Order in the online store , payment to the courier in cash

In Russia, a purchase scheme in which an order is placed in an online store and payment is made to the courier in cash (Fig. 20.6) is the most common. By choosing the product in the online store, the buyer places an order, which indicates the delivery address. The courier brings the goods to the specified address and receives the money. The courier transfers all the necessary financial documents with the order.

 

 

 

Fig. 20.6. Cash payment upon delivery of goods by courier

 

The user, before paying for the order, can check the goods and refuse to purchase in case of marriage - thus, the probability of cheating the buyer in this case is not higher than in a regular store.

The disadvantages of this method of payment are manifested in the delivery of cheap goods that are comparable in value to the cost of courier services.

Delivery cost depends on its range and urgency. Delivery within the city, as a rule, is carried out by the courier service of the corresponding online store, delivery to other regions - by various specialized courier services.

C.O.D

This method involves delivery by mail and payment at the post office before receiving the goods. For postal services you will have to pay about 10% of the cost of the order. In addition to the additional cost of delivery, this method has another drawback: you can check the goods only after payment. However, for a number of remote areas, this is the only possible way to receive an order.

Prepay by bank transfer

After placing the order, the buyer is billed, which individuals can pay by bank transfer to the account of the online store. For example, when processing through Sberbank of the Russian Federation, the commission usually amounts to 3% of the order value. Private individuals can also make a payment by postal transfer of money to the account of the online store, which will cost an additional 10% of the order value.

Legal entities pay the order according to the invoice issued with account of the organization. This type of payment is more suitable for organizations.

Online Payment Methods

When purchasing electronic goods that can be downloaded directly from the Web (they are also called soft goods), it is logical to use electronic forms of payment. Here we are talking about buying software, information, paid electronic versions of newspapers and magazines, etc.

Credit card payment

The buyer selects the goods, places the order and enters the credit card number in the special field on the website of the online store. In order to prevent information on credit card details from being accessible to attackers, data is exchanged in a secure mode (points 1 and 2 in Fig. 20.7). After that, the online store contacts the buyer's bank to confirm its creditworthiness (paragraph 3). Having received a confirmation (paragraph 4), the store blocks a certain amount and sends the goods to the consumer electronically (paragraph 5).

 

 

 

Fig. 20.7. Credit Card Payment Scheme

 

It should be noted that not all credit cards are suitable for payment on the Internet. Most online stores accept three types of cards: American Express, Visa and MasterCard. In Russia, bank accounts have far fewer users than in the West, so non-bank payment systems are becoming increasingly popular. They differ from banks in that they issue money deposited in the bank, own electronic means of payment. Bank money is exchanged for the payment system and vice versa.

Each store has its own arsenal of payment systems. The most popular systems - WebMoney Transfer, CreditPilot, Yandex. Money and Rapida - we will consider in more detail.

WebMoney Transfer

This method can be recommended to those who are going to regularly make purchases on the Web. Owners of the so-called WebMoney electronic wallet will be able to use it. To receive a wallet, a client needs to install special software on his computer and transfer money to the WebMoney system account in some way. Further, by choosing the product and filling out the order form, the buyer pays. Payments in Web M oney are instant and irrevocable. The transfer of the soft goods to the buyer begins immediately after the transfer of funds to the seller’s electronic wallet (Fig. 20.8). In principle, the capabilities of the WebMoney Transfer system are much wider than just paying for goods in the online store. WebMoney Transfer is one of the most common and popular accounting systems, with the help of which everyone can exchange universal accounting units - WebMoney (WM) title units. Storage and instant transfer of title units from one participant to another is carried out using the WebMoney Keeper client program. The system uses several types of title characters: WMR - the equivalent of the ruble, WME - the equivalent of the euro, WMZ - the equivalent of the dollar.

 

 

 

Fig. 20.8. Payment scheme using WebMoney

 

More information can be found on the website www.webmoney.ru.

" Yandex.D engi "

" Yandex.D engi " - a digital cash, allowing you to make safe, instant, provable payments online - sales of goods and services to the channel with minimal overhead.

"The system Yandex.D engi " delivers performance and security. High reliability is ensured by using persistent transaction kriptografiche - Sgiach algorithms (with a key length of 1024 bits or more). To work, you only need a computer connected to the Internet. The free program " Internet. To the Eye " is installed from the system website. Work with the program does not require special training. All types of payments are available, including micropayments.

The system commission is charged to the payee and amounts to 1% of the transaction amount.

" Yandex.D engi " is particularly useful to pay for soft goods, which do not need to be delivered by courier or mail. It is convenient to pay for access to the Internet or for a mobile phone, for programs, subscription, advertising. Or to pay for gifts - when it is necessary to deliver material things (books, flowers), but not to you. Payments are quick and generally cheaper than paying with credit cards.

The system " Yandex.D engi " everyone can become not only the buyer but also the seller and resolve the problem of translation of money by installing itself "Purse". If you want to accept money directly from your site, the corresponding An HTML direct payment form can be mounted in 20 minutes.

Using the system " Yandex.D engi ", you can pay for mobile services, Internet access services IP telephony, satellite television, access to information, software, Internet advertising, Internet services hosting, utilities in several cities, tickets, online auction services, games, insurance, donations, etc.

More detailed information on the website www.money.yandex.ru

Rapida

To pay through the Rapida payment system, you need to purchase a Rapida card and register it on the operating site or by phone in automatic mode. Card "Rapida" is a universal card for payment of various goods and services via the Internet and by phone. With the help of the map "Slow motion" can be paid not only tons of - Vary online stores, but also utilities, Internet access, long distance telephone calls and carry out many other types of payments. To register, you just need to enter the system on the card. In the process of placing an order, you will be asked for the series and Rapida card number for issuing an electronic invoice. The Rapida system applies One-time access passwords, data transfer is provided by cryptographic protection. The Rapida system does not have the right to use customer money. A lost card can be blocked, the balance will be transferred to a new card if the card has already been paid and the system has information about its owner.

Unlike ordinary cards, here the client does not need to open a bank account and be at risk of debiting a large amount from the card. The Rapida system uses prepaid cards with a face value of 500, 1000 and 3000 rubles. The minimum delivery time for Rapida cards within Moscow within the Moscow Ring Road is two hours from the moment of order confirmation. Rapida card payments are made on the system’s operating site on the Internet, and some types of payments are even made by phone. After any payment, the user can receive a receipt certified by the settlement center of the system. The payment service allows you to attach the balance of the used Rapida card to a new card. This allows you to save the payment history and make payments, the amount of which exceeds the face value of the card. More information about the Rapida system can be found on the website www.rapida.ru.

United Marketplaces

By the principle of organization, an online store is like a regular store. But if we continue the analogy, it should be noted that for ordinary purchases (not network ones) we go not only to specialized stores, but also to the bazaar or to the fair, where you can visit dozens of stores under one roof. The idea is simple fair - organizers provide a huge trading platform, providing thus a place to meet a variety of trading firms and a large number of buyers. And, of course, they charge a certain percentage for their services. Similar trading schemes (integrated trading floors) exist on the Web.

They are an Internet service that allows you to collect offers from a large number of online stores in a single list.

The basis of this service is the model of the fair - on one site there are buyers and sellers of all kinds of goods. Within the framework of the united trading platform, there is more choice and probability of finding a product at the best price. In order to understand how wide the choice in such services is, just go to the Torg.ru website (www.torg.ru) and pay attention to at least one figure in the catalog: more than 50 thousand items are offered in the "Household Appliances" section.

The Torg.ru system provides buyers with an interface for searching and selecting products from different stores, and sellers with a wide audience of potential customers. Individual sellers (online stores) independently transmit information about their products to the system and make sure that it is up to date.

Buyers, using the system interface, look for the product they need, comparing prices offered by various sellers. Having made a choice, the visitor follows the link provided by the Torg.ru system, gets to the corresponding page of the store. In this case, a direct transaction occurs between the buyer and a specific online store, which receives money from the buyer and is responsible for the quality of the products offered.

 

Commerce through mediation

Like that in the non-electronic business sales opportunities through the work of agents, dealers, distributors, etc., The web is also a similar trading system. Her main idea is that part of her profit The online store gives to the intermediary, which leads to his Buyers site.

The essence of this process is shown in the diagram (Fig. 20.09).

 

 

 

Fig. 20.9. Affiliate Program Scheme

 

Affiliate Programs (affiliate or associate programs) were first used by Amazon and are now widely used on the Web (Table 20.1).

 

Table 20.1. Forms of intermediary services provided to online stores

 

Title	Principle of operation	Risk sharing
Banner placement	An advertiser (for example, an online store) pays for placing his banner on the intermediary's website	The advertiser (banner owner) takes all the risks. If no one clicks on the banner, the advertiser will not sell anything
Commission program affiliate or associate program	The store pays partners a commission on sales if customers come from an intermediary site	All risks are assumed by the site on which the links are located. If the site sends all customers to the online store, but no one buys anything, the owner of the advertising site will not earn anything
CPC programs	The store pays partners if customers come to it from their website, regardless of whether they bought something or not	The owner of the banner and the owner of the site on which the link is placed share responsibility. Payment is carried out only if there are clicks on links

 

Forms of mediation may vary. You, as an intermediary, can sell advertising place on your site for banners Online Store. Then you don’t care how many sales will happen from the submission of your site. You can also agree on an affiliate program. Affiliate programs usually mean that deductions by the store are made depending on the success of the intermediary who directs customers to seller’s site.

Affiliate programs are of two types: commission (when the owner of an advertising site receives percentage of sold on his product links) and the so-called CPC programs (CPC - Cost Per click, payment for click) when the store pays partners if buyers came from their site, regardless of whether they bought something or not.

Commission programs

The essence of commission -based affiliate programs is that an organization engaged in electronic business offers partners to earn money together with an online store. The store pays partners if buyers come from their sites to the store (in world practice, the commission for some products can reach 15%). For each order made by the buyer who came from your site, you are charged interest that you can spend in an affiliate online store or receive cash. Imagine that, starting from your site, all of a sudden they will start to buy a product, about the new properties of which you told the world. Then, to earn money, you do not have to create your own store!

Most stores attract everyone who has their own site and is ready to place relevant links on it. Typically, the amount of commission depends on the type of link. If you place a link to a basket of goods, you are charged the maximum percentage of its value. If you give a link to the product description, then the calculated percentage is lower. Conditions may also be specified when placing a link to the store.

All calculations can be carried out on the Web. For example, the owner of a partner site receiving a commission can open a personal account in the online store with which he works through an affiliate program, or create a personal wallet in the above WebMoney system.

Connecting to an affiliate program is easy. Typically, a potential partner is invited to register, i.e. provide certain information about yourself and get links that need to be placed on your site.

CPC programs

Later another form of partnership appeared - the program CPC Link (CPC - Cost Per Click), also sometimes called affiliate links or click-through links. Its essence is as follows. You put a link on your website, and the company pays you for each visitor who clicked on the company’s website using this link. The prices in this case are usually low (about 10 cents), so it makes sense to place links on the site only in case of high traffic. A CPC program is a cross between placing banners and a commission program.

E-commerce gives everyone the opportunity to try themselves not only as buyers, but also as sellers. And first of all it concerns intellectual products. You can sell digital photos, scripts, articles - all that is easily transmitted digitally. For example, on many sites where it is proposed to post copyrighted works, there is a column "Indicate the cost of your work for the publisher."

It’s a little more difficult to sell non-digital goods, but on the Internet, and sometimes it’s much easier to do than arrange sales through a regular store.