Many people wonder how to pay by credit card through the website when ordering a product or service. Today, this question remains relevant, regardless of the services provided: online purchase of consumer goods, purchasing an air ticket or booking a hotel room.
It is worth paying attention to an important point: the user will be able to make a payment only if the site is connected to an online payment acceptance system. One such system is payment via Webpay. Let's consider its functionality and advantages.
Webpay allows its clients to accept payments using payment and bank cards: BELKARD, MasterCard, Visa, and make payments completely safely in online stores or services providing various services.
Using a specially created web interface - the “Internet acquiring” service, the company receives the right to manage payments by gaining access to its personal account. It is also possible to send invoices to clients by e-mail with maximum efficiency.
Internet acquiring
- Accepting payment by bank card on your website;
- Accepting payments in Belarusian rubles and other currencies;
- Gaining access to payment management in your personal account;
- Familiarization with all information about payments made;
- Issuing electronic invoices for payment.
The Webpay system offers companies connected to the service a high-quality and sophisticated product:
- Functional tool. Payment is accepted on the site no matter where in the world you are. Payment authorization goes through two stages. When working with a convenient personal account, you can generate reports on payments and invoicing.
- Safe operation of the system. Includes 3D-Secure protection technology. Compliance with international standards when working with payment cards.
- Support at all stages of working with the system.
How to enable webpay payment on the site
In order to set up payment on the site and start accepting real payments, you need to go step by step and complete several steps to connect to the system:
- You must fill out an application;
- After processing the application, you need to check the site for compliance with the requirements; for this you need to gain access to the test environment and familiarize yourself with all the necessary information provided by the manager;
- Receipt of contracts is carried out after confirming readiness to connect the service and sending a message to the manager;
- The received agreements must be signed and sent to the Webpay office;
- After the documents are signed by all parties: your company, webpay and the bank, a system for accepting payments will be set up on your website;
- To start accepting payments, Webpay will provide you with data to work in the system.
Advantages of paying for WebPay services:
- 0% commission when using bank cards;
- Guarantor of security during transactions - card numbers are not saved;
- Funds arrive instantly and around the clock.
Despite the advantages and disadvantages of using the service, there is one drawback in this system: Webpay ignores Maestro cards.
How to make a payment through the Webpay system
In order for the user to make a payment, it is necessary to fill out and confirm the entered information:
- Go to a website that provides online services;
- Select the service you need to pay for;
- Enter your bank card number (your 16 characters);
- Then enter your personal account number;
- You will be presented with a receipt containing your payment details;
- Check the entered data again and proceed to payment - “Proceed to payment”
When making a payment, you should carefully enter the data. Correctly entered data guarantees confidence and security when making payments for the selected service. Please enter your personal information carefully:
- FULL NAME.
- Card expiry date
- CVC/CVC2 code (on the back of the card)
- E-mail address
- Phone number
- Entering a captcha (a digital code that protects the service from robots)
When entering personal data, the system will display visual prompts. After selecting the “Pay” function, be sure to download or print the receipt. Also, after making the payment, an automatic letter will be delivered to your email confirming payment for the service. This letter will contain all the detailed information about the payment, as well as telephone numbers for inquiries.
You can connect the Webpay system to your website with us! Call or send a request.
We are pleased to inform you that ArtisMedia LLC, together with its partner represented by one of the largest banks in the Republic of Belarus, namely Belagroprombank OJSC, is ready to offer the opportunity to develop an online store website with an already integrated ability to accept payments by bank payment cards .
OJSC Belagroprombank has all the necessary certificates for merchant acquiring of VISA, MasterCard Worldwide and BELKART payment systems. It has certificates of compliance with the requirements of the PCI-DSS security standard, supports additional authentication technology using 3D-Secure technology and provides an absolutely secure payment solution for making Internet payments.
The Internet acquiring service provides the opportunity for holders of bank payment cards to make payments for purchased goods/works/services directly on the page of your online store by entering card details, while to enter card details the holder is redirected from the online store page to a special secure page maintained by providers - Internet Payment Service Provider (IPSP).
In the context of the partnership between Belagroprombank OJSC and ArtisMedia LLC, we are ready to offer you special conditions for the development of a website, as well as for the provision of Internet acquiring services, subject to an order for the development of a website from the ArtisMedia company with a built-in module for online trading.
Today we will take a closer look at similar systems Webpay and ePay from Priorbank. Let's find out what they are for?
SystemWebpay is an electronic service with which you can pay bills and accept payments. Webpay has its own website and mobile application, but, as we were assured by the Priorbank contact center, it is intended only for legal entities and entrepreneurs:
— Webpay - only for legal entities, and ePay is for individuals.
— So I won’t be able to pay for services and link cards to Webpay?
— If you are not a legal entity, then no...
Priorbank also explained that the Webpay service is intended only for legal entities, and sent us to the ePay website, where individuals can pay. Let us immediately note that the ePay service provides users only with a payment site, there is no mobile application, which is not very convenient.
EPay does not charge a commission for payment of services and accepts bank payment cards Visa, Mastercard, Maestro and BELKART Priorbank cards for payment.
By the way, in the ePay contact center we decided to clarify whether it is possible to pay for services with cards from other countries:
— Tell me, if I have a non-resident bank card, then I can pay for services.
- Yes. If it’s a Russian card, then up to 200 rubles, but the rest, unfortunately, not…
- I don’t quite understand. That is, you can only pay with Russian cards, but not with others?
- No.
Registration in the payment system takes place in just a few clicks - nothing complicated.
After completing it, you will be able not only to pay for services, but also to link your card in your personal account for convenience.
All you have to do is select the required payment in the ERIP tree, specify the details, card details, and enter the 3D-Secure password to confirm the payment.
Payment history can be viewed in your personal account in the section "Story", and a payment notification will be sent to your email address.
Everything seems simple, but it’s much more convenient and familiar to pay bills through a mobile application, so we decided to return to the Webpay system and still try to pay for something with its help, and to do this, register in the mobile application.
After installing the application, I immediately saw that the system allows you to pay for services without registration.
Using Webpay, which (according to Priorbank) does not work with individuals, I was able to not only pay for a mobile phone, but also send a check to my email and add the payment to the section "The Chosen".
To my surprise, the registration went through without any problems, even though I am not a legal entity, and I was able to find out that after registering as a legal entity, I can use an electronic wallet, withdraw money from it and link my card to simplify payments, as well as pay for a number of services using a payment card. cards.
So who is the app really for, and who can use it?
Having successfully registered and managed to pay for mobile communications, I decided to contact Priorbank again. After long conversations with the contact center, I finally received an answer:
— Registration forWebpay only for legal entities.
— And an electronic account is also for legal entities, and only they can link a card?
— Yes, you can only make online payments using it.
— What is the difference then between Webpay and ePay?
— When you pay on Webpay, you are redirected to ePay.
As a result, it remains a mystery to me why Priorbank knows its system and its capabilities so poorly. After all, if the system is the same, then it is much more convenient to use the mobile application, save payments, and pay for services from almost any card without commission, wherever you are.
Dear clients, if you decide to remotely purchase travel services of our company on the website www.travelhouse.by using electronic plastic bank cards, please read the purchase rules.
1. About the WEBPAY™ system
Payment is made by VISA™ and MasterCard™ bank cards through the WEBPAY™ electronic payment system. The WEBPAY™ electronic payment system is an opportunity to pay for your order of TravelHouse services using a VISA or MasterCard plastic card.
The WEBPAY™ electronic payment system is a secure online payment with VISA and MasterCard cards from all banks in the world in any currency. The WEBPAY™ electronic payment system is a convenient and absolutely safe means of payment for goods and services on the Internet. More details about the WEBPAY payment system can be found on the website www.webpay.by.
2. Payment security
Please note that any information provided by you when making transactions through the WEBPAY™ payment system is considered confidential and is not subject to disclosure. Receipt and processing of confidential information is carried out exclusively in the WEBPAY™ electronic payment system.
Data transmission occurs in secure mode via the SSL protocol with an asymmetric encryption algorithm and a 2048-bit key. This eliminates any possibility of interception of confidential information. Data is transmitted in encrypted form and stored only on a specialized server of the WEBPAY™ system.
3. Formation of prices and request for an invoice for payment
Prices in foreign currency indicated on the website www.travelhouse.by are for informational purposes only and are equivalent to prices in Belarusian rubles. Payment for tourist services occurs in Belarusian rubles at the rate of the National Bank of the Republic of Belarus on the day of invoice + 2%, unless otherwise specified in the contract for the provision of tourist services. To receive an agreement and an invoice for payment in Belarusian rubles, you must place an order on the website www.travelhouse.by, or contact the company’s specialists in any way convenient for you.
4. Procedure for ordering a service
Most travel packages are listed in the search engine on the “tour search” page. Having set the desired parameters for your vacation and waiting for the search results to load, you should select a hotel (by clicking on the hotel name, you can read detailed information about it). Having chosen the hotel that suits you, as well as the date and duration of your stay, click the “book” button. Fill out the order form and expect an invoice and a link to pay for the tour to the email address specified in the order form.
Also, many “last minute”, exclusive, most advantageous offers are selected daily using special software and manually by our specialists and posted on the pages “last minute tours”, “sea tours”, “bus tours” (bus tours are presented only on the same page page), “early booking tours”.
By clicking on the name of the tour or its picture, you are taken to a page of its detailed description - hotel description, tour program, possible surcharges. After you have chosen one of the tours, click the “order” button, fill out the form and, just as in the case of choosing a tour on the “tour search” page, expect an agreement for the provision of travel services, an invoice and a link to payment on the email address specified in the order form. Before you start paying for the tourist services you ordered, you should read the contract for the provision of tourist services and sign it to us via email or fax. After first reading the step-by-step instructions posted in the “” section and following the link to the secure page, you should pay the invoice using the details of your bank plastic card.
Attention! Your application is preliminary. The data in the tour search system is updated automatically once every 15 minutes, so you can find out the exact information about the availability of seats on the flight and in the hotel of your choice after updating the information by our specialist. Also, if there are no places available for the selected date, our specialist will be able to select for you other vacation options according to the necessary parameters.
Some mandatory surcharges are not displayed in the tour search system. For example, surcharges for festive events (New Year's dinner), fuel surcharge from some cities of departure to some countries (for example, as a rule, from Moscow to Egypt and Turkey - 40 USD each at the rate of the National Bank on the day of payment from 1 person in both directions).
5. Procedure for payment for tourist services
- Choose the tour you like and click the “book” button.
- Fill out the order form.
- You will receive a contract, invoice and payment link to your email address.
- Follow the link to the secure payment page and enter your bank card details.
- Expect to receive a booking sheet with the details of your trip after confirmation of availability by email.
- You are expecting to receive electronic documents for air travel, transfer and hotel accommodation, an insurance policy, additional instructions, etc. Also, all this can be received in our office, by courier, or at the airport of departure by agreement.
6. Procedure for confirming a reservation and debiting funds
After paying for the tour according to the invoice issued by us, the funds on your card account are not debited, but are only temporarily blocked until we receive final confirmation of availability from the tour operator, host travel company, airline, hotel. After confirmation is received, the funds are debited. Receipt of confirmation, as a rule, occurs within 1 business day, but no later than 3 days.
If the tour is not confirmed (there are no available seats), the blocking of funds on your card is removed within 1 banking day and the funds become available within the period specified by your bank (usually within 3 banking days), or, at your request , we agree on changes in travel details: choose another hotel, departure date, duration. After this, we issue an invoice again, taking into account the previously paid amount. Refund of the difference in funds (if the cost of a new booking of services is lower than the original) occurs after receiving confirmation of the availability of seats for a new order from TravelHouse company partners within 1 banking day.
Within 1 business day after confirming the availability of seats and successful debiting of funds, you will receive a reservation sheet with the details of your trip to the e-mail you specified earlier in the order form.
7. Receiving documents for paid tourist services
No later than one day before the start date of the tour, you also receive electronic documents for the services indicated in the invoice: as a rule, these are electronic air tickets, electronic vouchers for transfers and hotel check-in, an insurance policy, etc. You can also pick up these documents in printed form at our office. Upon agreement, documents can be delivered by TravelHouse courier. In some cases, electronic documents are provided only at the departure airport; printing of documents is also possible after presenting your passport at the counters of our partners at the departure airport.
8. Micropayment
In some cases, especially in the case of payment from a card issued by a non-resident bank of the Republic of Belarus, or when paying from outside the Republic of Belarus, it is possible to use an additional mechanism for protecting against fraud on the Internet - “micropayment”.
The micropayment procedure is an additional protection against fraudsters. It is especially important when the delivery of the goods and the country of the payer are different. After entering the card details on the WEBPAY™ payment page, a random amount from 1 to 4 USD is blocked, which is later automatically unlocked and becomes available to the payer. The payer can find out about the amount of the blocked micropayment amount from his bank, where the card was issued, by phone, in the Internet bank, or by receiving an SMS from the bank. Then, on the special WEBPAY™ payment page, the payer enters either the micropayment amount or an authorization code. If entered correctly, payment for the product or service is allowed.
9. Refund procedure
In case of refusal to provide tourist services, the Client will be refunded the funds minus the actual costs incurred by the Contractor. If there are valid reasons for refusing purchased travel services, the Client provides official documents confirming such circumstances. Each such case is considered individually, together with partners a decision is made on the amount of refund, the refund is made to the same bank plastic card from which the payment was made within 3 banking days. Acceptance of requests for refunds, as well as claims for travel services provided, occurs no later than 30 days from the start date of the tour.
Attention! After making a payment using a bank card, you must save the received card receipts (payment confirmations received in the online store) for reconciliation with an extract from the card account (in order to confirm completed transactions in case of disputes).
Safely pay online for goods and services.
Convenience for individuals is the ability to purchase goods, plane tickets, book a hotel room or pay for another service online, and do so instantly and safely.
Business customers have the chance to significantly increase their customer base by allowing them to shop from the comfort of their home. Companies can accept payments in different currencies, manage payments in their WEBPAY personal account, and promptly send invoices to clients by email. In this case, a specially created web interface is used. The service is called . This is a dynamic and promising market segment.
WEBPAY security guarantees
- Compliance with the international Payment Card Industry Data Security Standard;
- PCI DSS version 3.1 certificate;
- accreditation as a Visa and MasterCard service provider;
- protection of each transaction using Verified (Visa) and MasterCard SecureCode technologies;
- 3D-Secure technologies and micro-payment.
The WEBPAY payment system does not charge the card account. However, this can be done by the bank that issued the card. Details should be clarified with its representatives.
WEBPAY in Belarus
The system is presented in our country as a way to make purchases on the Internet (on sellers’ websites) and pay for utilities and many other services (https://e-pay.by/).
Some sites indicate that the seller of the service accepts payment via WEBPAY - for this purpose, the system logo is placed on one of the pages.
How to make a payment via WEBPAY in Belarus
Let's look at how to use WEBPAY through the e-PAY service. It accepts BELKARD, VISA, MasterCard and Maestro.
We go to the website https://e-pay.by/.
Select the desired service.
Enter the number (16 digits printed on the front side).
Enter your personal account number.
A mini-receipt is displayed with payment details.
In the new window, check the information again and click “Proceed to payment.”
We carefully enter the data:
- first and last name (exactly as on the card),
- card expiration date (year and month - on the front side),
- CVC/CVC2 code (it is listed on the back of the card and consists of 3 digits),
- email address (payment notification will be sent to it),
- telephone number (to contact system specialists, if necessary),
- captcha (digital code that protects the service from spam robots).
Visual cues are displayed all the time (where the necessary information is indicated on the bank card).
Click “Pay”. A window appears with a receipt that you can immediately print.
Within a few minutes you will receive an email confirming your payment. It contains detailed information about the payment and lists help desk telephone numbers.
The fact is that the service provider for payment of utility bills is the ERIP “Calculation” system. We recommend that you contact the contact center of the "Raschet" ERIP system at phone number 141 or write to the email address[email protected] and clarify information on the data issued for payment.
The system accepts payments using Visa, MasterCard and BELKART bank cards; on the e-pay.by/plati.tut.by resource, bank cards issued by banks of the Republic of Belarus and the Russian Federation are accepted for payment. But some banks may set restrictions on the cards they issue for payment on the Internet. In this case, to obtain complete information about the possibility of making payments via the Internet using a card, you should contact the Customer Support Service of your bank at the phone number indicated on the back of your card.
Sending messages with a code to confirm payment is ensured by the issuing bank (the bank that issued the card). Therefore, if you have not received an SMS, we recommend that you contact the issuing bank (the support phone number is listed on the back of your card) and clarify information about sending messages.
After entering the card data and the page with information about blocking the amount and the field for entering this amount appears, you need to call the card issuing bank, say that you are trying to make a payment on a Belarusian resource, and currently the amount in dollars must be authorized on the card USA up to 4 USD. After the bank employee names this amount, you need to enter it in the input field and complete the payment. You can enter the amount either separated by a comma or by a period. You must enter not just any amount, but precisely the one that our system has blocked for verification and will be given to you by a bank employee (in US dollars). Information about the amount of the blocked amount is available only to employees of the issuing bank, as well as the rate for converting the currency of your card into US dollars.
The WEBPAY system does not charge any commission when making a payment. However, we draw your attention to the fact that some banks may impose a commission when making a payment on the Internet. We recommend that you clarify this information with your bank’s customer support service by calling the phone number indicated on the back of your card.
To cancel a payment, you must contact the service provider and clarify the cancellation information. Or you can contact the Contact Center of the "Raschet" ERIP system by phone number: 141 or write to the email address [email protected] and clarify information on canceling a payment.
The notification received is for informational purposes only and informs only that the return was carried out successfully in the WEBPAY system. The term for crediting funds to the card depends on the issuing bank (the bank that issued the card). We recommend that you check with the issuing bank for information about the timing of crediting funds to your card.
Connected online stores/sites about the “Calculation” ERIP system
When connecting, the period for testing the WEBPAY system, as well as the period for preparing a package of documents and bringing the site into compliance with the requirements, depends on you. When everything is ready for connection, we transfer the documents to OJSC “Non-Banking Credit and Financial Organization “ERIP”. Currently, documents are reviewed within 2 weeks.
Connected online stores/websites about online acquiring
After we have received your application, the manager will contact you within one business day using the contact details specified in the application. If you have not been contacted after this time, call us at + 375 17 269 04 30 or write to sales@site
When connecting to online acquiring, the website (online store) must meet certain requirements established by current legislation, the requirements of international payment systems and acquiring banks. You can view the requirements Here .
There is no need to open current accounts in Belarusian rubles with WEBPAY partner banks. Only in cooperation with BPS-Sberbank OJSC is it necessary to have a current account with this bank. For Priorbank OJSC and Belagroprombank OJSC, it does not matter in which Belarusian bank the current account is opened.
You can issue invoices for clients through your WEBPAY personal account, and no additional technical settings on the site are required. If you plan to accept payments directly on the site, then you will need to configure the module (for example, as a “cart”) in accordance with the WEBPAY technical documentation.
When connecting, the period for testing the WEBPAY system, as well as the period for preparing a package of documents and bringing the site into compliance with the requirements, depends on you. When everything is ready for connection, we transfer the documents to the bank. Currently, the bank reviews documents within 3-4 weeks.
The system ensures the acceptance of payments using Visa, MasterCard and BELKART bank cards, regardless of the bank in which country in the world the card was issued. Please note that some banks may set restrictions on the cards they issue for online payments.
For developers
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