Connection to a payment service is fast and convenient. Myth or Reality?

We know how important it is to quickly connect online payments both for a completely new business and for a long-term one. After all, every day of downtime is a missed opportunity.

But connecting acquiring is not the easiest process. To do this, the company needs to conclude an agreement with a payment service and add forms and buttons to receive payment to its website. In turn, the service must check the company for compliance with the requirements of regulators and set up the necessary methods for accepting payments. It sounds long, but most of our clients connect acquiring through UKassa in just 2-3 days.

In a series of articles, we will tell you how we manage to quickly connect businesses to accept online payments and what we do to make this process as easy as possible for our clients.

As it was before

It’s hard to believe, but when the Cashier had just appeared, the connection of acquiring was similar to the typical process of opening an account in a traditional bank – it was difficult, long, a lot of documents.

Everything looked something like this. The client left a request on the Cashier’s website with the company’s details. Our manager checked them and sent the client a letter with the terms of connection, a questionnaire and a list of necessary documents: copies of TIN, PSRN, organization charter, etc. (about 10 pieces in total). After a long correspondence (on average 5-10 letters), the manager received a full package of documents. Then he prepared the contract file – 21 pages with attachments. After signing by the client, the contract was approved by our lawyers, security service, financial monitoring and other internal services.

As a result, the connection took from 7 days to a month. Each time, this process took a lot of time and effort on both sides – and one could only dream of mass connecting stores.

Simplify application

Of course, we wanted more – and began to look for new technical solutions. Our first task was to simplify the application process, make it as convenient and easy as possible for the client.

1) Registration
It is important that the very first step of registration is simple. Therefore, we added the API of the DaData service to the registration form, which allows you to find the TIN of an organization by its name, and an individual entrepreneur – by the last name and first name of the entrepreneur. Thanks to this, now you do not need to waste time, for example, entering the TIN – we will show the suitable options ourselves.

2) Application form for concluding an agreement with the Cashier
After registration, access to the Personal Account opens, where you can fill out and submit a questionnaire for the contract. At the same time, access to the test store appears. On a test environment, you can get an API key and start integration right away while the legal process is in progress. But we will talk about this later in another article, and now we will dwell in more detail on the process of concluding an agreement …

As already mentioned, before signing a contract it was necessary to provide a lot of documents and fill out a questionnaire. It didn’t seem to us the best option to simply move the profile online. We decided to automate the collection of information on counterparties so that this data does not need to be entered manually, either by us or by companies. We found out that our lawyers and the commercial department use SPARK for similar tasks, but view the data manually on the website. We thought: why not automate this process too?

At first glance, the integration recipe looked simple:

  • we take a CRM system on the 1C platform (yes, it is on 1C),
  • add to it methods for receiving data from the SPARK exchange gateway for individual entrepreneurs and legal entities,
  • we receive data from SPARK and transfer it to the counterparty’s preliminary data storage.

In fact, everything turned out to be much more complicated, because at that time (2014-2015) we were pioneers in such integration.

Nevertheless, we managed to implement the integration. What did it give us? After registering a company on our website, a request with its TIN number falls into 1C, where an application for connection is immediately formed. To check the reliability of the legal entity, requests are sent to SPARK using the TIN number via the API. Based on the data received, a client card is created in our CRM. The same data is transferred to the client’s personal account. As a result, a significant part of the data for the contract is filled in automatically.

To work with companies, we also need other important information – for example, to which account to transfer money to them. For convenience, you only need to enter the bank’s BIK and the current account number in your personal account. By the BIC, we determine the rest of the bank details. And in order to reduce the likelihood of an error in the current account, we check the number of specified digits to match the account number and prompt if the current account belongs to another type of organization (for example, LLC instead of IE)

To connect, we also need the passport data of the head of the company that concludes an agreement with us. It should be noted that identification of the client by passport data is our duty to the regulator. And here, too, automation is not complete – we use software from the DBrain company. With the help of OCR and AI technologies, the system recognizes a passport with high quality in 2-3 seconds. It is enough to upload a scan or a photo of the main page of the passport – and the data will be filled in automatically. If the image is of poor quality, the system will prompt you.

In addition to automation, we try to simplify the questionnaire itself – to reduce the number of fields and questions as much as possible, to make the interface simpler. As a result, it now takes no more than 10 minutes to fill out a questionnaire for a contract.

Application processing – internal kitchen

After filling in the Personal Account, the questionnaire goes to the CRM, where the manager picks it up.

To connect as quickly as possible, a special group was allocated among all the managers who work with the Cashier’s clients. She leads clients during the first months from the date of application. New requests are automatically distributed evenly among our employees so that processing takes no more than 24 hours.

The manager checks the application form and attached documents of the company, as well as its website – for compliance. They are simple, but not always followed. To connect the payment acceptance, it is necessary that the company’s website, of course, work properly, that goods and services are posted on it, details and contacts are indicated – everything is as it should be shown to customers.

If something is wrong, the manager informs the company about it. We used to do it ourselves by mail. Now this process is also automated: the client receives an SMS with a link to his personal account, where it is described in detail what needs to be corrected.

When we already have data on a legal entity and a website, different scoring models are launched for evaluation by the security service. We evaluate a legal entity and a website – what it sells, what types of goods and services it offers. This allows us, on the one hand, to speed up the connection of more reliable counterparties, and on the other hand, not to miss those who may need to be checked more thoroughly.

During the check, the security service can also request additional information or documents through the manager. But if all is well, then usually the check lasts no more than one day.

Signing a contract and getting started

While the security checks are underway, we suggest that the client conclude an agreement with us. It is an offer, which is enough to sign on the client’s side and upload a scan or photo of the signed copy to your personal account.

In addition, you can use a technological and paperless way to sign an agreement – using an EDS. For this we use the Diadoc platform – one of the most popular document management systems in Russia. To conclude an agreement with us, it is enough to enter Diadoc with your CEP certificate (any one is suitable for submitting reports), sign and send us an offer. Our CRM system, using the API of the Diadoc service, checks the new received contracts and loads them into the client’s card. Working through an electronic document management system allows you to speed up the connection, especially for larger companies, where it takes time to transfer paper documents between employees.

After the conclusion of the contract and passing all the checks, a whole group of processes in internal systems starts automatically. Then, in your personal account, there appears, as we say, a “combat” store, where you can release an API key for making real payments on the site and invoicing customers.

At the time of the launch of the combat store, we register it simultaneously with several acquiring banks – this allows us to increase the payment conversion. So you can be sure that the transaction will go through for sure: if one bank has some kind of hitch, then we will make the payment through another. In parallel with this, we are launching a boarding of additional payment methods – for example, lending, payment through Qiwi, WebMoney. The necessary information is sent to partner companies, which in turn conduct their own checks. If suddenly there are failures, tasks to correct errors are automatically created. If all goes well, the desired payment methods are immediately enabled.

As you can see, we try to make the connection process as simple and as fast as possible. Automation and well-coordinated work of the Cashier team allow a business to connect accepting payments on the Internet in 2-3 days, and some of our clients are connected within one day. If you’re ready the same way welcome


In the following text, we will tell you what we are doing to simplify the technical integration of the Checkout with sites and services.

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