How to choose a terminal for acquiring. Acquiring terminals: connection, management
Hello! Today we will tell you about merchant acquiring. And also about the favorable tariffs of banks and the peculiarities of connecting this service.
Tariffs of TOP-15 banks for merchant acquiring
For comparison, consider the tariffs for acquiring that are relevant in 2019. In some institutions, regional tariffs may differ slightly.
Bank | Commission | Cost of equipment | Conditions |
1,5-1,9% | RUB 19,000-27,000 It is possible to purchase on credit for up to 1 year, at 29% per annum. |
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1,79-2,69% | From 18 500 rub. | There are package solutions for cash settlement services, which include acquiring with a commission of 1.59%. | |
up to 2.5% | Purchase by installments for 1,700-2,200 rubles / month, rent for free | Individual conditions for each client. It is possible to transfer funds to a current account in another bank. | |
1,3-2,3% | On the individual conditions | The bank offers individual package solutions, the price of which includes the terminal, its delivery and configuration. | |
1,8-3,5% | 7,990–41,500 rubles. |
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VTB Bank of Moscow | From 1.8% | Free rent |
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1,9-2,1% | Free rent |
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1,59%-1,89% | Free rent |
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1,35%-1,8% | It is proposed to purchase a new terminal by installments (for 4 months). Cost from 17,500 rubles. The terminal is provided to the client after the first payment |
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Vanguard | 1,7-2,3% | Rent 200-750 rubles / month for the first four years, then - free of charge |
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ICD | 1.6-1.95% or fixed amount- 2 500 rubles / month | Free rent |
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MTS Bank | from 1.69% for the operation and 1,499 rubles. monthly for information technology services | Free rent |
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Raiffeisenbank | From 1.99% | Subscription fee for using each terminal: 190-990 rubles / month. Registration of each terminal: 490-29,900 rubles. |
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Uralsib | 1.65-2.6%, minimum RUB 2,600 / month | Free rent | Free: selection and installation of equipment, training of employees. |
Russian Standard Bank | 1,8-2,2% | RUB 13,300-42,000 | Connecting acquiring online, without visiting a bank. The terminal will be dispatched within three days, and a bank employee will arrive to sign the documents. |
Among the largest acquiring banks there are others that connect the service on individual terms. Among them:
- Bank opening.
- Gazprombank.
- Rosselkhozbank.
These organizations are ready to offer a business solution on special terms. Commission size, rent for the use of acquiring and other expenses will depend on the scope of the company, its turnover and the set of necessary functions in the terminal.
Sberbank tariffs
The largest acquiring bank in Russia serves entrepreneurs in all regions of the country. You can send an application for connecting acquiring through the official website of the bank. Sberbank employees offer individual solutions for each organization.
By agreement, the bank can provide a SIM card free of charge if the terminal requires mobile Internet to operate. The funds are transferred to the current account in Sberbank the next day, to the account in another bank - within three days.
Each trade enterprise chooses a favorable acquiring tariff for itself. There are many factors to consider to find the optimal solution. Among them:
Turnover requirements... The lower the turnover, the higher the commission percentage. Does the bank offer a commission of 1%? Before signing such an agreement, make sure that you can fulfill the required minimum payments and do not receive a penalty for non-fulfillment;
Terms of purchase, lease and connection of the terminal... Find out if the bank is ready to lease the terminal, or is it obligatory to buy it out, and how much will it cost? Not all banks connect the service to the client's terminal purchased from a third-party organization;
What current account do you need to transfer funds to?- some banks charge the proceeds exclusively to their accounts, others take an additional commission for transferring to another bank;
The rate of receipt of funds- money can be transferred to the seller's account both on the day of the transaction and after 10 days;
Connection time... Unpleasant situations often arise if the bank's client plans to accept non-cash payments within two days after the application, and the acquirer is ready to connect the terminal only after two months. Such nuances should be clarified in advance;
Supported payment systems- not all banks work with less widespread (most often foreign) payment systems. This question is especially relevant for businesses, whose main customers are tourists;
Maintenance cost- how much does it cost to consult and call a master, replace a receipt tape, and so on;
Staff training(a useful bonus that not all banks provide).
Thus, in order to choose the most favorable tariff, it is necessary to take into account all the pitfalls, all the conditions and requirements. The cheapest (in terms of commission and service) tariff is not always the best choice - its shortcomings can be revealed only after a while.
What affects the final cost of acquiring
Compare rates for acquiring in various banks Is not an easy task. The total cost of acquiring for an entrepreneur consists of:
- Equipment cost (purchase of a terminal or its lease);
- Commissions from each operation or a fixed monthly payment for services;
- Cash settlement rates, if you need to open a current account in the bank.
For example, a bank can provide a terminal for free and take a small commission from each operation. However, in order to receive payment in this bank, it is necessary to open a current account, the monthly fee for which is much higher than in other organizations.
To understand where acquiring rates are more profitable, you need to calculate their cost taking into account all the above criteria.
Trading terminals for acquiring
Acceptance of bank cards for payment is carried out by special POS-terminals. There are several types of this equipment, depending on the tasks and set of functions.
- Stationary terminals. Equipment for enterprises that already have a cash register and have a reception cash payment, but you need to expand the capabilities and connect also payment by cards. They have their own interface, they print separate receipts. Typically, these terminals are powered from the mains rather than from a battery, and connect to the Internet via a cable.
- Portable terminals... Such terminals are more mobile. They draw energy from the battery, and connect to the mobile network to transfer data. Use portable terminals it is possible without integration with the cash register module.
- POS systems... A full-fledged cashier's workplace, which may include a barcode scanner, keyboard, display, fiscal machine, and so on.
- SMART terminals. Modern system, consisting of a tablet, a mobile terminal and a fiscal device. Additional equipment, such as a scanner, can be connected to the basic configuration, and auxiliary programs (time attendance, analytics, etc.) can be installed.
- Pin pads... An auxiliary input device that connects to a POS system or terminal.
If the bank offers several options for equipment, then its employee will help determine which terminal is best suited for a particular business.
Trade acquiring without opening an account
According to the laws of the Russian Federation, all LLCs are required to have a current account, but such a strict framework has not been established for individual entrepreneurs. Entrepreneurs decide for themselves whether they need a bank account.
For example, a current account is needed in the case of accepting non-cash payments, including through the acquiring system. After all, where, if not to the current account, will the payment for goods and services be transferred? Therefore, acquiring without opening an account is impossible.
Every entrepreneur can open a current account in one bank and connect acquiring from another. Most banks provide this service. Of course, this is very convenient, but in practice, the receipt of funds in such "roundabout" ways slows down the process and makes it more expensive.
At the same time, in 2017, some banks work only with their own current accounts, encouraging their customers by providing discounts for service and other bonuses.
Trade and Internet acquiring
In order to understand the difference between merchant acquiring and its online version, let's consider both concepts.
It implies contact between a seller and a consumer at a certain point of sale, for example, a store. The buyer pays with a bank card through a special terminal, which withdraws funds from the buyer's account and transfers them (or part of them, minus the commission) to the seller's current account. How does this process differ from Internet acquiring?
Internet acquiring also called virtual. It is used when paying in online stores and other online platforms. In this case, the seller does not need a terminal, his role is played by the interface posted on the site - this is the main difference. With internet acquiring, the merchant also pays a certain commission to the acquiring bank.
In general, the work of both types of acquiring comes down to one thing:
Trade acquiring and 54-FZ
Recently, cash registers at trade enterprises came under a forced modification - in 2017 they became online cash registers. Unlike cash registers of the previous generation, equipment that complies with Law No. 54-FZ not only records revenue and prints receipts, but also:
- encrypts and stores fiscal data;
- transfers information to the FTS database.
Accordingly, a device for Internet access and a special fiscal drive appeared at the box office. The second article of the law says that the use of cash registers is mandatory when accepting both cash and non-cash payments. Thus, the use of acquiring does not exempt the entrepreneur from the use of CCP.
Self-contained POS terminals connected to vending equipment can work as before without upgrades. But POS systems and SMART terminals must meet the new requirements: hand over electronic checks in the Federal Tax Service like all online checkouts since 2017.
How to connect merchant acquiring
Today, more and more Russian citizens prefer to pay not in cash, but by card. Following the demand, entrepreneurs are actively connecting acquiring. This is easy to do, the whole procedure will take several steps:
- Step 1 . Bank selection;
- Step 2. Sending an application (through a bank office, official website or by phone);
- Step 3. Preparation of documents (you need a passport, TIN, certificate of state registration, bank account details);
- Step 4. Choice of equipment;
- Step 5. Conclusion of a contract;
- Step 6. Installation of equipment at a point of sale;
- Step 7. Launching a test mode, instructing employees.
After all the stages have been passed, the system is adjusted, you can start accepting non-cash payments from customers.
Trade acquiring: user reviews
Alexey, individual entrepreneur (retail):
“I had to connect acquiring, as there are no ATMs near my point of sale. Many potential buyers simply left because they didn't have cash. The terminal was purchased in installments at 5,000 rubles a month. Everything suits me. "
Marina, senior cashier, Moscow:
“Accepting card payments was not as difficult as I had imagined at first. For several years now I have been working with non-cash payments, and so far everything is going smoothly. Acquiring at a point of sale with a large flow of customers is not only fast, but also reliable, since you do not need to worry about the authenticity of banknotes, which are easier to counterfeit than a card. "
Alexander, individual entrepreneur (cafe chain):
“In acquiring, I am most pleased with monetary control - payment will not be lost on the way from the employee to the checkout - and savings on cash collection. Of the shortcomings, I would name only the cost of the equipment, but these costs usually pay off. "
The word acquiring owes its origin to the English acquire, which means “to receive” or “to acquire”. In fact, this term means receiving payment for a service, product or work through a payment card. An authorized acquiring bank is responsible for this process and installs payment terminals at the point of sale. In the case of applying the standard merchant acquiring the bank makes the connection of the acquiring terminal. This also applies to service structures such as public transport, service stations and others. The bank installs mobile POS-terminals there, if there is a need for mobile acquiring.
Now all over the world it is possible to pay for most purchases and services with payment cards to more than 18,000,000 merchants and service sectors. This is a huge time-saver for both the consumer and the seller. The types of acquiring terminals contribute to this.
The vast majority of the acquiring market is occupied by banks that are members of payment MasterCard systems as well as Visa. American Express has long been used in the United States. The cards of this company are widespread all over the world and are also used in acquiring terminals.
Everyone who uses the Internet to carry out various financial operations type of telephone top-ups, payment utilities, extension of the Internet and others. Lovers of purchases in online stores pay for purchased goods with bank cards or electronic money.
Acquiring is also the usual issue of money to the holder of a plastic card, for example, in the premises of any modern post office. Basically, this kind of issuance takes place through an ATM available there or a specially prepared mobile POS terminal. All kinds of self-service gadgets for accepting bank cards are also credited to this area.
Mobile acquiring technology accepts payment for a purchased product or service received by means of a bank card via a smartphone or the most common tablet to which a mobile POS terminal is connected.
The presented technology was developed in the USA. It was based on the 2004 Square project, which meant improving the security of business operations and simplifying the process of conducting various settlements on mobile devices. A few years later, we also became users of all its benefits. However, Russia pays more attention to security measures. Apparently, national peculiarities are taken into account.
Banks are guided by the established rules of the international payment systems MasterCard and VISA for conducting payment transactions. The client's desire to pay for the purchase made bank card leads to the fact that the acquiring bank sends a request to the address of the corresponding international payment system, after which it sends an appeal to the issuing bank that issued it. Upon receipt of a satisfactory answer, the operation is considered completed, and the required amount of funds is debited from the card.
There is no standard payment processing as such. In each country, it differs in some, sometimes very insignificant, nuances. The Kazakh system and the Russian one can be cited as an example. Banks do not coordinate some operations with payment systems to simplify the interaction of processes in the processing of payments. However, the difference between the Kazakhstani market and the Russian one is in its level of development. Having a chop card issue, it is almost completely protected from fraudulent activities. Low card turnover makes challenging transactions almost meaningless.
POS terminal
The store is the main component of its acquiring business. What kind of device is it? What should it be? Who is the market leader in the production of terminals that accept bank cards?
Details about this device will be described later. V modern life this information can be very helpful. Especially for those who often make various purchases and would like to know more about the acquiring terminal (or POS terminal).
This acquiring device was created by an engineering genius to scan the contents of plastic card data that is used by the buyer when paying for various kinds of goods or services received. This process involves a contactless module, magnetic stripe or chip. The data read in this way is transmitted with lightning speed to an organization providing acquiring services or an acquiring bank. The setting up of the acquiring terminal is carried out by a specialist.
During the transfer, the acquiring bank receives the customer's identification data, which confirms the user's intention to pay the invoice. In principle, this data is contained in his personal PIN-code. bank card, to enter which the customer uses the terminal keyboard.
When the acquiring bank finishes processing the data, the acquiring terminal makes its decision to process the payment or refuse.
Upon completion, he can issue a printed receipt of the payment made. The same result is displayed on the terminal screen or information is transferred to the cash register for printing on a receipt printer.
If we assign a classification to mobile POS terminals, then we can distinguish the following varieties that accept bank cards for payment.
Standalone devices
These are fully functional devices with flawless performance of the specified functions. No computing module in the form of a computer, tablet or smartphone is connected to them. These stand-alone devices are classified into a couple of subtypes such as stationary and mobile. The first of them either do not have a battery, or they have, but are very weak and transmit the received data via wired Internet. The second, mobile, are equipped with a powerful battery and transmit all data wirelessly.
Modular coupling devices
The purpose of these devices is in the implementation of the connection between the pin-pad and the card-reader, the main function of which is to read the used card and receive the pin-code. Its content is known only to the buyer himself. Links between computing modules such as a tablet, computer or smartphone. They are designed to process payment data.
Vending devices for embedded terminals
The vending machine is responsible for automatic settlements with customers, and therefore such devices are built into it. If at the time of making a purchase such a terminal is available, then this is an opportunity for settlement both in cash through a bill acceptor and by debiting sum of money from a bank card.
Category of stand-alone stationary POS terminals
The models of acquiring terminals in this category that have proven themselves most positively in the field of cashless payments are VeriFone Vx510, Ingenico iCT220, PAX S80, VeriFone Vx510.
All listed devices are connected to the Internet, GSM, and a backup Dial-Up channel. Thanks to these channels, it is possible to exchange data from a bank card. Speaking of their "iron mince", he is impressive. For example, a built-in printer prints receipts on 58mm-wide paper at a speed of 18 lines per second. It is a standard paper acquiring terminal tape on which receipts are printed. A special reader has been introduced for chip and magnetic cards. Although the RAM is small, only 2 MB, it is enough for such a volume of processed information. Actually, like the 4 MB flash memory. The built-in 128 x 64 pixel display delivers very high quality images. And the eight-key programmed keyboard is very easy to use.
Outlets with very high sales figures use acquiring terminals due to their unprecedented performance.
The multitasking operating system of such devices allows the launch of several applications at the same time. Launched applications can be related to more than just cash register programs. Some are intended to pay for various services, such as replenishing a mobile phone balance with a client's funds or transferring to another card.
It is also used to pay non-cash by bank cards. The device has capabilities that, in principle, should not be compared with the characteristics of the above examples. The most notable hardware component is the additional ARM 7 processor. Significantly increased RAM capacity of 16 megabytes and similar to flash memory. The built-in receipt printer prints 18 lines per second.
The advantages of the PAX S80 terminal are expressed in such competitive qualities as payments contactless cards... Equipped with powerful ARM11 mini-processor. A significant amount of RAM of 64 megabytes and flash memory, reaching 128 megabytes. The built-in receipt printer prints 25 lines per second. This device downloads settings and applications remotely.
Detailed instructions for acquiring terminals are included in the package.
The considered models have passed the appropriate certification in terms of technical capabilities to conduct safe financial transactions with bank cards. Including encrypted transactions.
The device has some advantage Russian production"Tier M2100F", because it is capable of to function both as a POS terminal and as a cash register, which, in turn, includes the work of an online cashier under the requirements of 54-Ф3. In its filling, it contains 16 megabytes of RAM and the same flash memory. Sometimes the RAM reaches 32MB. The main element is a powerful ARM9 processor. Externally it presents a color display with 320 x 240 pixels resolution and a monochrome display with 160 x 80 pixels resolution. Supports payments with contactless cards. Supports Wi-Fi connection, 3G, data transfer via Bluetooth.
VeriFone Vx510 terminal
Its main functions are almost identical to the device from this Vx510 series, which was considered earlier. The difference is in a powerful battery. From this, the versatility of its use is significantly increased, while in terms of performance it is in no way superior to the stationary model. The instructions for the acquiring terminal will tell you more.
About PAX S90 terminal
We can say that its characteristics are quite similar to the S80 device. However, its superiority over the stationary model is in providing a powerful battery. Most wireless standards are available to this device to support the exchange of payment information. Acquiring a user's card on this device is easy to implement and convenient.
Speaking of the above devices, it would be unfair to ignore mobile terminal Ingenico IWL220 and its capabilities. The hardware performance is practically the same as its stationary version. However, it has a more powerful battery.
Remote keyboards, or pin-pads
If we consider this type of payment terminals, then the most popular are the models Tier P2100, VeriFone Vx805, Ingenico iPP320, PAX SP30.
Each model can become a fully functional POS terminal if you install a dedicated software and connect to one of the computing modules, which can be a tablet, smartphone, cash register, computer or stand-alone POS terminal.
The purpose of the remote keyboard Tier P2100 is precisely in the joint use of cash registers with a variety of POS-systems. If a merchant is already provided with a cashier infrastructure, then this feature gives it the opportunity to acquire all the necessary hardware solutions for acquiring at minimal cost.
The operation of the "Tier P2100" is controlled by the Linux operating system. Like other gadgets, it has a processor, or rather ARM 9. RAM - 16 megabytes and the same flash memory. Monochrome display with a decent resolution - 160 x 80 pixels.
The pin-pad function of VeriFone Vx805 is to use the banking module to support payment with bank cards. It has a powerful ARM 11 processor. 32 MB of RAM and 128 MB of flash memory is more than enough. Computing modules are connected to it via Ethernet, USB, RS232 interfaces. During the processing of payment information, the most demanding encryption standards are supported.
It is also convenient to make contactless payments with the Ingenico iPP 320 device. Its configuration consists of a main processor ARM 9, an additional crypto processor ARM 7. The amount of RAM in the module is 16 megabytes and 128 is the amount of flash memory. Communication ports - USB, RS 232, Ethernet.
It is worth paying attention to the device of the external keyboard PAX SP30 with memory modules of the same parameters of the aforementioned device. Keyboard - six function keys, communication ports - USB, RS 232.
All of these pin-pads are certified and meet modern transaction security requirements.
You can also consider the latest modifications of terminals for acquiring, the so-called MPOS devices. After 2010, they began to spread widely and have already proven themselves excellent. As expected, the Americans have the lead. This device was first used by Square.
There are now enough acquiring services in the post-Soviet space as well. They also use similar innovations, including Pay-Me, 2can and Yandex.Kassa.
This latest high-tech device is an advanced take on the previously reviewed pin-pads. In fact, we are talking about terminals of this type, which is the originator of a separate group of cash register equipment with unique qualities. Among them is the special compactness of the device, due to which it is inferior in size to a bank card several times. The computing module connects to it very quickly and is no more difficult than headphones to a tablet. It complies with all security standards in the same way as it is done with pin-pads and classic terminals, has the ability to read cards and process payment data.
Which manufacturers of MPOS devices are the most famous in the world? These include Square, Sunyard, PayPal. These types of acquiring terminals are unique in their kind.
The MPOS terminal owes its existence to Robert Morley. A professor at the University of Washington, he was one of the partners who pioneered the founding of Square. His contributions were the concepts that formed the basis for the creation of such a terminal. Subsequently, they were revised and improved with various innovations in technological options. At the moment, the MPOS terminal market can focus on such categories of solutions as:
- Devices that can provide payments via bank cards, where there is a contactless module, chip or magnetic stripe.
- Devices that connect to computing modules from Bluetooth, USB, audio jack.
As you know, not all interfaces are the same. There are specialized interfaces for a particular brand. Actually, 30pin from Apple. Therefore, there is an application of alternative methods.
Depending on the modification, some MPOS terminals may differ in size, as well as in placement relative to different positions of the tablet case or smartphone.
One of the most significant implementations of this device is in its format for connecting directly to the audio jack and very small dimensions. Or rather, does not exceed ¼ part of the bank card size.
Sometimes there are troubles in the settlement operations, and the display gives out the error codes of the acquiring terminals. Each code indicates a specific reason for a rejected payment or transfer of funds.
The most branded terminal manufacturers that we often use to make automatic payments with our bank card are ViVOpay, Yarus and Vendotek. These terminals are usually built into the walls of buildings outside or inside.
Also, the market is saturated with many products of co-production of different brands. A good example is the Yarus Vendotek T2100 terminal, which supports contactless payments. Using Ethernet, GPRS, 3G interfaces, communicates with the bank host.
Among other things, this device is equipped with a high-performance processor ARM 9. The module of impressive RAM - from 16 to 64 megabytes. Has modules of more impressive flash memory, from 16 to 128 megabytes. Color display resolution - 240 x 320 pixels.
Vending accessories
Vending machines and terminals for them are provided with various technological accessories produced by ViVOpay. It is distinguished by its famous Vend III reader, capable of providing contactless transactions. Its equipment consists of a high-contrast user-friendly display. It has remote control and a very powerful processor. In addition, its RAM contains large modules.
POS-terminals in their options have one of the most popular vending machines function is a remote control capability. If it is necessary to carry out diagnostics or some kind of settings, the owner of a business where the use of such devices is practiced will certainly face the inconvenience associated with periodic visits to the place where the device is located. The ability to solve such important tasks without any failures and remotely by terminals for vending devices is their strong competitive advantage. Everyone who uses them often knows how acquiring terminals work.
Hello! Today we'll talk about merchant acquiring and bank tariffs. We will also tell you what it is, how it works, how to connect, etc. To do this, we contacted bank specialists and prepared bank offers for you with the most favorable conditions for today. In addition, you will learn about the pros and cons of this service for your business.
What is merchant acquiring
The most convenient form of payment today is a bank card. Increasingly, in hotels, shops, restaurants and other companies, instead of the usual banknotes, people are handing out a plastic card to pay for services. In this regard, the number of companies that implement merchant acquiring is increasing every day. Not only big players in the market, but even private entrepreneurs understand that we are talking about a struggle for customers!
There are 3 types of acquiring:
- merchant acquiring
The latter will be discussed in today's article.
Merchant acquiring – it banking service, which allows all sales representatives to accept bank cards instead of cash when paying for goods and services using a special terminal. You will learn in detail how to get this service in this article.
In addition to the general definition of cashless payment, merchant acquiring has another side. In fact, this type of service implies the provision of banking organization special equipment, as well as settlement, technological and informative services. The service can be used by any company that accepts payments by bank cards from any of the well-known payment systems.
The subjects of this process are:
- customer;
- salesman;
- acquiring bank;
- payment systems.
Sometimes, between the store (seller of goods / services) and the bank is added processing company. Large banks usually have their own processing center.
In general, the task of the processing company is the installation and registration of acquiring equipment, as well as the processing and storage of information on all operations passing through the terminal.
The presented service is due to a huge number of advantages that are relevant both for large trading companies and for private entrepreneurs. Thanks to this, acquiring is now only gaining momentum.
By connecting to merchant acquiring, you get:
- Improving the competitiveness of your organization.
- Increase money turnover thanks to the involvement of bank card holders.
- Consumers will be able to use large sums as they are not limited to cash.
- The risk of receiving counterfeit banknotes is reduced.
- The speed of conducting trade and settlement operations increases.
- Holders of bank cards are more likely to decide on large and unplanned purchases.
- Reduced preservation costs Money(collection).
- The level of optimization of the entire customer service process is increasing.
- Payment security guaranteed! Loss, theft, fires and even a cashier's mistake - all this fades into the background.
Tariffs and conditions of banks for merchant acquiring
Consider the most favorable terms of merchant acquiring and compare the rates of the leading banks.
Important! To work with merchant acquiring, you first need (this article provides Better conditions banks for opening a current account and we will now consider some banks on merchant acquiring).
Russian Standard Bank
Transaction fee - 2.5%.
Connection cost, including equipment (terminal) - from 12,000 rubles.
It is possible to work with a current account of another bank.
Modulbank
Trading terminal - provided as a property! It is possible to purchase it on credit at a rate of 16% of the terminal cost. Delivery within 5-7 working days after payment. All equipment settings for your business are made by bank representatives. You just have to turn on the terminal and start accepting payments.
- Transaction Fee - Fixed - 1.9%.
- Equipment cost - 24,500 rubles. (ICT 250 CTLS / GPRS wired), 30,000 rubles. (IWL 250 GPRS wireless), 33,000 rubles. (IWL 250 Wi-Fi portable). Ingenico equipment.
More detailed information about trade acquiring in Modulbank you can find on bank website.
Bank Point
An excellent bank for entrepreneurs and ONLY for entrepreneurs!
To order the service, the client does not need to go anywhere; it is enough to enter the Internet bank and sign a previously prepared agreement there. You do not need to pay any additional fees and security deposit. You can receive money to your account the very next business day. The terminal does not need to be bought: it can be rented for a year, and then it will remain with the client.
- Transaction fee - 1.6 - 2.3%
- The cost of connecting the terminal is free.
- Equipment cost - From 23,000 rubles to 31,000 rubles. There is an installment plan for 12 months. Verifone terminals model 520 (portable and stationary) and 675.
You can find more detailed information about merchant acquiring in the Point at bank website.
Raiffeisenbank
Transaction fee - from 1.9 - 2.2%
Monthly payment for using electronic terminals: from 190 to 990 rubles. for 1 terminal.
The cost of connection and registration of the terminal is from 490 rubles. up to 29,990 p. for the terminal.
All numbers from and to depend on your turnover. The higher the turnover, the more profitable your tariff.
Connect acquiring on the official website of Raiffeisenbank.
Here is more detailed information about the tariffs for merchant acquiring from Raiffeisenbank:
VTB
Transaction Fee:
- turnover up to 100,000 rubles. per month for 1 terminal 2.7%;
- turnover from 100,001 to 150,000 rubles. per month for 1 terminal 2.2%
- turnover from 150,001 rubles. per month for 1 terminal 1.6%
Terminal maintenance- from 0 to 1000 rubles. per month. (depending on the tariff)
Details on the official website of VTB.
Terminal price:
- Stationary POS terminal from 10,000 rubles. for 1 pc.
- Portable POS-terminal from 16 000 rub. for 1 pc.
- In the tariff "Small Business" POS-terminal from 2 600 rubles. for 1 pc.
Here is more detailed information about the tariffs for VTB 24 merchant acquiring:
Trade acquiring at Sberbank
This is the most mysterious bank of all. We called, wrote, asked and received no answers. The answer of the employees is always the same: “Come to the bank branch and the employee will calculate the conditions for you individually”. They don't even say the percentage of the commission FROM and TO.
But we dug in the Internet for a long time and from other sources we managed to find out approximate tariffs for trade acquiring of Sberbank.
Details on the official website of Sberbank.
Necessarily:
- A current account with Sberbank.
- Installing a terminal for remote customer service.
Transaction Fee- depends on the turnover.
- If over 1,000,000 rubles, then 1.8%;
- up to 1,000,000 rubles. up to 2.4%.
But, reviews on the Internet about Sberbank's merchant acquiring indicate that this is not the limit of the commission. At low turnovers, there were cases of an increase in the percentage up to 3.4% and even up to 4%. Moreover. If you do not agree with the increase in the percentage, then they will quickly come to you and pick up the terminal.
If everything is stable with your turnover, then as a rule interest rate, as indicated 1.8 - 2.4%.
At the same time, Sberbank is the leader in trade acquiring.
Alfa Bank
We contacted the employees of Alfa Bank and received a reply that they no longer deal with land-based acquiring. Customers are offered a UCS partner. At the moment, it is Alfa Bank that provides only Internet acquiring.
How is payment made in merchant acquiring
In general, the whole procedure takes no more than 60 seconds. The process of paying for goods or services and transferring funds to the settlement account of an entrepreneur takes place in several stages.
Details on the official website of Alfa-Bank.
- Presenting a card to the seller for payment of goods or services;
- Sending a request by the seller and obtaining permission to perform an operation from the processing center (or the processing center of the bank);
- The processing center contacts the bank that issued the card;
- The cardholder (buyer) is authorized by entering the PIN-code;
- The amount of money is debited from the cardholder's account;
- The cardholder (buyer) receives a check (slip) about the transaction.
To carry out this entire operation, special equipment is required. imprinter, or POS terminal, in some cases, both. The essential difference between these two types of equipment is only in one:
- funds are credited to the account of the seller who used the imprinter on the third day after the performed operation. And those who use a POS terminal to the next one.
Example: A customer came to your store and decided to pay for purchases with a card, you inserted his card into the terminal, he entered a pin code, you gave him a check.
Rights and obligations of the parties
When installing equipment in retail outlets, a banking organization is obliged to provide qualified technical assistance, as well as provide advice on any issue.
It is also worth noting other responsibilities of banking organizations:
- The POS-terminal is being installed, as well as the initial testing of the equipment.
- Information support and assistance in training employees, customer service and work with equipment.
- Transfer of funds to the client's account in deadlines prescribed in the contract.
- Checking the solvency of bank cards.
- Providing technical support 24 hours a day.
- Provision of consumables (slips, receipts, etc.)
As for trade organizations, they have the right to demand high-quality performance of services, as well as obligations. In this case, trading companies must comply with a number of conditions.
- Prepare a place for the installation of specialized terminals.
- Pay a set commission.
- Accept credit cards for payment.
There is one more feature: acquiring banks reserve the right to charge a commission based on the cost of a product or service. not from the consumer, but from the seller ... Other features of the provision of services and obligations are prescribed in the contract.
How to connect the merchant acquiring service for individual entrepreneurs and LLC
You have already understood the whole mechanism of action of the presented service. Now you need to determine the sequence of actions when connecting an acquiring. From the application to the final result, there are only 6 stages, which we will consider further.
- Choosing in favor of the bank
Many processing companies offer to work with them directly. Comparing tariffs and conditions, you should make a choice in favor of a bank as a service provider. Processing companies are only intermediaries who are paid a commission, so you shouldn't overpay in vain. In addition, as mentioned above, many leading banks have their own processing centers.
- Service request
After you have decided on a banking organization, you need to contact it and inform about your desire to use the merchant acquiring service. This can be done both through online operators, using hotline or by contacting the office.
- Documentation
Has your candidacy been approved? Then you will need to prepare a certain package of documents. In order to find out the exact list, contact the bank. In some banks (for example, the Point), you can arrange equipment without leaving your home, through Personal Area... Some banks (Sberbank), in order to obtain terminals for use, require a current account with their bank.
In general, you will need to conclude 2 contracts:
- acquiring agreement- for service in the processing center and conditions;
- equipment lease agreement(if the equipment is provided for rent, and not for permanent use).
In addition, you will need to prepare the following package of documents:
- * Charter (legal entity);
- Enterprise manager's passport;
- Certificate of state registration as an individual entrepreneur or legal organization;
- Help from tax authorities about the absence of debt;
- Certificate of opening a current account;
- * Certificate of tax registration (at the request of the bank);
- Other documents (at the request of the Bank).
- Signing a contract
The next step is drawing up and concluding a contract with a service provider. This document is intended to regulate various disputes that may arise between the parties during cooperation. The contract stipulates all the rights and obligations of the parties.
- Equipment
You will be offered to rent equipment that will allow you to carry out cashless transactions... In this case, it can be a stationary or portable POS terminal. The latter option is suitable for restaurants, cafes or courier deliveries, since the portable POS terminal is mobile. As for stationary devices, they are perfect for a store, a beauty salon and other organizations where customers themselves come to the place of payment.
- Installing and starting the system
You will need to agree in advance on the time at which the equipment will be installed. A specialist will arrive at your facility and perform the installation. After that, a test start of the system will be carried out before the start of maintenance. You also need to apply with a request to conduct training for your employees.
The emergence of difficulties cannot be ruled out, but despite this, merchant acquiring can be an excellent tool for increasing profits! Connection of the service helps to strengthen the company's position in the trade and services market. In addition, this is a high indicator of reliability, since the company closely cooperates with one of the banking organizations.
- Requirements for the installation site of the terminal
In general, the requirements for the installation site of the terminal will be approximately the same.
- Place for equipment installation on a horizontal surface, approximately 30 x 40 cm.
- The presence of an outlet.
- Availability of Wi-Fi, dedicated telephone line or patch court (cable).
- Availability of a SIM card and cell phone.
The development of monetary relations has become a prerequisite for the emergence of bank cards. They were intended to simplify the procedure for cashing out funds. Acquiring appeared with the development of technical progress. This banking service has turned the card into a tool for everyday use.
Background
"Acquiring" (translated from English. "Acquisition") is a system for accepting cards to pay for services. In terms of importance, it can be compared with the emergence of mobile phones. Initially, acquiring was primitive. Cashiers used an "imprinter" through which a "cast" with details was taken from the card. The device did not communicate with the bank, and the cashier had to call the financial institution to confirm the availability of funds in the customer's account. The modern electronic terminal appeared much later.
The essence
To take advantage of all the benefits of the service, you need to conclude an agreement with the acquiring bank and connect the terminal at the point of sale. An acquiring bank is a credit organization that makes settlements with enterprises for operations using cards, and / or issues funds to cardholders who are not registered. At the same time, an organization can simultaneously issue cards, issue acquiring terminals.
Acquiring types:
- Shopping - presented in restaurants, shops, hotels, etc.
- Internet - buying goods on the World Wide Web.
- ATMs are terminals and ATMs where you can withdraw cash from your account.
The terminal provides transfer of payments to the company's account via the Internet or a telephone line. It is not necessary to buy it yourself. Firstly, each bank has its own model range of devices, and secondly, not a single one credit institution will not undertake to provide technical support for a "foreign" device. To carry out transactions, you need not only acquiring terminals, but also a cash register connected to the payment system.
Merchant acquiring
The very process of paying for the goods through the eyes of the buyer can be described as follows:
- the client hands over the plastic to the cashier;
- the cashier conducts the operation through the acquiring terminal with pre-authorization and asks the client to enter the PIN;
- a connection is established, that is, the amount required to pay the check is debited from the holder's account.
In this case, an enterprise that uses a payment terminal must:
- place devices on the territory of their premises;
- accept cards to pay for services;
- pay the bank a service fee.
The bank, in turn, is obliged to:
- provide equipment;
- train company employees to work with terminals;
- check the balance on the account at the time of the operation;
- reimburse the organization for the amount paid;
- submit expense documents;
- provide full technical support.
Internet acquiring
This scheme is similar to the previous one, but it lacks direct contact between the seller and the buyer. The whole process is carried out through web interfaces. The client selects a product on the seller's website and clicks on the "Buy" button. Next, a special form opens in which you need to enter the details of the payment card. This is the so-called processing company. To confirm the purchase, many banks ask for one-time passwords, which come in the form of an SMS message to the cardholder. Confirming the payment, the client sends a request to the bank to transfer a certain amount of funds to the account of the online store.
Mobile acquiring
Not so long ago, mPOS terminals appeared on the market through which mobile acquiring... They are a card reader connected to a smartphone. The device has an application that is used to manage the acquiring terminal and work with payment systems. Such devices have a number of advantages over traditional devices:
- they are mobile;
- have round-the-clock access to the account;
- mobile acquiring terminals are cheaper than conventional ones;
- cashless payments with their help are safe, etc.
Mobile terminals are also convenient because they allow you to pay for a taxi driver in the car and for pizza delivery at home.
Sequence of operations
The payment operation through terminals looks like this:
- The cashier passes the card through the terminal.
- The information about the payer is sent to the processing center.
- The system checks the account balance.
- If there is a sufficient amount, funds are transferred between accounts.
- The terminal issues 2 copies of the receipt. One remains with the cashier, and the second is handed over to the buyer.
- The acquirer transfers the funds to the seller minus the commission.
Acquiring in Russia
In RF this system is still in the development stage. Total cards issued in the country exceeded the population. Although in the USA and European countries it is 2-4 times higher.
Against the background of the growth of financial culture among the population, the card is perceived as convenient tool payment and access to resources, but acquiring in Russia is slower than planned. 15 years ago, the ratio of cash and non-cash payments was 97% and 3%. Today the numbers look different: 85% and 15%. However, 70% of transactions relate to withdrawals from the account.
You can purchase and connect a payment terminal through any bank in the country. You need to focus only on reputation and experience credit institution... For example, BINBANK PJSC provides its clients with the BIN-Go service. Choosing one of four terminals, the client receives an acquiring service with the ability to accept cards from four payment systems. Mandatory conditions - payment of a commission at the level of 1.8% and crediting funds to the client's account within two days. You can use the service as early as seven days after submitting the application.
The acquiring terminal of Sberbank is provided on other terms. The size of the commission depends on the monthly volume of revenue that passes through the cards and can range from 0.5% to 2.2%. For the maintenance of acquiring terminals, you need to pay 2 thousand rubles a month.
Connection of an acquiring terminal: 1C "Retail"
For settlements in 1C, the document "Acquiring operation" is used. First, you need to activate this function in the "Administration" tab, the "Finance" item, by checking the "Card payments" checkbox. You can create an "Acquiring operation" in the "Finance" tab or on the basis of "Sales of goods", "Customer order".
In the window that opens, some of the details are pulled from the main document. For example, "Counterparty", "Amount" and "Item Name". Additionally, you need to specify "Terminal", "View", "Card number". Information is pulled from the "Acquiring Agreement" on the "Finance" tab. If this document is missing, then it must be created by specifying in the form:
- name of the acquirer (with the type of contract "Other relations");
- the acquirer's counterparty;
- check;
- Card number.
Additionally, you will have to create the acquiring terminal itself in the program.
After filling in the data, you need to return to the original document and conduct an "Acquiring operation".
Bank report
After receiving the account statement in the program, you need to post the document "Bank Acquiring Report". It is created in the item of the same name on the "Finance" tab. The first step is to indicate a specific agreement with the bank. Then by "Selection" pull up "Receipt of payments". In the payment window that opens, select a specific acquiring operation and click on the "Transfer to document" button. All information will be displayed in the tabular section of the report.
Information about the bank's services is filled in on the "Acquiring Commission" tab: cost item, analytical accounts, amount. The final stage is the creation of a "Current account statement" based on the "Report". With this document in 1C, the proceeds from the sale minus the commission are credited to the cash account.
UT 11
The acquiring terminal in this version of the 1C program is connected differently. In particular:
- the agreement with the bank lists all payment systems for which the agreement is valid;
- for transactions with impersonal clients, the document "KMM Checks" is used;
- at the end of the day, the "Closing the shift" is carried out, and the "Sales report" is automatically generated.
In the "Check" on the first tab, information about the product is indicated, on the second - about the payment card, on the third - the details of the check and the full name of the cashier.
Memo for using the machine
When making a payment through the terminal, a number of problems may arise: network failure, cancellation of the operation, insufficient funds on the account. Let's take a closer look at how to use the device correctly and cancel operations.
In case of successful completion of the operation, the terminal prints out a receipt, in which it indicates: card number, authorization and transaction code, payment amount and slip. The latter is a text with parameters. If information about payment confirmation has not been received, you should abort the transaction using the "Cancel operation" command.
When a shift is closed, a "Reconciliation of totals" is carried out at the terminal. At the same time, a report is generated on the transactions carried out for the change in their monetary terms.
"Cancellation of payment" can be carried out during the shift and before the withdrawal of the totals. In this case, the operation number (RRN) and the check number are sent to the terminal. After that, the paid amount is returned to the buyer's account. If the report has already been removed, then you need to execute the "Refund" command, indicating the amount, card number, transaction and check. In the first case, the funds will immediately go to the buyer's account, and in the second, after confirmation
Advantages
Today, many organizations use acquiring terminals to process payments. This technology is convenient to use, eliminates the risk of receiving counterfeit money, and saves money on collection. Not to mention the fact that participants in such programs receive special banking products in the form of preferential programs, discounts on services and free staff training. In turn, the client pays for purchases in a way convenient for him.
Traditionally, cards are preferred by wealthier segments of the population. According to statistics, payment through the terminal leads to an increase in sales by 20-30%. The owners of "plastic wallets" part with their money faster. The average amount of a check paid through the terminal is 30% more than the usual one. The presence of additional makes the company more reliable and attractive in the eyes of the client. Acquiring also increases the number of potential buyers.
What is merchant acquiring? How to activate this service? What are the best rates for small businesses?
Hello dear readers of our blog! Eduard, an economist and a regular contributor to the site's articles, is in touch.
Today we will talk about such a service as merchant acquiring. This method of mutual settlements between buyers and sellers is becoming more and more popular. I will tell you how to connect and launch this service.
I had to deal with acquiring in practice, when I worked in the technical department of one of the banks, so I am aware of all the nuances and peculiarities of the procedure.
Read the article to the end - in the end, you will find tips on how to increase the income of your company with the help of acquiring.
1. Merchant acquiring - what is it and how it works
Merchant acquiring is a service that allows you to pay for goods and services using a bank card. To write off funds from a card account, special terminals or cash registers are used.
In addition to shopping, there are other types of acquiring services. You can read about what types of it exist in one of our articles.
This equipment is to be installed at the point of sale and is provided by your service provider for rent.
Merchant acquiring is an opportunity to pay for a purchase without using cash.
Having figured out what a merchant acquiring is, you can get a little closer to the mechanism of such a transaction. Among the participants in this operation should be noted the seller, the buyer, the acquiring bank and payment systems.
We sell new and used POS terminals for acquiring with a guarantee. All over Russia and the CIS. https://mirbeznala.ru/collection/kategoriya-1
We also connect acquiring at a rate of 1.6% of each transaction if they purchase a terminal from us. And at a rate of 2.2% if the terminal is free from us.
In some cases, processing companies are added to this list, acting as an intermediary between the consumer of services and the bank.
Many large financial institutions offer today such a service on their own behalf. However, it is the payment systems that actually accept and process payments. In addition, many banks outsource this service.
The whole operation of accepting a payment using a bank card takes no more than 1-2 minutes.
The payment mechanism consists of the following steps:
- The buyer presents the card to pay for the purchase.
- The cashier asks the processing center for permission to perform the transaction.
- Authorization is performed in the system by entering a PIN code.
- The processing center contacts the bank and obtains permission to carry out the operation.
- The required amount of money is debited from the account.
- The buyer is provided with a receipt for the successful operation.
The entire process described in practice takes a few seconds.
- The use of customer-supplied raw materials for the production of finished products: accounting, consumption rates, write-off Reflection of services for the processing of materials
- Terms of payment of insurance premiums and submission of reports under the new rules
- Reminder of admission to off-budget (paid) places How to pay for tuition
- Online courses for accountants, distance accounting courses online, online training for accountants Accounting for cash transactions and transactions with accountants