{"id":7137,"date":"2025-07-21T03:02:17","date_gmt":"2025-07-21T03:02:17","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=7137"},"modified":"2025-07-21T03:02:17","modified_gmt":"2025-07-21T03:02:17","slug":"payment-gateways-vs-aggregators-7","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/uk\/payment-gateways-vs-aggregators-7\/","title":{"rendered":"Payment Gateway vs Payment Aggregator: \u0449\u043e \u043a\u0440\u0430\u0449\u0435 \u0434\u043b\u044f \u0432\u0430\u0448\u043e\u0433\u043e \u0431\u0456\u0437\u043d\u0435\u0441\u0443?"},"content":{"rendered":"<div class=\"ace-line ace-line old-record-id-C7todfp3qoEBpwxgXz9lIDf0gwL\">\n<p data-start=\"4451\" data-end=\"4587\">\u0420\u043e\u0437\u0448\u0438\u0440\u0435\u043d\u043d\u044f \u043d\u0430 \u0446\u0438\u0444\u0440\u043e\u0432\u0456 \u0440\u0438\u043d\u043a\u0438 \u0432\u0438\u043c\u0430\u0433\u0430\u0454 \u043f\u0440\u0430\u0432\u0438\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0438\u0431\u043e\u0440\u0443 \u043f\u043b\u0430\u0442\u0456\u0436\u043d\u043e\u0457 \u0456\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0438. \u0428\u043b\u044e\u0437 \u0456 \u0430\u0433\u0440\u0435\u0433\u0430\u0442\u043e\u0440 \u0447\u0430\u0441\u0442\u043e \u043f\u043b\u0443\u0442\u0430\u044e\u0442\u044c, \u0430\u043b\u0435 \u0457\u0445 \u0437\u0430\u0432\u0434\u0430\u043d\u043d\u044f \u0440\u0456\u0437\u043d\u0456.<\/p>\n<p data-start=\"4589\" data-end=\"4687\"><a href=\"https:\/\/buvei.com\/\">Buvei<\/a> \u0441\u043f\u0456\u0432\u043f\u0440\u0430\u0446\u044e\u0454 \u0437 \u043e\u0431\u043e\u043c\u0430 \u043c\u043e\u0434\u0435\u043b\u044f\u043c\u0438, \u0437\u0430\u0431\u0435\u0437\u043f\u0435\u0447\u0443\u044e\u0447\u0438 \u0432\u0456\u0440\u0442\u0443\u0430\u043b\u044c\u043d\u0456 \u043a\u0430\u0440\u0442\u043a\u0438 \u0442\u0430 \u0431\u0430\u0433\u0430\u0442\u043e\u043a\u0430\u043d\u0430\u043b\u044c\u043d\u0443 \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u0438\u0437\u0430\u0446\u0456\u044e.<\/p>\n<\/div>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-7121 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<p data-start=\"4689\" data-end=\"4889\"><strong data-start=\"4689\" data-end=\"4715\">\u0429\u043e \u0442\u0430\u043a\u0435 \u0448\u043b\u044e\u0437 \u043f\u043b\u0430\u0442\u0435\u0436\u0456\u0432?<\/strong><br data-start=\"4715\" data-end=\"4718\" \/>\u0426\u0438\u0444\u0440\u043e\u0432\u0438\u0439 POS: \u0431\u0435\u0437\u043f\u0435\u0447\u043d\u043e \u0437\u0431\u0438\u0440\u0430\u0454 \u0434\u0430\u043d\u0456 \u043f\u043b\u0430\u0442\u043d\u0438\u043a\u0430 \u0442\u0430 \u043f\u0435\u0440\u0435\u0434\u0430\u0454 \u0432 \u0431\u0430\u043d\u043a-\u0435\u043a\u0432\u0430\u0439\u0440\u0438\u043d\u0433. \u041d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434, Buvei \u0432\u0456\u0440\u0442\u0443\u0430\u043b\u044c\u043d\u0430 \u043a\u0430\u0440\u0442\u043a\u0430 \u2013 \u0448\u043b\u044e\u0437 \u0448\u0438\u0444\u0440\u0443\u0454 \u0434\u0430\u043d\u0456 \u0442\u0430 \u0432\u0456\u0434\u043f\u0440\u0430\u0432\u043b\u044f\u0454 \u0457\u0445 \u043f\u0440\u043e\u0446\u0435\u0441\u043e\u0440\u0443.<br \/>\n\u041a\u043b\u044e\u0447\u043e\u0432\u0456 \u0444\u0443\u043d\u043a\u0446\u0456\u0457:<\/p>\n<ul data-start=\"4890\" data-end=\"5044\">\n<li data-start=\"4890\" data-end=\"4917\">\n<p data-start=\"4892\" data-end=\"4917\">\u0411\u0435\u0437\u043f\u0435\u0447\u043d\u0430 \u043f\u0435\u0440\u0435\u0434\u0430\u0447\u0430 \u0434\u0430\u043d\u0438\u0445<\/p>\n<\/li>\n<li data-start=\"4918\" data-end=\"4957\">\n<p data-start=\"4920\" data-end=\"4957\">\u0422\u043e\u043a\u0435\u043d\u0456\u0437\u0430\u0446\u0456\u044f, \u0431\u043e\u0440\u043e\u0442\u044c\u0431\u0430 \u0437 \u0448\u0430\u0445\u0440\u0430\u0439\u0441\u0442\u0432\u043e\u043c<\/p>\n<\/li>\n<li data-start=\"4958\" data-end=\"4983\">\n<p data-start=\"4960\" data-end=\"4983\">\u0412\u0456\u0434\u043f\u043e\u0432\u0456\u0434\u043d\u0456\u0441\u0442\u044c <a href=\"https:\/\/buvei.com\/blog\/fintech-payment-compliance-standards\/\">PCI DSS<\/a><\/p>\n<\/li>\n<li data-start=\"4984\" data-end=\"5044\">\n<p data-start=\"4986\" data-end=\"5044\">\u0421\u0443\u043c\u0456\u0441\u043d\u0456\u0441\u0442\u044c \u0437 \u0440\u0456\u0437\u043d\u0438\u043c\u0438 \u043f\u0440\u043e\u0446\u0435\u0441\u043e\u0440\u0430\u043c\u0438<br data-start=\"5018\" data-end=\"5021\" \/>\u0428\u043b\u044e\u0437 \u043d\u0435 \u043e\u0431\u0440\u043e\u0431\u043b\u044f\u0454 \u043a\u043e\u0448\u0442\u0438.<\/p>\n<\/li>\n<\/ul>\n<h3><a href=\"https:\/\/www.buvei.com\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4750 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png\" alt=\"\" width=\"1024\" height=\"307\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-832x249.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1248x374.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2.png 1442w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/h3>\n<h4 data-start=\"5046\" data-end=\"5329\"><strong data-start=\"5046\" data-end=\"5077\">\u0429\u043e \u0442\u0430\u043a\u0435 \u0430\u0433\u0440\u0435\u0433\u0430\u0442\u043e\u0440 \u043f\u043b\u0430\u0442\u0435\u0436\u0456\u0432?<\/strong><\/h4>\n<p data-start=\"5046\" data-end=\"5329\">\u0414\u043e\u0437\u0432\u043e\u043b\u044f\u0454 \u043a\u0456\u043b\u044c\u043a\u043e\u043c \u0431\u0456\u0437\u043d\u0435\u0441\u0430\u043c \u0432\u0438\u043a\u043e\u0440\u0438\u0441\u0442\u043e\u0432\u0443\u0432\u0430\u0442\u0438 \u043e\u0434\u0438\u043d \u043e\u0431\u043b\u0456\u043a\u043e\u0432\u0438\u0439 \u0437\u0430\u043f\u0438\u0441 \u0434\u043b\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u0456\u0432, \u0431\u0435\u0437 \u0432\u043b\u0430\u0441\u043d\u043e\u0433\u043e MID. \u041f\u0440\u0438\u043a\u043b\u0430\u0434\u0438: Stripe, PayPal, Square. Buvei \u043f\u043e\u043f\u043e\u0432\u043d\u044e\u0454 \u0446\u0456 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0438 \u0447\u0435\u0440\u0435\u0437 stablecoin \u0430\u0431\u043e \u0442\u0440\u0430\u0434\u0438\u0446\u0456\u0439\u043d\u0456 \u043c\u0435\u0442\u043e\u0434\u0438 \u0434\u043b\u044f \u0440\u0435\u043a\u043b\u0430\u043c\u0438, SaaS \u0430\u0431\u043e \u043c\u0456\u0436\u043d\u0430\u0440\u043e\u0434\u043d\u0438\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0456\u0432.<br \/>\n\u041f\u0435\u0440\u0435\u0432\u0430\u0433\u0438:<\/p>\n<ul data-start=\"5330\" data-end=\"5455\">\n<li data-start=\"5330\" data-end=\"5360\">\n<p data-start=\"5332\" data-end=\"5360\">\u0428\u0432\u0438\u0434\u043a\u0435 \u043f\u0456\u0434\u043a\u043b\u044e\u0447\u0435\u043d\u043d\u044f \u0431\u0435\u0437 <a href=\"https:\/\/buvei.com\/blog\/merchant-id-mid-credit-card-payments\/\">MID<\/a><\/p>\n<\/li>\n<li data-start=\"5361\" data-end=\"5381\">\n<p data-start=\"5363\" data-end=\"5381\">\u0421\u043f\u0440\u043e\u0449\u0435\u043d\u0435 <a href=\"https:\/\/buvei.com\/blog\/kyc-vs-aml-payment-compliance\/\">KYC\/AML<\/a><\/p>\n<\/li>\n<li data-start=\"5382\" data-end=\"5428\">\n<p data-start=\"5384\" data-end=\"5428\">\u0412\u0431\u0443\u0434\u043e\u0432\u0430\u043d\u0435 \u0432\u0456\u0434\u0441\u0442\u0435\u0436\u0435\u043d\u043d\u044f \u0448\u0430\u0445\u0440\u0430\u0439\u0441\u0442\u0432\u0430 \u0442\u0430 \u0437\u0432\u0456\u0440\u043a\u0438<\/p>\n<\/li>\n<li data-start=\"5429\" data-end=\"5455\">\n<p data-start=\"5431\" data-end=\"5455\">\u041c\u043e\u0434\u0435\u043b\u044c \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0456 \u043a\u043e\u043c\u0456\u0441\u0456\u0439<\/p>\n<\/li>\n<\/ul>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-7123 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<h4 data-start=\"5457\" data-end=\"5490\"><strong data-start=\"5457\" data-end=\"5490\">\u041f\u043e\u0440\u0456\u0432\u043d\u044f\u043d\u043d\u044f: \u0448\u043b\u044e\u0437 vs \u0430\u0433\u0440\u0435\u0433\u0430\u0442\u043e\u0440<\/strong><\/h4>\n<div class=\"_tableContainer_80l1q_1\">\n<div class=\"_tableWrapper_80l1q_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"5492\" data-end=\"6000\">\n<thead data-start=\"5492\" data-end=\"5562\">\n<tr data-start=\"5492\" data-end=\"5562\">\n<th data-start=\"5492\" data-end=\"5511\" data-col-size=\"sm\">\u041f\u0430\u0440\u0430\u043c\u0435\u0442\u0440<\/th>\n<th data-start=\"5511\" data-end=\"5534\" data-col-size=\"sm\">\u041f\u043b\u0430\u0442\u0456\u0436\u043d\u0438\u0439 \u0448\u043b\u044e\u0437<\/th>\n<th data-start=\"5534\" data-end=\"5562\" data-col-size=\"sm\">\u0410\u0433\u0440\u0435\u0433\u0430\u0442\u043e\u0440 \u043f\u043b\u0430\u0442\u0435\u0436\u0456\u0432<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"5634\" data-end=\"6000\">\n<tr data-start=\"5634\" data-end=\"5708\">\n<td data-start=\"5634\" data-end=\"5659\" data-col-size=\"sm\">\u041f\u0456\u0434\u043f\u0440\u0438\u0454\u043c\u043d\u0438\u0446\u044c\u043a\u0438\u0439 \u0430\u043a\u0430\u0443\u043d\u0442<\/td>\n<td data-start=\"5659\" data-end=\"5680\" data-col-size=\"sm\">\u041f\u043e\u0442\u0440\u0456\u0431\u0435\u043d \u043e\u043a\u0440\u0435\u043c\u0438\u0439<\/td>\n<td data-start=\"5680\" data-end=\"5708\" data-col-size=\"sm\">\u0421\u043f\u0456\u043b\u044c\u043d\u0438\u0439 \u0437 \u0430\u0433\u0440\u0435\u0433\u0430\u0442\u043e\u0440\u043e\u043c<\/td>\n<\/tr>\n<tr data-start=\"5709\" data-end=\"5781\">\n<td data-start=\"5709\" data-end=\"5729\" data-col-size=\"sm\">\u0420\u043e\u0437\u0440\u0430\u0445\u0443\u043d\u043a\u0438<\/td>\n<td data-start=\"5729\" data-end=\"5753\" data-col-size=\"sm\">\u041f\u0440\u044f\u043c\u0456 \u0437 \u0435\u043a\u0432\u0430\u0439\u0435\u0440\u043e\u043c<\/td>\n<td data-start=\"5753\" data-end=\"5781\" data-col-size=\"sm\">\u041a\u0435\u0440\u0443\u0454 \u0430\u0433\u0440\u0435\u0433\u0430\u0442\u043e\u0440<\/td>\n<\/tr>\n<tr data-start=\"5782\" data-end=\"5854\">\n<td data-start=\"5782\" data-end=\"5802\" data-col-size=\"sm\">\u0406\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0456\u044f<\/td>\n<td data-start=\"5802\" data-end=\"5826\" data-col-size=\"sm\">\u0421\u043a\u043b\u0430\u0434\u043d\u0430, \u043f\u043e\u0432\u0456\u043b\u044c\u043d\u0430<\/td>\n<td data-start=\"5826\" data-end=\"5854\" data-col-size=\"sm\">\u0428\u0432\u0438\u0434\u043a\u0430, \u0441\u043f\u0440\u043e\u0449\u0435\u043d\u0430<\/td>\n<\/tr>\n<tr data-start=\"5855\" data-end=\"5927\">\n<td data-start=\"5855\" data-end=\"5875\" data-col-size=\"sm\">\u0413\u043d\u0443\u0447\u043a\u0456\u0441\u0442\u044c<\/td>\n<td data-col-size=\"sm\" data-start=\"5875\" data-end=\"5899\">\u0412\u0438\u0441\u043e\u043a\u0438\u0439 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044c<\/td>\n<td data-col-size=\"sm\" data-start=\"5899\" data-end=\"5927\">\u0412\u0438\u0441\u043e\u043a\u0430 \u0437\u0440\u0443\u0447\u043d\u0456\u0441\u0442\u044c<\/td>\n<\/tr>\n<tr data-start=\"5928\" data-end=\"6000\">\n<td data-start=\"5928\" data-end=\"5948\" data-col-size=\"sm\">\u041f\u0456\u0434\u0445\u043e\u0434\u0438\u0442\u044c \u0434\u043b\u044f<\/td>\n<td data-col-size=\"sm\" data-start=\"5948\" data-end=\"5972\">\u0412\u0435\u043b\u0438\u043a\u0438\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0439<\/td>\n<td data-col-size=\"sm\" data-start=\"5972\" data-end=\"6000\">\u0421\u0442\u0430\u0440\u0442\u0430\u043f\u0456\u0432, \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"sticky end-(--thread-content-margin) h-0 self-end select-none\">\n<div class=\"absolute end-0 flex items-end\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<h4 data-start=\"6002\" data-end=\"6056\"><strong data-start=\"6002\" data-end=\"6016\">\u0420\u043e\u043b\u044c Buvei<\/strong><\/h4>\n<p data-start=\"6002\" data-end=\"6056\">\u041d\u0435\u0437\u0430\u043b\u0435\u0436\u043d\u043e \u0432\u0456\u0434 \u043c\u043e\u0434\u0435\u043b\u0456, Buvei \u043f\u0440\u043e\u043f\u043e\u043d\u0443\u0454:<\/p>\n<ul data-start=\"6057\" data-end=\"6197\">\n<li data-start=\"6057\" data-end=\"6089\">\n<p data-start=\"6059\" data-end=\"6089\">\u0412\u0456\u0440\u0442\u0443\u0430\u043b\u044c\u043d\u0456 \u043a\u0430\u0440\u0442\u043a\u0438 \u0434\u043b\u044f \u0432\u0438\u0442\u0440\u0430\u0442<\/p>\n<\/li>\n<li 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\u043c\u0430\u0441\u0448\u0442\u0430\u0431\u043e\u0432\u0430\u043d\u0456 \u043f\u043b\u0430\u0442\u0456\u0436\u043d\u0456 \u0440\u0456\u0448\u0435\u043d\u043d\u044f.<\/p>\n<h4 data-start=\"6269\" data-end=\"6416\"><strong data-start=\"6269\" data-end=\"6281\">\u0412\u0438\u0441\u043d\u043e\u0432\u043e\u043a<\/strong><\/h4>\n<p data-start=\"6269\" data-end=\"6416\">\u0420\u043e\u0437\u0443\u043c\u0456\u043d\u043d\u044f \u0440\u0456\u0437\u043d\u0438\u0446\u0456 \u043c\u0456\u0436 \u0448\u043b\u044e\u0437\u043e\u043c \u0456 \u0430\u0433\u0440\u0435\u0433\u0430\u0442\u043e\u0440\u043e\u043c \u0434\u043e\u043f\u043e\u043c\u043e\u0436\u0435 \u043e\u043f\u0442\u0438\u043c\u0456\u0437\u0443\u0432\u0430\u0442\u0438 \u043f\u043b\u0430\u0442\u0456\u0436\u043d\u0438\u0439 \u0441\u0442\u0435\u043a. <a href=\"https:\/\/buvei.com\/\">\u0417 Buvei<\/a> \u0432\u0438 \u0432\u0438\u043a\u043e\u0440\u0438\u0441\u0442\u043e\u0432\u0443\u0454\u0442\u0435 \u043e\u0431\u0438\u0434\u0432\u0430 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