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YooKassa

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YooKassa
Native name
ЮKassa
Type of site
Online payment system
Available inEnglish, Russian, Chinese
OwnerYooMoney
URLyookassa.ru
CommercialYes
RegistrationYes
LaunchedOctober 2013; 11 years ago (2013-10)

YooKassa branded as ЮKassa (Previously Yandex.Checkout) (Russian: Яндекс.Касса), is a Russian online payment system operated by Yandex.Money, a joint venture of Russian technology corporation Yandex and the largest bank in Russia Sberbank.[1] Yandex.Checkout was launched in late 2013.

Since 2015, YooKassa has been the most popular payment application in Russia.[2][3][4] By the end of 2018, the service was used by over 106,000 websites around the globe, including major online retailers and government services portals, totaling for over 31% of online payment processing market in Russia by 2018.[4][5]

History

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The image shows which countries use Yandex Checkout service

Yandex.Checkout was launched for Russian customers in October 2013. By the end of 2014, the share of Yandex.Checkout in the Russian market of online payments reached 18%.[1][6]

In autumn 2016 Yandex.Checkout added support for Russia's national payment system Mir.[7] Since January 2017 the service has become a payment operator of ‘1C: Enterprise management automation system’ by 1C Company. A year later, in February 2018, the ‘1C’ company added the Yandex.Checkout payment module to the ‘1C: Enterprise’ standard electronic document library, which made it easier for 1.5 million commercial and budget organizations to receive payments and invoices via Yandex.Checkout.[8][9]

In June 2017 Yandex.Checkout announced integrations with online cash registers (CRE) in accordance with Federal Law No. 54-FZ "On the Application of Cash Register Equipment in Settlements in Cash and/or via Electronic Means of Payment" that enforced more severe rules on CRE use information exchange with Federal Tax Service.[10]

In 2018 Yandex.Checkout introduced support for Sberbank. Online payments and instant processing for payments between Sberbank business customers. The b2b service makes it easier to receive payments from the legal entities and speed up their processing.[11][12]

In 2015—2018 Yandex.Checkout increased its market share from 24% to over 31% in Russia.[6][2]

In 2014 Yandex.Checkout started partnering with Chinese marketplaces and online stores.[13] As of November 2017 Adyen expanded its partnership with Yandex.Checkout to enable retailers worldwide to accept most popular payments methods in Russia and the CIS.[14]

In 2018 Yandex.Checkout introduced an application for South Korean online merchants.[15] As of November 2018 Yandex.Checkout launched WeChat Pay payments for both online and offline businesses – it is being used by an increasing number of Chinese citizens.[16] Yandex.Checkout is also widely used to accept payments from customers in Russia and abroad by international companies such as AliExpress, JD.com, Joom, Umkamall, Gearbest, TradeEase, BlaBlaCar, Renault, iTunes, Skype, Nintendo, Riot Games, Wargaming, Blizzard and others.[7][17][18][19][20]

In 2019, the magazine "Banking Review" called this project "the best payment service in 2018".[21] Yandex.Checkout was recognized as "the Best PSP" at Merchant Payments Ecosystem (MPE) Conference 2019 in Berlin.[22]

Features

[edit]

Yandex.Checkout allows individual entrepreneurs, businesses and nonprofit organizations to receive payments in many ways: from bank cards, through Yandex.Money and other e-wallets, through mobile applications and Internet banking of Sberbank, Alfa-Bank, Promsvyazbank and Tinkoff Bank, cell phone accounts, using contactless technologies Apple Pay, Google Pay and WeChat Pay, as well as cash through 250 thousand payment acceptance points in Russia and other countries.[23][12][16][24] As a term of an additional agreement, it is possible to receive payments from cards of American Express, JCB and Diners Club cards.[25] The service has a number of specific options:

  • Invoicing by SMS, e-mail, in chats and messengers. Such receipts can be paid for by all means available in Yandex.Checkout.
  • Recurring payments: Yandex.Checkout can charge automatically at a specified time (autopayments).
  • Safe storage of card details, authorization hold and mass payouts.[26]
  • So-called Safe Deal feature for C2C marketplaces to reserve payments until goods or services are provided (since February 2016)[27][28]
  • Apple Pay, Google Pay (since June 2018), WeChat Pay support (since November 2018), and Garmin Pay (since December 2018)[12][16][29]
  • Installments and credit payments support (since March 2018)[30]
  • Payment forms integrated in live chat support applications, emails and messaging apps such as Telegram and Viber[31][32][33][34]
  • An API and mSDK for custom website and mobile application integrations and analytics[12][35][36]
  • Support for more than 70 cash registers form 9 Russian vendors in accordance with Federal Law No. 54-FZ and payment solution for purchases in Telegram messaging app[37][38][39]
  • An integrated deep learning-based anti-fraud system that's also available as a separate service for users that don't use Yandex.Checkout[40][41]
  • A built-in marketplace for business services such as website design, CRM integration, accounting, legal services etc.[42]

Integrations

[edit]

Yandex.Checkout supports integrations with popular content management systems, customer-relationship management systems and billing applications such as 1C-Bitrix, OpenCart, InSales, BILLmanager, RetailCRM and others. It can create QR invoices and generate payment forms that can be sent via email, chat or messenger apps.[43][44][31][33][34][45]

References

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  1. ^ a b Елизавета Серьгина (10 October 2013). ""Яндекс.Деньги" помогут Сбербанку". Ведомости. Retrieved 17 June 2019.
  2. ^ a b Наталья Ищенко (13 April 2017). "Все больше сайтов в рунете принимают онлайн-платежи". Ведомости. Retrieved 17 June 2019.
  3. ^ "Исследование платежных агрегаторов рунета 2017" (PDF). Исследовательский центр MARC. 12 April 2017. Archived from the original (PDF) on 16 January 2018. Retrieved 17 June 2019.
  4. ^ a b "Динамика подключения онлайн-платежей на сайтах Рунета". Исследовательский центр MARC. 12 April 2017. Archived from the original on 25 November 2019. Retrieved 17 June 2019.
  5. ^ "B2B payments revolution on Russian e-commerce soil". BankingTech.com. 7 May 2018. Retrieved 18 June 2019.
  6. ^ a b Андрей Фролов (3 March 2016). ""Яндекс.Касса" обошла Robokassa и стала самой популярной платформой для приёма платежей в России". VC.ru. Retrieved 17 June 2019.
  7. ^ a b "Россияне получили возможность оплачивать покупки на AliExpress картой "Мир"". Finanz.ru. 20 July 2017. Retrieved 17 June 2019.
  8. ^ Татьяна Короткова (10 January 2017). ""Яндекс.Касса" научилась принимать онлайн-платежи через "1С"". CNews.ru. Retrieved 17 June 2019.
  9. ^ Владимир Бахур (16 February 2018). ""Яндекс.Касса" стала первым платежным партнером "1С"". CNews.ru. Retrieved 17 June 2019.
  10. ^ "Яндекс.Касса разработала решение для передачи данных о платежах в онлайн-магазинах". Roem.ru. 1 June 2017. Retrieved 17 June 2019.
  11. ^ Albert Khabibrakhimov (16 October 2018). ""Яндекс.Касса" и "Сбербанк" запустили сервис для "мгновенных" расчётов между юрлицами". VC.ru. Retrieved 25 December 2018.
  12. ^ a b c d Альберт Хабибрахимов (13 July 2018). ""Яндекс.Касса" предложила бизнесу добавить Apple Pay, Google Pay и "Сбербанк Онлайн" в свои мобильные приложения". VC.ru. Retrieved 17 June 2019.
  13. ^ "Marketplace AliExpress Now Accepting Yandex.Money". DigitalCommerce360. 16 July 2014. Retrieved 18 June 2019.
  14. ^ "Adyen, Yandex.Checkout partner for online payments in Russia and the CIS". The Paypers. 14 November 2017. Retrieved 18 June 2019.
  15. ^ "Корейская сборка: зачем "Яндекс.Деньги" выходят на азиатские рынки". РБК. 16 November 2018. Retrieved 17 June 2019.
  16. ^ a b c Наталья Стрельцова (15 November 2018). ""Яндекс.Касса" позволит магазинам принимать оплату через WeChat Pay". Banki.ru. Retrieved 25 December 2018.
  17. ^ ""Яндекс.Деньги" делают доступнее китайскую площадку". Oborot.ru. 16 October 2016. Retrieved 17 June 2019.
  18. ^ "BlaBlaCar ввёл комиссию 20% с пассажиров в России". Секрет фирмы. 28 September 2016. Retrieved 17 June 2019.
  19. ^ "Игры для Nintendo Switch начали продавать через "Яндекс.Деньги"". Газета.Ru. 25 April 2017. Retrieved 17 June 2019.
  20. ^ ""Яндекс.Деньги" стали первым продавцом карт Blizzard". Газета.Ru. 1 August 2016. Retrieved 17 June 2019.
  21. ^ Eugenia Vlasenko (28 March 2019). "На дорожке ковровой при полном параде". Banking Review. Retrieved 25 December 2018.
  22. ^ "Yandex.Money wins Europe's Merchant Payments Ecosystem Best PSP Award 2019". Fintech Finance. 26 February 2019. Retrieved 25 December 2018.
  23. ^ "Тинькофф Банк подключился к Яндекс.Кассе". Плас Журнал. 14 February 2019. Retrieved 19 February 2019.
  24. ^ "С помощью Яндекс.Кассы компании теперь могут принимать платежи через письма". Retail-Loyalty.org. 31 May 2017. Retrieved 17 June 2019.
  25. ^ Екатерина Симикян (25 October 2018). "Сервис "Яндекс.Касса" начал принимать платежи по картам American Express, JCB и Diners Club". Rusbase. Retrieved 25 December 2018.
  26. ^ "Сервис массовых выплат клиентам. Яндекс.Касса". kassa.yandex.ru. Retrieved 6 September 2017.
  27. ^ Татьяна Короткова (17 February 2016). ""Яндекс.Касса" запустила новый сервис "Безопасная сделка"". CNews.ru. Retrieved 17 June 2019.
  28. ^ Роман Рожков (17 February 2017). "Вечером "Яндекс.Деньги"". Коммерсантъ. Retrieved 17 June 2019.
  29. ^ Andrey Krupin (8 December 2018). ""Яндекс.Деньги" расширили возможности бесконтактной оплаты". 3DNews.ru. Retrieved 18 June 2019.
  30. ^ Альберт Хабибрахимов (30 March 2018). ""Яндекс.Касса" предложила интернет-магазинам услугу продажи в рассрочку на своих условиях". VC.ru. Retrieved 17 June 2019.
  31. ^ a b Мария Коломыченко, Владислав Новый (14 July 2016). ""Яндекс.Касса" оживит чаты". Коммерсантъ. Retrieved 17 June 2019.
  32. ^ Роман Рожков, Владислав Новый (12 May 2017). "Электронные деньги отправят по почте". Коммерсантъ. Retrieved 17 June 2019.
  33. ^ a b Елизавета Серьгина (2 June 2017). "Telegram-боты с пятницы начнут принимать оплату через "Яндекс.Кассу"". Ведомости. Retrieved 17 June 2019.
  34. ^ a b Елизавета Серьгина (16 June 2017). "Мессенджеры хотят стать платформой по приему платежей". Ведомости. Retrieved 30 March 2019.
  35. ^ ""Яндекс.Касса" перешла на новую технологическую платформу". Банкир.ру. 24 November 2017. Retrieved 17 June 2019.
  36. ^ "Яндекс.Касса выпустила SDK для приёма платежей в мобильных приложениях". Roem.ru. 4 April 2018. Retrieved 17 June 2019.
  37. ^ "Яндекс.Касса разработала решение для передачи данных о платежах в онлайн-магазинах". Roem.ru. 1 June 2017. Retrieved 17 June 2019.
  38. ^ "Яндекс.Касса и Бизнес.Ру предложили бизнесу новое решение для приема оплат". Банкир.ру. 16 January 2018. Retrieved 17 June 2019.
  39. ^ ""Яндекс.Касса" будет передавать фискальные чеки платежей в Telegram". RNS. 1 February 2018. Retrieved 17 June 2019.
  40. ^ Альберт Хабибрахимов (30 May 2018). ""Яндекс.Касса" предложила бизнесу систему предупреждения мошенничества при покупках". VC.ru. Retrieved 17 June 2019.
  41. ^ "Яндекс.Касса предложила систему с защитой от мошенников". NewRetail.ru. 30 May 2018. Retrieved 17 June 2019.
  42. ^ Albert Khabibrakhimov (21 November 2017). ""Яндекс.Деньги" запустили агрегатор скидок на услуги для бизнеса". VC.ru. Retrieved 17 June 2019.
  43. ^ "Инструменты для приема платежей. Яндекс.Касса" (in Russian). kassa.yandex.ru. Retrieved 6 September 2017.
  44. ^ Анастасия Демидова (28 July 2016). ""Яндекс.Деньги" поможет интернет-магазинам принять платеж по QR-коду". Ведомости. Retrieved 17 June 2019.
  45. ^ Оксана Мамчуева (14 December 2016). "Яндекс.Касса позволит выставлять счета через CRM". Searchengines.ru. Retrieved 17 June 2019.
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