Payment standard: selected issues

Evgeny Vinogradov

Yandex.Money

We need a standard

• To decrease friction in UX
• To improve security
• To provide interoperability

Easy like mailto:

payto:mybank.com/payto.xml?item=BigBook&sum=10.0&account=111223344&someparams=params

Easy like mailto:

payto:mybank.com/payto.xml?item=BigBook&sum=10.0&account=111223344&someparams=params

Item

Easy like mailto:

payto:mybank.com/payto.xml?item=BigBook&sum=10.0&account=111223344&someparams=params

How much

Easy like mailto:

payto:mybank.com/payto.xml?item=BigBook&sum=10.0&account=111223344&someparams=params

Seller's account

Easy like mailto:

payto:mybank.com/payto.xml?item=BigBook&sum=10.0&account=111223344&someparams=params

Who can process?

Easy like mailto:

payto:mybank.com/payto.xml?item=BigBook&sum=10.0&account=111223344&someparams=params

What else do we need for this payment?

Easy like mailto:

payto:mybank.com/payto.xml?account=11112233&sum=100&item=BigBook&someparams=params

Just a link - if we don't understand the params

Payment process

• Money sources
  • Can be different
  • Can be changed during payment process
• Confirmation mechanics should be described
• Refunds, recurrents, etc

Thank you!

jonny@yamoney.ru

yandex.com

money.yandex.ru