The Unikarta payment system was created to simplify online settlements in the global network, as well as to carry out money transfers between users. Unikarta is a payment card that can be used to carry out a number of transactions in favor of service providers. The following types of services are also available for the clients of the system:

communication payment;
the Internet;
satellite and cable television;
entertainment;
games;
other services.

The Unikarta system was launched in 2011. The owner of the payment service is the Latvian company Baltic Financial Systems. The company has its divisions in the capitals of the Russian Federation and Ukraine. Users of the electronic payment system have the opportunity not only to ensure payment for goods or services in favor of sellers, but also to perform exchange operations on their resources, to accept funds. In addition, the systems customers have access to a service providing for the issuance of prepaid cards under their own trademark.

Clients can manage the universal card using stationary computers, as well as mobile gadgets. In the latter case, you need to download and install the appropriate plugin from the official portal of "Unikart". Several payment cards can be connected to one mailbox.

 

Getting the card

Ready-made cards can be bought at the communication offices of the payment company or partners. Previously, the user must register on the official portal, select the appropriate currency and link the card to a phone number and mailbox.

To replenish your account, you can use payment terminals, online stores or electronic exchange offices. There are several ways to withdraw funds. So, the client can exchange funds for any electronic currency, transfer money to a debit (credit) card or bank account.

The payment system offers its clients a flexible tariff policy. Thus, the card is issued to the user free of charge. No commission is charged for making money transfers, paying for services, goods, online purchases. When exchanging currencies on different cards, the commission is 1%. Within the framework of cooperation and partnership, the Unikarta payment system offers the development of a network to which all interested parties are involved.

With the help of the Unikarta payment system, owners of shops, exchange services, and various service providers can turn international traffic into cash. The system works in more than 40 countries and offers modern payment methods in the most convenient and efficient way. Among the advantages of the service are the following:

free card issue and its integration into the international payment system;
no hidden fees and monthly fees;
minimum fees for transactions;
funds are received instantly;
the maximum level of protection of personal information and transactions;
ease of integration into the system (detailed descriptions, instructions, support from company representatives).

By using the service, a business can count on an increase in the number of sales. At the same time, the Unikarta system does not work with entrepreneurs and companies that operate in the following areas:

distribution of pornographic materials;
sale of medicines;
sale of tobacco products;
sale of firearms;
sale of prohibited and unlicensed content.

How the payment gateway works

The functionality of the gateway when paying for goods or services by the buyer is phased in nature.

Stage 1. The client chooses a certain product on the site and decides to buy it. After agreeing to the pricing policy, he goes directly to payment, which provides for filling out the payment form of the established sample.

Stage 2. The client indicates information about his payment card in the account of the electronic service "Unikarta".

Stage 3. In the event that the information is correct and the amount of funds allows the payment to be made in favor of the seller, the Unikarta system offers to confirm the transaction.

Stage 4. After confirming the information, the Unikarta processing center sends payment information via secure channels to the server of the trading company. Also, in parallel with the execution of this operation, the system automatically informs all interested parties about the effectiveness of the financial transaction. The data is sent using SMS notifications, email or other alternative methods that are configured by the owner of the online store.

Stage 5. After processing the information, which takes no more than 1-2 seconds, the client is automatically redirected to the portal of the online store, where he is provided with information about the successful completion of the transaction.

Stage 6. The procedure for payment for goods or services is completed.

Stage 7. In the event that the financial transaction was unsuccessful, the client is redirected to the stores website page, where he receives a corresponding notification.

 

Unikarta business offerings: physical and digital goods

Payment system "Unikarta" offers convenient solutions for representatives of commercial structures, regardless of the sale of physical goods or software. To integrate into the payment system when selling a physical product, it is enough to follow a few simple steps to embed the script on the website of the online store. The buyer will be provided with only two forms about the action taken: confirming the fact of payment and indicating the failure of the operation. After confirming the fact of payment, the store owner sends the goods to the buyer.

When it comes to digital goods, they are completely processed automatically. In this case, full implementation of software is required and the interaction of the online store with the processing center of the Unikarta system is required.

Full system integration

The buyer selects a specific product on the website of the online store and agrees to the terms of purchase (confirms the action). After that, the client provides contact information. If we are talking about a physical product, then the main data are surname, address, mobile phone number. In the event that an online store sells a digital product, scratch cards, software products, certain files or services, then the user must receive the product instantly (after making a payment). Therefore, a prerequisite for the Unikarta system is the receipt of a customers e-mail box for product delivery.

The system automatically creates a new script that matches the specified sales specifics. An order number is generated, which includes all the necessary information (cost of goods, product name, description, payment time, etc.).

After that, the client is redirected to the Unikarta website, where he chooses a convenient payment method. Information about a successful payment is displayed on the website of the online store and sent to the buyers mail. The script of the "Unikarta" service checks the information about the successful completion of the transaction. If we are talking about an informational product, then the client receives a notification with a password that opens access to a specific section of the site. In fact, the goods are automatically dispensed. Thanks to this, the store owner can spend a minimum of time on financial issues and promote his goods.

Representatives of online stores need to understand that information between the trading facility and the Unikarta processing center is transmitted without intermediaries. However, there are a number of reasons that can affect the performance of a financial transaction. We are talking about failures in communication channels between servers, high load of software and others. For this reason, the transfer of goods should be carried out only after the completion of the script on the successful completion of the transaction.

 

Making settings for the online store

To fully integrate the trading object into the Unikarta system, you need to configure the card in the users personal account. After that, the user needs to install several key HTML codes that perform the following functions:

transaction request;
a request confirming the completion of the transaction;
information about the completed financial transaction;
information about a leisurely payment.
All data is transferred directly between the servers of the processing center of the service "Unikarta" and the website of the system user. The information is generated directly on the payment service server.

The system of transactions used by Unikarta EPS has a high level of security. All data is transmitted via secure communication channels that comply with international standards. The system uses secret keys that form the data signature and accompany all financial transactions.