confirmation flow and a different refund path.",[15,470,472],{"id":471},"where-sbp-fits-best","Where SBP fits best",[23,474,475,478,481,484],{},[26,476,477],{},"Payments from a phone, where entering a card is awkward.",[26,479,480],{},"Offline points, cafés and delivery: the QR code can be printed or shown on a screen.",[26,482,483],{},"Sales in messengers and social media, where there is no full checkout.",[26,485,486],{},"Micropayments and donations, where speed matters.",[15,488,490],{"id":489},"what-to-keep-in-mind","What to keep in mind",[12,492,493],{},"SBP does not fully replace cards: some buyers are used to paying by card, and some banks may not support a given flow. The practical approach is to offer both in the same payment form rather than making the customer choose upfront.",[12,495,496,497,501,502,506],{},"At MulenPay, SBP carries the same rate as Russian cards — from 2.9%. See ",[110,498,500],{"href":499},"\u002Fpayment_qr","QR payments"," for details and ",[110,503,505],{"href":504},"\u002Ftarify","pricing"," for the full rate list.",{"title":121,"searchDepth":122,"depth":122,"links":508},[509,510,511,512],{"id":386,"depth":122,"text":387},{"id":404,"depth":122,"text":405},{"id":471,"depth":122,"text":472},{"id":489,"depth":122,"text":490},"basics","SBP is Russia's Faster Payments System, moving money account to account via a QR code or a link. Compared with cards on speed, fees and refund scenarios.",{},"question-04","\u002Fen\u002Fquestions\u002Fwhat-is-sbp","What is SBP and how does it differ from paying by card?",{"description":514},"What is SBP and how it differs from card payments",{"loc":517},"what-is-sbp","en\u002Fquestions\u002Fwhat-is-sbp","chto-takoe-sbp","3EkX4trT2Wy9lUGDJPEwFkaaXSdYkRKOUuHrWcPVwzg",{"id":527,"title":528,"answer":529,"body":530,"category":603,"description":604,"extension":130,"meta":605,"modifiedAt":132,"navigation":133,"pairId":606,"path":607,"publishedAt":136,"question":608,"relatedPath":595,"seo":609,"seoTitle":610,"sitemap":611,"slug":612,"stem":613,"translationSlug":614,"__hash__":615},"questions_en\u002Fen\u002Fquestions\u002Fdoes-an-online-store-need-a-cash-register.md","Does An Online Store Need A Cash Register","Yes: if an online store accepts payments from individuals, 54-FZ requires a fiscal receipt for every payment, delivered to the buyer. Buying physical cash register hardware is not required, though — a cloud register covers it.",{"type":9,"value":531,"toc":597},[532,534,538,541,545,548,551,555,569,572,576,590],[12,533,529],{},[15,535,537],{"id":536},"what-the-law-requires","What the law requires",[12,539,540],{},"Federal law 54-FZ obliges a seller to issue a receipt at the moment of settlement, transmit it to the tax authority through a fiscal data operator, and send a copy to the buyer by email or phone number. For online payments the receipt is due at the moment the payment goes through.",[15,542,544],{"id":543},"cloud-register-versus-hardware","Cloud register versus hardware",[12,546,547],{},"A physical register is a device that sits on your premises, needs servicing, a fiscal drive replacement and floor space. A cloud register is the same fiscal drive, hosted in a data centre and connected to your site over an API.",[12,549,550],{},"For an online store with no physical location the cloud option is usually simpler: no hardware to buy and keep running.",[15,552,554],{"id":553},"how-it-works-in-practice","How it works in practice",[47,556,557,560,563,566],{},[26,558,559],{},"The customer pays for the order on the site.",[26,561,562],{},"The payment service records a successful transaction.",[26,564,565],{},"The order contents, amount and buyer contact are passed to the register.",[26,567,568],{},"The receipt is issued, sent to the tax authority and to the buyer.",[12,570,571],{},"All of this is automatic once the register is wired into payment acceptance — no manual step for your team.",[15,573,575],{"id":574},"worth-checking-upfront","Worth checking upfront",[23,577,578,581,584,587],{},[26,579,580],{},"Whether item names are passed correctly — they should be meaningful, not \"Service\".",[26,582,583],{},"Whether the VAT rate matches your tax regime.",[26,585,586],{},"Whether the buyer has a way to receive the receipt: an email or phone number in the order.",[26,588,589],{},"What happens on a refund — it needs a receipt too.",[12,591,592,593,119],{},"At MulenPay fiscalisation runs in the cloud: receipts are generated and delivered automatically, with no hardware. See ",[110,594,596],{"href":595},"\u002Ffiscals","online cash register",{"title":121,"searchDepth":122,"depth":122,"links":598},[599,600,601,602],{"id":536,"depth":122,"text":537},{"id":543,"depth":122,"text":544},{"id":553,"depth":122,"text":554},{"id":574,"depth":122,"text":575},"documents","Accepting online payments from individuals requires a fiscal receipt. What 54-FZ demands and how a cloud register differs from hardware.",{},"question-05","\u002Fen\u002Fquestions\u002Fdoes-an-online-store-need-a-cash-register","Does an online store need an online cash register?",{"description":604},"Does an online store need a cash register under 54-FZ",{"loc":607},"does-an-online-store-need-a-cash-register","en\u002Fquestions\u002Fdoes-an-online-store-need-a-cash-register","nuzhna-li-onlayn-kassa-internet-magazinu","TMCZYZBy81xs9XxKMi0RDEfSDwLFbYB3Q1X6Mb1W_B8",{"id":617,"title":618,"answer":619,"body":620,"category":513,"description":741,"extension":130,"meta":742,"modifiedAt":132,"navigation":133,"pairId":743,"path":744,"publishedAt":136,"question":745,"relatedPath":734,"seo":746,"seoTitle":747,"sitemap":748,"slug":749,"stem":750,"translationSlug":751,"__hash__":752},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-a-payment-aggregator.md","What Is A Payment Aggregator","A payment aggregator is a service that gives a business access to several payment methods through a single contract and a single integration. Instead of separate connections to a bank, SBP and Pay services, the merchant gets one payment form and one dashboard.",{"type":9,"value":621,"toc":736},[622,624,628,631,634,693,697,708,712,729],[12,623,619],{},[15,625,627],{"id":626},"how-it-differs-from-direct-acquiring","How it differs from direct acquiring",[12,629,630],{},"With direct acquiring a company signs a contract with a specific bank, passes its review and integrates with its payment gateway. Every additional payment method is a separate story: its own contract, its own integration, its own reports.",[12,632,633],{},"An aggregator absorbs that work:",[179,635,636,648],{},[182,637,638],{},[185,639,640,642,645],{},[188,641],{},[188,643,644],{},"Direct acquiring",[188,646,647],{},"Aggregator",[195,649,650,661,671,682],{},[185,651,652,655,658],{},[200,653,654],{},"Contracts",[200,656,657],{},"One per method",[200,659,660],{},"One",[185,662,663,666,669],{},[200,664,665],{},"Integrations",[200,667,668],{},"Several",[200,670,660],{},[185,672,673,676,679],{},[200,674,675],{},"Reporting",[200,677,678],{},"Fragmented",[200,680,681],{},"In one dashboard",[185,683,684,687,690],{},[200,685,686],{},"Time to launch",[200,688,689],{},"Longer",[200,691,692],{},"Usually faster",[15,694,696],{"id":695},"who-it-suits","Who it suits",[23,698,699,702,705],{},[26,700,701],{},"Small and mid-sized businesses without a dedicated payments team.",[26,703,704],{},"Projects that need many methods at once: cards, SBP, Pay services.",[26,706,707],{},"Teams launching fast who cannot wait out long approvals.",[15,709,711],{"id":710},"what-to-look-at-when-choosing","What to look at when choosing",[23,713,714,717,720,723,726],{},[26,715,716],{},"The set of payment methods and whether they share one rate.",[26,718,719],{},"Transparency: what the rate covers, whether onboarding is charged.",[26,721,722],{},"Fiscalisation under 54-FZ if you sell to individuals.",[26,724,725],{},"Integration options: ready-made modules, an API, payment links.",[26,727,728],{},"How refunds and disputes are handled.",[12,730,731,732,119],{},"One distinction matters: an aggregator provides the technology and infrastructure, while the settlements themselves are carried out by licensed financial organisations. That is how MulenPay operates — see ",[110,733,735],{"href":734},"\u002Finternet-acquiring","internet acquiring",{"title":121,"searchDepth":122,"depth":122,"links":737},[738,739,740],{"id":626,"depth":122,"text":627},{"id":695,"depth":122,"text":696},{"id":710,"depth":122,"text":711},"A payment aggregator connects a business to many payment methods under one contract. Compared with direct bank acquiring on setup time and coverage.",{},"question-06","\u002Fen\u002Fquestions\u002Fwhat-is-a-payment-aggregator","What is a payment aggregator and how does it differ from a bank?",{"description":741},"Payment aggregator vs bank acquiring: what differs",{"loc":744},"what-is-a-payment-aggregator","en\u002Fquestions\u002Fwhat-is-a-payment-aggregator","chto-takoe-platezhnyy-agregator","H6NWB-cYKwodNREWoBdtmGzwxwTkm3pCNxdr5XHmM1w",{"id":754,"title":755,"answer":756,"body":757,"category":603,"description":868,"extension":130,"meta":869,"modifiedAt":132,"navigation":133,"pairId":870,"path":871,"publishedAt":136,"question":872,"relatedPath":117,"seo":873,"seoTitle":874,"sitemap":875,"slug":876,"stem":877,"translationSlug":878,"__hash__":879},"questions_en\u002Fen\u002Fquestions\u002Fdocuments-for-acquiring-onboarding.md","Documents For Acquiring Onboarding","You need company or sole trader details, proof that the site is yours, and the site itself with product descriptions, prices, payment and refund terms, contacts and seller information. The review looks not only at paperwork but at what the buyer actually sees.",{"type":9,"value":758,"toc":862},[759,761,765,779,782,786,789,827,831,834,838,852],[12,760,756],{},[15,762,764],{"id":763},"what-to-prepare-about-the-company","What to prepare about the company",[23,766,767,770,773,776],{},[26,768,769],{},"Legal entity or sole trader registration details.",[26,771,772],{},"Information about the business: what you sell, to whom, at what volume.",[26,774,775],{},"Bank details for payouts.",[26,777,778],{},"A contact person for onboarding.",[12,780,781],{},"For the self-employed the list is shorter: proof of status and details for settlements.",[15,783,785],{"id":784},"what-gets-checked-on-the-site","What gets checked on the site",[12,787,788],{},"This is where applications most often come back for rework.",[23,790,791,797,803,809,815,821],{},[26,792,793,796],{},[29,794,795],{},"Product or service descriptions."," What exactly the customer buys, in what quantity, on what terms.",[26,798,799,802],{},[29,800,801],{},"Prices."," The final amount must be visible before checkout.",[26,804,805,808],{},[29,806,807],{},"Payment and delivery terms."," Timelines, methods, what happens after payment.",[26,810,811,814],{},[29,812,813],{},"Refund terms."," Process and deadlines — on their own page, not a single line in the footer.",[26,816,817,820],{},[29,818,819],{},"Contacts and seller details."," Who is selling and how to reach them.",[26,822,823,826],{},[29,824,825],{},"Consent to personal data processing"," wherever customer data is collected.",[15,828,830],{"id":829},"why-the-requirements-look-like-this","Why the requirements look like this",[12,832,833],{},"Payment infrastructure is accountable for money going to real sellers for real goods. The clearer the deal is described, the fewer disputes and chargebacks follow — and the faster the review passes.",[15,835,837],{"id":836},"how-to-speed-things-up","How to speed things up",[23,839,840,843,846,849],{},[26,841,842],{},"Fill in the site before applying, not after.",[26,844,845],{},"Check the mobile version: part of the review is done from a phone.",[26,847,848],{},"Remove placeholders like \"content coming soon\".",[26,850,851],{},"Make sure the company name on the site matches the registration details.",[12,853,854,855,857,858,119],{},"Onboarding at MulenPay takes one business day when the site and documents are ready. Start from ",[110,856,257],{"href":117},"; the terms are set out in the ",[110,859,861],{"href":860},"\u002Fmerchant-agreement","merchant agreement",{"title":121,"searchDepth":122,"depth":122,"links":863},[864,865,866,867],{"id":763,"depth":122,"text":764},{"id":784,"depth":122,"text":785},{"id":829,"depth":122,"text":830},{"id":836,"depth":122,"text":837},"What gets checked during onboarding: company details, a site with product descriptions, refund terms and contacts. The list that saves time during review.",{},"question-07","\u002Fen\u002Fquestions\u002Fdocuments-for-acquiring-onboarding","What documents are needed to start accepting payments?",{"description":868},"Documents for acquiring onboarding: what to prepare",{"loc":871},"documents-for-acquiring-onboarding","en\u002Fquestions\u002Fdocuments-for-acquiring-onboarding","kakie-dokumenty-nuzhny-dlya-podklyucheniya-ekvayringa","Eyj3ri24QqpC-iU9n6jwc1lXWQDmwC7ZKXVaUj_RXVk",{"id":881,"title":882,"answer":883,"body":884,"category":128,"description":982,"extension":130,"meta":983,"modifiedAt":132,"navigation":133,"pairId":984,"path":985,"publishedAt":136,"question":986,"relatedPath":974,"seo":987,"seoTitle":988,"sitemap":989,"slug":990,"stem":991,"translationSlug":992,"__hash__":993},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-a-recurring-payment.md","What Is A Recurring Payment","A recurring payment is an automatic charge that runs without the customer's involvement: the card is linked during the first payment, and the amount is charged on a schedule after that. This is how subscriptions, plan renewals and instalments work.",{"type":9,"value":885,"toc":976},[886,888,892,906,909,913,927,931,934,948,952,966,969],[12,887,883],{},[15,889,891],{"id":890},"how-it-is-set-up","How it is set up",[47,893,894,897,900,903],{},[26,895,896],{},"The customer pays once and agrees to recurring charges.",[26,898,899],{},"The payment service stores not the card itself but a secure identifier — a token.",[26,901,902],{},"On the due date the service initiates a charge against that token.",[26,904,905],{},"The customer gets a notification and a receipt.",[12,907,908],{},"Card details never sit with the merchant — they only ever handle the token.",[15,910,912],{"id":911},"where-it-is-used","Where it is used",[23,914,915,918,921,924],{},[26,916,917],{},"Subscriptions to services and content.",[26,919,920],{},"Renewing access to courses and platforms.",[26,922,923],{},"Memberships and club fees.",[26,925,926],{},"Regular deliveries: water, coffee, pet food.",[15,928,930],{"id":929},"what-the-customer-must-see","What the customer must see",[12,932,933],{},"Transparency here directly affects your dispute rate:",[23,935,936,939,942,945],{},[26,937,938],{},"The amount and frequency of charges — before the first payment.",[26,940,941],{},"The date of the next charge.",[26,943,944],{},"A clear way to cancel, without emailing support.",[26,946,947],{},"A notification before a charge, especially if the amount changed.",[15,949,951],{"id":950},"why-charges-fail","Why charges fail",[23,953,954,957,960,963],{},[26,955,956],{},"The card expired.",[26,958,959],{},"Insufficient funds on the due date.",[26,961,962],{},"The bank blocked the transaction under its own rules.",[26,964,965],{},"The customer was reissued a new card.",[12,967,968],{},"The practical approach is to retry after a few days and to write to the customer as soon as a charge fails. Otherwise the subscription quietly lapses and the user finds out when access disappears.",[12,970,971,972,119],{},"How this works at MulenPay: see ",[110,973,975],{"href":974},"\u002Frecurring","recurring payments",{"title":121,"searchDepth":122,"depth":122,"links":977},[978,979,980,981],{"id":890,"depth":122,"text":891},{"id":911,"depth":122,"text":912},{"id":929,"depth":122,"text":930},{"id":950,"depth":122,"text":951},"A recurring payment is an automatic charge against a previously saved card. How it differs from a one-off payment and how to cut the failure rate.",{},"question-08","\u002Fen\u002Fquestions\u002Fwhat-is-a-recurring-payment","What is a recurring payment and how does it work?",{"description":982},"Recurring payments: what they are and how to set them up",{"loc":985},"what-is-a-recurring-payment","en\u002Fquestions\u002Fwhat-is-a-recurring-payment","chto-takoe-rekurrentnyy-platezh","ldWTtltjdOtlArjT_oOOulko1hyitnUNzt0wFcn_Mck",{"id":995,"title":996,"answer":997,"body":998,"category":128,"description":1091,"extension":130,"meta":1092,"modifiedAt":132,"navigation":133,"pairId":1093,"path":1094,"publishedAt":136,"question":1095,"relatedPath":117,"seo":1096,"seoTitle":1097,"sitemap":1098,"slug":1099,"stem":1100,"translationSlug":1101,"__hash__":1102},"questions_en\u002Fen\u002Fquestions\u002Fwhy-a-bank-declines-a-payment.md","Why A Bank Declines A Payment","The balance is usually not the issue: payments get declined by bank limits, anti-fraud checks, a typo in the card details, an expired checkout session or restrictions on the transaction type. Only the issuing bank knows the exact reason — the merchant sees just a broad category.",{"type":9,"value":999,"toc":1085},[1000,1002,1006,1044,1048,1051,1055,1069,1073,1076],[12,1001,997],{},[15,1003,1005],{"id":1004},"common-causes","Common causes",[23,1007,1008,1014,1020,1026,1032,1038],{},[26,1009,1010,1013],{},[29,1011,1012],{},"Limits."," The card has a daily or per-transaction limit on online payments, sometimes set by the customer themselves.",[26,1015,1016,1019],{},[29,1017,1018],{},"Anti-fraud."," An unusual amount, a new country, an odd hour — the bank plays safe.",[26,1021,1022,1025],{},[29,1023,1024],{},"Wrong details."," An incorrect expiry date or CVC, a typo in the number.",[26,1027,1028,1031],{},[29,1029,1030],{},"Expired session."," The customer opened the form, got distracted and confirmed 20 minutes later.",[26,1033,1034,1037],{},[29,1035,1036],{},"Transaction restrictions."," Some cards are closed to online payments or to particular categories.",[26,1039,1040,1043],{},[29,1041,1042],{},"A problem at the bank."," A technical failure or an unavailable authentication service.",[15,1045,1047],{"id":1046},"what-the-merchant-sees","What the merchant sees",[12,1049,1050],{},"Banks do not disclose decline details: that is protection against card testing. The merchant only receives a category — insufficient funds, issuer decline, invalid data. Build your support flow around those categories rather than around guesses.",[15,1052,1054],{"id":1053},"what-to-fix-on-your-side","What to fix on your side",[23,1056,1057,1060,1063,1066],{},[26,1058,1059],{},"Show a human-readable decline message and offer another method — SBP or a payment link.",[26,1061,1062],{},"Do not clear the cart: the customer should return to checkout in one click.",[26,1064,1065],{},"Watch session length: the longer the checkout, the more expired transactions.",[26,1067,1068],{},"Never show raw error codes instead of plain text.",[15,1070,1072],{"id":1071},"what-to-tell-the-customer","What to tell the customer",[12,1074,1075],{},"The only party that knows the exact reason is the bank that issued the card. The customer should check their online payment limits in the banking app and contact their bank's support. The merchant cannot resolve it — but can immediately offer an alternative way to pay.",[12,1077,1078,1079,1081,1082,119],{},"Payment and decline statuses at MulenPay are described on ",[110,1080,257],{"href":117},"; on authentication see the ",[110,1083,1084],{"href":367},"3-D Secure answer",{"title":121,"searchDepth":122,"depth":122,"links":1086},[1087,1088,1089,1090],{"id":1004,"depth":122,"text":1005},{"id":1046,"depth":122,"text":1047},{"id":1053,"depth":122,"text":1054},{"id":1071,"depth":122,"text":1072},"A card decline rarely means empty pockets. Common causes — limits, anti-fraud, wrong details, an expired session — and what the merchant can do about them.",{},"question-09","\u002Fen\u002Fquestions\u002Fwhy-a-bank-declines-a-payment","Why did the bank decline a payment when there is money on the card?",{"description":1091},"Why a bank declines a payment despite available funds",{"loc":1094},"why-a-bank-declines-a-payment","en\u002Fquestions\u002Fwhy-a-bank-declines-a-payment","pochemu-bank-otklonil-platezh","DXaGxC-vbelydDxyK_5_CYjtBtlcNaKmJsXApi21dIg",{"id":1104,"title":1105,"answer":1106,"body":1107,"category":128,"description":1210,"extension":130,"meta":1211,"modifiedAt":132,"navigation":133,"pairId":1212,"path":1213,"publishedAt":136,"question":1214,"relatedPath":1198,"seo":1215,"seoTitle":1216,"sitemap":1217,"slug":1218,"stem":1219,"translationSlug":1220,"__hash__":1221},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-a-payment-hold.md","What Is A Payment Hold","A hold blocks an amount on the buyer's card without capturing it. The money is reserved but has not reached the merchant: they confirm the capture once the obligation is met, or release the hold if the order falls through.",{"type":9,"value":1108,"toc":1204},[1109,1111,1115,1118,1122,1148,1152,1155,1175,1178,1182,1193],[12,1110,1106],{},[15,1112,1114],{"id":1113},"why-it-exists","Why it exists",[12,1116,1117],{},"A hold bridges the gap between the moment of payment and the moment the merchant can actually fulfil the order. The customer has already confirmed intent and available funds, but nothing has been captured — which is easier on both sides.",[15,1119,1121],{"id":1120},"typical-scenarios","Typical scenarios",[23,1123,1124,1130,1136,1142],{},[26,1125,1126,1129],{},[29,1127,1128],{},"Pre-orders."," The item is not in stock yet; capturing on dispatch makes sense.",[26,1131,1132,1135],{},[29,1133,1134],{},"Bookings."," Rentals, rooms, appointments — the amount is held until check-in or the visit.",[26,1137,1138,1141],{},[29,1139,1140],{},"Deals with inspection."," The buyer needs to see the goods before final settlement.",[26,1143,1144,1147],{},[29,1145,1146],{},"Orders with adjustments."," The final amount changes — after weighing or substituting an item.",[15,1149,1151],{"id":1150},"how-a-hold-ends","How a hold ends",[12,1153,1154],{},"There are three outcomes:",[47,1156,1157,1163,1169],{},[26,1158,1159,1162],{},[29,1160,1161],{},"Capture"," — the money is taken and the transaction completes.",[26,1164,1165,1168],{},[29,1166,1167],{},"Release"," — the funds are freed and there is nothing to send back.",[26,1170,1171,1174],{},[29,1172,1173],{},"Expiry"," — if the merchant never decides, the bank releases the hold itself.",[12,1176,1177],{},"The third is the worst for the customer: they see a reserved amount with no explanation. Keep hold periods as short as the process allows.",[15,1179,1181],{"id":1180},"what-to-explain-to-the-buyer","What to explain to the buyer",[23,1183,1184,1187,1190],{},[26,1185,1186],{},"That the amount is held, not charged.",[26,1188,1189],{},"When the capture or release will happen.",[26,1191,1192],{},"What to do if the order is cancelled.",[12,1194,1195,1196,1200,1201,119],{},"At MulenPay funds can be held for one to seven days right after payment. The inspection-deal flow is described on ",[110,1197,1199],{"href":1198},"\u002Fsafe-deal","escrow","; the difference between cancelling and refunding is covered in a ",[110,1202,1203],{"href":267},"separate answer",{"title":121,"searchDepth":122,"depth":122,"links":1205},[1206,1207,1208,1209],{"id":1113,"depth":122,"text":1114},{"id":1120,"depth":122,"text":1121},{"id":1150,"depth":122,"text":1151},{"id":1180,"depth":122,"text":1181},"A hold blocks funds on the buyer's card until the order is confirmed. Scenarios — pre- orders, bookings, escrow-style deals — and when it expires.",{},"question-10","\u002Fen\u002Fquestions\u002Fwhat-is-a-payment-hold","What is a payment hold and when do you need one?",{"description":1210},"Payment hold: what it is and why freeze funds",{"loc":1213},"what-is-a-payment-hold","en\u002Fquestions\u002Fwhat-is-a-payment-hold","chto-takoe-holdirovanie-sredstv","HJZAPR_SXFwJDIpBaG3uTCtqwyyzTTx2yaeemEhGvH8",{"id":1223,"title":1224,"answer":1225,"body":1226,"category":513,"description":1316,"extension":130,"meta":1317,"modifiedAt":132,"navigation":133,"pairId":1318,"path":1319,"publishedAt":136,"question":1320,"relatedPath":1304,"seo":1321,"seoTitle":1322,"sitemap":1323,"slug":1324,"stem":1325,"translationSlug":1326,"__hash__":1327},"questions_en\u002Fen\u002Fquestions\u002Fcan-i-accept-foreign-cards.md","Can I Accept Foreign Cards","Yes, foreign cards can be accepted, but it is a separate scenario: it carries its own rate — at MulenPay from 8.9% against 2.9% for Russian bank cards — and its own requirements for product descriptions, currency and customer support.",{"type":9,"value":1227,"toc":1310},[1228,1230,1234,1237,1241,1266,1270,1281,1284,1288,1299],[12,1229,1225],{},[15,1231,1233],{"id":1232},"why-the-rate-is-higher","Why the rate is higher",[12,1235,1236],{},"There are more parties in the chain: an issuing bank in another country, an international payment scheme, currency conversion. Every step adds cost and risk, and that is priced into the rate.",[15,1238,1240],{"id":1239},"what-to-get-right-in-the-interface","What to get right in the interface",[23,1242,1243,1249,1255,1261],{},[26,1244,1245,1248],{},[29,1246,1247],{},"Language."," The payment form and order description must be understandable to the buyer.",[26,1250,1251,1254],{},[29,1252,1253],{},"Currency."," The customer should see which currency is charged and understand their bank may convert at its own rate.",[26,1256,1257,1260],{},[29,1258,1259],{},"Merchant name."," The statement descriptor must be recognisable, or disputes will climb.",[26,1262,1263,1265],{},[29,1264,813],{}," For cross-border purchases these get read carefully.",[15,1267,1269],{"id":1268},"what-usually-goes-wrong","What usually goes wrong",[23,1271,1272,1275,1278],{},[26,1273,1274],{},"The customer does not recognise the transaction on their statement and opens a dispute.",[26,1276,1277],{},"The issuing bank declines the payment under its own cross-border rules.",[26,1279,1280],{},"The converted amount differs from what the buyer expected and reads as an error.",[12,1282,1283],{},"The first two are solved with a clear descriptor and an alternative payment method; the third with a conversion warning before checkout.",[15,1285,1287],{"id":1286},"who-needs-it","Who needs it",[23,1289,1290,1293,1296],{},[26,1291,1292],{},"Online schools and SaaS with students and clients abroad.",[26,1294,1295],{},"Stores shipping internationally.",[26,1297,1298],{},"Projects collecting payments from foreign partners.",[12,1300,1301,1302,1306,1307,119],{},"See ",[110,1303,1305],{"href":1304},"\u002Finternational-acquiring","international acquiring"," for details; all rates are listed on the ",[110,1308,1309],{"href":504},"pricing page",{"title":121,"searchDepth":122,"depth":122,"links":1311},[1312,1313,1314,1315],{"id":1232,"depth":122,"text":1233},{"id":1239,"depth":122,"text":1240},{"id":1268,"depth":122,"text":1269},{"id":1286,"depth":122,"text":1287},"Foreign cards run at a separate rate and need care with currency and payment descriptors. How such a payment differs from one made with a Russian bank card.",{},"question-11","\u002Fen\u002Fquestions\u002Fcan-i-accept-foreign-cards","Can I accept payments from foreign cards?",{"description":1316},"Accepting foreign cards: how it works",{"loc":1319},"can-i-accept-foreign-cards","en\u002Fquestions\u002Fcan-i-accept-foreign-cards","mozhno-li-prinimat-inostrannye-karty","YB8C98k4X4mPkycMWcVEL1iM6NmbIIVgOGYt1eA37Xk",{"id":1329,"title":1330,"answer":1331,"body":1332,"category":363,"description":1407,"extension":130,"meta":1408,"modifiedAt":132,"navigation":133,"pairId":1409,"path":1410,"publishedAt":136,"question":1411,"relatedPath":1397,"seo":1412,"seoTitle":1413,"sitemap":1414,"slug":1415,"stem":1416,"translationSlug":1417,"__hash__":1418},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-pci-dss.md","What Is Pci Dss","PCI DSS is the international security standard for payment card data. It defines how card details must be stored, transmitted and processed. Level 1 is the highest certification tier, held by organisations handling the largest transaction volumes.",{"type":9,"value":1333,"toc":1402},[1334,1336,1340,1354,1357,1361,1364,1371,1375,1378,1392],[12,1335,1331],{},[15,1337,1339],{"id":1338},"what-the-standard-covers","What the standard covers",[23,1341,1342,1345,1348,1351],{},[26,1343,1344],{},"Encryption of data in transit and at rest.",[26,1346,1347],{},"Access control: who can see card data and under what conditions.",[26,1349,1350],{},"Infrastructure protection: network segmentation, patching, monitoring.",[26,1352,1353],{},"Logging and regular vulnerability testing.",[12,1355,1356],{},"Compliance is proven by audit, not by declaration, and has to be renewed.",[15,1358,1360],{"id":1359},"what-it-changes-for-the-merchant","What it changes for the merchant",[12,1362,1363],{},"What matters most is where card details are entered. If they go into a certified provider's payment form, they never pass through the merchant's site, logs or databases. Responsibility for protecting them stays with the provider.",[12,1365,1366,1367,1370],{},"Hence a simple rule: ",[29,1368,1369],{},"never collect card numbers on your side",". Not in an order form, not in support correspondence, not in a CRM. The moment card data reaches you, the standard's requirements apply to you as well.",[15,1372,1374],{"id":1373},"what-stays-with-the-merchant","What stays with the merchant",[12,1376,1377],{},"A provider's certification does not cover everything:",[23,1379,1380,1383,1386,1389],{},[26,1381,1382],{},"Dashboard credentials and API keys: never stored in plain text or sent over messengers.",[26,1384,1385],{},"Keeping the site and payment modules updated.",[26,1387,1388],{},"Limiting staff permissions: not everyone needs access to transactions.",[26,1390,1391],{},"Responding to suspicious activity.",[12,1393,1394,1395,1399,1400,119],{},"MulenPay operates under PCI DSS Level 1 v4.0, with TLS 1.2 and 3-D Secure 2.0 — details on the ",[110,1396,1398],{"href":1397},"\u002Fabout","about page",". On authentication, see the ",[110,1401,1084],{"href":367},{"title":121,"searchDepth":122,"depth":122,"links":1403},[1404,1405,1406],{"id":1338,"depth":122,"text":1339},{"id":1359,"depth":122,"text":1360},{"id":1373,"depth":122,"text":1374},"PCI DSS is the payment card data security standard. What Level 1 means, why a provider's certification takes load off the merchant and what stays.",{},"question-12","\u002Fen\u002Fquestions\u002Fwhat-is-pci-dss","What is PCI DSS and why does a merchant need it?",{"description":1407},"What is PCI DSS and what certification gives a merchant",{"loc":1410},"what-is-pci-dss","en\u002Fquestions\u002Fwhat-is-pci-dss","chto-takoe-pci-dss","gvQXPMeL1q1-4r8e29SYj_PX44jYnDVozju0DcGzTYQ",{"id":1420,"title":1421,"answer":1422,"body":1423,"category":1529,"description":1530,"extension":130,"meta":1531,"modifiedAt":132,"navigation":133,"pairId":1532,"path":1533,"publishedAt":136,"question":1534,"relatedPath":504,"seo":1535,"seoTitle":1536,"sitemap":1537,"slug":1538,"stem":1539,"translationSlug":1540,"__hash__":1541},"questions_en\u002Fen\u002Fquestions\u002Fwhat-makes-up-the-acquiring-fee.md","What Makes Up The Acquiring Fee","The fee is split between the parties to a transaction: the bank that issued the card, the payment scheme, and the side that settles the money and supplies the technology. That is why the rate depends on the payment method, your volume and your industry, and is quoted as \"from\".",{"type":9,"value":1424,"toc":1524},[1425,1427,1431,1457,1460,1464,1490,1494,1497,1511,1514],[12,1426,1422],{},[15,1428,1430],{"id":1429},"who-takes-part-in-a-payment","Who takes part in a payment",[47,1432,1433,1439,1445,1451],{},[26,1434,1435,1438],{},[29,1436,1437],{},"The issuing bank"," — issued the buyer's card and authenticates the transaction.",[26,1440,1441,1444],{},[29,1442,1443],{},"The payment scheme"," — routes the request and sets the rules.",[26,1446,1447,1450],{},[29,1448,1449],{},"The acquirer"," — settles the transaction and credits the merchant.",[26,1452,1453,1456],{},[29,1454,1455],{},"The payment service"," — provides the payment form, integration, reporting and support.",[12,1458,1459],{},"The merchant sees one number, but inside it is shared between all of them.",[15,1461,1463],{"id":1462},"why-rates-differ","Why rates differ",[23,1465,1466,1472,1478,1484],{},[26,1467,1468,1471],{},[29,1469,1470],{},"Payment method."," Russian bank cards, SBP and Pay services usually share one rate; foreign cards cost noticeably more.",[26,1473,1474,1477],{},[29,1475,1476],{},"Volume."," The larger the turnover, the lower the final rate.",[26,1479,1480,1483],{},[29,1481,1482],{},"Industry."," Some categories get reduced terms — education, for example.",[26,1485,1486,1489],{},[29,1487,1488],{},"Risk profile."," Sectors with heavy refunds and disputes cost more.",[15,1491,1493],{"id":1492},"how-to-work-out-the-real-cost","How to work out the real cost",[12,1495,1496],{},"The percentage is not the whole picture. Add to it:",[23,1498,1499,1502,1505,1508],{},[26,1500,1501],{},"onboarding and integration charges, if any;",[26,1503,1504],{},"the cost of fiscalisation, if you need 54-FZ receipts;",[26,1506,1507],{},"the cost of refunds and dispute handling;",[26,1509,1510],{},"developer time for the integration.",[12,1512,1513],{},"Comparing providers makes sense across the sum of these, not on the headline rate alone.",[12,1515,1516,1517,1519,1520,119],{},"At MulenPay Russian cards, SBP and Pay services start at 2.9%, foreign cards at 8.9%, and onboarding and integration are free. Full terms are on the ",[110,1518,1309],{"href":504},"; a deeper breakdown is in the article on ",[110,1521,1523],{"href":1522},"\u002Farticles\u002Finternet-acquiring-fees-and-tariffs","fees and the real cost of accepting payments",{"title":121,"searchDepth":122,"depth":122,"links":1525},[1526,1527,1528],{"id":1429,"depth":122,"text":1430},{"id":1462,"depth":122,"text":1463},{"id":1492,"depth":122,"text":1493},"fees","The fee for accepting payments is not one number but the sum of each participant's share. Who takes what, and why rates are always quoted as \"starting from\".",{},"question-13","\u002Fen\u002Fquestions\u002Fwhat-makes-up-the-acquiring-fee","What makes up the fee for accepting payments?",{"description":1530},"What makes up the acquiring fee",{"loc":1533},"what-makes-up-the-acquiring-fee","en\u002Fquestions\u002Fwhat-makes-up-the-acquiring-fee","iz-chego-skladyvaetsya-komissiya-za-ekvayring","EfPO5uMyn8aaPMYdJKveG4yAv0BHOry9CDuQnz8w3sg",{"id":1543,"title":1544,"answer":1545,"body":1546,"category":513,"description":1622,"extension":130,"meta":1623,"modifiedAt":132,"navigation":133,"pairId":1624,"path":1625,"publishedAt":1626,"question":1627,"relatedPath":1613,"seo":1628,"seoTitle":1629,"sitemap":1630,"slug":1631,"stem":1632,"translationSlug":1633,"__hash__":1634},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-a-payment-link.md","What Is A Payment Link","A payment link is the address of a payment page with the amount and order description already filled in. The merchant sends it to the buyer in a messenger, an email or on social media, and the buyer pays in a single hop. No website of your own is required.",{"type":9,"value":1547,"toc":1616},[1548,1550,1552,1566,1568,1582,1586,1589,1592,1594,1609],[12,1549,1545],{},[15,1551,287],{"id":286},[47,1553,1554,1557,1560,1563],{},[26,1555,1556],{},"The merchant creates the link in the dashboard: amount, description and, if needed, the order lines for the receipt.",[26,1558,1559],{},"The link is sent to the buyer through any convenient channel.",[26,1561,1562],{},"The buyer opens it and pays by card, SBP or a Pay service.",[26,1564,1565],{},"The merchant sees the payment status in the dashboard, and the buyer gets a receipt.",[15,1567,912],{"id":911},[23,1569,1570,1573,1576,1579],{},[26,1571,1572],{},"Selling in messengers and social media, where there is no cart.",[26,1574,1575],{},"Issuing an invoice after a conversation with a client.",[26,1577,1578],{},"Prepayment for a service, a booking or a consultation.",[26,1580,1581],{},"Customers who find the full website checkout inconvenient.",[15,1583,1585],{"id":1584},"how-it-differs-from-paying-on-a-site","How it differs from paying on a site",[12,1587,1588],{},"On a website the buyer assembles the order and proceeds to checkout. A link is created by the merchant for a specific amount — handy when the price was agreed individually or the order took shape in a chat.",[12,1590,1591],{},"There is no price difference: the rate is the same as on a website — from 2.9% for Russian bank cards, SBP and Pay services.",[15,1593,490],{"id":489},[23,1595,1596,1599,1602],{},[26,1597,1598],{},"Give the payment a clear description: the buyer sees it on the receipt and the statement.",[26,1600,1601],{},"Do not send the same link to several customers when the amount is individual.",[26,1603,1604,1605,1608],{},"Remember the ",[110,1606,1607],{"href":607},"fiscal receipt",": it is mandatory when an individual pays, though it is issued automatically.",[12,1610,1301,1611,1615],{},[110,1612,1614],{"href":1613},"\u002Fpayment-link","payment links"," for details.",{"title":121,"searchDepth":122,"depth":122,"links":1617},[1618,1619,1620,1621],{"id":286,"depth":122,"text":287},{"id":911,"depth":122,"text":912},{"id":1584,"depth":122,"text":1585},{"id":489,"depth":122,"text":490},"A payment link is the address of a payment page with the amount already set. How to create one, where to send it and how it differs from paying on a website.",{},"question-14","\u002Fen\u002Fquestions\u002Fwhat-is-a-payment-link","2026-08-12","What is a payment link and how does it work?",{"description":1622},"Payment link: what it is and how to get paid with one",{"loc":1625},"what-is-a-payment-link","en\u002Fquestions\u002Fwhat-is-a-payment-link","chto-takoe-platezhnaya-ssylka","jM1qXJvXrxFYQ3wLdsn_PgzSFYj_m7VxAxv5k6ly2nc",{"id":1636,"title":1637,"answer":1638,"body":1639,"category":603,"description":1706,"extension":130,"meta":1707,"modifiedAt":132,"navigation":133,"pairId":1708,"path":1709,"publishedAt":1626,"question":1710,"relatedPath":117,"seo":1711,"seoTitle":1712,"sitemap":1713,"slug":1714,"stem":1715,"translationSlug":1716,"__hash__":1717},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-an-mcc-code.md","What Is An Mcc Code","An MCC (Merchant Category Code) is a four-digit code that payment schemes use to mark a merchant's line of business. It is assigned at onboarding and visible to buyers' banks: it drives cashback and rewards, card restrictions, and how anti-fraud assesses the transaction.",{"type":9,"value":1640,"toc":1701},[1641,1643,1647,1673,1677,1680,1684,1695],[12,1642,1638],{},[15,1644,1646],{"id":1645},"what-it-affects","What it affects",[23,1648,1649,1655,1661,1667],{},[26,1650,1651,1654],{},[29,1652,1653],{},"Buyer cashback and rewards."," Banks pay a higher rate on certain categories, and buyers notice.",[26,1656,1657,1660],{},[29,1658,1659],{},"Card restrictions."," Some corporate and social cards only work with particular categories.",[26,1662,1663,1666],{},[29,1664,1665],{},"Risk assessment."," Anti-fraud weighs how typical a transaction is for that category.",[26,1668,1669,1672],{},[29,1670,1671],{},"Service terms."," Scheme rules are stricter for some industries.",[15,1674,1676],{"id":1675},"how-it-is-assigned","How it is assigned",[12,1678,1679],{},"The code follows the merchant's actual activity at onboarding, not the company name. That is exactly why the review looks at your site: what you really sell, rather than what the registration says.",[15,1681,1683],{"id":1682},"what-a-merchant-should-do","What a merchant should do",[23,1685,1686,1689,1692],{},[26,1687,1688],{},"Describe your activity honestly at onboarding: a mismatch between the code and the real catalogue draws questions from the schemes.",[26,1690,1691],{},"If the catalogue changes substantially, say so — the code may need updating.",[26,1693,1694],{},"Do not build sales arguments on buyer cashback: the buyer's bank sets those rules, not you.",[12,1696,1697,1698,119],{},"For what else is checked at onboarding, see ",[110,1699,1700],{"href":871},"what documents are needed",{"title":121,"searchDepth":122,"depth":122,"links":1702},[1703,1704,1705],{"id":1645,"depth":122,"text":1646},{"id":1675,"depth":122,"text":1676},{"id":1682,"depth":122,"text":1683},"An MCC is the four-digit merchant category code used by payment schemes. It drives buyer cashback, bank restrictions and how anti-fraud reads a transaction.",{},"question-15","\u002Fen\u002Fquestions\u002Fwhat-is-an-mcc-code","What is an MCC code and what does it affect?",{"description":1706},"MCC code: what it is and what it affects for a merchant",{"loc":1709},"what-is-an-mcc-code","en\u002Fquestions\u002Fwhat-is-an-mcc-code","chto-takoe-mcc-kod","G5ELSVG6vUefm3-nhCOZXv3BSl3OqAQFEO_BOLhk7ng",{"id":1719,"title":1720,"answer":1721,"body":1722,"category":513,"description":1782,"extension":130,"meta":1783,"modifiedAt":132,"navigation":133,"pairId":1784,"path":1785,"publishedAt":1626,"question":1786,"relatedPath":1771,"seo":1787,"seoTitle":1788,"sitemap":1789,"slug":1790,"stem":1791,"translationSlug":1792,"__hash__":1793},"questions_en\u002Fen\u002Fquestions\u002Fcan-a-self-employed-person-accept-cards.md","Can A Self Employed Person Accept Cards","Yes. A self-employed person can accept cards, SBP and payment links by connecting to a payment service. No terminal and no website of your own are required: a smartphone and a dashboard are enough.",{"type":9,"value":1723,"toc":1777},[1724,1726,1728,1742,1746,1749,1752,1756,1767],[12,1725,1721],{},[15,1727,554],{"id":553},[47,1729,1730,1733,1736,1739],{},[26,1731,1732],{},"You connect to the service and provide settlement details.",[26,1734,1735],{},"You create a payment link or a QR code for a specific order.",[26,1737,1738],{},"The client pays by card, SBP or a Pay service.",[26,1740,1741],{},"The money reaches the account you gave, and the status is visible in the dashboard.",[15,1743,1745],{"id":1744},"how-it-differs-from-a-sole-trader","How it differs from a sole trader",[12,1747,1748],{},"The set of payment methods is the same; the onboarding paperwork is lighter for the self-employed. The base rate is identical — from 2.9% for Russian bank cards, SBP and Pay services.",[12,1750,1751],{},"Tax accounting is a separate matter. The payment service handles receiving money; issuing receipts in the tax app and paying the tax remain yours.",[15,1753,1755],{"id":1754},"what-to-prepare","What to prepare",[23,1757,1758,1761,1764],{},[26,1759,1760],{},"Proof of self-employed status.",[26,1762,1763],{},"Settlement details for incoming funds.",[26,1765,1766],{},"A clear description of the service: what the client buys and on what terms.",[12,1768,1301,1769,1773,1774,119],{},[110,1770,1772],{"href":1771},"\u002Fself-employed","payments for the self-employed",". The full onboarding checklist is in the ",[110,1775,1776],{"href":871},"documents answer",{"title":121,"searchDepth":122,"depth":122,"links":1778},[1779,1780,1781],{"id":553,"depth":122,"text":554},{"id":1744,"depth":122,"text":1745},{"id":1754,"depth":122,"text":1755},"A self-employed person can accept cards, SBP and payment links through a payment service. What you need and how it differs from a sole trader setup.",{},"question-16","\u002Fen\u002Fquestions\u002Fcan-a-self-employed-person-accept-cards","Can a self-employed person accept card payments?",{"description":1782},"Can a self-employed person accept card payments online",{"loc":1785},"can-a-self-employed-person-accept-cards","en\u002Fquestions\u002Fcan-a-self-employed-person-accept-cards","mozhet-li-samozanyatyy-prinimat-oplatu-kartoy","zKthj7jFSx-0j5Sd7ViiGY5sE4jFbli9LuNwnP3V7U4",{"id":1795,"title":1796,"answer":1797,"body":1798,"category":513,"description":1916,"extension":130,"meta":1917,"modifiedAt":132,"navigation":133,"pairId":1918,"path":1919,"publishedAt":1626,"question":1920,"relatedPath":1904,"seo":1921,"seoTitle":1922,"sitemap":1923,"slug":1924,"stem":1925,"translationSlug":1926,"__hash__":1927},"questions_en\u002Fen\u002Fquestions\u002Fwidget-versus-payment-page.md","Widget Versus Payment Page","A widget embeds directly into the store page: the buyer pays without leaving your site. A payment page opens at a separate address on the provider side. In both cases card details are entered in the provider's secure form and never pass through your server.",{"type":9,"value":1799,"toc":1911},[1800,1802,1806,1866,1870,1876,1885,1889,1900],[12,1801,1797],{},[15,1803,1805],{"id":1804},"how-they-differ","How they differ",[179,1807,1808,1820],{},[182,1809,1810],{},[185,1811,1812,1814,1817],{},[188,1813],{},[188,1815,1816],{},"Widget",[188,1818,1819],{},"Payment page",[195,1821,1822,1833,1844,1855],{},[185,1823,1824,1827,1830],{},[200,1825,1826],{},"Where the buyer pays",[200,1828,1829],{},"On your site",[200,1831,1832],{},"On a separate page",[185,1834,1835,1838,1841],{},[200,1836,1837],{},"Styling",[200,1839,1840],{},"Adapts to your site",[200,1842,1843],{},"Provider styling",[185,1845,1846,1849,1852],{},[200,1847,1848],{},"Integration",[200,1850,1851],{},"Embed a block in your markup",[200,1853,1854],{},"Follow a link",[185,1856,1857,1860,1863],{},[200,1858,1859],{},"Mobile flow",[200,1861,1862],{},"No extra hops",[200,1864,1865],{},"Opens as a new page",[15,1867,1869],{"id":1868},"which-to-choose","Which to choose",[12,1871,1872,1875],{},[29,1873,1874],{},"A widget"," when it matters that the buyer never falls out of the store: a long cart, an expensive order, repeat purchases.",[12,1877,1878,1881,1882,119],{},[29,1879,1880],{},"A payment page"," when there is no site or it is simple: selling from a messenger, invoicing after a call, a one-off service. That is essentially a ",[110,1883,1884],{"href":1625},"payment link",[15,1886,1888],{"id":1887},"what-does-not-differ","What does not differ",[23,1890,1891,1894,1897],{},[26,1892,1893],{},"Cost: neither the widget nor the page carries a separate charge.",[26,1895,1896],{},"Security: a certified provider handles card data either way.",[26,1898,1899],{},"Payment methods: cards, SBP and Pay services are available in both.",[12,1901,1301,1902,1906,1907,119],{},[110,1903,1905],{"href":1904},"\u002Fpayment-widget","the payment widget",". If you need full control over the design, look at the ",[110,1908,1910],{"href":1909},"\u002Fpayment-api","payment API",{"title":121,"searchDepth":122,"depth":122,"links":1912},[1913,1914,1915],{"id":1804,"depth":122,"text":1805},{"id":1868,"depth":122,"text":1869},{"id":1887,"depth":122,"text":1888},"A widget embeds into your site; a payment page opens separately. Compared on buyer convenience, integration effort and security requirements.",{},"question-17","\u002Fen\u002Fquestions\u002Fwidget-versus-payment-page","How does a payment widget differ from a payment page?",{"description":1916},"Payment widget or payment page: which to choose",{"loc":1919},"widget-versus-payment-page","en\u002Fquestions\u002Fwidget-versus-payment-page","chem-vidzhet-otlichaetsya-ot-platezhnoy-stranicy","Xv6O7rDgCdnxlu-SvjUoWe_wdxV98lqpxUXYla4dcRY",{"id":1929,"title":1930,"answer":1931,"body":1932,"category":128,"description":2009,"extension":130,"meta":2010,"modifiedAt":132,"navigation":133,"pairId":2011,"path":2012,"publishedAt":1626,"question":2013,"relatedPath":1909,"seo":2014,"seoTitle":2015,"sitemap":2016,"slug":2017,"stem":2018,"translationSlug":2019,"__hash__":2020},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-a-webhook.md","What Is A Webhook","A webhook is a notification the payment service sends to your site's address whenever a payment status changes. It — not the buyer returning to a thank-you page — should be treated as the source of truth: it is the only way the store reliably learns about a payment.",{"type":9,"value":1933,"toc":2004},[1934,1936,1940,1943,1946,1950,1968,1972,1998],[12,1935,1931],{},[15,1937,1939],{"id":1938},"why-the-redirect-is-not-enough","Why the redirect is not enough",[12,1941,1942],{},"A buyer can close the tab right after paying, lose connectivity or never wait for the redirect. The money is still taken, but the store never finds out — the order sits in \"awaiting payment\" and someone has to sort it out by hand.",[12,1944,1945],{},"A webhook reaches your server regardless of what the buyer does.",[15,1947,1949],{"id":1948},"what-your-handler-must-do","What your handler must do",[47,1951,1952,1959,1962,1965],{},[26,1953,1954,1955,1958],{},"Accept the request and ",[29,1956,1957],{},"answer 200 immediately"," — otherwise the service treats delivery as failed.",[26,1960,1961],{},"Find the order by the identifier you passed when creating the payment.",[26,1963,1964],{},"Verify the request signature before changing anything in the database.",[26,1966,1967],{},"Update the order status and store the payment id for reconciliation.",[15,1969,1971],{"id":1970},"common-mistakes","Common mistakes",[23,1973,1974,1980,1986,1992],{},[26,1975,1976,1979],{},[29,1977,1978],{},"The address sits behind auth or a firewall"," — notifications never arrive.",[26,1981,1982,1985],{},[29,1983,1984],{},"The handler returns 500 or times out"," — usually heavy logic inside; move that to a background job.",[26,1987,1988,1991],{},[29,1989,1990],{},"No signature check"," — the endpoint will accept whatever arrives.",[26,1993,1994,1997],{},[29,1995,1996],{},"Processing the same notification twice"," — it can be delivered more than once, so the handler must cope.",[12,1999,2000,2001,2003],{},"Integration details are on the ",[110,2002,1910],{"href":1909}," page.",{"title":121,"searchDepth":122,"depth":122,"links":2005},[2006,2007,2008],{"id":1938,"depth":122,"text":1939},{"id":1948,"depth":122,"text":1949},{"id":1970,"depth":122,"text":1971},"A webhook is a payment status notification sent to your server. Why orders hang without it and what to check when statuses never update.",{},"question-18","\u002Fen\u002Fquestions\u002Fwhat-is-a-webhook","What is a webhook and why does a store need one?",{"description":2009},"Webhooks in payments: what they are and why they matter",{"loc":2012},"what-is-a-webhook","en\u002Fquestions\u002Fwhat-is-a-webhook","chto-takoe-vebhuk","sX27sOhdLpmyIyNO7IKMR1luDK5iK7XzZ_3IBp2rrRk",{"id":2022,"title":2023,"answer":2024,"body":2025,"category":603,"description":2119,"extension":130,"meta":2120,"modifiedAt":132,"navigation":133,"pairId":2121,"path":2122,"publishedAt":1626,"question":2123,"relatedPath":117,"seo":2124,"seoTitle":2125,"sitemap":2126,"slug":2127,"stem":2128,"translationSlug":2129,"__hash__":2130},"questions_en\u002Fen\u002Fquestions\u002Fwhy-a-site-fails-onboarding-review.md","Why A Site Fails Onboarding Review","Usually it is the site rather than the paperwork: no refund terms, no catalogue description, prices invisible before checkout, or placeholder pages. The review looks at exactly what a buyer would see — and sends the application back when the deal is described unclearly.",{"type":9,"value":2026,"toc":2114},[2027,2029,2033,2077,2081,2098,2102,2109],[12,2028,2024],{},[15,2030,2032],{"id":2031},"common-reasons-for-rejection","Common reasons for rejection",[23,2034,2035,2041,2047,2053,2059,2065,2071],{},[26,2036,2037,2040],{},[29,2038,2039],{},"No refund terms."," No dedicated page with the process and deadlines, just a line in the footer.",[26,2042,2043,2046],{},[29,2044,2045],{},"Unclear what is sold."," Generic wording instead of product and service descriptions.",[26,2048,2049,2052],{},[29,2050,2051],{},"Prices hidden until checkout."," The total appears only after signing up or in a chat.",[26,2054,2055,2058],{},[29,2056,2057],{},"Placeholders."," Pages saying \"content coming soon\" or empty menu sections.",[26,2060,2061,2064],{},[29,2062,2063],{},"Mismatched details."," The company name on the site differs from the application.",[26,2066,2067,2070],{},[29,2068,2069],{},"No contacts."," No way to reach the seller before or after the purchase.",[26,2072,2073,2076],{},[29,2074,2075],{},"A broken mobile version."," Part of the review is done from a phone.",[15,2078,2080],{"id":2079},"how-to-pass-first-time","How to pass first time",[47,2082,2083,2086,2089,2092,2095],{},[26,2084,2085],{},"Fill in the site completely — before applying, not after.",[26,2087,2088],{},"Put payment, delivery and refund terms on their own pages.",[26,2090,2091],{},"Make sure the price is visible before checkout.",[26,2093,2094],{},"Check the company name and details against the application.",[26,2096,2097],{},"Open the site on a phone and walk the buyer's path end to end.",[15,2099,2101],{"id":2100},"why-the-bar-is-set-there","Why the bar is set there",[12,2103,2104,2105,2108],{},"Payment infrastructure is accountable for money reaching real sellers for real goods. The clearer the deal, the fewer disputes and ",[110,2106,2107],{"href":135},"chargebacks"," later — and the faster the review passes.",[12,2110,2111,2112,119],{},"The full onboarding checklist is in the ",[110,2113,1776],{"href":871},{"title":121,"searchDepth":122,"depth":122,"links":2115},[2116,2117,2118],{"id":2031,"depth":122,"text":2032},{"id":2079,"depth":122,"text":2080},{"id":2100,"depth":122,"text":2101},"Common reasons an application is sent back: no refund terms, a vague catalogue, placeholder pages, company details that do not match.",{},"question-19","\u002Fen\u002Fquestions\u002Fwhy-a-site-fails-onboarding-review","Why does a site fail the acquiring onboarding review?",{"description":2119},"Why a site fails the acquiring onboarding review",{"loc":2122},"why-a-site-fails-onboarding-review","en\u002Fquestions\u002Fwhy-a-site-fails-onboarding-review","pochemu-sayt-ne-prohodit-proverku","dl5pvCzNJOCmIvI_RUfJo0sqYDz6cffknSXhPbZNcv0",{"id":2132,"title":2133,"answer":2134,"body":2135,"category":128,"description":2223,"extension":130,"meta":2224,"modifiedAt":132,"navigation":133,"pairId":2225,"path":2226,"publishedAt":1626,"question":2227,"relatedPath":2213,"seo":2228,"seoTitle":2229,"sitemap":2230,"slug":2231,"stem":2232,"translationSlug":2233,"__hash__":2234},"questions_en\u002Fen\u002Fquestions\u002Fwhat-are-mass-payouts.md","What Are Mass Payouts","Mass payouts send money to many recipients at once from a single register rather than one transfer at a time. Marketplaces, partner programmes and companies working with contractors use them: the money flows out of the company, not into it.",{"type":9,"value":2136,"toc":2218},[2137,2139,2143,2169,2173,2176,2179,2183,2209],[12,2138,2134],{},[15,2140,2142],{"id":2141},"who-needs-them","Who needs them",[23,2144,2145,2151,2157,2163],{},[26,2146,2147,2150],{},[29,2148,2149],{},"Marketplaces and platforms"," — settling with sellers after deals.",[26,2152,2153,2156],{},[29,2154,2155],{},"Companies with contractors"," — paying freelancers and suppliers.",[26,2158,2159,2162],{},[29,2160,2161],{},"Partner programmes"," — paying rewards to members.",[26,2164,2165,2168],{},[29,2166,2167],{},"Services issuing compensation"," — bulk refunds and customer bonuses.",[15,2170,2172],{"id":2171},"how-they-differ-from-refunds","How they differ from refunds",[12,2174,2175],{},"A refund is tied to a specific customer payment: money goes back to whoever paid, up to the amount they paid. A payout is a standalone operation in favour of a recipient, unrelated to anything they paid you.",[12,2177,2178],{},"Hence the difference at onboarding: accepting payments and sending payouts are separate scenarios, with separately agreed terms.",[15,2180,2182],{"id":2181},"what-to-watch-when-automating","What to watch when automating",[23,2184,2185,2191,2197,2203],{},[26,2186,2187,2190],{},[29,2188,2189],{},"Recipient identifiers."," You need a reliable way to tie a register row to a person or seller in your system.",[26,2192,2193,2196],{},[29,2194,2195],{},"Statuses."," A payout is not instant: your handler must accept the status later.",[26,2198,2199,2202],{},[29,2200,2201],{},"Retries."," Protection against sending the same payout twice is mandatory.",[26,2204,2205,2208],{},[29,2206,2207],{},"Reconciliation."," The register you sent and the register that executed must match.",[12,2210,1301,2211,2215,2216,119],{},[110,2212,2214],{"href":2213},"\u002Ftransfers","mass payouts","; the programmatic flow is covered by the ",[110,2217,1910],{"href":1909},{"title":121,"searchDepth":122,"depth":122,"links":2219},[2220,2221,2222],{"id":2141,"depth":122,"text":2142},{"id":2171,"depth":122,"text":2172},{"id":2181,"depth":122,"text":2182},"Mass payouts send money to many recipients from a single register. How they differ from refunds, who needs them and what to watch when automating.",{},"question-20","\u002Fen\u002Fquestions\u002Fwhat-are-mass-payouts","What are mass payouts and who needs them?",{"description":2223},"Mass payouts: what they are and who needs them",{"loc":2226},"what-are-mass-payouts","en\u002Fquestions\u002Fwhat-are-mass-payouts","chto-takoe-massovye-vyplaty","A3ZQKStPbReiTp0GNCZMcHeR_GnmZlFAPRBKAJbRhR0",{"id":2236,"title":2237,"answer":2238,"body":2239,"category":363,"description":2321,"extension":130,"meta":2322,"modifiedAt":132,"navigation":133,"pairId":2323,"path":2324,"publishedAt":1626,"question":2325,"relatedPath":1909,"seo":2326,"seoTitle":2327,"sitemap":2328,"slug":2329,"stem":2330,"translationSlug":2331,"__hash__":2332},"questions_en\u002Fen\u002Fquestions\u002Fhow-to-store-api-keys.md","How To Store Api Keys","Payment API keys belong on the server in environment variables or a secrets store — not in code, not in the repository, not in messengers. A key can create payments on behalf of your store, so a leak is equivalent to access to money.",{"type":9,"value":2240,"toc":2315},[2241,2243,2247,2273,2277,2280,2283,2287,2301,2305],[12,2242,2238],{},[15,2244,2246],{"id":2245},"where-to-keep-them","Where to keep them",[23,2248,2249,2255,2261,2267],{},[26,2250,2251,2254],{},[29,2252,2253],{},"Environment variables"," on the server — the minimum acceptable option.",[26,2256,2257,2260],{},[29,2258,2259],{},"A secrets store"," — once the infrastructure is more than one server.",[26,2262,2263,2266],{},[29,2264,2265],{},"Never in the repository."," Even a private repo is the wrong place: access is broader than it looks, and history keeps everything.",[26,2268,2269,2272],{},[29,2270,2271],{},"Never in the browser."," A secret key must not reach client-side code under any circumstances.",[15,2274,2276],{"id":2275},"who-should-have-access","Who should have access",[12,2278,2279],{},"The application needs the keys, plus one or two responsible people — not the whole team. A developer, a manager and an ad contractor should not share the same secret.",[12,2281,2282],{},"Lock down the dashboard too: staff permissions there deserve the same scoping.",[15,2284,2286],{"id":2285},"if-you-suspect-a-leak","If you suspect a leak",[47,2288,2289,2292,2295,2298],{},[26,2290,2291],{},"Issue a new key and switch the application to it.",[26,2293,2294],{},"Revoke the old one.",[26,2296,2297],{},"Review transactions for the period the key could have been exposed.",[26,2299,2300],{},"Work out how it leaked — otherwise it happens again.",[15,2302,2304],{"id":2303},"related","Related",[12,2306,2307,2308,2311,2312,119],{},"Never collect card numbers yourself: that is a separate requirement, covered in ",[110,2309,2310],{"href":1410},"what is PCI DSS",". Verifying incoming notification signatures is covered in ",[110,2313,2314],{"href":2012},"what is a webhook",{"title":121,"searchDepth":122,"depth":122,"links":2316},[2317,2318,2319,2320],{"id":2245,"depth":122,"text":2246},{"id":2275,"depth":122,"text":2276},{"id":2285,"depth":122,"text":2286},{"id":2303,"depth":122,"text":2304},"Payment API keys must not live in code or travel through messengers. Where to keep them, how to limit access and what to do after a leak.",{},"question-21","\u002Fen\u002Fquestions\u002Fhow-to-store-api-keys","How do you store payment API keys safely?",{"description":2321},"How to store payment API keys safely",{"loc":2324},"how-to-store-api-keys","en\u002Fquestions\u002Fhow-to-store-api-keys","kak-hranit-api-klyuchi","qaPdomPxbQPhlbPKqTCHbSnHVP2dm5mMoLoZdIaAs9E",{"id":2334,"title":2335,"answer":2336,"body":2337,"category":603,"description":2416,"extension":130,"meta":2417,"modifiedAt":132,"navigation":133,"pairId":2418,"path":2419,"publishedAt":1626,"question":2420,"relatedPath":595,"seo":2421,"seoTitle":2422,"sitemap":2423,"slug":2424,"stem":2425,"translationSlug":2426,"__hash__":2427},"questions_en\u002Fen\u002Fquestions\u002Fwhat-a-fiscal-receipt-must-contain.md","What A Fiscal Receipt Must Contain","A receipt needs clear names of what the customer is buying, quantities, prices, the VAT rate and the settlement method, plus a buyer contact for the copy. Generic wording like \"Service\" or \"Goods\" is a frequent source of complaints.",{"type":9,"value":2338,"toc":2411},[2339,2341,2345,2383,2387,2390,2395,2399,2402],[12,2340,2336],{},[15,2342,2344],{"id":2343},"what-goes-into-a-receipt","What goes into a receipt",[23,2346,2347,2353,2359,2365,2371,2377],{},[26,2348,2349,2352],{},[29,2350,2351],{},"Item name"," — what the person actually buys: \"Course: Layout Basics\", not \"Educational service\".",[26,2354,2355,2358],{},[29,2356,2357],{},"Quantity and price"," — per line item.",[26,2360,2361,2364],{},[29,2362,2363],{},"VAT rate"," — matching your tax regime.",[26,2366,2367,2370],{},[29,2368,2369],{},"Subject of settlement"," — goods, service, work and so on.",[26,2372,2373,2376],{},[29,2374,2375],{},"Settlement method"," — full payment, advance, partial payment.",[26,2378,2379,2382],{},[29,2380,2381],{},"Buyer contact"," — the email or phone the copy goes to.",[15,2384,2386],{"id":2385},"why-names-matter","Why names matter",[12,2388,2389],{},"The receipt is what the buyer sees after paying and produces if a dispute arises. Vague naming works against the merchant twice: as a breach of receipt requirements, and as a reason to call the bank when the customer cannot recall what they paid for.",[12,2391,2392,2393,119],{},"The same logic applies to the payment descriptor: the clearer it is, the fewer ",[110,2394,2107],{"href":135},[15,2396,2398],{"id":2397},"when-a-receipt-is-issued","When a receipt is issued",[12,2400,2401],{},"At every settlement with an individual — including refunds. With fiscalisation wired into payment acceptance, the receipt is created and delivered automatically, with no manual step.",[12,2403,1301,2404,2407,2408,119],{},[110,2405,2406],{"href":595},"the online cash register"," and ",[110,2409,2410],{"href":607},"does an online store need one",{"title":121,"searchDepth":122,"depth":122,"links":2412},[2413,2414,2415],{"id":2343,"depth":122,"text":2344},{"id":2385,"depth":122,"text":2386},{"id":2397,"depth":122,"text":2398},"Item names, quantity, price, VAT rate and the buyer's contact. What to pass into the receipt and why \"Service\" as an item name is a bad idea.",{},"question-22","\u002Fen\u002Fquestions\u002Fwhat-a-fiscal-receipt-must-contain","What must a fiscal receipt contain?",{"description":2416},"What a fiscal receipt for an online store must contain",{"loc":2419},"what-a-fiscal-receipt-must-contain","en\u002Fquestions\u002Fwhat-a-fiscal-receipt-must-contain","chto-dolzhno-byt-v-fiskalnom-cheke","hXxi4tSqRwcYex8O9_BavOJeY2lywGO1AcB_fqXNbh0",{"id":2429,"title":2430,"answer":2431,"body":2432,"category":363,"description":2499,"extension":130,"meta":2500,"modifiedAt":132,"navigation":133,"pairId":2501,"path":2502,"publishedAt":1626,"question":2503,"relatedPath":974,"seo":2504,"seoTitle":2505,"sitemap":2506,"slug":2507,"stem":2508,"translationSlug":2509,"__hash__":2510},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-card-tokenisation.md","What Is Card Tokenisation","Tokenisation replaces card details with a unique identifier that is useless to a fraudster on its own. The merchant stores the token rather than the card number and uses it for repeat charges: subscriptions, one-click payments, plan renewals.",{"type":9,"value":2433,"toc":2494},[2434,2436,2438,2452,2456,2480,2484,2491],[12,2435,2431],{},[15,2437,287],{"id":286},[47,2439,2440,2443,2446,2449],{},[26,2441,2442],{},"The buyer pays for the first time and agrees to save the payment method.",[26,2444,2445],{},"The provider stores the card on its side and returns a token to the store.",[26,2447,2448],{},"For the next charge the store sends the token, not the card details.",[26,2450,2451],{},"The card itself stays inside the provider's secure perimeter.",[15,2453,2455],{"id":2454},"what-it-gives-you","What it gives you",[23,2457,2458,2464,2474],{},[26,2459,2460,2463],{},[29,2461,2462],{},"Security."," Even if the store's database leaks, nobody can pay with a token.",[26,2465,2466,2469,2470,2473],{},[29,2467,2468],{},"Compliance."," The merchant never stores card data, and so avoids the full weight of ",[110,2471,2472],{"href":1410},"PCI DSS"," requirements.",[26,2475,2476,2479],{},[29,2477,2478],{},"Convenience."," A repeat purchase takes one click, with nothing to type.",[15,2481,2483],{"id":2482},"worth-remembering","Worth remembering",[12,2485,2486,2487,2490],{},"A token is tied to a specific card: when it is reissued, charges stop going through. That is one of the classic reasons ",[110,2488,2489],{"href":985},"subscriptions lapse"," — plan a retry and a notification to the customer.",[12,2492,2493],{},"And separately: consent to save a card must be explicit, and cancelling must not require contacting support.",{"title":121,"searchDepth":122,"depth":122,"links":2495},[2496,2497,2498],{"id":286,"depth":122,"text":287},{"id":2454,"depth":122,"text":2455},{"id":2482,"depth":122,"text":2483},"Tokenisation replaces card details with a safe identifier. How repeat charges work without the merchant ever storing a card number.",{},"question-23","\u002Fen\u002Fquestions\u002Fwhat-is-card-tokenisation","What is card tokenisation?",{"description":2499},"Card tokenisation: what it is and why it matters",{"loc":2502},"what-is-card-tokenisation","en\u002Fquestions\u002Fwhat-is-card-tokenisation","chto-takoe-tokenizaciya-karty","OVwdiY_6xChc0WNpGOuavLdUq87PoPH_VYQCga4iuLs",{"id":2512,"title":2513,"answer":2514,"body":2515,"category":128,"description":2592,"extension":130,"meta":2593,"modifiedAt":132,"navigation":133,"pairId":2594,"path":2595,"publishedAt":1626,"question":2596,"relatedPath":112,"seo":2597,"seoTitle":2598,"sitemap":2599,"slug":2600,"stem":2601,"translationSlug":2602,"__hash__":2603},"questions_en\u002Fen\u002Fquestions\u002Fwhat-to-do-about-a-duplicate-payment.md","What To Do About A Duplicate Payment","Return the extra payment without waiting for the customer to call their bank — issue the refund from your dashboard. The cause is usually technical: the buyer pressed the button twice, or the store never received the status of the first payment.",{"type":9,"value":2516,"toc":2587},[2517,2519,2523,2537,2542,2546,2564,2568,2582],[12,2518,2514],{},[15,2520,2522],{"id":2521},"what-to-do-straight-away","What to do straight away",[47,2524,2525,2528,2531,2534],{},[26,2526,2527],{},"Check the transactions: two payments for the same amount minutes apart are almost certainly a duplicate.",[26,2529,2530],{},"Refund the extra payment in full.",[26,2532,2533],{},"Write to the customer before they write to you — that defuses most of the conflict.",[26,2535,2536],{},"Check whether a dispute is already open; if so, coordinate the refund with the dispute process.",[12,2538,2539,2540,119],{},"If the payment has not settled yet, cancel instead of refunding — the difference is covered in a ",[110,2541,1203],{"href":267},[15,2543,2545],{"id":2544},"why-duplicates-happen","Why duplicates happen",[23,2547,2548,2551,2558,2561],{},[26,2549,2550],{},"The buyer hit \"Pay\" several times without waiting for a response.",[26,2552,2553,2554,2557],{},"The store never received the ",[110,2555,2556],{"href":2012},"webhook"," for the first payment and asked for payment again.",[26,2559,2560],{},"The customer returned to an old payment link and paid a second time.",[26,2562,2563],{},"Connectivity problems on the buyer's side: the page reloaded and the payment went twice.",[15,2565,2567],{"id":2566},"how-to-prevent-them","How to prevent them",[23,2569,2570,2573,2576,2579],{},[26,2571,2572],{},"Disable the pay button after the first click.",[26,2574,2575],{},"Treat the server-side payment status as the source of truth, not the buyer's return to a page.",[26,2577,2578],{},"Tie a payment to an order id and check whether it is already paid.",[26,2580,2581],{},"Limit how long payment links stay valid.",[12,2583,2584,2585,119],{},"The refund process is described in the ",[110,2586,113],{"href":112},{"title":121,"searchDepth":122,"depth":122,"links":2588},[2589,2590,2591],{"id":2521,"depth":122,"text":2522},{"id":2544,"depth":122,"text":2545},{"id":2566,"depth":122,"text":2567},"Duplicate payments happen when a button is pressed twice or a status is lost. How to return the extra payment and how to prevent duplicates.",{},"question-24","\u002Fen\u002Fquestions\u002Fwhat-to-do-about-a-duplicate-payment","What should you do when a customer pays twice?",{"description":2592},"A customer paid twice: what a merchant should do",{"loc":2595},"what-to-do-about-a-duplicate-payment","en\u002Fquestions\u002Fwhat-to-do-about-a-duplicate-payment","chto-delat-esli-klient-oplatil-dvazhdy","62zti0EKl10U2VzFaRPAtCfFzyNP2IMeMMCuwPuJDVo",{"id":2605,"title":2606,"answer":2607,"body":2608,"category":1529,"description":2678,"extension":130,"meta":2679,"modifiedAt":132,"navigation":133,"pairId":2680,"path":2681,"publishedAt":2682,"question":2683,"relatedPath":2684,"seo":2685,"seoTitle":2686,"sitemap":2687,"slug":2688,"stem":2689,"translationSlug":2690,"__hash__":2691},"questions_en\u002Fen\u002Fquestions\u002Fwhen-money-reaches-the-account.md","When Money Reaches The Account","A customer paying and money reaching the merchant are two different events. First the payment is confirmed by the buyer bank, then the funds go through settlement between the parties, and only after that they are paid out to your account on the agreed schedule.",{"type":9,"value":2609,"toc":2673},[2610,2612,2616,2636,2640,2651,2655,2666],[12,2611,2607],{},[15,2613,2615],{"id":2614},"what-the-timeline-consists-of","What the timeline consists of",[23,2617,2618,2624,2630],{},[26,2619,2620,2623],{},[29,2621,2622],{},"Authorisation."," The buyer bank checks the card and its limits — that takes seconds.",[26,2625,2626,2629],{},[29,2627,2628],{},"Settlement between parties."," The payment system and the acquiring bank reconcile the period.",[26,2631,2632,2635],{},[29,2633,2634],{},"Payout to the merchant."," Funds go to your settlement account or card on the agreed schedule.",[15,2637,2639],{"id":2638},"what-affects-the-speed","What affects the speed",[23,2641,2642,2645,2648],{},[26,2643,2644],{},"Weekends and holidays: interbank settlement does not run on those days.",[26,2646,2647],{},"A hold, if you enabled it yourself for one to seven days.",[26,2649,2650],{},"Refunds and disputes — they reduce the amount of the next payout.",[15,2652,2654],{"id":2653},"what-to-do-as-a-merchant","What to do as a merchant",[23,2656,2657,2660,2663],{},[26,2658,2659],{},"Look at the payout register in the dashboard rather than at individual payment statuses.",[26,2661,2662],{},"Reconcile by the register: the fee is withheld before the money is credited.",[26,2664,2665],{},"If a payout is late, start with the register — it shows whether it was generated at all.",[12,2667,2668,2669,119],{},"What to do when a payout is missing is covered separately in ",[110,2670,2672],{"href":2671},"\u002Fen\u002Fquestions\u002Fwhat-if-the-money-has-not-arrived","the money has not arrived",{"title":121,"searchDepth":122,"depth":122,"links":2674},[2675,2676,2677],{"id":2614,"depth":122,"text":2615},{"id":2638,"depth":122,"text":2639},{"id":2653,"depth":122,"text":2654},"A customer paying and money landing on your account are two different events. What the timeline consists of and why funds do not arrive instantly.",{},"question-25","\u002Fen\u002Fquestions\u002Fwhen-money-reaches-the-account","2026-08-17","When does the money reach the settlement account?","\u002Fen\u002Fgetpayments",{"description":2678},"When acquiring money reaches your account",{"loc":2681},"when-money-reaches-the-account","en\u002Fquestions\u002Fwhen-money-reaches-the-account","kogda-dengi-prihodyat-na-schet","9etaSs4oqVzzR4t6YpWh52W8CUq6eum3hc8p3VRhzVg",{"id":2693,"title":2694,"answer":2695,"body":2696,"category":1529,"description":2740,"extension":130,"meta":2741,"modifiedAt":132,"navigation":133,"pairId":2742,"path":2743,"publishedAt":2682,"question":2744,"relatedPath":2745,"seo":2746,"seoTitle":2747,"sitemap":2748,"slug":2749,"stem":2750,"translationSlug":2751,"__hash__":2752},"questions_en\u002Fen\u002Fquestions\u002Fis-the-fee-refunded.md","Is The Fee Refunded","The buyer receives the full purchase amount back — a refund is not reduced by the fee. Whether the merchant gets the fee on an already processed operation back depends on the contract: the work of processing the payment was done, so by common acquiring practice it stays withheld.",{"type":9,"value":2697,"toc":2736},[2698,2700,2704,2715,2719,2730],[12,2699,2695],{},[15,2701,2703],{"id":2702},"how-it-looks-in-money","How it looks in money",[23,2705,2706,2709,2712],{},[26,2707,2708],{},"The buyer receives the whole purchase amount, not the amount minus the fee.",[26,2710,2711],{},"The difference is covered by the merchant: the payment landed already net of the fee.",[26,2713,2714],{},"Partial refunds follow the same logic — the stated part of the purchase is returned.",[15,2716,2718],{"id":2717},"what-to-build-into-your-process","What to build into your process",[23,2720,2721,2724,2727],{},[26,2722,2723],{},"Budget for refunds if your cancellation rate is high: it is part of the cost of sales.",[26,2725,2726],{},"Cancel instead of refunding while the money has not been captured — then there is no operation at all.",[26,2728,2729],{},"Check the exact fee terms for refunds in your contract; they are fixed during onboarding.",[12,2731,2732,2733,119],{},"How a cancellation differs from a refund is covered ",[110,2734,2735],{"href":267},"separately",{"title":121,"searchDepth":122,"depth":122,"links":2737},[2738,2739],{"id":2702,"depth":122,"text":2703},{"id":2717,"depth":122,"text":2718},"The buyer gets the full purchase amount back, while the fee on a completed operation is a matter of contract. How to account for that in your pricing.",{},"question-26","\u002Fen\u002Fquestions\u002Fis-the-fee-refunded","Is the fee refunded when a payment is returned to the buyer?","\u002Fen\u002Ftarify",{"description":2740},"Is the acquiring fee refunded on a return",{"loc":2743},"is-the-fee-refunded","en\u002Fquestions\u002Fis-the-fee-refunded","vozvrashchaetsya-li-komissiya-pri-vozvrate","9iD5dVXM4SzzhzuIPDT7sR7xOXBjxfuOh0KcRGEG8CA",{"id":2754,"title":2755,"answer":2756,"body":2757,"category":1529,"description":2800,"extension":130,"meta":2801,"modifiedAt":132,"navigation":133,"pairId":2802,"path":2803,"publishedAt":2682,"question":2804,"relatedPath":2745,"seo":2805,"seoTitle":2806,"sitemap":2807,"slug":2808,"stem":2809,"translationSlug":2810,"__hash__":2811},"questions_en\u002Fen\u002Fquestions\u002Flimits-on-a-single-payment.md","Limits On A Single Payment","The minimum single operation is 10 roubles and the maximum is 300,000 roubles. The cap applies to an individual payment, not to turnover: there is no daily or monthly ceiling on accepting payments.",{"type":9,"value":2758,"toc":2796},[2759,2761,2765,2776,2780,2791],[12,2760,2756],{},[15,2762,2764],{"id":2763},"where-the-limits-come-from","Where the limits come from",[23,2766,2767,2770,2773],{},[26,2768,2769],{},"The lower bound guards against operations where the fee rivals the purchase itself.",[26,2771,2772],{},"The upper one follows payment system rules and the risk assessment of an operation.",[26,2774,2775],{},"The buyer bank limits apply on top: a card may decline even a smaller amount.",[15,2777,2779],{"id":2778},"what-to-do-with-a-large-order","What to do with a large order",[23,2781,2782,2785,2788],{},[26,2783,2784],{},"Split the payment — for example into a deposit and the balance.",[26,2786,2787],{},"Offer an invoice if the buyer is a legal entity.",[26,2789,2790],{},"Discuss individual terms during onboarding if large tickets are normal for you.",[12,2792,2793,2794,119],{},"Why a bank may decline a payment within the limits is covered ",[110,2795,2735],{"href":1094},{"title":121,"searchDepth":122,"depth":122,"links":2797},[2798,2799],{"id":2763,"depth":122,"text":2764},{"id":2778,"depth":122,"text":2779},"The minimum operation is 10 roubles and the maximum is 300,000 roubles. Where the limits come from and what to do with large orders.",{},"question-27","\u002Fen\u002Fquestions\u002Flimits-on-a-single-payment","What limits apply to a single payment?",{"description":2800},"Limits on a single acquiring payment",{"loc":2803},"limits-on-a-single-payment","en\u002Fquestions\u002Flimits-on-a-single-payment","kakie-limity-na-odin-platezh","DOHXHtN_I6AYkmEhQdUdVA9dtaMSrGyTSNdaSTFFDns",{"id":2813,"title":2814,"answer":2815,"body":2816,"category":1529,"description":2859,"extension":130,"meta":2860,"modifiedAt":132,"navigation":133,"pairId":2861,"path":2862,"publishedAt":2682,"question":2863,"relatedPath":2853,"seo":2864,"seoTitle":2865,"sitemap":2866,"slug":2867,"stem":2868,"translationSlug":2869,"__hash__":2870},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-payment-splitting.md","What Is Payment Splitting","Splitting is the automatic division of a single payment between several recipients. The buyer pays once, and the money separates immediately: the platform fee goes to the platform, the rest to the seller of the goods.",{"type":9,"value":2817,"toc":2855},[2818,2820,2822,2833,2837,2848],[12,2819,2815],{},[15,2821,1287],{"id":1286},[23,2823,2824,2827,2830],{},[26,2825,2826],{},"Marketplaces where independent stores sell on a shared storefront.",[26,2828,2829],{},"Service aggregators taking a percentage of a deal between a client and a provider.",[26,2831,2832],{},"Partner projects where revenue is divided by known shares.",[15,2834,2836],{"id":2835},"why-it-beats-manual-transfers","Why it beats manual transfers",[23,2838,2839,2842,2845],{},[26,2840,2841],{},"Money does not pile up on the platform account and become a liability to sellers.",[26,2843,2844],{},"No manual calculation and transfer of shares — the split rules are set in advance.",[26,2846,2847],{},"Reporting is clearer: the dashboard shows who received what on every operation.",[12,2849,2850,2851,119],{},"How this works in practice is on the ",[110,2852,2854],{"href":2853},"\u002Fen\u002Fmarketplaces","marketplace payments page",{"title":121,"searchDepth":122,"depth":122,"links":2856},[2857,2858],{"id":1286,"depth":122,"text":1287},{"id":2835,"depth":122,"text":2836},"Splitting divides one order between the platform and its sellers automatically. Who needs it and how it differs from manual transfers.",{},"question-28","\u002Fen\u002Fquestions\u002Fwhat-is-payment-splitting","What is payment splitting and who needs it?",{"description":2859},"Payment splitting: how an order amount is divided",{"loc":2862},"what-is-payment-splitting","en\u002Fquestions\u002Fwhat-is-payment-splitting","chto-takoe-splitovanie-platezha","4THYGQlXvT6BnAXyIXtGUMSgJirVSRX9-DY-LqaZMVY",{"id":2872,"title":2873,"answer":2874,"body":2875,"category":513,"description":2929,"extension":130,"meta":2930,"modifiedAt":132,"navigation":133,"pairId":2931,"path":2932,"publishedAt":2682,"question":2933,"relatedPath":2923,"seo":2934,"seoTitle":2935,"sitemap":2936,"slug":2937,"stem":2938,"translationSlug":2939,"__hash__":2940},"questions_en\u002Fen\u002Fquestions\u002Facquiring-versus-internet-acquiring.md","Acquiring Versus Internet Acquiring","Acquiring is accepting cashless payments in general, while internet acquiring is its online variety. In store acquiring the card physically meets a terminal; in internet acquiring the buyer enters the details on a secure page or pays by QR code.",{"type":9,"value":2876,"toc":2925},[2877,2879,2883,2903,2907,2918],[12,2878,2874],{},[15,2880,2882],{"id":2881},"the-practical-difference","The practical difference",[23,2884,2885,2891,2897],{},[26,2886,2887,2890],{},[29,2888,2889],{},"Hardware."," In-store acquiring needs a terminal; internet acquiring needs only a site or a link.",[26,2892,2893,2896],{},[29,2894,2895],{},"Confirmation."," In store the card proves the buyer is present; online 3-D Secure plays that role.",[26,2898,2899,2902],{},[29,2900,2901],{},"Risk."," Online has a higher dispute rate, so anti-fraud and item descriptions matter more.",[15,2904,2906],{"id":2905},"what-to-choose","What to choose",[23,2908,2909,2912,2915],{},[26,2910,2911],{},"Selling only online — internet acquiring is enough.",[26,2913,2914],{},"Running both a shop and a site — you will need both, connected separately.",[26,2916,2917],{},"Selling on the go — a QR code or a payment link replaces the terminal.",[12,2919,2920,2921,119],{},"How online payments work is on the ",[110,2922,2924],{"href":2923},"\u002Fen\u002Finternet-acquiring","internet acquiring page",{"title":121,"searchDepth":122,"depth":122,"links":2926},[2927,2928],{"id":2881,"depth":122,"text":2882},{"id":2905,"depth":122,"text":2906},"In-store acquiring means paying by card at a terminal; internet acquiring means paying online with no card in hand. The difference and what to choose.",{},"question-29","\u002Fen\u002Fquestions\u002Facquiring-versus-internet-acquiring","How does acquiring differ from internet acquiring?",{"description":2929},"Acquiring versus internet acquiring: the difference",{"loc":2932},"acquiring-versus-internet-acquiring","en\u002Fquestions\u002Facquiring-versus-internet-acquiring","chem-ekvayring-otlichaetsya-ot-internet-ekvayringa","UCjhIPC7LGivDbZoPrUZDRu7ex5uPiQNGuJAzPgIX5o",{"id":2942,"title":2943,"answer":2944,"body":2945,"category":513,"description":2988,"extension":130,"meta":2989,"modifiedAt":132,"navigation":133,"pairId":2990,"path":2991,"publishedAt":2682,"question":2992,"relatedPath":2993,"seo":2994,"seoTitle":2995,"sitemap":2996,"slug":2997,"stem":2998,"translationSlug":2999,"__hash__":3000},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-a-payment-gateway.md","What Is A Payment Gateway","A payment gateway is a technical intermediary that passes transaction data between the merchant site, banks and payment systems. It accepts the details, encrypts them, sends the charge request and returns the payment status to the store.",{"type":9,"value":2946,"toc":2984},[2947,2949,2953,2964,2968,2979],[12,2948,2944],{},[15,2950,2952],{"id":2951},"what-the-gateway-does","What the gateway does",[23,2954,2955,2958,2961],{},[26,2956,2957],{},"Accepts card details on its own secure page rather than on the merchant site.",[26,2959,2960],{},"Runs the operation through anti-fraud and triggers 3-D Secure confirmation.",[26,2962,2963],{},"Returns the result to the store and sends a notification to its server.",[15,2965,2967],{"id":2966},"how-it-differs-from-an-aggregator","How it differs from an aggregator",[23,2969,2970,2973,2976],{},[26,2971,2972],{},"The gateway is the technical part: the data channel and the processing of an operation.",[26,2974,2975],{},"The aggregator is the commercial one: the contract, the set of methods and settlement.",[26,2977,2978],{},"In practice one service usually provides both, so the words are often used as synonyms.",[12,2980,2981,2982,119],{},"How a payment aggregator differs from a bank is covered ",[110,2983,2735],{"href":744},{"title":121,"searchDepth":122,"depth":122,"links":2985},[2986,2987],{"id":2951,"depth":122,"text":2952},{"id":2966,"depth":122,"text":2967},"A payment gateway passes transaction data between the site, banks and payment systems. What it does and how it differs from an aggregator.",{},"question-30","\u002Fen\u002Fquestions\u002Fwhat-is-a-payment-gateway","What is a payment gateway and what is it for?","\u002Fen\u002Fpayment-gateway",{"description":2988},"What a payment gateway is and how it works",{"loc":2991},"what-is-a-payment-gateway","en\u002Fquestions\u002Fwhat-is-a-payment-gateway","chto-takoe-platezhnyy-shlyuz","RBn4z3-qXwV3nqmT3aNKQHTJpQ6KUJ0Lrco2PlLMyM4",{"id":3002,"title":3003,"answer":3004,"body":3005,"category":128,"description":3050,"extension":130,"meta":3051,"modifiedAt":132,"navigation":133,"pairId":3052,"path":3053,"publishedAt":2682,"question":3054,"relatedPath":3055,"seo":3056,"seoTitle":3057,"sitemap":3058,"slug":3059,"stem":3060,"translationSlug":3061,"__hash__":3062},"questions_en\u002Fen\u002Fquestions\u002Fhow-to-accept-payment-from-a-company.md","How To Accept Payment From A Company","A company has two routes: pay an issued invoice from its bank account, or pay by corporate card like any other buyer. The first is familiar to accounting, the second clears instantly and needs no waiting for a bank transfer.",{"type":9,"value":3006,"toc":3046},[3007,3009,3013,3024,3028,3039],[12,3008,3004],{},[15,3010,3012],{"id":3011},"paying-by-invoice","Paying by invoice",[23,3014,3015,3018,3021],{},[26,3016,3017],{},"Fits large amounts: per-card operation limits do not apply here.",[26,3019,3020],{},"Money takes longer — the transfer is processed by the buyer bank during business hours.",[26,3022,3023],{},"The buyer needs an invoice and closing documents, so the details must be exact.",[15,3025,3027],{"id":3026},"paying-by-corporate-card","Paying by corporate card",[23,3029,3030,3033,3036],{},[26,3031,3032],{},"Goes through as an ordinary payment — instantly and with a status notification.",[26,3034,3035],{},"Corporate cards are sometimes restricted by merchant category, so a decline is possible.",[26,3037,3038],{},"The receipt and documents are generated automatically, as with any other payment.",[12,3040,3041,3042,119],{},"What a company itself needs for onboarding is on the ",[110,3043,3045],{"href":3044},"\u002Fen\u002Fcompany-acquiring","company acquiring page",{"title":121,"searchDepth":122,"depth":122,"links":3047},[3048,3049],{"id":3011,"depth":122,"text":3012},{"id":3026,"depth":122,"text":3027},"A company can pay by invoice from its bank account or with a corporate card. How the two options differ, which one clears faster and what the buyer needs.",{},"question-31","\u002Fen\u002Fquestions\u002Fhow-to-accept-payment-from-a-company","How do I accept a payment from a company?","\u002Fen\u002Fekvajring-dlya-ooo",{"description":3050},"How to accept a payment from a company",{"loc":3053},"how-to-accept-payment-from-a-company","en\u002Fquestions\u002Fhow-to-accept-payment-from-a-company","kak-prinyat-oplatu-ot-yuridicheskogo-lica","tVrBnY1jIzfeaPJ7-oc0iK3jIb6vDOU9nYyjVHxunlg",{"id":3064,"title":3065,"answer":3066,"body":3067,"category":128,"description":3129,"extension":130,"meta":3130,"modifiedAt":132,"navigation":133,"pairId":3131,"path":3132,"publishedAt":2682,"question":3133,"relatedPath":3134,"seo":3135,"seoTitle":3136,"sitemap":3137,"slug":3138,"stem":3139,"translationSlug":3140,"__hash__":3141},"questions_en\u002Fen\u002Fquestions\u002Fhow-to-dispute-a-chargeback.md","How To Dispute A Chargeback","A chargeback can be disputed by presenting evidence that the obligations to the buyer were met. The decision is made neither by the merchant nor by the service but by the bank or the payment system — they look at the documents and at whether the merchant met the deadline.",{"type":9,"value":3068,"toc":3124},[3069,3071,3075,3089,3093,3104,3108,3119],[12,3070,3066],{},[15,3072,3074],{"id":3073},"what-to-collect","What to collect",[23,3076,3077,3080,3083,3086],{},[26,3078,3079],{},"Order confirmation: items, amount, date and buyer details.",[26,3081,3082],{},"Proof of fulfilment: a waybill, tracking number, acceptance act, service access or correspondence.",[26,3084,3085],{},"The refund and delivery terms published on the site at the time of purchase.",[26,3087,3088],{},"Correspondence with the buyer if you already offered a solution before the bank was involved.",[15,3090,3092],{"id":3091},"why-deadlines-decide-it","Why deadlines decide it",[23,3094,3095,3098,3101],{},[26,3096,3097],{},"The response window is limited — a missed deadline is an automatic loss.",[26,3099,3100],{},"Documents sent after the deadline are not considered at all.",[26,3102,3103],{},"So dispute notifications should go to a mailbox somebody actually reads daily.",[15,3105,3107],{"id":3106},"how-to-get-fewer-disputes","How to get fewer disputes",[23,3109,3110,3113,3116],{},[26,3111,3112],{},"Use a recognisable merchant name: buyers dispute what they cannot identify on a statement.",[26,3114,3115],{},"Keep refund terms and support contacts current on the site.",[26,3117,3118],{},"Answer requests faster than the buyer reaches their bank.",[12,3120,3121,3122,119],{},"What a chargeback is and how it differs from a refund is covered ",[110,3123,2735],{"href":135},{"title":121,"searchDepth":122,"depth":122,"links":3125},[3126,3127,3128],{"id":3073,"depth":122,"text":3074},{"id":3091,"depth":122,"text":3092},{"id":3106,"depth":122,"text":3107},"A merchant can dispute a chargeback by proving the order was fulfilled. Which documents to collect and why deadlines decide the outcome.",{},"question-32","\u002Fen\u002Fquestions\u002Fhow-to-dispute-a-chargeback","How do I dispute a chargeback and what documents are needed?","\u002Fen\u002Fsafe-deal",{"description":3129},"How to dispute a chargeback: documents and deadlines",{"loc":3132},"how-to-dispute-a-chargeback","en\u002Fquestions\u002Fhow-to-dispute-a-chargeback","kak-osporit-charjbek","zBxsrExQoHLTKlMMEXL_E5Q3jnvzcpSwEqlXu1j248c",{"id":3143,"title":3144,"answer":3145,"body":3146,"category":128,"description":3205,"extension":130,"meta":3206,"modifiedAt":132,"navigation":133,"pairId":3207,"path":2671,"publishedAt":2682,"question":3208,"relatedPath":2684,"seo":3209,"seoTitle":3210,"sitemap":3211,"slug":3212,"stem":3213,"translationSlug":3214,"__hash__":3215},"questions_en\u002Fen\u002Fquestions\u002Fwhat-if-the-money-has-not-arrived.md","What If The Money Has Not Arrived","A successful payment and money on your account are different events: settlement and payout generation happen in between. Before contacting support it is worth checking the operation status and the payout register in the dashboard — usually the answer is right there.",{"type":9,"value":3147,"toc":3201},[3148,3150,3154,3180,3184,3195],[12,3149,3145],{},[15,3151,3153],{"id":3152},"what-to-check-yourself","What to check yourself",[23,3155,3156,3162,3168,3174],{},[26,3157,3158,3161],{},[29,3159,3160],{},"Payment status."," The operation may be held if you enabled a hold of up to seven days.",[26,3163,3164,3167],{},[29,3165,3166],{},"Payout register."," It shows whether the payment made it into a payout and for which date.",[26,3169,3170,3173],{},[29,3171,3172],{},"Refunds."," An issued refund reduces the amount of the next payout.",[26,3175,3176,3179],{},[29,3177,3178],{},"Account details."," Outdated bank details are a common reason a payout does not go out.",[15,3181,3183],{"id":3182},"when-to-contact-support","When to contact support",[23,3185,3186,3189,3192],{},[26,3187,3188],{},"The payment succeeded, there is no hold, but it never reached the register.",[26,3190,3191],{},"The payout was generated, the date has passed, and the account shows nothing.",[26,3193,3194],{},"The register and the account differ by more than the fee.",[12,3196,3197,3198,119],{},"How settlement timing works is covered in ",[110,3199,3200],{"href":2681},"when money reaches the account",{"title":121,"searchDepth":122,"depth":122,"links":3202},[3203,3204],{"id":3152,"depth":122,"text":3153},{"id":3182,"depth":122,"text":3183},"A successful payment and a credited account are different events. Where to check the status, what to verify yourself and when to contact support.",{},"question-33","The payment went through but the money has not arrived — what now?",{"description":3205},"Payment succeeded but money has not arrived",{"loc":2671},"what-if-the-money-has-not-arrived","en\u002Fquestions\u002Fwhat-if-the-money-has-not-arrived","chto-delat-esli-dengi-ne-prishli","6CWdEfMKKJXhvpdDa0qIzb5b2ZlsqSPgawVqlwezu8U",{"id":3217,"title":3218,"answer":3219,"body":3220,"category":603,"description":3282,"extension":130,"meta":3283,"modifiedAt":132,"navigation":133,"pairId":3284,"path":3285,"publishedAt":2682,"question":3286,"relatedPath":2684,"seo":3287,"seoTitle":3288,"sitemap":3289,"slug":3290,"stem":3291,"translationSlug":3292,"__hash__":3293},"questions_en\u002Fen\u002Fquestions\u002Fwhat-cannot-be-sold-online.md","What Cannot Be Sold Online","Restrictions come from two directions: the law prohibits trade in certain goods, and payment systems additionally close categories with a high rate of disputes and fraud. The review looks not at the wording in the contract but at what is actually sold on the site.",{"type":9,"value":3221,"toc":3277},[3222,3224,3228,3242,3246,3257,3261,3272],[12,3223,3219],{},[15,3225,3227],{"id":3226},"almost-always-closed","Almost always closed",[23,3229,3230,3233,3236,3239],{},[26,3231,3232],{},"Goods restricted by law: weapons, narcotics, counterfeit products.",[26,3234,3235],{},"Gambling and lotteries without the corresponding licence.",[26,3237,3238],{},"Selling personal data, databases or account-hacking services.",[26,3240,3241],{},"Financial pyramids and promises of guaranteed returns.",[15,3243,3245],{"id":3244},"connected-with-restrictions","Connected with restrictions",[23,3247,3248,3251,3254],{},[26,3249,3250],{},"Categories with many disputes — for example info products with no clear description of the result.",[26,3252,3253],{},"Services with long fulfilment: the later the buyer sees a result, the higher the dispute risk.",[26,3255,3256],{},"Age-restricted goods, where the buyer has to be verified.",[15,3258,3260],{"id":3259},"why-the-site-is-reviewed","Why the site is reviewed",[23,3262,3263,3266,3269],{},[26,3264,3265],{},"The merchant category is assigned by the actual range of goods, not by the company name.",[26,3267,3268],{},"A mismatch between the declared activity and the site is a common reason for refusal.",[26,3270,3271],{},"If the range changes, it is worth reporting: the terms may need revisiting.",[12,3273,3274,3275,119],{},"Why a site may fail the review is covered ",[110,3276,2735],{"href":2122},{"title":121,"searchDepth":122,"depth":122,"links":3278},[3279,3280,3281],{"id":3226,"depth":122,"text":3227},{"id":3244,"depth":122,"text":3245},{"id":3259,"depth":122,"text":3260},"Some categories are closed by law, others by payment system rules. What will not pass onboarding and why the whole site is reviewed.",{},"question-34","\u002Fen\u002Fquestions\u002Fwhat-cannot-be-sold-online","Which goods and services cannot be sold through acquiring?",{"description":3282},"What cannot be sold through internet acquiring",{"loc":3285},"what-cannot-be-sold-online","en\u002Fquestions\u002Fwhat-cannot-be-sold-online","kakie-tovary-nelzya-prodavat","Sva1SFT2cxkvL6LBXKrm-Ld-pRT_p6IZS-d3_AMfC-c",{"id":3295,"title":3296,"answer":3297,"body":3298,"category":363,"description":3358,"extension":130,"meta":3359,"modifiedAt":132,"navigation":133,"pairId":3360,"path":3361,"publishedAt":2682,"question":3362,"relatedPath":2684,"seo":3363,"seoTitle":3364,"sitemap":3365,"slug":3366,"stem":3367,"translationSlug":3368,"__hash__":3369},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-anti-fraud.md","What Is Anti Fraud","Anti-fraud is a system that scores the risk of every operation before it goes through and stops the suspicious ones. It looks not at a single buyer but at behaviour: how many attempts in a row, from which country, how typical the amount and the item are for this merchant.",{"type":9,"value":3299,"toc":3353},[3300,3302,3306,3320,3324,3335,3337,3348],[12,3301,3297],{},[15,3303,3305],{"id":3304},"what-it-scores","What it scores",[23,3307,3308,3311,3314,3317],{},[26,3309,3310],{},"Attempt frequency: several declines in a row from different cards is a classic sign of carding.",[26,3312,3313],{},"Geography: a mismatch between card country, IP and delivery address raises the risk.",[26,3315,3316],{},"Amount and item: a ticket unusual for the merchant stands out against normal operations.",[26,3318,3319],{},"The history of the card and the device across the payment system network.",[15,3321,3323],{"id":3322},"why-it-fires-on-honest-buyers","Why it fires on honest buyers",[23,3325,3326,3329,3332],{},[26,3327,3328],{},"It estimates probability, not fact: some legitimate operations inevitably look suspicious.",[26,3330,3331],{},"A buyer may pay while travelling, from someone else device or through a VPN — all deviations from the norm.",[26,3333,3334],{},"A first purchase on a new card looks riskier than a repeat one.",[15,3336,2654],{"id":2653},[23,3338,3339,3342,3345],{},[26,3340,3341],{},"Do not ask the buyer to retry repeatedly: a series of declines only pushes the risk score up.",[26,3343,3344],{},"Offer another method — SBP or a payment link — instead of re-entering the same card.",[26,3346,3347],{},"Keep the item description and merchant name clear: mismatches deepen suspicion.",[12,3349,3350,3351,119],{},"Why a bank declines a payment with money on the card is covered ",[110,3352,2735],{"href":1094},{"title":121,"searchDepth":122,"depth":122,"links":3354},[3355,3356,3357],{"id":3304,"depth":122,"text":3305},{"id":3322,"depth":122,"text":3323},{"id":2653,"depth":122,"text":2654},"Anti-fraud scores the risk of every operation and stops the suspicious ones. What it looks at and why it sometimes fires on an honest buyer.",{},"question-35","\u002Fen\u002Fquestions\u002Fwhat-is-anti-fraud","What is anti-fraud and why does it decline payments?",{"description":3358},"Anti-fraud: why payments get declined",{"loc":3361},"what-is-anti-fraud","en\u002Fquestions\u002Fwhat-is-anti-fraud","chto-takoe-antifrod","KDlnNOyZkHrccFQbqy1TEie9AydiWmtTGxKRaimdCCc",{"id":3371,"title":3372,"answer":3373,"body":3374,"category":363,"description":3424,"extension":130,"meta":3425,"modifiedAt":132,"navigation":133,"pairId":3426,"path":3427,"publishedAt":2682,"question":3428,"relatedPath":3429,"seo":3430,"seoTitle":3431,"sitemap":3432,"slug":3433,"stem":3434,"translationSlug":3435,"__hash__":3436},"questions_en\u002Fen\u002Fquestions\u002Fwho-is-liable-for-a-fraudulent-payment.md","Who Is Liable For A Fraudulent Payment","Liability depends on whether the operation was confirmed through 3-D Secure. If the buyer passed confirmation at their bank, the fraud risk shifts to the issuing bank. Without confirmation, a disputed operation will most likely be charged back to the merchant.",{"type":9,"value":3375,"toc":3420},[3376,3378,3380,3400,3404,3415],[12,3377,3373],{},[15,3379,287],{"id":286},[23,3381,3382,3388,3394],{},[26,3383,3384,3387],{},[29,3385,3386],{},"With confirmation."," The buyer bank verified the identity, so it answers for a disputed operation.",[26,3389,3390,3393],{},[29,3391,3392],{},"Without confirmation."," The merchant took the risk, and a dispute returns the money at their expense.",[26,3395,3396,3399],{},[29,3397,3398],{},"Exceptions."," Some categories and operation types are governed by separate payment system rules.",[15,3401,3403],{"id":3402},"what-it-means-in-practice","What it means in practice",[23,3405,3406,3409,3412],{},[26,3407,3408],{},"Turning 3-D Secure off for conversion trades a few percent of declines for the full cost of disputes.",[26,3410,3411],{},"Dispute rates run higher for intangible goods: fulfilment is harder to prove.",[26,3413,3414],{},"The documents you collected for the order are the merchant only argument in a dispute.",[12,3416,3417,3418,119],{},"How to dispute a chargeback and what to collect is covered ",[110,3419,2735],{"href":3132},{"title":121,"searchDepth":122,"depth":122,"links":3421},[3422,3423],{"id":286,"depth":122,"text":287},{"id":3402,"depth":122,"text":3403},"Liability depends on whether 3-D Secure confirmation took place. When the loss falls on the merchant and when it falls on the bank.",{},"question-36","\u002Fen\u002Fquestions\u002Fwho-is-liable-for-a-fraudulent-payment","Who is liable if a payment turns out to be fraudulent?","\u002Fen\u002Fcard-payments",{"description":3424},"Who is liable for a fraudulent card payment",{"loc":3427},"who-is-liable-for-a-fraudulent-payment","en\u002Fquestions\u002Fwho-is-liable-for-a-fraudulent-payment","kto-otvechaet-za-moshennicheskiy-platezh","2wtBEQpMkZDVzB6G0pGjr954wtta9AjhOQ1oTL910_0",{"id":3438,"title":3439,"answer":3440,"body":3441,"category":363,"description":3500,"extension":130,"meta":3501,"modifiedAt":132,"navigation":133,"pairId":3502,"path":3503,"publishedAt":2682,"question":3504,"relatedPath":3505,"seo":3506,"seoTitle":3507,"sitemap":3508,"slug":3509,"stem":3510,"translationSlug":3511,"__hash__":3512},"questions_en\u002Fen\u002Fquestions\u002Fcan-i-store-card-details.md","Can I Store Card Details","A merchant cannot store full card details — that requires your own PCI DSS certification, and its requirements are out of proportion for an ordinary online store. Details are entered on the certified provider side, and repeat charges use a token.",{"type":9,"value":3442,"toc":3495},[3443,3445,3449,3460,3464,3475,3479,3490],[12,3444,3440],{},[15,3446,3448],{"id":3447},"what-must-not-be-stored","What must not be stored",[23,3450,3451,3454,3457],{},[26,3452,3453],{},"The full card number, expiry date and cardholder name together.",[26,3455,3456],{},"The CVC\u002FCVV code — it may not be stored at all, even encrypted.",[26,3458,3459],{},"Magnetic stripe or chip data, and authentication values.",[15,3461,3463],{"id":3462},"what-may-be-stored","What may be stored",[23,3465,3466,3469,3472],{},[26,3467,3468],{},"The token — an anonymised reference to the card used for repeat charges.",[26,3470,3471],{},"The last four digits and the card scheme — for your interface and support.",[26,3473,3474],{},"The operation id and status — for reconciliation and refunds.",[15,3476,3478],{"id":3477},"why-this-is-better-for-you","Why this is better for you",[23,3480,3481,3484,3487],{},[26,3482,3483],{},"A leaked token gives an attacker no means of payment: it is useless outside your store.",[26,3485,3486],{},"Certification and audits stay with the provider rather than your team.",[26,3488,3489],{},"The customer does not re-enter the card — subscriptions and repeat purchases keep working.",[12,3491,3492,3493,119],{},"How tokenisation works is covered ",[110,3494,2735],{"href":2502},{"title":121,"searchDepth":122,"depth":122,"links":3496},[3497,3498,3499],{"id":3447,"depth":122,"text":3448},{"id":3462,"depth":122,"text":3463},{"id":3477,"depth":122,"text":3478},"A merchant cannot store full card details without PCI DSS certification. What may be stored and how repeat charges work without the details.",{},"question-37","\u002Fen\u002Fquestions\u002Fcan-i-store-card-details","Can I store customer card details myself?","\u002Fen\u002Frecurring",{"description":3500},"Can card details be stored on your own server",{"loc":3503},"can-i-store-card-details","en\u002Fquestions\u002Fcan-i-store-card-details","mozhno-li-hranit-dannye-kart","Lwnrus7FjZ-X8QIfcC4GdiFHHPA9t0GQEd4YaMQJFHk",{"id":3514,"title":3515,"answer":3516,"body":3517,"category":363,"description":3576,"extension":130,"meta":3577,"modifiedAt":132,"navigation":133,"pairId":3578,"path":3579,"publishedAt":2682,"question":3580,"relatedPath":2684,"seo":3581,"seoTitle":3582,"sitemap":3583,"slug":3584,"stem":3585,"translationSlug":3586,"__hash__":3587},"questions_en\u002Fen\u002Fquestions\u002Fwhy-two-factor-authentication.md","Why Two Factor Authentication","The dashboard controls real money: refunds are issued there, payout details are changed there and API keys are created there. A password is the only barrier, and a second factor turns a stolen password from a disaster into an inconvenience.",{"type":9,"value":3518,"toc":3571},[3519,3521,3525,3536,3540,3551,3555,3566],[12,3520,3516],{},[15,3522,3524],{"id":3523},"what-the-second-factor-protects","What the second factor protects",[23,3526,3527,3530,3533],{},[26,3528,3529],{},"Payout details: swapping the bank account is the fastest way to divert a merchant money.",[26,3531,3532],{},"API keys: with them one can create payments and read operation data.",[26,3534,3535],{},"Refunds: mass refunds to someone else cards look like ordinary store activity.",[15,3537,3539],{"id":3538},"why-a-password-is-not-enough","Why a password is not enough",[23,3541,3542,3545,3548],{},[26,3543,3544],{},"Passwords leak together with any other service where they were reused.",[26,3546,3547],{},"A phishing page collects a password just as easily as the real login form.",[26,3549,3550],{},"An infected employee computer hands the password over without their involvement.",[15,3552,3554],{"id":3553},"what-to-do-today","What to do today",[23,3556,3557,3560,3563],{},[26,3558,3559],{},"Turn on two-factor authentication in the account settings.",[26,3561,3562],{},"Give employees individual accounts instead of one shared password.",[26,3564,3565],{},"Assign roles by task: an accountant needs no API keys, a developer needs no payouts.",[12,3567,3568,3569,119],{},"How to handle API keys safely is covered ",[110,3570,2735],{"href":2324},{"title":121,"searchDepth":122,"depth":122,"links":3572},[3573,3574,3575],{"id":3523,"depth":122,"text":3524},{"id":3538,"depth":122,"text":3539},{"id":3553,"depth":122,"text":3554},"The dashboard controls money and keys, so a password is not enough. What the second factor protects and why the whole team should have it on.",{},"question-38","\u002Fen\u002Fquestions\u002Fwhy-two-factor-authentication","Why enable two-factor authentication in the dashboard?",{"description":3576},"Two-factor authentication in the merchant dashboard",{"loc":3579},"why-two-factor-authentication","en\u002Fquestions\u002Fwhy-two-factor-authentication","zachem-nuzhna-dvuhfaktornaya-autentifikaciya","Gvgol-d1LPg9ByN5esZQWgJddCLRSTMomw6awfk-a30",{"id":3589,"title":3590,"answer":3591,"body":3592,"category":363,"description":3652,"extension":130,"meta":3653,"modifiedAt":132,"navigation":133,"pairId":3654,"path":3655,"publishedAt":2682,"question":3656,"relatedPath":3657,"seo":3658,"seoTitle":3659,"sitemap":3660,"slug":3661,"stem":3662,"translationSlug":3663,"__hash__":3664},"questions_en\u002Fen\u002Fquestions\u002Fwhy-webhooks-are-signed.md","Why Webhooks Are Signed","The address that receives payment notifications is available to anyone who knows it. Without an authenticity check the store would trust an outside request too — so the notification is signed with the secret key, and the handler on the store side must verify that signature.",{"type":9,"value":3593,"toc":3647},[3594,3596,3600,3611,3615,3626,3630,3641],[12,3595,3591],{},[15,3597,3599],{"id":3598},"what-happens-without-verification","What happens without verification",[23,3601,3602,3605,3608],{},[26,3603,3604],{},"Anyone who knows the handler address and an order id can post a \"successful payment\" to it.",[26,3606,3607],{},"The store marks the order paid and ships the goods, while no money arrives.",[26,3609,3610],{},"The discrepancy surfaces only when reconciling with the payout register — that is, late.",[15,3612,3614],{"id":3613},"how-the-signature-is-verified","How the signature is verified",[23,3616,3617,3620,3623],{},[26,3618,3619],{},"The secret key is known only to you and the service — it is never sent in API requests.",[26,3621,3622],{},"A checksum is computed from the notification body and the key and passed in a header.",[26,3624,3625],{},"The handler computes it too and compares: on mismatch the request is rejected with 401.",[15,3627,3629],{"id":3628},"what-to-check-in-your-code","What to check in your code",[23,3631,3632,3635,3638],{},[26,3633,3634],{},"The signature is verified before anything is done with the order, not after.",[26,3636,3637],{},"Comparison uses a timing-safe function rather than plain string equality.",[26,3639,3640],{},"A failed request is rejected rather than silently ignored — otherwise nobody notices the problem.",[12,3642,3643,3644,119],{},"What to do if the secret key leaks is covered ",[110,3645,2735],{"href":3646},"\u002Fen\u002Fquestions\u002Fwhat-if-the-secret-key-leaks",{"title":121,"searchDepth":122,"depth":122,"links":3648},[3649,3650,3651],{"id":3598,"depth":122,"text":3599},{"id":3613,"depth":122,"text":3614},{"id":3628,"depth":122,"text":3629},"The webhook address is available to anyone who knows your site. Why the notification is signed and why the store must verify the signature itself.",{},"question-39","\u002Fen\u002Fquestions\u002Fwhy-webhooks-are-signed","Why are payment notifications signed?","\u002Fen\u002Fpayment-api",{"description":3652},"Webhook signature: why a store needs it",{"loc":3655},"why-webhooks-are-signed","en\u002Fquestions\u002Fwhy-webhooks-are-signed","zachem-podpisyvayutsya-vebhuki","kIz01y9uA6vIGdRJ5gYlfFu3DWIWUWxo8JMF5kHVlw4",{"id":3666,"title":3667,"answer":3668,"body":3669,"category":363,"description":3731,"extension":130,"meta":3732,"modifiedAt":132,"navigation":133,"pairId":3733,"path":3646,"publishedAt":2682,"question":3734,"relatedPath":3657,"seo":3735,"seoTitle":3736,"sitemap":3737,"slug":3738,"stem":3739,"translationSlug":3740,"__hash__":3741},"questions_en\u002Fen\u002Fquestions\u002Fwhat-if-the-secret-key-leaks.md","What If The Secret Key Leaks","Reissue the key in the dashboard: the old value stops working immediately and the new one is shown once. After that, update it everywhere it is configured and check whether anyone managed to use the leak.",{"type":9,"value":3670,"toc":3726},[3671,3673,3677,3691,3695,3706,3710,3721],[12,3672,3668],{},[15,3674,3676],{"id":3675},"the-order-of-actions","The order of actions",[23,3678,3679,3682,3685,3688],{},[26,3680,3681],{},"Reissue the key in the store keys section and save the new value at once — it will not be shown again.",[26,3683,3684],{},"Update it in module settings, environment variables and any service that calls the API.",[26,3686,3687],{},"Review operations since the leak: look for payments and refunds you did not initiate.",[26,3689,3690],{},"Change passwords and enable two-factor authentication if dashboard access leaked too.",[15,3692,3694],{"id":3693},"how-to-tell-the-key-leaked","How to tell the key leaked",[23,3696,3697,3700,3703],{},[26,3698,3699],{},"The key showed up in a repository, a chat or a screenshot.",[26,3701,3702],{},"Operations appeared that none of your services created.",[26,3704,3705],{},"Notifications arrive at an address you never configured.",[15,3707,3709],{"id":3708},"how-to-avoid-a-repeat","How to avoid a repeat",[23,3711,3712,3715,3718],{},[26,3713,3714],{},"Keep keys in environment variables, not in code or version-controlled configs.",[26,3716,3717],{},"Give separate keys to separate services so revoking one does not stop everything.",[26,3719,3720],{},"Reissue keys when an employee with access leaves.",[12,3722,3723,3724,119],{},"How to store keys so this does not happen is covered ",[110,3725,2735],{"href":2324},{"title":121,"searchDepth":122,"depth":122,"links":3727},[3728,3729,3730],{"id":3675,"depth":122,"text":3676},{"id":3693,"depth":122,"text":3694},{"id":3708,"depth":122,"text":3709},"The key is reissued in the dashboard and the old one stops working at once. The order of actions and how to tell the key leaked at all.",{},"question-40","What to do if the secret key ends up in the wrong hands?",{"description":3731},"The secret key leaked: what a merchant should do",{"loc":3646},"what-if-the-secret-key-leaks","en\u002Fquestions\u002Fwhat-if-the-secret-key-leaks","chto-delat-esli-utek-sekretnyy-klyuch","yyKwnVCuuF-Ie0sWARmhx-6P865pXEVJ7VS_ZP_3Zo0",{"id":3743,"title":3744,"answer":3745,"body":3746,"category":363,"description":3806,"extension":130,"meta":3807,"modifiedAt":132,"navigation":133,"pairId":3808,"path":3809,"publishedAt":2682,"question":3810,"relatedPath":3811,"seo":3812,"seoTitle":3813,"sitemap":3814,"slug":3815,"stem":3816,"translationSlug":3817,"__hash__":3818},"questions_en\u002Fen\u002Fquestions\u002Fare-payment-links-safe.md","Are Payment Links Safe","Yes: the link opens the payment provider secure page rather than the merchant site. Card details are entered in the same place as when paying in an online store, and the merchant never sees them — only the operation status.",{"type":9,"value":3747,"toc":3801},[3748,3750,3754,3765,3769,3780,3784,3795],[12,3749,3745],{},[15,3751,3753],{"id":3752},"what-makes-a-link-safe","What makes a link safe",[23,3755,3756,3759,3762],{},[26,3757,3758],{},"The checkout page opens on the provider domain with a valid certificate.",[26,3760,3761],{},"Card data never passes through the merchant server and is not stored there.",[26,3763,3764],{},"The operation is confirmed by 3-D Secure just like an ordinary payment on a site.",[15,3766,3768],{"id":3767},"what-a-buyer-should-check","What a buyer should check",[23,3770,3771,3774,3777],{},[26,3772,3773],{},"The page address: the domain must belong to the payment service, not merely resemble it.",[26,3775,3776],{},"The amount and purpose: both are visible before confirmation and must match what was agreed.",[26,3778,3779],{},"The connection lock in the address bar — a checkout page without it is not worth using.",[15,3781,3783],{"id":3782},"what-a-merchant-should-remember","What a merchant should remember",[23,3785,3786,3789,3792],{},[26,3787,3788],{},"Send the link through a channel where the buyer expects a message from you.",[26,3790,3791],{},"Never ask for card details in reply — no payment service ever does that.",[26,3793,3794],{},"Set an expiry if the payment is expected soon.",[12,3796,3797,3798,119],{},"How to spot a fake checkout page is covered ",[110,3799,2735],{"href":3800},"\u002Fen\u002Fquestions\u002Fhow-to-spot-a-phishing-checkout",{"title":121,"searchDepth":122,"depth":122,"links":3802},[3803,3804,3805],{"id":3752,"depth":122,"text":3753},{"id":3767,"depth":122,"text":3768},{"id":3782,"depth":122,"text":3783},"A link leads to the provider secure page, not the merchant site. What makes it safe, what a buyer should check and what a merchant should never ask for.",{},"question-41","\u002Fen\u002Fquestions\u002Fare-payment-links-safe","Is accepting payment by link safe?","\u002Fen\u002Fpayment-link",{"description":3806},"Are payment links safe to use",{"loc":3809},"are-payment-links-safe","en\u002Fquestions\u002Fare-payment-links-safe","bezopasna-li-oplata-po-ssylke","dxpF2jqHRkQy6PnmiwrhSL91RA5GMgPIuN46GtQAI9M",{"id":3820,"title":3821,"answer":3822,"body":3823,"category":363,"description":3866,"extension":130,"meta":3867,"modifiedAt":132,"navigation":133,"pairId":3868,"path":3869,"publishedAt":2682,"question":3870,"relatedPath":2923,"seo":3871,"seoTitle":3872,"sitemap":3873,"slug":3874,"stem":3875,"translationSlug":3876,"__hash__":3877},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-a-pci-dss-saq.md","What Is A Pci Dss Saq","An SAQ (Self-Assessment Questionnaire) is the PCI DSS self-assessment form. The merchant fills it in, but its size depends on how payments are accepted: if card details are entered on the certified provider side, the merchant gets the shortest version.",{"type":9,"value":3824,"toc":3862},[3825,3827,3831,3842,3846,3857],[12,3826,3822],{},[15,3828,3830],{"id":3829},"what-drives-the-size","What drives the size",[23,3832,3833,3836,3839],{},[26,3834,3835],{},"Card data is entered on the provider page — the assessed scope is minimal.",[26,3837,3838],{},"The form is embedded into the merchant site — more questions and stricter site requirements.",[26,3840,3841],{},"The merchant accepts and stores details themselves — that is full certification, not a questionnaire.",[15,3843,3845],{"id":3844},"what-is-required-either-way","What is required either way",[23,3847,3848,3851,3854],{},[26,3849,3850],{},"A valid HTTPS certificate on the site.",[26,3852,3853],{},"No card data in logs, emails or messengers.",[26,3855,3856],{},"Limited employee access to payment data and keys.",[12,3858,3859,3860,119],{},"What PCI DSS is and what provider certification gives you is covered ",[110,3861,2735],{"href":1410},{"title":121,"searchDepth":122,"depth":122,"links":3863},[3864,3865],{"id":3829,"depth":122,"text":3830},{"id":3844,"depth":122,"text":3845},"An SAQ is the PCI DSS self-assessment questionnaire. Which version applies to an online store and why it is short when the provider hosts checkout.",{},"question-42","\u002Fen\u002Fquestions\u002Fwhat-is-a-pci-dss-saq","What is an SAQ and does the merchant fill it in?",{"description":3866},"PCI DSS SAQ: what it is and who fills it in",{"loc":3869},"what-is-a-pci-dss-saq","en\u002Fquestions\u002Fwhat-is-a-pci-dss-saq","chto-takoe-saq-pci-dss","-yBeZP_MSRMFZnIVbL__AbeargIfdK-Ll3-MKx196A0",{"id":3879,"title":3880,"answer":3881,"body":3882,"category":363,"description":3941,"extension":130,"meta":3942,"modifiedAt":132,"navigation":133,"pairId":3943,"path":3800,"publishedAt":2682,"question":3944,"relatedPath":3945,"seo":3946,"seoTitle":3947,"sitemap":3948,"slug":3949,"stem":3950,"translationSlug":3951,"__hash__":3952},"questions_en\u002Fen\u002Fquestions\u002Fhow-to-spot-a-phishing-checkout.md","How To Spot A Phishing Checkout","Looks are easy to copy; the domain and the certificate are not. A genuine checkout page opens on the payment service domain over HTTPS, shows the amount and the purpose of the payment, and never asks for data a payment does not need.",{"type":9,"value":3883,"toc":3936},[3884,3886,3890,3901,3905,3916,3920,3931],[12,3885,3881],{},[15,3887,3889],{"id":3888},"what-to-check","What to check",[23,3891,3892,3895,3898],{},[26,3893,3894],{},"The domain in the address bar: fakes use lookalike names with extra words and hyphens.",[26,3896,3897],{},"An HTTPS connection with a valid certificate.",[26,3899,3900],{},"The amount and purpose matching what was agreed.",[15,3902,3904],{"id":3903},"what-should-raise-an-alarm","What should raise an alarm",[23,3906,3907,3910,3913],{},[26,3908,3909],{},"A request for your card PIN, an SMS code on a third-party site, or your online banking password.",[26,3911,3912],{},"A page opened from an email about an \"unexpected refund\" or a \"blocked card\".",[26,3914,3915],{},"Pressure to hurry: \"pay within two minutes or the order is cancelled\".",[15,3917,3919],{"id":3918},"what-a-merchant-can-do","What a merchant can do",[23,3921,3922,3925,3928],{},[26,3923,3924],{},"Send links only from an account or address the buyer already knows.",[26,3926,3927],{},"Publish how your checkout works and which domain it uses.",[26,3929,3930],{},"Never ask a buyer to send card details in a chat.",[12,3932,3933,3934,119],{},"Whether payment links are safe is covered ",[110,3935,2735],{"href":3809},{"title":121,"searchDepth":122,"depth":122,"links":3937},[3938,3939,3940],{"id":3888,"depth":122,"text":3889},{"id":3903,"depth":122,"text":3904},{"id":3918,"depth":122,"text":3919},"A fake page copies the look of a real one but cannot fake the domain and certificate. What to check and what should raise an alarm.",{},"question-43","How do I spot a fake checkout page?","\u002Fen\u002Fpayment-widget",{"description":3941},"How to spot a fake checkout page",{"loc":3800},"how-to-spot-a-phishing-checkout","en\u002Fquestions\u002Fhow-to-spot-a-phishing-checkout","kak-otlichit-fishingovuyu-stranicu-oplaty","fTY8rVJf-Uhq0_NYzRlLqjMNu33rXO2G1opBd0LFn4A",{"id":3954,"title":3955,"answer":3956,"body":3957,"category":363,"description":4004,"extension":130,"meta":4005,"modifiedAt":132,"navigation":133,"pairId":4006,"path":4007,"publishedAt":2682,"question":4008,"relatedPath":4009,"seo":4010,"seoTitle":4011,"sitemap":4012,"slug":4013,"stem":4014,"translationSlug":4015,"__hash__":4016},"questions_en\u002Fen\u002Fquestions\u002Fdoes-my-site-need-https.md","Does My Site Need Https","Yes, and without it payments will not be connected at all. HTTPS is a payment data security standard requirement and one of the first things checked during the site review. Without a certificate the browser marks the page insecure and the buyer never reaches checkout.",{"type":9,"value":3958,"toc":4000},[3959,3961,3965,3976,3980,3994],[12,3960,3956],{},[15,3962,3964],{"id":3963},"why-it-is-mandatory","Why it is mandatory",[23,3966,3967,3970,3973],{},[26,3968,3969],{},"An unencrypted connection can be read and tampered with on the way to the site.",[26,3971,3972],{},"A checkout page will not open embedded in an insecure context.",[26,3974,3975],{},"Onboarding review rejects sites without a valid certificate.",[15,3977,3979],{"id":3978},"what-to-check-on-your-side","What to check on your side",[23,3981,3982,3985,3988,3991],{},[26,3983,3984],{},"The certificate is valid and not expired — renewal is usually automatic but fails silently.",[26,3986,3987],{},"The whole site serves over HTTPS, not just the cart page.",[26,3989,3990],{},"No mixed content: images and scripts loaded over HTTP.",[26,3992,3993],{},"HTTP requests redirect to HTTPS rather than serving a duplicate page.",[12,3995,3996,3997,119],{},"What else is checked during onboarding is covered in ",[110,3998,3999],{"href":2122},"why a site fails the review",{"title":121,"searchDepth":122,"depth":122,"links":4001},[4002,4003],{"id":3963,"depth":122,"text":3964},{"id":3978,"depth":122,"text":3979},"Without HTTPS payments will not be connected: it is a standard requirement and part of the review. Why that is and what to check on your site.",{},"question-44","\u002Fen\u002Fquestions\u002Fdoes-my-site-need-https","Does my site need an HTTPS certificate to accept payments?","\u002Fen\u002Fshop-acquiring",{"description":4004},"Does a site need HTTPS to accept payments",{"loc":4007},"does-my-site-need-https","en\u002Fquestions\u002Fdoes-my-site-need-https","nuzhen-li-sertifikat-https","4ScPa1BxTJqug0HiADd5pIKvb8OQ555zdkxGH-4oGOc",{"id":4018,"title":4019,"answer":4020,"body":4021,"category":513,"description":4087,"extension":130,"meta":4088,"modifiedAt":132,"navigation":133,"pairId":4089,"path":4090,"publishedAt":2682,"question":4091,"relatedPath":2923,"seo":4092,"seoTitle":4093,"sitemap":4094,"slug":4095,"stem":4096,"translationSlug":4097,"__hash__":4098},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-acquiring.md","What Is Acquiring","Acquiring is accepting cashless payments in favour of a merchant. The buyer pays by card or through a faster payments system, the money travels through banks and the payment system, and it reaches the merchant account already net of the fee.",{"type":9,"value":4022,"toc":4082},[4023,4025,4027,4047,4051,4062,4066,4077],[12,4024,4020],{},[15,4026,1430],{"id":1429},[23,4028,4029,4035,4041],{},[26,4030,4031,4034],{},[29,4032,4033],{},"The buyer and their bank."," The issuing bank produced the card and decides whether to allow the operation.",[26,4036,4037,4040],{},[29,4038,4039],{},"The merchant and their provider."," Accepts payment, passes the data and credits the account.",[26,4042,4043,4046],{},[29,4044,4045],{},"The payment system."," Sets the rules by which the banks settle with each other.",[15,4048,4050],{"id":4049},"what-the-fee-pays-for","What the fee pays for",[23,4052,4053,4056,4059],{},[26,4054,4055],{},"The largest share goes to the buyer bank — for the risk and card servicing.",[26,4057,4058],{},"Part stays with the payment system for the rules and routing of an operation.",[26,4060,4061],{},"The rest goes to the provider for accepting payments, support and refunds.",[15,4063,4065],{"id":4064},"what-a-merchant-needs-to-start","What a merchant needs to start",[23,4067,4068,4071,4074],{},[26,4069,4070],{},"A site or another sales channel — a payment link works without a site at all.",[26,4072,4073],{},"Bank details for receiving payouts.",[26,4075,4076],{},"A contract with the provider and a clear description of what you sell.",[12,4078,4079,4080,119],{},"How internet acquiring differs from in-store is covered ",[110,4081,2735],{"href":2932},{"title":121,"searchDepth":122,"depth":122,"links":4083},[4084,4085,4086],{"id":1429,"depth":122,"text":1430},{"id":4049,"depth":122,"text":4050},{"id":4064,"depth":122,"text":4065},"Acquiring means accepting cashless payments for a merchant. Who takes part in the payment chain and what each party earns from the fee.",{},"question-45","\u002Fen\u002Fquestions\u002Fwhat-is-acquiring","What is acquiring in plain words?",{"description":4087},"What acquiring is in plain words",{"loc":4090},"what-is-acquiring","en\u002Fquestions\u002Fwhat-is-acquiring","chto-takoe-ekvayring","Nbj5Tw8K3QYJRv8UzFHH0xcd87aS3FaJLEupTKHaeSY",{"id":4100,"title":4101,"answer":4102,"body":4103,"category":513,"description":4151,"extension":130,"meta":4152,"modifiedAt":132,"navigation":133,"pairId":4153,"path":4154,"publishedAt":2682,"question":4155,"relatedPath":3429,"seo":4156,"seoTitle":4157,"sitemap":4158,"slug":4159,"stem":4160,"translationSlug":4161,"__hash__":4162},"questions_en\u002Fen\u002Fquestions\u002Fhow-a-card-payment-works.md","How A Card Payment Works","Several stages sit between the button and money on the account: card checks, buyer confirmation, authorisation of the amount, capture and settlement between banks. For the buyer it is seconds; for the merchant it is a chain where every link can fail.",{"type":9,"value":4104,"toc":4147},[4105,4107,4111,4128,4132,4143],[12,4106,4102],{},[15,4108,4110],{"id":4109},"the-path-of-a-payment","The path of a payment",[23,4112,4113,4116,4119,4122,4125],{},[26,4114,4115],{},"The buyer enters the details on the provider secure page.",[26,4117,4118],{},"The operation passes anti-fraud and 3-D Secure confirmation at the buyer bank.",[26,4120,4121],{},"The bank reserves the amount on the card — that is authorisation, not yet a charge.",[26,4123,4124],{},"The capture is confirmed and the store receives a status notification.",[26,4126,4127],{},"Settlement between banks completes and the money goes to the merchant.",[15,4129,4131],{"id":4130},"where-it-usually-breaks","Where it usually breaks",[23,4133,4134,4137,4140],{},[26,4135,4136],{},"At confirmation: the buyer never got or never entered the bank code.",[26,4138,4139],{},"At anti-fraud: the operation looks unusual for the card or for the merchant.",[26,4141,4142],{},"On the store side: the notification never arrived and the order stayed unpaid in the system.",[12,4144,3350,4145,119],{},[110,4146,2735],{"href":1094},{"title":121,"searchDepth":122,"depth":122,"links":4148},[4149,4150],{"id":4109,"depth":122,"text":4110},{"id":4130,"depth":122,"text":4131},"Several stages sit between the button and money on the account. The path of a payment, what happens at each step and where it most often breaks.",{},"question-46","\u002Fen\u002Fquestions\u002Fhow-a-card-payment-works","What happens between the Pay button and the money arriving?",{"description":4151},"How a card payment works on a website",{"loc":4154},"how-a-card-payment-works","en\u002Fquestions\u002Fhow-a-card-payment-works","kak-prohodit-oplata-kartoy-na-sayte","5r3sJGD1znfzT-hVH2Mrnp521nMK0L5fW0HU2bELeVI",{"id":4164,"title":4165,"answer":4166,"body":4167,"category":513,"description":4212,"extension":130,"meta":4213,"modifiedAt":132,"navigation":133,"pairId":4214,"path":4215,"publishedAt":2682,"question":4216,"relatedPath":4206,"seo":4217,"seoTitle":4218,"sitemap":4219,"slug":4220,"stem":4221,"translationSlug":4222,"__hash__":4223},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-one-click-payment.md","What Is One Click Payment","One-click payment is when the buyer banking app supplies the details and all they do is confirm. Neither the card number nor the code on the back has to be typed, so there are fewer steps before confirmation.",{"type":9,"value":4168,"toc":4208},[4169,4171,4175,4186,4190,4201],[12,4170,4166],{},[15,4172,4174],{"id":4173},"how-it-differs-from-ordinary-checkout","How it differs from ordinary checkout",[23,4176,4177,4180,4183],{},[26,4178,4179],{},"Card details are not typed manually: the banking app passes them.",[26,4181,4182],{},"Confirmation happens inside an interface the buyer already knows.",[26,4184,4185],{},"Fewer steps mean fewer chances to abandon the payment halfway.",[15,4187,4189],{"id":4188},"what-a-store-should-enable","What a store should enable",[23,4191,4192,4195,4198],{},[26,4193,4194],{},"SberPay and T-Pay — for customers of the corresponding banks.",[26,4196,4197],{},"QR payments through the faster payments system, which also skip card entry.",[26,4199,4200],{},"A plain card form as a fallback: Pay services are not available to everyone.",[12,4202,4203,4204,119],{},"How to enable one-click payment is on the ",[110,4205,4207],{"href":4206},"\u002Fen\u002Ftpay-sberpay","SberPay and T-Pay page",{"title":121,"searchDepth":122,"depth":122,"links":4209},[4210,4211],{"id":4173,"depth":122,"text":4174},{"id":4188,"depth":122,"text":4189},"Pay services fill in the details from the banking app, leaving the buyer only to confirm. How it differs from typing a card in.",{},"question-47","\u002Fen\u002Fquestions\u002Fwhat-is-one-click-payment","What is one-click payment and why is it convenient?",{"description":4212},"One-click payment: how it works and what it gives",{"loc":4215},"what-is-one-click-payment","en\u002Fquestions\u002Fwhat-is-one-click-payment","chto-takoe-oplata-v-odin-klik","b8MUguGaMOWpmnAGUv53Q688UjDIyAXZ3hirQpDpqQo",{"id":4225,"title":4226,"answer":4227,"body":4228,"category":513,"description":4281,"extension":130,"meta":4282,"modifiedAt":132,"navigation":133,"pairId":4283,"path":4284,"publishedAt":2682,"question":4285,"relatedPath":3811,"seo":4286,"seoTitle":4287,"sitemap":4288,"slug":4289,"stem":4290,"translationSlug":4291,"__hash__":4292},"questions_en\u002Fen\u002Fquestions\u002Fcan-i-accept-payments-without-a-website.md","Can I Accept Payments Without A Website","Yes. Payment links and QR codes work without a site: the link is sent in a messenger or on social media, the code is shown on a screen or printed at the point of sale. The buyer lands on a secure checkout page and the merchant receives a payment notification.",{"type":9,"value":4229,"toc":4277},[4230,4232,4236,4256,4260,4271],[12,4231,4227],{},[15,4233,4235],{"id":4234},"what-replaces-a-site","What replaces a site",[23,4237,4238,4244,4250],{},[26,4239,4240,4243],{},[29,4241,4242],{},"A payment link."," For selling through chat: set the amount and purpose, send it to the client.",[26,4245,4246,4249],{},[29,4247,4248],{},"A QR code."," For offline and field work: the buyer scans it with a phone.",[26,4251,4252,4255],{},[29,4253,4254],{},"In-app payments."," If you sell through a mobile app, checkout is embedded there.",[15,4257,4259],{"id":4258},"what-you-still-need","What you still need",[23,4261,4262,4265,4268],{},[26,4263,4264],{},"A contract with the provider and bank details for payouts.",[26,4266,4267],{},"A clear description of the goods or service — it is reviewed during onboarding.",[26,4269,4270],{},"Refund terms: they are needed even without a site, at least as a document you send the client.",[12,4272,4273,4274,119],{},"How payment links work is on the ",[110,4275,4276],{"href":3811},"payment link page",{"title":121,"searchDepth":122,"depth":122,"links":4278},[4279,4280],{"id":4234,"depth":122,"text":4235},{"id":4258,"depth":122,"text":4259},"A site is not always needed: payment links and QR codes work from a messenger, social media or the shop floor. Which option fits your case.",{},"question-48","\u002Fen\u002Fquestions\u002Fcan-i-accept-payments-without-a-website","Can I accept payments without a website?",{"description":4281},"How to accept payments without a website",{"loc":4284},"can-i-accept-payments-without-a-website","en\u002Fquestions\u002Fcan-i-accept-payments-without-a-website","mozhno-li-prinimat-oplatu-bez-sayta","_JrWOqdZ5KE0iSXxC6Eqr5kYz-YrXRlQwzWkGJoB2YE",{"id":4294,"title":4295,"answer":4296,"body":4297,"category":513,"description":4357,"extension":130,"meta":4358,"modifiedAt":132,"navigation":133,"pairId":4359,"path":4360,"publishedAt":2682,"question":4361,"relatedPath":2684,"seo":4362,"seoTitle":4363,"sitemap":4364,"slug":4365,"stem":4366,"translationSlug":4367,"__hash__":4368},"questions_en\u002Fen\u002Fquestions\u002Fwhich-payment-methods-to-enable.md","Which Payment Methods To Enable","The basic set is Russian bank cards, SBP and one-click payment through Pay services: it covers almost every buyer. The rest depends on your audience — foreign cards for selling abroad, recurring charges for a subscription model.",{"type":9,"value":4298,"toc":4352},[4299,4301,4305,4316,4320,4331,4335,4346],[12,4300,4296],{},[15,4302,4304],{"id":4303},"where-to-start","Where to start",[23,4306,4307,4310,4313],{},[26,4308,4309],{},"Russian bank cards — the most familiar method and the backbone of turnover.",[26,4311,4312],{},"SBP by QR or link — the buyer pays from a banking app without entering a card.",[26,4314,4315],{},"SberPay and T-Pay — a short path for customers of those banks.",[15,4317,4319],{"id":4318},"what-to-add-depending-on-the-case","What to add depending on the case",[23,4321,4322,4325,4328],{},[26,4323,4324],{},"Foreign cards if you sell outside Russia; they carry their own rate.",[26,4326,4327],{},"Recurring charges if you run a subscription or a membership.",[26,4329,4330],{},"Payment links if part of your sales goes through a manager and chat.",[15,4332,4334],{"id":4333},"how-to-decide-what-to-keep","How to decide what to keep",[23,4336,4337,4340,4343],{},[26,4338,4339],{},"Watch the share of each method in the dashboard: unused options only lengthen the form.",[26,4341,4342],{},"Methods are switched on and off in the settings, and changes apply immediately.",[26,4344,4345],{},"Do not remove the card form entirely — it is needed as a fallback.",[12,4347,4348,4349,119],{},"The full set of methods is on the ",[110,4350,4351],{"href":2684},"accepting payments page",{"title":121,"searchDepth":122,"depth":122,"links":4353},[4354,4355,4356],{"id":4303,"depth":122,"text":4304},{"id":4318,"depth":122,"text":4319},{"id":4333,"depth":122,"text":4334},"A basic set covers almost every buyer; the rest depends on your audience. Where to start, what to add as you grow and what to keep as a fallback.",{},"question-49","\u002Fen\u002Fquestions\u002Fwhich-payment-methods-to-enable","Which payment methods should a store enable?",{"description":4357},"Which payment methods a store should enable",{"loc":4360},"which-payment-methods-to-enable","en\u002Fquestions\u002Fwhich-payment-methods-to-enable","kakie-sposoby-oplaty-podklyuchit","fiO4B_HJ5JGvormFmMxZJqBsEYN-dSQ37PR1b7kKdTA",{"id":4370,"title":4371,"answer":4372,"body":4373,"category":513,"description":4422,"extension":130,"meta":4423,"modifiedAt":132,"navigation":133,"pairId":4424,"path":4425,"publishedAt":2682,"question":4426,"relatedPath":3945,"seo":4427,"seoTitle":4428,"sitemap":4429,"slug":4430,"stem":4431,"translationSlug":4432,"__hash__":4433},"questions_en\u002Fen\u002Fquestions\u002Fwhat-affects-checkout-conversion.md","What Affects Checkout Conversion","Checkout conversion is the share of buyers who get from the cart to a confirmed payment. It is lost on small things: extra steps, an unfamiliar-looking checkout page, a missing habitual method, and declines the buyer does not understand.",{"type":9,"value":4374,"toc":4418},[4375,4377,4381,4395,4399,4413],[12,4376,4372],{},[15,4378,4380],{"id":4379},"what-stops-buyers","What stops buyers",[23,4382,4383,4386,4389,4392],{},[26,4384,4385],{},"A page that looks nothing like your site: the buyer is unsure they are paying you.",[26,4387,4388],{},"A missing habitual method — for example SBP for people who do not carry cards.",[26,4390,4391],{},"Extra fields in the form and mandatory registration before payment.",[26,4393,4394],{},"An unexplained decline with no hint about what to do next.",[15,4396,4398],{"id":4397},"what-can-be-fixed","What can be fixed",[23,4400,4401,4404,4407,4410],{},[26,4402,4403],{},"Style the checkout form to match your brand — colours and fonts are configurable.",[26,4405,4406],{},"Offer two or three methods instead of one.",[26,4408,4409],{},"Show a clear next step on the decline page: another method or a retry later.",[26,4411,4412],{},"Do not demand data the order can be placed without.",[12,4414,4415,4416,119],{},"How a widget differs from a separate checkout page is covered ",[110,4417,2735],{"href":1919},{"title":121,"searchDepth":122,"depth":122,"links":4419},[4420,4421],{"id":4379,"depth":122,"text":4380},{"id":4397,"depth":122,"text":4398},"Some buyers are lost between the cart and a confirmed payment. What usually stops them at checkout and which of it a merchant can actually fix.",{},"question-50","\u002Fen\u002Fquestions\u002Fwhat-affects-checkout-conversion","What affects checkout conversion?",{"description":4422},"What affects conversion into a payment",{"loc":4425},"what-affects-checkout-conversion","en\u002Fquestions\u002Fwhat-affects-checkout-conversion","chto-vliyaet-na-konversiyu-oplaty","6rcsNuzGs1Iu92yrHjt7Bc-TeTvtXGN8ccdnRcLjzIQ",{"id":4435,"title":4436,"answer":4437,"body":4438,"category":603,"description":4484,"extension":130,"meta":4485,"modifiedAt":132,"navigation":133,"pairId":4486,"path":4487,"publishedAt":2682,"question":4488,"relatedPath":4009,"seo":4489,"seoTitle":4490,"sitemap":4491,"slug":4492,"stem":4493,"translationSlug":4494,"__hash__":4495},"questions_en\u002Fen\u002Fquestions\u002Fdoes-a-site-need-public-offer-terms.md","Does A Site Need Public Offer Terms","Yes: public offer terms and a refund policy are part of what is reviewed when payments are connected. The buyer must see who they are contracting with, what exactly they are buying and on what terms they can get their money back.",{"type":9,"value":4439,"toc":4480},[4440,4442,4446,4460,4464,4475],[12,4441,4437],{},[15,4443,4445],{"id":4444},"what-the-site-must-carry","What the site must carry",[23,4447,4448,4451,4454,4457],{},[26,4449,4450],{},"Public offer terms or a user agreement with the seller details.",[26,4452,4453],{},"Refund and exchange terms: deadlines, how to request one, how money comes back.",[26,4455,4456],{},"A personal data policy if you collect buyer contacts.",[26,4458,4459],{},"Contact details: an email or phone, not only a feedback form.",[15,4461,4463],{"id":4462},"why-this-matters-at-onboarding","Why this matters at onboarding",[23,4465,4466,4469,4472],{},[26,4467,4468],{},"The documents show a real seller with obligations stands behind the site.",[26,4470,4471],{},"Refund terms reduce disputes: the buyer has somewhere to go before their bank.",[26,4473,4474],{},"A mismatch between the terms and the actual range is grounds for refusal.",[12,4476,4477,4478,119],{},"What else is checked before onboarding is covered in ",[110,4479,3999],{"href":2122},{"title":121,"searchDepth":122,"depth":122,"links":4481},[4482,4483],{"id":4444,"depth":122,"text":4445},{"id":4462,"depth":122,"text":4463},"Offer terms and a refund policy are part of the acquiring review. Which documents the site must carry and what to put in them.",{},"question-51","\u002Fen\u002Fquestions\u002Fdoes-a-site-need-public-offer-terms","Does a website need public offer terms?",{"description":4484},"Does a store website need public offer terms",{"loc":4487},"does-a-site-need-public-offer-terms","en\u002Fquestions\u002Fdoes-a-site-need-public-offer-terms","nuzhen-li-dogovor-oferty-na-sayte","QSL_W8pIMqKV3dxpcHEiHdlRPCkT0IOb8IARG0gQQ28",{"id":4497,"title":4498,"answer":4499,"body":4500,"category":603,"description":4544,"extension":130,"meta":4545,"modifiedAt":132,"navigation":133,"pairId":4546,"path":4547,"publishedAt":2682,"question":4548,"relatedPath":4549,"seo":4550,"seoTitle":4551,"sitemap":4552,"slug":4553,"stem":4554,"translationSlug":4555,"__hash__":4556},"questions_en\u002Fen\u002Fquestions\u002Fdocuments-for-a-self-employed-seller.md","Documents For A Self Employed Seller","A self-employed seller needs a smaller pack than a company: identity details, a tax number, confirmation of professional income tax status and bank details for payouts. The review itself is the same — what and how you sell is still checked.",{"type":9,"value":4501,"toc":4540},[4502,4504,4506,4520,4524,4535],[12,4503,4499],{},[15,4505,1755],{"id":1754},[23,4507,4508,4511,4514,4517],{},[26,4509,4510],{},"A tax number and identity document details.",[26,4512,4513],{},"A certificate of registration as a professional income tax payer.",[26,4515,4516],{},"Account or card details for receiving payouts.",[26,4518,4519],{},"A description of your services or goods — a web page, a social profile or a price list.",[15,4521,4523],{"id":4522},"how-it-differs-from-a-company","How it differs from a company",[23,4525,4526,4529,4532],{},[26,4527,4528],{},"The document pack is smaller: no charter and no director details.",[26,4530,4531],{},"Income and activity limits come from the tax regime, not from the payment service.",[26,4533,4534],{},"Receipts are issued by the seller in the tax authority app — that duty stays with them.",[12,4536,4537,4538,119],{},"Whether a self-employed person can accept cards is covered ",[110,4539,2735],{"href":1785},{"title":121,"searchDepth":122,"depth":122,"links":4541},[4542,4543],{"id":1754,"depth":122,"text":1755},{"id":4522,"depth":122,"text":4523},"A self-employed seller needs a smaller pack than a company, but the review is the same. What to prepare and how it differs from a company.",{},"question-52","\u002Fen\u002Fquestions\u002Fdocuments-for-a-self-employed-seller","Which documents does a self-employed seller need?","\u002Fen\u002Fself-employed",{"description":4544},"Documents for a self-employed seller to accept payments",{"loc":4547},"documents-for-a-self-employed-seller","en\u002Fquestions\u002Fdocuments-for-a-self-employed-seller","kakie-dokumenty-nuzhny-samozanyatomu","MY7WM-04xbQzQ7jjlId7J3GFUi1dZ_v7rVQCMdGJF90",{"id":4558,"title":4559,"answer":4560,"body":4561,"category":603,"description":4604,"extension":130,"meta":4605,"modifiedAt":132,"navigation":133,"pairId":4606,"path":4607,"publishedAt":2682,"question":4608,"relatedPath":3055,"seo":4609,"seoTitle":4610,"sitemap":4611,"slug":4612,"stem":4613,"translationSlug":4614,"__hash__":4615},"questions_en\u002Fen\u002Fquestions\u002Fwhat-are-closing-documents.md","What Are Closing Documents","Accounting needs summary data rather than individual payments: an operation register for the period, the amount of fee withheld and confirmation of transfers to the account. All of it exports from the dashboard, while closing documents are set out in the provider contract.",{"type":9,"value":4562,"toc":4600},[4563,4565,4569,4580,4584,4595],[12,4564,4560],{},[15,4566,4568],{"id":4567},"what-to-take-from-the-dashboard","What to take from the dashboard",[23,4570,4571,4574,4577],{},[26,4572,4573],{},"The payment register for the period — amounts, statuses and dates.",[26,4575,4576],{},"Refund data: refunds reduce the amount of the next transfer.",[26,4578,4579],{},"The withheld fee, which explains the gap between turnover and what was credited.",[15,4581,4583],{"id":4582},"how-to-reconcile","How to reconcile",[23,4585,4586,4589,4592],{},[26,4587,4588],{},"Compare the bank statement with the payout register, not with individual payments.",[26,4590,4591],{},"Remember the account receives the amount net of the fee while the buyer paid the full sum.",[26,4593,4594],{},"Refunds and disputes in the period explain the difference between turnover and receipts.",[12,4596,4597,4598,119],{},"What else a legal entity needs at onboarding is on the ",[110,4599,3045],{"href":3044},{"title":121,"searchDepth":122,"depth":122,"links":4601},[4602,4603],{"id":4567,"depth":122,"text":4568},{"id":4582,"depth":122,"text":4583},"Accounting needs registers and the withheld fee rather than individual payments. What exports from the dashboard and how to reconcile it.",{},"question-53","\u002Fen\u002Fquestions\u002Fwhat-are-closing-documents","Which documents does accounting need for acquiring?",{"description":4604},"Acquiring documents your accounting needs",{"loc":4607},"what-are-closing-documents","en\u002Fquestions\u002Fwhat-are-closing-documents","chto-takoe-zakryvayushchie-dokumenty","1Dc8_2NTxAqpnIqabr3BuvD738ejPePN_0KWHO1dyM8",{"id":4617,"title":4618,"answer":4619,"body":4620,"category":603,"description":4672,"extension":130,"meta":4673,"modifiedAt":132,"navigation":133,"pairId":4674,"path":4675,"publishedAt":2682,"question":4676,"relatedPath":4666,"seo":4677,"seoTitle":4678,"sitemap":4679,"slug":4680,"stem":4681,"translationSlug":4682,"__hash__":4683},"questions_en\u002Fen\u002Fquestions\u002Fdo-i-need-a-business-bank-account.md","Do I Need A Business Bank Account","An account for payouts is mandatory, but it is not always a business one: payouts can go to a bank card as well. Companies work only through a business account, while sole traders and the self-employed choose what suits them.",{"type":9,"value":4621,"toc":4668},[4622,4624,4626,4646,4650,4661],[12,4623,4619],{},[15,4625,2906],{"id":2905},[23,4627,4628,4634,4640],{},[26,4629,4630,4633],{},[29,4631,4632],{},"Companies."," A business account only: payouts go to the legal entity under the contract.",[26,4635,4636,4639],{},[29,4637,4638],{},"Sole traders."," A business account is easier for bookkeeping, but a card is allowed.",[26,4641,4642,4645],{},[29,4643,4644],{},"The self-employed."," Usually a card — their tax regime needs no separate account.",[15,4647,4649],{"id":4648},"why-an-account-beats-a-card","Why an account beats a card",[23,4651,4652,4655,4658],{},[26,4653,4654],{},"Personal and business money stay separate, which matters during inspections.",[26,4656,4657],{},"Fewer limits on incoming amounts.",[26,4659,4660],{},"A bank statement is more familiar to accounting and easier to reconcile with the register.",[12,4662,4663,4664,119],{},"The terms for sole traders are on the ",[110,4665,4667],{"href":4666},"\u002Fen\u002Fip-acquiring","sole trader acquiring page",{"title":121,"searchDepth":122,"depth":122,"links":4669},[4670,4671],{"id":2905,"depth":122,"text":2906},{"id":4648,"depth":122,"text":4649},"Payouts go to a business account or a bank card depending on the business form. Which to choose and why an account is more convenient.",{},"question-54","\u002Fen\u002Fquestions\u002Fdo-i-need-a-business-bank-account","Do I need a business bank account to accept payments?",{"description":4672},"Do you need a business account to accept payments",{"loc":4675},"do-i-need-a-business-bank-account","en\u002Fquestions\u002Fdo-i-need-a-business-bank-account","nuzhen-li-raschetnyy-schet-dlya-priema-platezhey","EcKnz0gfWkunKWLh7kX9ZEUWduRQTcjuDdULPF1v3nw",{"id":4685,"title":4686,"answer":4687,"body":4688,"category":603,"description":4727,"extension":130,"meta":4728,"modifiedAt":132,"navigation":133,"pairId":4729,"path":4730,"publishedAt":2682,"question":4731,"relatedPath":4732,"seo":4733,"seoTitle":4734,"sitemap":4735,"slug":4736,"stem":4737,"translationSlug":4738,"__hash__":4739},"questions_en\u002Fen\u002Fquestions\u002Fis-a-receipt-needed-for-a-refund.md","Is A Receipt Needed For A Refund","Yes. Under 54-FZ a refund is the same kind of operation as a sale: it gets its own receipt marked as a return. With cloud fiscalisation the receipt is created automatically along with the refund itself.",{"type":9,"value":4689,"toc":4723},[4690,4692,4694,4705,4707,4718],[12,4691,4687],{},[15,4693,287],{"id":286},[23,4695,4696,4699,4702],{},[26,4697,4698],{},"You issue a refund in the dashboard — full or partial.",[26,4700,4701],{},"A receipt for the refunded amount is generated with the matching settlement type.",[26,4703,4704],{},"The buyer receives it the same way as the purchase receipt.",[15,4706,490],{"id":489},[23,4708,4709,4712,4715],{},[26,4710,4711],{},"A partial refund gets a receipt for the returned part, not for the whole order.",[26,4713,4714],{},"Cancelling before capture is not a refund: there was no operation, so no return receipt.",[26,4716,4717],{},"The fee on a processed payment and the refunded amount are different figures.",[12,4719,4720,4721,119],{},"What a fiscal receipt must contain is covered ",[110,4722,2735],{"href":2419},{"title":121,"searchDepth":122,"depth":122,"links":4724},[4725,4726],{"id":286,"depth":122,"text":287},{"id":489,"depth":122,"text":490},"A refund is the same kind of operation as a sale under 54-FZ and gets its own receipt. What happens with full and partial refunds.",{},"question-55","\u002Fen\u002Fquestions\u002Fis-a-receipt-needed-for-a-refund","Is a fiscal receipt needed for a refund?","\u002Fen\u002Ffiscals",{"description":4727},"Is a receipt needed when refunding a buyer",{"loc":4730},"is-a-receipt-needed-for-a-refund","en\u002Fquestions\u002Fis-a-receipt-needed-for-a-refund","nuzhen-li-chek-pri-vozvrate","0h0UUt3HW8mRBmOcbGZo2mvO1pEK_iW6k6n0sZ4k3xc",{"id":4741,"title":4742,"answer":4743,"body":4744,"category":128,"description":4815,"extension":130,"meta":4816,"modifiedAt":132,"navigation":133,"pairId":4817,"path":4818,"publishedAt":2682,"question":4819,"relatedPath":2684,"seo":4820,"seoTitle":4821,"sitemap":4822,"slug":4823,"stem":4824,"translationSlug":4825,"__hash__":4826},"questions_en\u002Fen\u002Fquestions\u002Fwhat-payment-statuses-mean.md","What Payment Statuses Mean","The status shows which stage an operation is at. Created means the payment has only been registered, Processing means confirmation is under way, Completed means the money is in, Hold means the amount is reserved pending your decision, while Cancelled and Error mean the operation did not happen.",{"type":9,"value":4745,"toc":4811},[4746,4748,4752,4790,4794,4805],[12,4747,4743],{},[15,4749,4751],{"id":4750},"what-each-status-means","What each status means",[23,4753,4754,4760,4766,4772,4778,4784],{},[26,4755,4756,4759],{},[29,4757,4758],{},"Created."," The payment is registered but the buyer has not completed checkout.",[26,4761,4762,4765],{},[29,4763,4764],{},"Processing."," Confirmation is under way at the buyer bank — an interim state.",[26,4767,4768,4771],{},[29,4769,4770],{},"Completed."," The payment went through and will be included in the next payout.",[26,4773,4774,4777],{},[29,4775,4776],{},"Hold."," Funds are reserved on the card but not captured: awaiting confirmation or release.",[26,4779,4780,4783],{},[29,4781,4782],{},"Cancelled."," The operation stopped before capture — nobody owes anything.",[26,4785,4786,4789],{},[29,4787,4788],{},"Error."," The payment failed: a bank decline, an expired session or a failure on one side.",[15,4791,4793],{"id":4792},"when-the-money-counts-as-received","When the money counts as received",[23,4795,4796,4799,4802],{},[26,4797,4798],{},"Only in the Completed state: other states do not guarantee arrival.",[26,4800,4801],{},"Hold is not revenue: the amount can still go back to the buyer.",[26,4803,4804],{},"Shipping on a Processing status is risky — confirmation may never arrive.",[12,4806,4807,4808,119],{},"What to do when a payment is stuck in processing is covered ",[110,4809,2735],{"href":4810},"\u002Fen\u002Fquestions\u002Fwhy-a-payment-is-stuck-in-processing",{"title":121,"searchDepth":122,"depth":122,"links":4812},[4813,4814],{"id":4750,"depth":122,"text":4751},{"id":4792,"depth":122,"text":4793},"Created, Processing, Completed, Cancelled, Error and Hold are the six states of an operation. What each one means and when the money counts as received.",{},"question-56","\u002Fen\u002Fquestions\u002Fwhat-payment-statuses-mean","What do payment statuses in the dashboard mean?",{"description":4815},"Payment statuses in the dashboard explained",{"loc":4818},"what-payment-statuses-mean","en\u002Fquestions\u002Fwhat-payment-statuses-mean","chto-oznachayut-statusy-platezha","KJSmqj3e8O9bg5Wm12VbXdxCSj316ARnV_SKlJImD4g",{"id":4828,"title":4829,"answer":4830,"body":4831,"category":128,"description":4877,"extension":130,"meta":4878,"modifiedAt":132,"navigation":133,"pairId":4879,"path":4810,"publishedAt":2682,"question":4880,"relatedPath":2684,"seo":4881,"seoTitle":4882,"sitemap":4883,"slug":4884,"stem":4885,"translationSlug":4886,"__hash__":4887},"questions_en\u002Fen\u002Fquestions\u002Fwhy-a-payment-is-stuck-in-processing.md","Why A Payment Is Stuck In Processing","Processing normally takes seconds. A stuck status almost always means confirmation at the buyer bank never finished: the page was closed, the code was not entered, or the request did not arrive. Such an operation does not turn into a payment on its own.",{"type":9,"value":4832,"toc":4873},[4833,4835,4837,4851,4854,4868],[12,4834,4830],{},[15,4836,1005],{"id":1004},[23,4838,4839,4842,4845,4848],{},[26,4840,4841],{},"The buyer closed the confirmation page without completing 3-D Secure.",[26,4843,4844],{},"The bank code never arrived or was entered after the session expired.",[26,4846,4847],{},"A failure on the buyer bank side — rarer, but it happens.",[26,4849,4850],{},"The final status notification never reached the store although the payment went through.",[15,4852,193],{"id":4853},"what-to-do",[23,4855,4856,4859,4862,4865],{},[26,4857,4858],{},"Do not create a second payment for the same order: you will get two charges instead of one.",[26,4860,4861],{},"Check the status in the dashboard — it is the source of truth, not the buyer email.",[26,4863,4864],{},"Offer a retry only if the first operation ended in Error or Cancelled.",[26,4866,4867],{},"If the status is Completed while the order is unpaid, the problem is in receiving notifications.",[12,4869,4870,4871,119],{},"What to do about a duplicate payment is covered ",[110,4872,2735],{"href":2595},{"title":121,"searchDepth":122,"depth":122,"links":4874},[4875,4876],{"id":1004,"depth":122,"text":1005},{"id":4853,"depth":122,"text":193},"Processing normally takes seconds, so a delay means confirmation never finished. The usual causes and what a merchant should do.",{},"question-57","Why is a payment stuck in processing?",{"description":4877},"Payment stuck in processing: causes and fixes",{"loc":4810},"why-a-payment-is-stuck-in-processing","en\u002Fquestions\u002Fwhy-a-payment-is-stuck-in-processing","pochemu-platezh-visit-v-obrabotke","rrS-XdvLoqUMI04RynQ-2JtP_OOacsOhyg3SqG3d1y4",{"id":4889,"title":4890,"answer":4891,"body":4892,"category":128,"description":4935,"extension":130,"meta":4936,"modifiedAt":132,"navigation":133,"pairId":4937,"path":4938,"publishedAt":2682,"question":4939,"relatedPath":3505,"seo":4940,"seoTitle":4941,"sitemap":4942,"slug":4943,"stem":4944,"translationSlug":4945,"__hash__":4946},"questions_en\u002Fen\u002Fquestions\u002Fhow-to-stop-recurring-charges.md","How To Stop Recurring Charges","A repeat charge is always initiated by the merchant against a stored token — the bank does not take money on its own. So a subscription ends exactly when you stop sending charge requests, and no approval is needed for that.",{"type":9,"value":4893,"toc":4931},[4894,4896,4900,4911,4915,4926],[12,4895,4891],{},[15,4897,4899],{"id":4898},"what-the-merchant-does","What the merchant does",[23,4901,4902,4905,4908],{},[26,4903,4904],{},"Turn the schedule off in your system so the next request never goes out.",[26,4906,4907],{},"Tell the client the date of the last charge and how long access lasts.",[26,4909,4910],{},"If a charge already went through, issue a refund — full or partial.",[15,4912,4914],{"id":4913},"what-to-tell-the-client","What to tell the client",[23,4916,4917,4920,4923],{},[26,4918,4919],{},"Charges will stop without contacting the bank: the merchant initiated them, not the bank.",[26,4921,4922],{},"Blocking the card is a last resort: it breaks the client other payments too.",[26,4924,4925],{},"Access usually runs to the end of the paid period — worth saying out loud.",[12,4927,4928,4929,119],{},"How recurring payments work is covered ",[110,4930,2735],{"href":985},{"title":121,"searchDepth":122,"depth":122,"links":4932},[4933,4934],{"id":4898,"depth":122,"text":4899},{"id":4913,"depth":122,"text":4914},"Repeat charges are initiated by the business, so a subscription ends the moment you stop sending requests. The order of actions and what to tell the client.",{},"question-58","\u002Fen\u002Fquestions\u002Fhow-to-stop-recurring-charges","How do I stop recurring subscription charges?",{"description":4935},"How to stop recurring subscription charges",{"loc":4938},"how-to-stop-recurring-charges","en\u002Fquestions\u002Fhow-to-stop-recurring-charges","kak-ostanovit-regulyarnye-spisaniya","u9WZQ3q3zbzpTQx_xB8bVP3eNpVpa_JdKrenGkMkwSM",{"id":4948,"title":4949,"answer":4950,"body":4951,"category":128,"description":4995,"extension":130,"meta":4996,"modifiedAt":132,"navigation":133,"pairId":4997,"path":4998,"publishedAt":2682,"question":4999,"relatedPath":3657,"seo":5000,"seoTitle":5001,"sitemap":5002,"slug":5003,"stem":5004,"translationSlug":5005,"__hash__":5006},"questions_en\u002Fen\u002Fquestions\u002Fwhat-if-the-notification-never-arrived.md","What If The Notification Never Arrived","If the dashboard shows Completed while your store shows the order unpaid, the notification was either not delivered or not handled. The status itself is never lost: you can always fetch it from the API and update the order yourself.",{"type":9,"value":4952,"toc":4991},[4953,4955,4957,4971,4975,4986],[12,4954,4950],{},[15,4956,3979],{"id":3978},[23,4958,4959,4962,4965,4968],{},[26,4960,4961],{},"The handler address in the dashboard matches the one that actually works on the site.",[26,4963,4964],{},"The handler is reachable over HTTPS and not blocked by auth or a firewall.",[26,4966,4967],{},"It answers notifications with a 200, not a redirect and not an error.",[26,4969,4970],{},"Signature verification is not rejecting requests because of a wrong secret key.",[15,4972,4974],{"id":4973},"how-to-stop-losing-payments","How to stop losing payments",[23,4976,4977,4980,4983],{},[26,4978,4979],{},"Do not rely on notifications alone: fetch the payment status when an order is opened.",[26,4981,4982],{},"Log incoming notifications with the request body — without that the cause is unfindable.",[26,4984,4985],{},"Handle repeat notifications for the same payment idempotently.",[12,4987,4988,4989,119],{},"Why notifications are signed and how to verify them is covered ",[110,4990,2735],{"href":3655},{"title":121,"searchDepth":122,"depth":122,"links":4992},[4993,4994],{"id":3978,"depth":122,"text":3979},{"id":4973,"depth":122,"text":4974},"The payment went through but the order is unpaid — the notification was lost or unhandled. What to check on your own side.",{},"question-59","\u002Fen\u002Fquestions\u002Fwhat-if-the-notification-never-arrived","What if the payment notification never reached my store?",{"description":4995},"Payment notification never arrived: what to check",{"loc":4998},"what-if-the-notification-never-arrived","en\u002Fquestions\u002Fwhat-if-the-notification-never-arrived","chto-delat-esli-uvedomlenie-ne-doshlo","YKpssdKB413beQLaGP1zCLGRznAa6kxHZbmpcp5EFiQ",{"id":5008,"title":5009,"answer":5010,"body":5011,"category":128,"description":5055,"extension":130,"meta":5056,"modifiedAt":132,"navigation":133,"pairId":5057,"path":5058,"publishedAt":2682,"question":5059,"relatedPath":3811,"seo":5060,"seoTitle":5061,"sitemap":5062,"slug":5063,"stem":5064,"translationSlug":5065,"__hash__":5066},"questions_en\u002Fen\u002Fquestions\u002Fcan-a-payment-amount-be-changed.md","Can A Payment Amount Be Changed","No: the amount is fixed when the payment is created and forms part of the operation signature, so it cannot be changed afterwards. If the order changes, the old operation is cancelled or refunded and a separate payment is created for the new amount.",{"type":9,"value":5012,"toc":5051},[5013,5015,5019,5030,5034,5045],[12,5014,5010],{},[15,5016,5018],{"id":5017},"if-the-order-changes-before-payment","If the order changes before payment",[23,5020,5021,5024,5027],{},[26,5022,5023],{},"Cancel the unpaid payment and create a new one for the current amount.",[26,5025,5026],{},"Send the buyer a new link — the old one still leads to the previous amount.",[26,5028,5029],{},"Give links an expiry so stale ones do not stay usable.",[15,5031,5033],{"id":5032},"if-the-order-changes-after-payment","If the order changes after payment",[23,5035,5036,5039,5042],{},[26,5037,5038],{},"The amount went down — issue a partial refund for the difference.",[26,5040,5041],{},"The amount went up — create an additional payment for the balance.",[26,5043,5044],{},"The order is cancelled entirely — issue a full refund.",[12,5046,5047,5048,119],{},"How to issue a partial refund is covered ",[110,5049,2735],{"href":5050},"\u002Fen\u002Fquestions\u002Fhow-to-issue-a-partial-refund",{"title":121,"searchDepth":122,"depth":122,"links":5052},[5053,5054],{"id":5017,"depth":122,"text":5018},{"id":5032,"depth":122,"text":5033},"The amount is fixed at creation and forms part of the operation signature. What to do when an order changes before or after payment.",{},"question-60","\u002Fen\u002Fquestions\u002Fcan-a-payment-amount-be-changed","Can the amount of an existing payment be changed?",{"description":5055},"Can you change the amount of a created payment",{"loc":5058},"can-a-payment-amount-be-changed","en\u002Fquestions\u002Fcan-a-payment-amount-be-changed","mozhno-li-izmenit-summu-platezha","AcgWDTGY5l_TX38rw4NvcuLKQmGSXZEpmkBVI7jLd_w",{"id":5068,"title":5069,"answer":5070,"body":5071,"category":128,"description":5137,"extension":130,"meta":5138,"modifiedAt":132,"navigation":133,"pairId":5139,"path":5140,"publishedAt":2682,"question":5141,"relatedPath":3657,"seo":5142,"seoTitle":5143,"sitemap":5144,"slug":5145,"stem":5146,"translationSlug":5147,"__hash__":5148},"questions_en\u002Fen\u002Fquestions\u002Fhow-to-test-payments-before-launch.md","How To Test Payments Before Launch","Testing a successful payment is not enough: declines, refunds and repeat notifications are what usually break in production. Walk each scenario end to end — from creating the payment to what your own system finally shows.",{"type":9,"value":5072,"toc":5133},[5073,5075,5079,5111,5115,5126],[12,5074,5070],{},[15,5076,5078],{"id":5077},"scenarios-to-walk-through","Scenarios to walk through",[23,5080,5081,5087,5093,5099,5105],{},[26,5082,5083,5086],{},[29,5084,5085],{},"Successful payment."," The order becomes paid and the receipt reaches the buyer.",[26,5088,5089,5092],{},[29,5090,5091],{},"Decline."," The buyer sees a clear message and the order is not marked paid.",[26,5094,5095,5098],{},[29,5096,5097],{},"Refund."," Both full and partial — check the amounts match what you expect.",[26,5100,5101,5104],{},[29,5102,5103],{},"Repeat notification."," A second message about the same payment must not change the order twice.",[26,5106,5107,5110],{},[29,5108,5109],{},"Unreachable handler."," Make sure an order can still be closed by fetching the status manually.",[15,5112,5114],{"id":5113},"before-live-traffic","Before live traffic",[23,5116,5117,5120,5123],{},[26,5118,5119],{},"The keys in settings belong to the live store, not a test one.",[26,5121,5122],{},"The notification address points at production, not a developer tunnel.",[26,5124,5125],{},"Logging of incoming notifications is on — without it incidents are unexplainable.",[12,5127,5128,5129,119],{},"You can see what checkout looks like for a buyer on the ",[110,5130,5132],{"href":5131},"\u002Fen\u002Fdemo-payment","demo page",{"title":121,"searchDepth":122,"depth":122,"links":5134},[5135,5136],{"id":5077,"depth":122,"text":5078},{"id":5113,"depth":122,"text":5114},"Test more than a successful payment: declines, refunds and repeat notifications break more often. The scenarios worth walking through.",{},"question-61","\u002Fen\u002Fquestions\u002Fhow-to-test-payments-before-launch","How do I test payments before launch?",{"description":5137},"How to test payments before going live",{"loc":5140},"how-to-test-payments-before-launch","en\u002Fquestions\u002Fhow-to-test-payments-before-launch","kak-protestirovat-priem-platezhey","fs30sFMn6GIc8BgKFZmJFJAi4vkAQvl8BLgovNoBLNI",{"id":5150,"title":5151,"answer":5152,"body":5153,"category":128,"description":5194,"extension":130,"meta":5195,"modifiedAt":132,"navigation":133,"pairId":5196,"path":5050,"publishedAt":2682,"question":5197,"relatedPath":2684,"seo":5198,"seoTitle":5199,"sitemap":5200,"slug":5201,"stem":5202,"translationSlug":5203,"__hash__":5204},"questions_en\u002Fen\u002Fquestions\u002Fhow-to-issue-a-partial-refund.md","How To Issue A Partial Refund","A partial refund is issued from the dashboard: you set the amount and it goes back to the buyer the same way they paid. A separate fiscal receipt is generated for the returned part, while the rest of the amount stays with the merchant.",{"type":9,"value":5154,"toc":5190},[5155,5157,5161,5172,5174,5185],[12,5156,5152],{},[15,5158,5160],{"id":5159},"when-it-fits","When it fits",[23,5162,5163,5166,5169],{},[26,5164,5165],{},"Part of the order was not fulfilled: an item was out of stock or a service was incomplete.",[26,5167,5168],{},"The buyer declined one item out of several.",[26,5170,5171],{},"The final amount turned out lower — delivery cost changed, for example.",[15,5173,490],{"id":489},[23,5175,5176,5179,5182],{},[26,5177,5178],{},"The receipt covers the returned part, not the whole order.",[26,5180,5181],{},"A refund reduces the next payout rather than coming from a separate account.",[26,5183,5184],{},"If the money is not captured yet, cancelling is simpler and cheaper than refunding.",[12,5186,5187,5188,119],{},"Whether the fee comes back on a refund is covered ",[110,5189,2735],{"href":2743},{"title":121,"searchDepth":122,"depth":122,"links":5191},[5192,5193],{"id":5159,"depth":122,"text":5160},{"id":489,"depth":122,"text":490},"A partial refund is issued from the dashboard for the chosen amount. When it fits, what happens to the receipt and how it differs from a cancellation.",{},"question-62","How do I return part of the amount to a buyer?",{"description":5194},"How to issue a partial refund to a buyer",{"loc":5050},"how-to-issue-a-partial-refund","en\u002Fquestions\u002Fhow-to-issue-a-partial-refund","kak-chastichno-vernut-oplatu","5kHIbbhrmT3BAJfnpdEkvXCFE2blehO7FBkM9BllLJE",{"id":5206,"title":5207,"answer":5208,"body":5209,"category":128,"description":5247,"extension":130,"meta":5248,"modifiedAt":132,"navigation":133,"pairId":5249,"path":5250,"publishedAt":2682,"question":5251,"relatedPath":4732,"seo":5252,"seoTitle":5253,"sitemap":5254,"slug":5255,"stem":5256,"translationSlug":5257,"__hash__":5258},"questions_en\u002Fen\u002Fquestions\u002Fwhat-if-the-buyer-did-not-get-a-receipt.md","What If The Buyer Did Not Get A Receipt","A receipt is generated automatically on every payment, but delivery depends on the contact details the buyer provided. If the email never arrived, the receipt is not lost: it is part of the operation data and can be sent again.",{"type":9,"value":5210,"toc":5243},[5211,5213,5215,5226,5228,5239],[12,5212,5208],{},[15,5214,1005],{"id":1004},[23,5216,5217,5220,5223],{},[26,5218,5219],{},"A typo in the email address during checkout.",[26,5221,5222],{},"The email landed in spam or a separate folder.",[26,5224,5225],{},"No contact was passed at all when the payment was created.",[15,5227,193],{"id":4853},[23,5229,5230,5233,5236],{},[26,5231,5232],{},"Find the operation in the dashboard and check which contact was recorded.",[26,5234,5235],{},"Resend the receipt to the correct address.",[26,5237,5238],{},"If no contact was passed, make the field mandatory in your order form.",[12,5240,4720,5241,119],{},[110,5242,2735],{"href":2419},{"title":121,"searchDepth":122,"depth":122,"links":5244},[5245,5246],{"id":1004,"depth":122,"text":1005},{"id":4853,"depth":122,"text":193},"The receipt is generated automatically, but delivery depends on the contact details given. Where to find the receipt and how to resend it.",{},"question-63","\u002Fen\u002Fquestions\u002Fwhat-if-the-buyer-did-not-get-a-receipt","What if the buyer never received the receipt?",{"description":5247},"Buyer did not receive the receipt: what to do",{"loc":5250},"what-if-the-buyer-did-not-get-a-receipt","en\u002Fquestions\u002Fwhat-if-the-buyer-did-not-get-a-receipt","chto-delat-esli-pokupatel-ne-poluchil-chek","BQo1Oh87TXPpi84WVl6FawZ4rUgrcP4rEmpHyonRivk",{"id":5260,"title":5261,"answer":5262,"body":5263,"category":128,"description":5306,"extension":130,"meta":5307,"modifiedAt":132,"navigation":133,"pairId":5308,"path":5309,"publishedAt":2682,"question":5310,"relatedPath":2684,"seo":5311,"seoTitle":5312,"sitemap":5313,"slug":5314,"stem":5315,"translationSlug":5316,"__hash__":5317},"questions_en\u002Fen\u002Fquestions\u002Fwhere-to-see-operation-history.md","Where To See Operation History","Operation history lives in the dashboard: every payment is listed with its status, amount, method and date, and data for any period exports to a file. Payout registers are available separately — those are what you reconcile the account against.",{"type":9,"value":5264,"toc":5302},[5265,5267,5271,5282,5286,5297],[12,5266,5262],{},[15,5268,5270],{"id":5269},"what-you-can-see","What you can see",[23,5272,5273,5276,5279],{},[26,5274,5275],{},"A payment list with filters by status, period and payment method.",[26,5277,5278],{},"Operation details: amounts, the fee withheld, refunds against that payment.",[26,5280,5281],{},"Payout registers — which operations went into a transfer and on which date.",[15,5283,5285],{"id":5284},"how-to-reconcile-with-the-bank","How to reconcile with the bank",[23,5287,5288,5291,5294],{},[26,5289,5290],{},"Compare the statement with the payout register, not with individual payments.",[26,5292,5293],{},"Remember the account receives the amount net of the fee.",[26,5295,5296],{},"Refunds in the period explain the gap between turnover and receipts.",[12,5298,5299,5300,119],{},"What accounting needs is covered ",[110,5301,2735],{"href":4607},{"title":121,"searchDepth":122,"depth":122,"links":5303},[5304,5305],{"id":5269,"depth":122,"text":5270},{"id":5284,"depth":122,"text":5285},"Operation history and exports for any period live in the dashboard. What is available there and how to reconcile it with a bank statement.",{},"question-64","\u002Fen\u002Fquestions\u002Fwhere-to-see-operation-history","Where can I see and export payment history?",{"description":5306},"Where to see and export payment history",{"loc":5309},"where-to-see-operation-history","en\u002Fquestions\u002Fwhere-to-see-operation-history","gde-posmotret-istoriyu-operaciy","qZEyApPCZLDt3ODmvnx3OYMGx1rkGwvKDZDsMpPMigo",{"id":5319,"title":5320,"answer":5321,"body":5322,"category":128,"description":5365,"extension":130,"meta":5366,"modifiedAt":132,"navigation":133,"pairId":5367,"path":5368,"publishedAt":2682,"question":5369,"relatedPath":3055,"seo":5370,"seoTitle":5371,"sitemap":5372,"slug":5373,"stem":5374,"translationSlug":5375,"__hash__":5376},"questions_en\u002Fen\u002Fquestions\u002Fcan-i-run-several-stores.md","Can I Run Several Stores","Yes. Each store is set up separately — with its own keys, checkout settings and statistics — while all of them stay in one account. Staff can be given access by role instead of sharing one password.",{"type":9,"value":5323,"toc":5361},[5324,5326,5330,5341,5345,5356],[12,5325,5321],{},[15,5327,5329],{"id":5328},"when-it-helps","When it helps",[23,5331,5332,5335,5338],{},[26,5333,5334],{},"Several projects or brands under one legal entity.",[26,5336,5337],{},"Different sites with different ranges that need separate accounting.",[26,5339,5340],{},"Test and live setups, so checks do not mix with real payments.",[15,5342,5344],{"id":5343},"how-to-hand-out-access","How to hand out access",[23,5346,5347,5350,5353],{},[26,5348,5349],{},"Give employees individual accounts instead of a shared password.",[26,5351,5352],{},"Assign roles by task: payouts and registers for accounting, keys and webhooks for developers.",[26,5354,5355],{},"Staff actions stay in the log — you can see who changed what.",[12,5357,5358,5359,119],{},"What else a legal entity gets at onboarding is on the ",[110,5360,3045],{"href":3044},{"title":121,"searchDepth":122,"depth":122,"links":5362},[5363,5364],{"id":5328,"depth":122,"text":5329},{"id":5343,"depth":122,"text":5344},"Each store is set up separately with its own keys and settings while statistics stay shared. When that helps and how to hand out access.",{},"question-65","\u002Fen\u002Fquestions\u002Fcan-i-run-several-stores","Can I run several stores in one account?",{"description":5365},"Running several stores in one merchant account",{"loc":5368},"can-i-run-several-stores","en\u002Fquestions\u002Fcan-i-run-several-stores","mozhno-li-vesti-neskolko-magazinov","Qc_NE7WbFjKGQasogjKMfac3_0AN9wmtEmjipS-WDUU",{"id":5378,"title":5379,"answer":5380,"body":5381,"category":1529,"description":5433,"extension":130,"meta":5434,"modifiedAt":132,"navigation":133,"pairId":5435,"path":5436,"publishedAt":2682,"question":5437,"relatedPath":2745,"seo":5438,"seoTitle":5439,"sitemap":5440,"slug":5441,"stem":5442,"translationSlug":5443,"__hash__":5444},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-interchange.md","What Is Interchange","Interchange is the part of the fee that goes to the bank that issued the buyer card. It makes up the largest share of the rate, and its size is set by the payment system rather than the payment service: no individual contract can lower it.",{"type":9,"value":5382,"toc":5429},[5383,5385,5389,5409,5413,5424],[12,5384,5380],{},[15,5386,5388],{"id":5387},"how-the-rate-is-split","How the rate is split",[23,5390,5391,5397,5403],{},[26,5392,5393,5396],{},[29,5394,5395],{},"To the buyer bank"," — interchange for risk, card servicing and reward programmes.",[26,5398,5399,5402],{},[29,5400,5401],{},"To the payment system"," — a fee for the rules and routing of an operation.",[26,5404,5405,5408],{},[29,5406,5407],{},"To the provider"," — the remainder for accepting payments, support, refunds and reporting.",[15,5410,5412],{"id":5411},"why-the-rate-cannot-be-zero","Why the rate cannot be zero",[23,5414,5415,5418,5421],{},[26,5416,5417],{},"Interchange is fixed by system rules and does not depend on your contract.",[26,5419,5420],{},"It also funds the cashback the bank pays the buyer for shopping with you.",[26,5422,5423],{},"The final rate can drop only through the provider share — with volume and low risk.",[12,5425,5426,5427,119],{},"What makes up the final fee is covered ",[110,5428,2735],{"href":1533},{"title":121,"searchDepth":122,"depth":122,"links":5430},[5431,5432],{"id":5387,"depth":122,"text":5388},{"id":5411,"depth":122,"text":5412},"Interchange is the part of the fee that goes to the buyer bank. How the rate is split between parties and why it cannot drop to zero.",{},"question-66","\u002Fen\u002Fquestions\u002Fwhat-is-interchange","What is interchange and who receives it?",{"description":5433},"Interchange: what the acquiring fee consists of",{"loc":5436},"what-is-interchange","en\u002Fquestions\u002Fwhat-is-interchange","chto-takoe-interchange","5q55o1vbfX6U6wg9FGLX-mHvjM7oT09qc1YomKUpOiU",{"id":5446,"title":5447,"answer":5448,"body":5449,"category":1529,"description":5497,"extension":130,"meta":5498,"modifiedAt":132,"navigation":133,"pairId":5499,"path":5500,"publishedAt":2682,"question":5501,"relatedPath":5491,"seo":5502,"seoTitle":5503,"sitemap":5504,"slug":5505,"stem":5506,"translationSlug":5507,"__hash__":5508},"questions_en\u002Fen\u002Fquestions\u002Fwhy-fees-differ-between-cards.md","Why Fees Differ Between Cards","The rate depends on who issued the card and under which rules the settlement runs. Russian bank cards, SBP and Pay services share one rate — from 2.9% — while foreign cards cost more, from 8.9%, because their settlement is longer and riskier.",{"type":9,"value":5450,"toc":5493},[5451,5453,5457,5471,5475,5486],[12,5452,5448],{},[15,5454,5456],{"id":5455},"what-drives-the-rate","What drives the rate",[23,5458,5459,5462,5465,5468],{},[26,5460,5461],{},"The issuing bank country: cross-border operations always cost more than domestic ones.",[26,5463,5464],{},"The card type: premium cards carry higher interchange.",[26,5466,5467],{},"The industry and MCC code: some categories carry a higher dispute risk.",[26,5469,5470],{},"Merchant turnover: at higher volumes the rate is negotiated individually.",[15,5472,5474],{"id":5473},"what-to-do-about-it","What to do about it",[23,5476,5477,5480,5483],{},[26,5478,5479],{},"If you sell domestically only, foreign card acceptance can stay switched off.",[26,5481,5482],{},"Measure your effective rate rather than one tariff line: method mixes differ.",[26,5484,5485],{},"Revisit terms as volume grows — that is when there is a basis for it.",[12,5487,5488,5489,119],{},"How to accept cards from foreign banks is on the ",[110,5490,5492],{"href":5491},"\u002Fen\u002Finternational-acquiring","international acquiring page",{"title":121,"searchDepth":122,"depth":122,"links":5494},[5495,5496],{"id":5455,"depth":122,"text":5456},{"id":5473,"depth":122,"text":5474},"Russian bank cards start at 2.9% and foreign ones at 8.9%. Where the difference comes from and what else drives the final rate.",{},"question-67","\u002Fen\u002Fquestions\u002Fwhy-fees-differ-between-cards","Why does the fee differ between cards?",{"description":5497},"Why the fee differs between cards",{"loc":5500},"why-fees-differ-between-cards","en\u002Fquestions\u002Fwhy-fees-differ-between-cards","pochemu-komissiya-otlichaetsya-po-kartam","m343cHclwYsg6IcSePVhZH_-lyjMh-MZ7Rm5-y6gNGg",{"id":5510,"title":5511,"answer":5512,"body":5513,"category":1529,"description":5565,"extension":130,"meta":5566,"modifiedAt":132,"navigation":133,"pairId":5567,"path":5568,"publishedAt":2682,"question":5569,"relatedPath":2853,"seo":5570,"seoTitle":5571,"sitemap":5572,"slug":5573,"stem":5574,"translationSlug":5575,"__hash__":5576},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-pay-in-instalments.md","What Is Pay In Instalments","Instalments and pay-later let a buyer split a payment into parts while the merchant receives the order amount at once. The difference is carried by a financing partner, who also takes on the risk of the buyer not paying.",{"type":9,"value":5514,"toc":5561},[5515,5517,5521,5541,5545,5556],[12,5516,5512],{},[15,5518,5520],{"id":5519},"how-it-looks-for-each-side","How it looks for each side",[23,5522,5523,5529,5535],{},[26,5524,5525,5528],{},[29,5526,5527],{},"The buyer"," pays in scheduled parts, and approval takes minutes.",[26,5530,5531,5534],{},[29,5532,5533],{},"The merchant"," is paid as with an ordinary payment, with no long wait.",[26,5536,5537,5540],{},[29,5538,5539],{},"The partner"," screens the buyer and carries the risk of missed payments.",[15,5542,5544],{"id":5543},"what-a-store-should-know","What a store should know",[23,5546,5547,5550,5553],{},[26,5548,5549],{},"Terms and pricing are connected separately — this is not part of the base rate.",[26,5551,5552],{},"Average order value usually grows: expensive items stop looking unaffordable.",[26,5554,5555],{},"Refunds on such orders follow the partner rules, not only the store ones.",[12,5557,5558,5559,119],{},"How this works on a platform is on the ",[110,5560,2854],{"href":2853},{"title":121,"searchDepth":122,"depth":122,"links":5562},[5563,5564],{"id":5519,"depth":122,"text":5520},{"id":5543,"depth":122,"text":5544},"The buyer pays in parts while the merchant gets the full amount at once. How it differs from credit and what it changes for a store.",{},"question-68","\u002Fen\u002Fquestions\u002Fwhat-is-pay-in-instalments","What are instalments and pay-later for buyers?",{"description":5565},"Instalments and pay-later: how they work",{"loc":5568},"what-is-pay-in-instalments","en\u002Fquestions\u002Fwhat-is-pay-in-instalments","chto-takoe-oplata-dolyami","l-p9pCAM7VhhLQ-kkqARX6Zsy3Ry5zy76Wxg7jeA3qg",{"id":5578,"title":5579,"answer":5580,"body":5581,"category":1529,"description":5627,"extension":130,"meta":5628,"modifiedAt":132,"navigation":133,"pairId":5629,"path":5630,"publishedAt":2682,"question":5631,"relatedPath":2745,"seo":5632,"seoTitle":5633,"sitemap":5634,"slug":5635,"stem":5636,"translationSlug":5637,"__hash__":5638},"questions_en\u002Fen\u002Fquestions\u002Fis-there-a-monthly-fee.md","Is There A Monthly Fee","No. Onboarding, integration, the dashboard and cloud fiscalisation are part of the plan — you pay only a percentage of each processed payment. No payments means no costs: there is no standing charge for having the service connected.",{"type":9,"value":5582,"toc":5623},[5583,5585,5589,5603,5607,5618],[12,5584,5580],{},[15,5586,5588],{"id":5587},"what-the-plan-covers","What the plan covers",[23,5590,5591,5594,5597,5600],{},[26,5592,5593],{},"Onboarding and store setup.",[26,5595,5596],{},"The payment widget, the REST API and payment links.",[26,5598,5599],{},"The dashboard with statistics, registers and exports.",[26,5601,5602],{},"Cloud fiscalisation: receipts are generated automatically.",[15,5604,5606],{"id":5605},"what-may-cost-extra","What may cost extra",[23,5608,5609,5612,5615],{},[26,5610,5611],{},"Instalments and credit for buyers — connected separately.",[26,5613,5614],{},"Foreign card acceptance runs at its own rate.",[26,5616,5617],{},"Custom development for a specific scenario — discussed during onboarding.",[12,5619,5620,5621,119],{},"The full terms are on the ",[110,5622,1309],{"href":2745},{"title":121,"searchDepth":122,"depth":122,"links":5624},[5625,5626],{"id":5587,"depth":122,"text":5588},{"id":5605,"depth":122,"text":5606},"Onboarding, integration and the dashboard are included — you pay only a percentage per payment. What is covered and what costs extra.",{},"question-69","\u002Fen\u002Fquestions\u002Fis-there-a-monthly-fee","Is there a monthly fee for accepting payments?",{"description":5627},"Is there a monthly fee for accepting payments",{"loc":5630},"is-there-a-monthly-fee","en\u002Fquestions\u002Fis-there-a-monthly-fee","est-li-abonentskaya-plata","5hRJUY124GIRzCzL_pPf7bATo8UzsX-oZly6wAUMd8I",{"id":5640,"title":5641,"answer":5642,"body":5643,"category":1529,"description":5685,"extension":130,"meta":5686,"modifiedAt":132,"navigation":133,"pairId":5687,"path":5688,"publishedAt":2682,"question":5689,"relatedPath":2745,"seo":5690,"seoTitle":5691,"sitemap":5692,"slug":5693,"stem":5694,"translationSlug":5695,"__hash__":5696},"questions_en\u002Fen\u002Fquestions\u002Fhow-to-account-for-the-fee-in-pricing.md","How To Account For The Fee In Pricing","The fee is withheld before settlement: the buyer pays the full order amount while the merchant account receives it minus the percentage. So the fee belongs in the price rather than as a surcharge for paying by card.",{"type":9,"value":5644,"toc":5681},[5645,5647,5651,5662,5666,5677],[12,5646,5642],{},[15,5648,5650],{"id":5649},"how-to-calculate","How to calculate",[23,5652,5653,5656,5659],{},[26,5654,5655],{},"Use your effective rate rather than one method line: method mixes differ.",[26,5657,5658],{},"Account for refunds: the fee on a processed operation stays withheld.",[26,5660,5661],{},"Reconcile against the payout register, not against individual payments.",[15,5663,5665],{"id":5664},"what-you-must-not-do","What you must not do",[23,5667,5668,5671,5674],{},[26,5669,5670],{},"Charge the buyer extra for paying by card: payment system rules forbid it.",[26,5672,5673],{},"Show different prices for cash and card — that is the same surcharge in disguise.",[26,5675,5676],{},"Promise a refund \"minus the fee\" — the buyer gets the full purchase amount back.",[12,5678,5187,5679,119],{},[110,5680,2735],{"href":2743},{"title":121,"searchDepth":122,"depth":122,"links":5682},[5683,5684],{"id":5649,"depth":122,"text":5650},{"id":5664,"depth":122,"text":5665},"The fee is withheld before settlement, so the account receives less than the order. How to calculate it and why you cannot charge the buyer for it.",{},"question-70","\u002Fen\u002Fquestions\u002Fhow-to-account-for-the-fee-in-pricing","How do I account for the fee in my prices?",{"description":5685},"How to account for the acquiring fee in prices",{"loc":5688},"how-to-account-for-the-fee-in-pricing","en\u002Fquestions\u002Fhow-to-account-for-the-fee-in-pricing","kak-uchityvat-komissiyu-v-cene","EePvgFXVvC8eG6_h3pDDR_RN3SP2mDC298451EVnUAU",{"id":5698,"title":5699,"answer":5700,"body":5701,"category":513,"description":5743,"extension":130,"meta":5744,"modifiedAt":132,"navigation":133,"pairId":5745,"path":5746,"publishedAt":2682,"question":5747,"relatedPath":3134,"seo":5748,"seoTitle":5749,"sitemap":5750,"slug":5751,"stem":5752,"translationSlug":5753,"__hash__":5754},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-an-escrow-deal.md","What Is An Escrow Deal","An escrow-style deal holds the buyer money until the obligations are confirmed as met, and only then releases it to the seller. The buyer knows their money is safe, and the seller knows the order is paid and the funds are reserved.",{"type":9,"value":5702,"toc":5739},[5703,5705,5707,5718,5722,5733],[12,5704,5700],{},[15,5706,1287],{"id":1286},[23,5708,5709,5712,5715],{},[26,5710,5711],{},"Platforms where the deal happens between two users rather than with a store.",[26,5713,5714],{},"Services with a delayed result, where the work is accepted later.",[26,5716,5717],{},"Expensive one-off purchases where both sides are wary of each other.",[15,5719,5721],{"id":5720},"how-it-differs-from-ordinary-payment","How it differs from ordinary payment",[23,5723,5724,5727,5730],{},[26,5725,5726],{},"The money does not reach the seller right after the payment is confirmed.",[26,5728,5729],{},"There is an acceptance step: confirmation releases funds, a dispute pauses them.",[26,5731,5732],{},"The hold period is limited, after which the deal closes by the platform rules.",[12,5734,5735,5736,119],{},"How this works with us is on the ",[110,5737,5738],{"href":3134},"secure deal page",{"title":121,"searchDepth":122,"depth":122,"links":5740},[5741,5742],{"id":1286,"depth":122,"text":1287},{"id":5720,"depth":122,"text":5721},"Funds are held until fulfilment is confirmed and only then released. Who needs it and how it differs from an ordinary payment.",{},"question-71","\u002Fen\u002Fquestions\u002Fwhat-is-an-escrow-deal","What is an escrow-style deal and when is it needed?",{"description":5743},"Escrow-style deals: how they work and who needs them",{"loc":5746},"what-is-an-escrow-deal","en\u002Fquestions\u002Fwhat-is-an-escrow-deal","chto-takoe-bezopasnaya-sdelka","hyd_nbA67Q2V7SpNv23ecAd_mSywewoXMmE5ucZfgzs",{"id":5756,"title":5757,"answer":5758,"body":5759,"category":513,"description":5808,"extension":130,"meta":5809,"modifiedAt":132,"navigation":133,"pairId":5810,"path":5811,"publishedAt":2682,"question":5812,"relatedPath":2684,"seo":5813,"seoTitle":5814,"sitemap":5815,"slug":5816,"stem":5817,"translationSlug":5818,"__hash__":5819},"questions_en\u002Fen\u002Fquestions\u002Fmcc-code-versus-business-activity-code.md","Mcc Code Versus Business Activity Code","A business activity code is declared by you when the business is registered, while the MCC code is assigned by the payment side based on what you actually sell. That is why they regularly diverge: the register may list a broad range while the MCC is a single one matching the real assortment.",{"type":9,"value":5760,"toc":5804},[5761,5763,5767,5784,5788,5799],[12,5762,5758],{},[15,5764,5766],{"id":5765},"the-difference","The difference",[23,5768,5769,5775,5781],{},[26,5770,5771,5774],{},[29,5772,5773],{},"The activity code"," is about registration and reporting to the state.",[26,5776,5777,5780],{},[29,5778,5779],{},"The MCC"," is about payments: banks use it for cashback and risk scoring.",[26,5782,5783],{},"You choose the first yourself; the second is assigned at onboarding after review.",[15,5785,5787],{"id":5786},"why-it-matters","Why it matters",[23,5789,5790,5793,5796],{},[26,5791,5792],{},"MCC drives buyer cashback and whether corporate cards work with your store.",[26,5794,5795],{},"A mismatch between MCC and the real assortment invites questions from payment systems.",[26,5797,5798],{},"When the assortment changes, the code should be revisited rather than left as is.",[12,5800,5801,5802,119],{},"What an MCC code is and what it affects is covered ",[110,5803,2735],{"href":1709},{"title":121,"searchDepth":122,"depth":122,"links":5805},[5806,5807],{"id":5765,"depth":122,"text":5766},{"id":5786,"depth":122,"text":5787},"An activity code is declared at registration while MCC is assigned by what you actually sell. The difference and why they often diverge.",{},"question-72","\u002Fen\u002Fquestions\u002Fmcc-code-versus-business-activity-code","How does an MCC code differ from a business activity code?",{"description":5808},"MCC code versus business activity code",{"loc":5811},"mcc-code-versus-business-activity-code","en\u002Fquestions\u002Fmcc-code-versus-business-activity-code","chem-otlichaetsya-mcc-ot-okved","TOqX9GSgfPxzIkULICm3wm4jtA2w3B1IAZUzGT0wTSI",{"id":5821,"title":5822,"answer":5823,"body":5824,"category":513,"description":5873,"extension":130,"meta":5874,"modifiedAt":132,"navigation":133,"pairId":5875,"path":5876,"publishedAt":2682,"question":5877,"relatedPath":5867,"seo":5878,"seoTitle":5879,"sitemap":5880,"slug":5881,"stem":5882,"translationSlug":5883,"__hash__":5884},"questions_en\u002Fen\u002Fquestions\u002Fstatic-versus-dynamic-qr.md","Static Versus Dynamic Qr","A static QR code is printed once and carries no amount — the buyer enters it themselves. A dynamic one is generated for a specific order with the amount and purpose already filled in, leaving the buyer only to confirm.",{"type":9,"value":5825,"toc":5869},[5826,5828,5832,5849,5851,5862],[12,5827,5823],{},[15,5829,5831],{"id":5830},"when-each-fits","When each fits",[23,5833,5834,5840,5846],{},[26,5835,5836,5839],{},[29,5837,5838],{},"Static"," — for a point of sale where the amount differs every time and the seller states it.",[26,5841,5842,5845],{},[29,5843,5844],{},"Dynamic"," — when the order already exists: less room for an error in the amount.",[26,5847,5848],{},"Showrooms and field sales usually use both: a code at the desk and a link per order.",[15,5850,490],{"id":489},[23,5852,5853,5856,5859],{},[26,5854,5855],{},"With a static code, verify the amount: the buyer may enter the wrong figure.",[26,5857,5858],{},"A dynamic code can simply be sent as a link — scanning is optional.",[26,5860,5861],{},"Both need internet access on the buyer side, not the seller side.",[12,5863,5864,5865,119],{},"How to accept QR payments is on the ",[110,5866,5868],{"href":5867},"\u002Fen\u002Fpayment-qr","QR payments page",{"title":121,"searchDepth":122,"depth":122,"links":5870},[5871,5872],{"id":5830,"depth":122,"text":5831},{"id":489,"depth":122,"text":490},"A static code is printed once and carries no amount; a dynamic one is generated per order. Which one fits which sales scenario and what to watch for.",{},"question-73","\u002Fen\u002Fquestions\u002Fstatic-versus-dynamic-qr","How does a static QR code differ from a dynamic one?",{"description":5873},"Static versus dynamic QR codes",{"loc":5876},"static-versus-dynamic-qr","en\u002Fquestions\u002Fstatic-versus-dynamic-qr","chem-otlichaetsya-staticheskiy-qr-ot-dinamicheskogo","jLzxE-iBCb7GOwbNC7J5Tlqu77VjiXY4iyHVy1L9RFs",{"id":5886,"title":5887,"answer":5888,"body":5889,"category":603,"description":5932,"extension":130,"meta":5933,"modifiedAt":132,"navigation":133,"pairId":5934,"path":5935,"publishedAt":2682,"question":5936,"relatedPath":2684,"seo":5937,"seoTitle":5938,"sitemap":5939,"slug":5940,"stem":5941,"translationSlug":5942,"__hash__":5943},"questions_en\u002Fen\u002Fquestions\u002Fdo-i-need-a-licence-to-accept-payments.md","Do I Need A Licence To Accept Payments","An ordinary store needs no licence to accept payments: the financial side is handled by licensed providers and banks, while the merchant simply sells their goods. Permits may be required not because of payments but because of what exactly you sell.",{"type":9,"value":5890,"toc":5928},[5891,5893,5897,5908,5912,5923],[12,5892,5888],{},[15,5894,5896],{"id":5895},"when-permits-are-still-needed","When permits are still needed",[23,5898,5899,5902,5905],{},[26,5900,5901],{},"Licensed activities: healthcare, education, insurance and the like.",[26,5903,5904],{},"Restricted goods: alcohol, medicines, jewellery.",[26,5906,5907],{},"Handling other people money: collecting payments for third parties has separate terms.",[15,5909,5911],{"id":5910},"what-onboarding-checks","What onboarding checks",[23,5913,5914,5917,5920],{},[26,5915,5916],{},"That the site matches the declared activity.",[26,5918,5919],{},"That permits exist if the category requires them.",[26,5921,5922],{},"Who actually receives the money: the seller of the goods or an intermediary.",[12,5924,5925,5926,119],{},"Which documents onboarding requires is covered ",[110,5927,2735],{"href":871},{"title":121,"searchDepth":122,"depth":122,"links":5929},[5930,5931],{"id":5895,"depth":122,"text":5896},{"id":5910,"depth":122,"text":5911},"An ordinary store needs no licence — the provider holds one. When permits are still required and what onboarding checks.",{},"question-74","\u002Fen\u002Fquestions\u002Fdo-i-need-a-licence-to-accept-payments","Does a merchant need a licence to accept payments?",{"description":5932},"Do you need a licence to accept payments online",{"loc":5935},"do-i-need-a-licence-to-accept-payments","en\u002Fquestions\u002Fdo-i-need-a-licence-to-accept-payments","nuzhna-li-licenziya-dlya-priema-platezhey","hn2NkmXsLYnyGpwk9fZAJ-vwOR9E-TdX-5XKV_PIeew",{"id":5945,"title":5946,"answer":5947,"body":5948,"category":603,"description":5989,"extension":130,"meta":5990,"modifiedAt":132,"navigation":133,"pairId":5991,"path":5992,"publishedAt":2682,"question":5993,"relatedPath":4732,"seo":5994,"seoTitle":5995,"sitemap":5996,"slug":5997,"stem":5998,"translationSlug":5999,"__hash__":6000},"questions_en\u002Fen\u002Fquestions\u002Fwhat-buyer-data-a-receipt-needs.md","What Buyer Data A Receipt Needs","An electronic receipt needs a contact to send it to: an email address or a phone number. Identity documents, home addresses and similar details are not part of a receipt — there is no reason to collect them just in case.",{"type":9,"value":5949,"toc":5985},[5950,5952,5954,5965,5969,5980],[12,5951,5947],{},[15,5953,3074],{"id":3073},[23,5955,5956,5959,5962],{},[26,5957,5958],{},"A contact for delivering the receipt — email or phone.",[26,5960,5961],{},"The order contents: item names, quantities and prices.",[26,5963,5964],{},"The settlement type: sale, refund, prepayment or its offset.",[15,5966,5968],{"id":5967},"what-not-to-collect","What not to collect",[23,5970,5971,5974,5977],{},[26,5972,5973],{},"Identity documents and addresses — they are not part of a receipt.",[26,5975,5976],{},"Card details: you never receive them and cannot store them.",[26,5978,5979],{},"Extra form fields lower conversion and increase your data responsibility.",[12,5981,5982,5983,119],{},"What the receipt itself must contain is covered ",[110,5984,2735],{"href":2419},{"title":121,"searchDepth":122,"depth":122,"links":5986},[5987,5988],{"id":3073,"depth":122,"text":3074},{"id":5967,"depth":122,"text":5968},"A receipt needs only a contact to send it to — an email or a phone number. What you have to collect for it and what is better left uncollected.",{},"question-75","\u002Fen\u002Fquestions\u002Fwhat-buyer-data-a-receipt-needs","What buyer data does a fiscal receipt need?",{"description":5989},"What buyer data a fiscal receipt needs",{"loc":5992},"what-buyer-data-a-receipt-needs","en\u002Fquestions\u002Fwhat-buyer-data-a-receipt-needs","kakie-dannye-pokupatelya-nuzhny-dlya-cheka","tIR8Y1LL8YCk3qKJOGYpiUPGGsJCnZPyYMfrOiL68F0",{"id":6002,"title":6003,"answer":6004,"body":6005,"category":603,"description":6046,"extension":130,"meta":6047,"modifiedAt":132,"navigation":133,"pairId":6048,"path":6049,"publishedAt":2682,"question":6050,"relatedPath":4009,"seo":6051,"seoTitle":6052,"sitemap":6053,"slug":6054,"stem":6055,"translationSlug":6056,"__hash__":6057},"questions_en\u002Fen\u002Fquestions\u002Fis-consent-for-data-processing-required.md","Is Consent For Data Processing Required","Yes, if you collect buyer contacts — and without them you cannot send a receipt or arrange delivery. The site needs a personal data policy and explicit consent in the order form, rather than a pre-ticked checkbox.",{"type":9,"value":6006,"toc":6042},[6007,6009,6013,6024,6026,6037],[12,6008,6004],{},[15,6010,6012],{"id":6011},"what-the-site-must-have","What the site must have",[23,6014,6015,6018,6021],{},[26,6016,6017],{},"A personal data policy reachable from any page.",[26,6019,6020],{},"A separate consent checkbox in the form, not ticked by default.",[26,6022,6023],{},"A statement of who processes the data and for what purpose.",[15,6025,490],{"id":489},[23,6027,6028,6031,6034],{},[26,6029,6030],{},"You do not collect card data: the provider accepts it on their side.",[26,6032,6033],{},"Do not request more than the order and the receipt need — that is extra liability.",[26,6035,6036],{},"The policy and terms are checked when payments are connected.",[12,6038,6039,6040,119],{},"What else is reviewed before onboarding is covered in ",[110,6041,3999],{"href":2122},{"title":121,"searchDepth":122,"depth":122,"links":6043},[6044,6045],{"id":6011,"depth":122,"text":6012},{"id":489,"depth":122,"text":490},"A store collecting buyer contacts needs a privacy policy and consent. What to publish on the site and where it is checked.",{},"question-76","\u002Fen\u002Fquestions\u002Fis-consent-for-data-processing-required","Is consent for personal data processing required?",{"description":6046},"Is data processing consent required in a store",{"loc":6049},"is-consent-for-data-processing-required","en\u002Fquestions\u002Fis-consent-for-data-processing-required","nuzhno-li-soglasie-na-obrabotku-dannyh","xCLGDmj041IXyRd-YtvtQGSx9sr2r_YY2XEwtNvzMec",{"id":6059,"title":6060,"answer":6061,"body":6062,"category":128,"description":6102,"extension":130,"meta":6103,"modifiedAt":132,"navigation":133,"pairId":6104,"path":6105,"publishedAt":2682,"question":6106,"relatedPath":2684,"seo":6107,"seoTitle":6108,"sitemap":6109,"slug":6110,"stem":6111,"translationSlug":6112,"__hash__":6113},"questions_en\u002Fen\u002Fquestions\u002Frefunding-to-a-closed-card.md","Refunding To A Closed Card","A refund always follows the same route as the payment — back to the same card. If the card was reissued or closed, the buyer bank usually credits the money to their account; if the account itself is closed, the buyer has to contact their bank.",{"type":9,"value":6063,"toc":6098},[6064,6066,6068,6079,6083,6094],[12,6065,6061],{},[15,6067,4899],{"id":4898},[23,6069,6070,6073,6076],{},[26,6071,6072],{},"Issues the refund as usual, against the original operation.",[26,6074,6075],{},"Keeps the operation confirmation: the buyer will need it at their bank.",[26,6077,6078],{},"Does not send money by another route \"instead\" — that creates a double refund.",[15,6080,6082],{"id":6081},"what-to-tell-the-buyer","What to tell the buyer",[23,6084,6085,6088,6091],{},[26,6086,6087],{},"With a reissued card the money usually arrives automatically.",[26,6089,6090],{},"If the account is closed, it is their bank that resolves it, not the store.",[26,6092,6093],{},"Crediting time depends on the bank and may differ from an ordinary refund.",[12,6095,2732,6096,119],{},[110,6097,2735],{"href":267},{"title":121,"searchDepth":122,"depth":122,"links":6099},[6100,6101],{"id":4898,"depth":122,"text":4899},{"id":6081,"depth":122,"text":6082},"A refund follows the original route, and with a closed card the money reaches the buyer through their bank. What the merchant does.",{},"question-77","\u002Fen\u002Fquestions\u002Frefunding-to-a-closed-card","How do I refund when the buyer card is closed?",{"description":6102},"Refunding when the buyer card is closed",{"loc":6105},"refunding-to-a-closed-card","en\u002Fquestions\u002Frefunding-to-a-closed-card","kak-vernut-dengi-na-zakrytuyu-kartu","yKyJUBMrlTp1egWyJLXASkT0nb7BtQBWTBL5Ck2dpcg",{"id":6115,"title":6116,"answer":6117,"body":6118,"category":128,"description":6175,"extension":130,"meta":6176,"modifiedAt":132,"navigation":133,"pairId":6177,"path":6178,"publishedAt":2682,"question":6179,"relatedPath":2745,"seo":6180,"seoTitle":6181,"sitemap":6182,"slug":6183,"stem":6184,"translationSlug":6185,"__hash__":6186},"questions_en\u002Fen\u002Fquestions\u002Fwhy-a-payout-is-smaller-than-turnover.md","Why A Payout Is Smaller Than Turnover","Three things almost always explain the gap: the fee withheld, refunds during the period and operations that have not made it into a transfer yet. Add them up and the figure matches the payout register.",{"type":9,"value":6119,"toc":6171},[6120,6122,6126,6151,6155,6166],[12,6121,6117],{},[15,6123,6125],{"id":6124},"what-makes-up-the-difference","What makes up the difference",[23,6127,6128,6134,6139,6145],{},[26,6129,6130,6133],{},[29,6131,6132],{},"The fee."," Withheld before settlement, so the account receives less than turnover.",[26,6135,6136,6138],{},[29,6137,3172],{}," They reduce the next payout even if the purchase was in an earlier period.",[26,6140,6141,6144],{},[29,6142,6143],{},"Unfinished operations."," Payments on Hold or Processing are not part of a payout.",[26,6146,6147,6150],{},[29,6148,6149],{},"Period boundaries."," An operation late in the day may fall into the next transfer.",[15,6152,6154],{"id":6153},"how-to-check","How to check",[23,6156,6157,6160,6163],{},[26,6158,6159],{},"Open the payout register and reconcile its contents with the bank statement.",[26,6161,6162],{},"Check refunds for the period separately — they are the most common cause.",[26,6164,6165],{},"If it still does not add up, contact support with the register number.",[12,6167,6168,6169,119],{},"When money reaches the account is covered ",[110,6170,2735],{"href":2681},{"title":121,"searchDepth":122,"depth":122,"links":6172},[6173,6174],{"id":6124,"depth":122,"text":6125},{"id":6153,"depth":122,"text":6154},"The gap comes from the withheld fee, refunds and operations not yet included. How to break the difference down and reconcile it with the register.",{},"question-78","\u002Fen\u002Fquestions\u002Fwhy-a-payout-is-smaller-than-turnover","Why is a payout smaller than turnover for the period?",{"description":6175},"Why a payout is smaller than turnover",{"loc":6178},"why-a-payout-is-smaller-than-turnover","en\u002Fquestions\u002Fwhy-a-payout-is-smaller-than-turnover","pochemu-summa-vyplaty-menshe-oborota","T3KTCsMg69xk-uR7c3Eu4eYcjw4rb0ec1XYmQHOzfVc",{"id":6188,"title":6189,"answer":6190,"body":6191,"category":363,"description":6238,"extension":130,"meta":6239,"modifiedAt":132,"navigation":133,"pairId":6240,"path":6241,"publishedAt":2682,"question":6242,"relatedPath":2684,"seo":6243,"seoTitle":6244,"sitemap":6245,"slug":6246,"stem":6247,"translationSlug":6248,"__hash__":6249},"questions_en\u002Fen\u002Fquestions\u002Fwhat-to-do-about-suspicious-activity.md","What To Do About Suspicious Activity","A run of declines, many small payments from different cards, or orders with no interest in delivery are typical signs of card testing through your store. React immediately: such operations ruin your decline statistics and lead to disputes.",{"type":9,"value":6192,"toc":6234},[6193,6195,6199,6213,6215,6229],[12,6194,6190],{},[15,6196,6198],{"id":6197},"signs-to-watch","Signs to watch",[23,6200,6201,6204,6207,6210],{},[26,6202,6203],{},"Dozens of payment attempts in a short window, most of them declined.",[26,6205,6206],{},"The same amount charged from different cards in a row.",[26,6208,6209],{},"Orders where the buyer shows no interest in delivery terms.",[26,6211,6212],{},"A sudden spike of operations from countries you do not usually sell to.",[15,6214,193],{"id":4853},[23,6216,6217,6220,6223,6226],{},[26,6218,6219],{},"Limit payment attempts per order and add a pause between them.",[26,6221,6222],{},"Do not ship until the payment reaches the Completed status.",[26,6224,6225],{},"Collect the operation data and contact support — some checks happen on the service side.",[26,6227,6228],{},"Check whether your keys leaked: testing sometimes runs through the API, not the form.",[12,6230,6231,6232,119],{},"How anti-fraud works and why it declines payments is covered ",[110,6233,2735],{"href":3361},{"title":121,"searchDepth":122,"depth":122,"links":6235},[6236,6237],{"id":6197,"depth":122,"text":6198},{"id":4853,"depth":122,"text":193},"Repeated declines and odd orders are typical signs of card testing. Which signs to watch, what to do immediately and how to lower the risk.",{},"question-79","\u002Fen\u002Fquestions\u002Fwhat-to-do-about-suspicious-activity","What should I do about suspicious activity in my store?",{"description":6238},"Suspicious activity in a store: what to do",{"loc":6241},"what-to-do-about-suspicious-activity","en\u002Fquestions\u002Fwhat-to-do-about-suspicious-activity","chto-delat-pri-podozritelnoy-aktivnosti","dnXJxw8EtofnxqITL9x5VpqECnB4DoXMTyfg7li-I78",{"id":6251,"title":6252,"answer":6253,"body":6254,"category":363,"description":6302,"extension":130,"meta":6303,"modifiedAt":132,"navigation":133,"pairId":6304,"path":6305,"publishedAt":2682,"question":6306,"relatedPath":3134,"seo":6307,"seoTitle":6308,"sitemap":6309,"slug":6310,"stem":6311,"translationSlug":6312,"__hash__":6313},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-friendly-fraud.md","What Is Friendly Fraud","Friendly fraud is when a purchase is disputed by the buyer themselves rather than by a fraudster. Sometimes by mistake: they did not recognise the merchant name on the statement. Sometimes deliberately: they received the goods and pulled the money back through the bank, bypassing the store.",{"type":9,"value":6255,"toc":6298},[6256,6258,6262,6276,6280,6294],[12,6257,6253],{},[15,6259,6261],{"id":6260},"why-it-happens","Why it happens",[23,6263,6264,6267,6270,6273],{},[26,6265,6266],{},"The merchant name on the statement does not match the store name.",[26,6268,6269],{},"The purchase was made by a family member with the same card.",[26,6271,6272],{},"Writing to the bank feels easier than dealing with store support.",[26,6274,6275],{},"The goods arrived but did not match expectations and refund terms were unclear.",[15,6277,6279],{"id":6278},"what-lowers-the-share-of-disputes","What lowers the share of disputes",[23,6281,6282,6285,6288,6291],{},[26,6283,6284],{},"A recognisable merchant name on statements — the most common and cheapest fix.",[26,6286,6287],{},"A fast support reply: the people who reach the bank are the ones nobody answered.",[26,6289,6290],{},"Clear refund terms in a visible place rather than in the footer.",[26,6292,6293],{},"Delivery and acceptance confirmations — they double as evidence in a dispute.",[12,6295,3417,6296,119],{},[110,6297,2735],{"href":3132},{"title":121,"searchDepth":122,"depth":122,"links":6299},[6300,6301],{"id":6260,"depth":122,"text":6261},{"id":6278,"depth":122,"text":6279},"The buyer disputes their own purchase, by mistake or on purpose. The usual causes and what lowers the share of such disputes.",{},"question-80","\u002Fen\u002Fquestions\u002Fwhat-is-friendly-fraud","What is friendly fraud and how do I reduce it?",{"description":6302},"Friendly fraud: when a buyer disputes their own purchase",{"loc":6305},"what-is-friendly-fraud","en\u002Fquestions\u002Fwhat-is-friendly-fraud","chto-takoe-druzhestvennyy-frod","LKA-jm_8OTYz1Qeo9xXT-02FVQVj_tDn16BKrSHB8O0"]