RBK Money reduces tariffs when paying with cards

    As I promised earlier, we reduced the transaction processing fee when paying with Visa and MasterCard bank cards from 3% to 2.5%. The tariff is taken from the user when replenishing the electronic wallet, and when paying to the online store - from the user or the store itself, at the choice of the latter.

    We understand that 2.5% is still a lot, so in the near future we will continue a phased reduction of this tariff. In addition, we are finishing testing payments with American Express and Diners cards, which may be useful to those who work with foreign customers.

    By the way, I would like to know your opinion on how best to build tariffing when replenishing the wallet with bank cards. Today, there are 2 models - such as ours and the one on which PayPal works.

    Our scheme is the replenishment of the wallet from the card and then the payment. This is how most similar systems work, such as Moneybookers. We charge a fee for replenishing the bank account to offset the costs of acquiring, and the domestic payment is almost free.

    The PayPal scheme is different in that they do not share recharge and payment. They have a money sending rate at which the source is a card that looks quite large, but includes both the costs of acquiring and the fees of PayPal itself.

    What do you think, which scheme is more user-friendly and less scaring? ;)
    Or maybe you would have done quite differently? I will be glad to hear any opinions.

    Also popular now: