Raiffeisen Bank of Legal Entities. Settlement and cash services for individual entrepreneurs in Raiffeisenbank
Opening a current account is free of charge. Clients are offered 4 RCO tariff plans.
Tariffs are presented for the Moscow region and St. Petersburg, if the borrower is located in another region, the amount of commissions must be specified on the website by entering your own location, or by calling the bank's hotline.
Start
For novice businessmen who are just opening their first current account, and it is mainly required to pay mandatory payments.
- Service fee 990 rubles / month, if the borrower pays once / month. When paid in advance, respectively, 8916 rubles / year, 17832 rubles / 24 months;
- The cost of a mobile bank, SMS notification services for 190 rubles / month;
- Transfer of FL 1% maximum one-time 100 thousand rubles.
Base
It is used for operating LLCs, individual entrepreneurs who have a need to make non-cash transactions with counterparties.
- Service 1900 rubles / month, if paid monthly, with advance payment, respectively 17112 rubles / year, 34224 rubles / 2 years;
- Free services: Payments through the Bank-Client system 10 pcs., Mobile bank;
- SMS notifications 190 rubles / month;
- 10 free payments to partners;
- Individuals can transfer up to 200 thousand rubles. with a commission of 1%.
Optimum
The optimal tariff for users who have turnovers on their current account.
Cash settlement fees:
- Keeping an account 2900 rubles, if you pay in advance, respectively 26100 rubles / year, 52,200 rubles / 24 months;
- Free features: mobile bank, SMS notification, 60 payments;
- Possibility to transfer FL up to 500 thousand rubles;
Maximum
Designed for individual entrepreneurs with good turnover on the current account, who regularly carry out transactions.
Cash settlement fees:
- Account management 7500 rubles / month, with an advance payment of 67500 rubles / year, 135 thousand p. / 2 years;
- Free services: transactions 300 pcs. monthly, internet bank, mobile bank, SMS notifications;
- It is allowed to transfer up to 700 thousand rubles to the accounts of the FL.
If the client connects Maximum and Optimum, IE managers are provided with free cards with additional one or two service packages "Gold"... The complete tariff plan is available here.
How to open a current account for an individual entrepreneur in Raiffeisenbank?
For the convenience of users, the bank provides for remote submission of an application for opening a current account. To register, just send an application from the bank's website.
The procedure will be as follows:
- Go on the website.
- Open the section "Small business".
- Go to the cash settlement tab, click "Open an account".
- The client will open an application for booking an invoice. It is necessary to enter a contact phone number, name of individual entrepreneur, TIN, email address, city of residence.
- After submitting the application, the account details will be sent to the specified email address. They can be used when concluding contracts, funds can be received on the account, but the client will not be able to use them until it is activated.
- Immediately after receiving the details, a bank specialist will contact the client to clarify the list of documents that must be provided to activate the account and set the day, the client will be able to transfer them to the bank.
- After collecting all the documents, the individual entrepreneur can independently visit the representative office of the company for their transfer or order the departure of a bank specialist to sign an agreement for settlement and cash services.
- After receiving the documents, the client immediately gets the opportunity to use the current account.
In case of problems, the client can contact the bank's hotline for help by calling 7 495 775 55 75.
SMS-OTP (SMS One time password) - the bank's service for confirming transactions in the Internet bank and mobile bank using one-time codes sent in an SMS message to the Signatory's registered phone number.
The daily limit for signing documents with an SMS code is 1 million rubles per day (Moscow time).
If a token is available, it is possible to certify counterparties, and the daily SMS-OTP limit in favor of such recipients will be increased to 3 million rubles during the day (Moscow time).
Benefits:
Commission for connection and use of the service - no
Doesn't require installation of additional programs and drivers
Does not depend on the operating system of the computer and mobile phone
Codes are one-time use, are valid for a limited time and only for a specific operation
How it works:
When signing a document in the Internet bank (ELBRUS Internet, RBO) or in the mobile bank (ELBRUS Mobile, Raiffeisen Business), a 4-digit code is sent to the registered phone number via SMS, which must be entered in the system. If the code is entered correctly, then the document is signed successfully and is available for sending.
How to connect:
To activate the service, it is necessary to provide an appropriate application indicating the signatory and the mobile phone number (Appendix No. 12 to the Agreement on the Bank-Client system)
If you have a token, then connection is possible in the ELBRUS Internet system in the section "Services and services" - "Additional services" - "SMS-OTP". You need to create an application and confirm it with a token.
Limitations:
Only one document can be signed with one SMS code.
To improve the security of the service, at each attempt to sign documents, it is checked whether the SIM card with the registered phone number has been changed. If the change of the SIM-card is recorded or it is impossible to check the invariability of the SIM-card, then signing the document with SMS codes is not available.
In international roaming, SMS-OTP may not work, since in this case information about a possible SIM card change may not be available. For the security of funds on the account, under such conditions, no SMS code is generated.
Not all mobile operators are suitable for connecting to the service, since not all operators can check for a SIM card change (for example, Motive, etc.).
The service is connected to only one phone number. That is, the code is sent to only one destination.
What to do if the SIM card has changed:
If you have changed your SIM card, the service must be reconnected (see How to activate).
Moreover, if you have changed your SIM card without changing your phone number, then you can reconnect the service by contacting the Bank's Call Center 8 800 700-4646 (subject to successful identification)
ZAO Raiffeisenbank is a Russian commercial bank with headquarters in Moscow and numerous branches in the regions. It is part of the international banking group Raiffeisen Bank Group, which has more than a century and a half history. This financial structure undoubtedly values \u200b\u200bits long-standing traditions, reputation and image. She has been working in Russia since 1996. And special attention is paid here precisely to interaction with small and medium-sized businesses.
Existing tariff plans and conditions
Opening a current account with Raiffeisenbank is quite a worthy solution for individual entrepreneurs and LLCs. On the official bank website, this can be done in the shortest possible time, and the offered rates can be called adequate and not burdensome.
Keeping an account with Raiffeisenbank is allowed both in rubles and in foreign currency. It is also important that all transactions here are carried out as quickly as possible. And even if you want to open several accounts at once, the payment will be charged as for one.
For Russian legal entities and entrepreneurs, the following tariff plans are offered today:
- "Base";
- "Start";
- "Optimum";
- "Maximum".
Opening a current account in Raiffeisenbank for individual entrepreneurs at the "Start" tariff is for those who have recently started their career as a businessman. The monthly payment here is only 990 rubles. And for a mobile bank (to connect you need the will of the client, if there is no need for the service, you can not connect) an additional 190 rubles are taken. In addition, the costs can be even less if you pay in advance immediately for a year or two years of service - it will cost 8916 and 17832 rubles, respectively.
"Basic" tariff costs more - 1900 rubles per month. According to the terms of this tariff, an individual entrepreneur or LLC can make ten payments per month to their counterparties without commission. All subsequent payments will be charged 25 rubles. Internet banking and mobile banking are provided here free of charge - that is, they are included in the package.
Optimum tariff costs 2490 rubles. This tariff also already includes Internet banking and mobile banking, as well as the SMS for Business service. There are 60 payments per month for free, all subsequent payments will cost 25 rubles.
Tariff "Maximum" costs 7,500 rubles per month. It has all the same advantages as Optimum. But at the same time, the limits are much higher - 300 payments per month can be made without any commission fees. In addition, 700 thousand rubles per month can be transferred from the settlement account at the Optimum tariff to the cards of individuals.
The tariff book is posted on the official Raiffeisenbank website www.raiffeisen.ru so that customers can familiarize themselves with each tariff, prices and other details. And it should be noted that, in accordance with the current regulations, you can choose only one tariff plan for all accounts opened in Raiffeisenbank per company. But, of course, if necessary, the client at any time can apply for the transition from one tariff plan to another. You can do this any number of times. One such transition costs 1000 rubles.
It should be specially noted that all the prices quoted are prices that are relevant to customers from Moscow and Moscow region. For clients working in other regions of Russia, service at the indicated rates may even cost a little less - it is advisable to clarify this issue by calling a special regional hotline number 88007009100.
Service package for central regions - Moscow and Moscow region, St. Petersburg
Service package for other regions
Documents required to open an account
The account opening procedure is quite simple. First of all, you need to fill out an electronic form on the portal of the Russian Raiffeisenbank (the address was indicated above). The difference between an individual entrepreneur and an LLC in this case lies primarily in the set of necessary documents. To open a current account with Raiffeisenbank for LLC, you will have to provide:
- bank statement;
- lLC charter;
- a card with sample signatures and seal samples;
- the decision on the appointment of the client as the head of the legal entity;
- documentation confirming the authority to sign;
- passports of the head and other persons who have the right to sign documents (if any);
- a license to operate (for some types of business, as you know, licensing is required).
The list of required documents for individual entrepreneurs is much shorter. In this case, you only need to provide an extract from the USRIP, an application for opening an account and a photocopy of the businessman's passport.
Account opening algorithm
Submitting the documents listed above is not the very first step that you have to take to open an account with Raiffeisenbank for legal entities. First of all, you need to submit an application online, on the bank's portal. Filling out this application is not particularly difficult. But it is available only for individual entrepreneurs and LLCs with the residence of the Russian Federation. Non-residents will have to use other methods.
The online application form contains the following fields:
- Full name of the contact person;
- e-mail;
- town;
- branch (here you need to specify the most convenient Raiffeisenbank branch).
Having entered all the specified data, you should also put two checkboxes - one will confirm agreement with the terms of service, the other will agree with the terms of processing personal data.
After sending an online application, a bank employee will call a potential client and advise on further actions. If the client agrees during the dialogue, then the invoice will eventually be booked for him. The details of this account will be immediately sent to the client's e-mail. By the way, an account with Raiffeisenbank is reserved for a period of up to two weeks (before this period expires, an official agreement on cash settlement should be concluded).
Next, the employee will offer to make an appointment. And here two options are possible: either the client drives up to the nearest bank office, or a bank representative with all the necessary documents will arrive at the client's address.
Cash settlement services at Raiffeisenbank: services for business
The range of services for settlement and cash services today includes:
- currency control;
- internet banking;
- SMS-informing;
- collection;
- issue of special corporate cards;
- salary projects;
- acquiring.
Each of the positions on this list deserves a separate discussion.
Currency control and collection
Today, foreign exchange control over the operations of legal entities and individual entrepreneurs includes really many important options. These include, for example, consulting support from the bank at all stages of the transaction. Assistance in the preparation of documents related to currency control, registration of transaction passports and support of transactions related to foreign economic activity - all this is also undertaken by the banking structure within the framework of this service.
In addition, if necessary, the bank can make recommendations on organizing the electronic exchange of documents between the client (individual entrepreneur or LLC) and the bank. Acceptance of these recommendations will make it possible to strictly observe the deadlines for submitting documents established by the legislation in the Russian Federation.
This banking organization also has its own collection service. Her responsibilities include delivery of the client's proceeds to the bank, delivery of change coins and banknotes to the client, delivery of large amounts of cash by check. The client has the right to agree with the proposed collection schedule, or offer his own. Also, the client can resort to cash collection services for the transportation of all kinds of valuable goods.
Corporate cards and salary projects
For customers who are on the cash settlement desk at Raiffeisenbank, we offer, among other things, special corporate cards. It is a fairly reliable means of paying for hospitality, business and travel expenses. At the same time, the business leader gets the opportunity to control and check his employees. This card will help protect against such tricks as providing fictitious checks that do not correspond to real expenses after a business trip. And the risk of theft of the issued money or robbery is also practically close to zero. In general, such a card simplifies advance and travel calculations, reduces the amount of paperwork. In addition, when using it, you can get discounts from the bank's partners - there is a bonus program.
The salary project from Raiffeisenbank also provides certain advantages and convenience. One of the main advantages is that the service here is carried out in a complex, taking into account all the details. A salary package is issued free of charge for each full-time employee. And three additional “plastic” can be issued additionally to one main card. A high level of confidentiality is ensured for all payments within the project.
The money intended for the payment of wages is transferred to the destination in one payment - this allows you to save money (no extra commissions) and time. And in general, the payment process is automated to the limit. And one more important point: for salary clients (employees of the serviced company) Raiffeisenbank offers more loyal conditions for loans - they can be taken at the lowest rates and without certificates confirming income.
For individual entrepreneurs and directors, Raiffeisenbank LLC also offers certain bonuses. All transactions related to the salary project are supervised by a personal manager. And for any question, the client can always contact him. Also, executives can be offered premium cards, discounts and additional beneficial offers.
Mobile, merchant and online acquiring
First of all, it is worth understanding the term "acquiring" itself and its varieties (not everyone may know, this is a relatively new phenomenon). In simple terms, merchant acquiring is the organization of the ability to sell goods at a specific outlet by bank transfer. In this case, the money from the buyer's card is transferred to the account of the acquiring bank, and then to the account of the organization.
In order to organize the acceptance of payments by bank transfer, it is necessary to install special POS terminals, to which the consumer will have to insert or apply a card. And mobile acquiring is the organization of such a non-cash settlement system, in which the buyer is given the opportunity to pay for goods not even with a bank card, but simply with a smartphone with an application installed on it. And, finally, online acquiring (Internet acquiring) refers to the method of payment on the merchant's website using a bank card. In this case, the card itself is not presented to the seller, only its details are indicated.
For clients of IE and LLC Raiffeisenbank is ready to provide all three types of acquiring. Moreover, all the necessary equipment is installed free of charge - it accepts cards from the largest international payment systems. In case of malfunctions and failures, the seller can call technical support - it works around the clock.
Internet Banking and SMS for Business Service
Raiffeisenbank has created its own Internet bank (Bank-client) for businessmen called Raiffeisen Business Online (RBO). It is compatible with all popular OS (Linux, Windows, Mac) and almost any browser. In RBO, you can carry out ruble and currency transactions without fear for the safety of finances and financial data. Remote service in a specialized online service provides other advantages. In particular, here you can:
- send and receive extracts in convenient formats;
- log into the online account with a single login to manage all your accounts (even if they belong to different companies);
- sign payments with an ordinary SMS password without unnecessary red tape;
- make multiple payments at one time.
And if you want to always keep your finger on the financial pulse of your organization, then you should also connect a useful service like "SMS for Business". With its help, it becomes easier than ever to control the accrual and write-off of funds from your company's account, find out the status of payment orders, receive notifications about events in the RBO system, etc.
Raiffeisen Bank has been operating in the Russian market since 1996. During this time, he managed to prove himself as a reliable provider of banking services. And favorable terms of service attract even more not only individuals, but also small businesses. Depending on the size of the company, revenue turnover and the volume of transactions, an entrepreneur or an organization can contact Raiffeisenbank within one of 4 tariff plans. But first it is worth studying all the conditions of settlement and cash services (CSC) in this institution.
The need to open a current account in a reliable bank
Representatives of small businesses sooner or later face the need to open a current account (for legal entities, this procedure is completely mandatory, individual entrepreneurs open an account at will - it all depends on the specifics of entrepreneurship). Is a difficult task for many businessmen. It is worth stopping at large banks that have proven themselves on the positive side and have a high level of reliability.
What could be the threat of opening an account in a new, unverified, unreliable bank? For example, hidden fees that no one will warn about in advance. If the bank suddenly goes bankrupt or loses its license, then you can completely lose your savings in the accounts. Therefore, first of all, it is the reliability of a financial institution that needs to be assessed. Raiffeisenbank is one of those. This bank has different tariff lines, discounts and promotions for clients, a wide range of services, convenient mobile and Internet banking.
Benefits of cash settlement services at Raiffeisenbank
Many business representatives open a current account with Raiffeisenbank due to the many advantages:
- complex provision of services (not only standard cash settlement services, but also favorable conditions for deposits, lending);
- a variety of corporate cards and favorable conditions for their service;
- free account opening;
- a large selection of tariffs (and the grids differ for large cities and other regions);
- the ability to reserve an account in 5 minutes and get the details immediately;
- a full range of remote banking services (SMS-informing, Raiffeisen Business mobile bank, RBO Internet bank, ELBRUS bank-client service);
- availability of active discounts and promotions, additional bonuses (money for advertising, gift certificates for accounting services, etc.).
Conditions for opening a current account with Raiffeisenbank
To connect settlement and cash services in Raiffeisenbank, an entrepreneur or organization must:
- Study in detail the bank's tariff scale. For novice businessmen, it will be quite enough to open an account according to the "Start" or "Basic" plan. Larger entrepreneurs may benefit from other tariffs.
- Leave a request to open an account. You can do this directly on our website by ordering a call back from a specialist.
- Wait for a call from a bank employee. He can ask additional questions, give advice.
- If the client agrees, an account is booked for him (details are sent that can be transferred to their partners and counterparties immediately to carry out payment transactions).
- Make an appointment with a bank specialist.
After that, it remains to prepare a mandatory package of documents and hand them over to the manager during the visit.
Required documents
To open a current account with Raiffeisenbank, both an individual entrepreneur and an LLC need to provide a certain package of documents. The list of them will be slightly different, including due to differences in registration and business conduct.
For individual entrepreneurs
Individual entrepreneur, in order to open a current account with Raiffeisenbank, you must provide the following documents:
- an application for opening an account (must be endorsed with the signature of the entrepreneur, put only if available);
- identifying the identity of the individual entrepreneur and his authorized persons (for Russians, a passport and information about registration are enough; for foreigners, additional papers are required to confirm the fact of their legal presence in the territory of the Russian Federation, for example, a residence permit, migration card or visa);
- a card with sample signatures (if more than two people will have the right to sign payment documents, then an additional statement in two copies will be required);
- confirming the right to conduct activities, if the type of business chosen requires this (for example, licenses, permits, patents, certificates).
If the interests of the individual entrepreneur are represented by a trustee, then he must provide the bank with a notarized power of attorney. Additionally, other documents may be requested when opening a current account by a private entrepreneur (extract from USRIP, certificate of registration with Rosstat and others).
For LLC
For legal entities, an extended package of documents is provided that are required to open a current account with Raiffeisenbank. This includes:
- an application in the form of a bank for opening an account;
- Articles of association;
- identity documents of all persons authorized to sign settlement papers (originals of passports or notarized copies);
- a card with samples of signatures and a seal (+ additional application if more than 2 people will have the right to sign);
- papers indicating the powers of the president, general director or other sole executive body (can be spelled out in the charter, minutes of the meeting / meeting and other documents);
- documents confirming the authority of persons from the KOP (orders or administrative acts on appointment to the position, powers of attorney);
- list of LLC participants or an extract from it;
- licenses and other permits, if they are necessary for the conduct of the organization's activities.
The Bank reserves the right to request additional documents (extract from the Unified State Register of Legal Entities, certificate of registration with Rosstat and others).
RKO Raiffeisen tariffs
For representatives of small businesses, Raiffeisenbank has developed a line of products for servicing cash settlement services of 4 tariffs - "Start", "Basic", "Optimum" and "Maximum". All of them imply the presence of the following services included in the price:
- opening an account;
- access to the Internet bank;
- issue of Business cards 24/7 "Basic" and "Optimal";
- transfer of wages and other payments according to the statement.
The main terms of service for the available tariffs are as follows:
Start | Base | Optimum | Maximum | |
Monthly service cost (Moscow, Moscow region, St. Petersburg) | 990 rubles | 1 900 rubles | 2 900 rubles | 7,500 rubles |
Monthly service cost in other cities | 790 rubles | 1,490 rubles | 2,490 rubles | 6 500 rubles |
How much can be transferred to individuals without commission per month? | 100,000 rubles | 200,000 rubles | 500,000 rubles | 700,000 rubles |
Number of free payment orders per month | – | 10 | 60 | 300 |
Free Online Banking (ELBRUS) | Not provided, you will have to pay 190 rubles per month when connecting the service | + | + | + |
Free SMS-informing about operations | Not provided, paid separately upon connection - 190 rubles per month | + | + |
If necessary, you can switch to another tariff by paying the bank 1,000 rubles one time.
In addition, Raiffeisenbank offers its customers to save money on maintaining a current account by paying for the service 1 or 2 years in advance. In this case, 3 or 6 months of using the bank account are provided to individual entrepreneurs and LLCs free of charge.
Until December 31, 2019, there is a promotion that allows you to get 1 month of free maintenance of your account. To do this, you need to bring a friend for corporate service. You can activate the bonus by entering information about yourself and your friend in a special application:
Both the friend and the customer of Raiffeisenbank who brought him in receive a free service bonus.
Settlement and cash services
A significant advantage of Raiffeisenbank is the provision of comprehensive services for settlement and cash services within the selected tariff plans. A wide range of operations is available for individual entrepreneurs and LLCs:
- free issue of corporate cards and their service on favorable terms;
- trade and internet acquiring;
- salary project;
- currency control;
- collection services;
- deposits.
Read also: Settlement account for LLC in 2019
For small businesses, other services are also provided on favorable terms - loans, overdrafts, bank guarantees and letters of credit.
Corporate cards
Raiffeisenbank customers who have opened an account have the opportunity to issue a card attached to their account for free. The program provides two types of cards:
- Business 24/7;
- METRO Cash & Carry.
Both cards are issued free of charge if you have a bank account. The bank does not charge a commission for re-issue after the expiration date. If the card is reissued on the initiative of the owner, then 300 rubles will have to be paid for the operation. But you don't need to pay extra for SMS-informing.
Regardless of the type of card, the client gets the opportunity to deposit cash into the account with a commission of 0.19% of the amount. Withdrawals are also provided for cards - for this service you will have to pay a commission of 1.5% (but not less than 90 rubles), regardless of the bank in which the operation is carried out.
The service cost includes delivery of the card - you can pick it up at a bank branch or receive it by courier.
Business 24/7
Business 24/7 is a corporate card linked to the company's current account. It is perfect for depositing and withdrawing money and will help its owner save on these operations. Of the advantages, it can be noted:
- instant crediting of funds to the account;
- a single commission for withdrawals from ATMs of any bank;
- the ability to use around the clock, seven days a week;
- payment for purchases online.
The cost of service and some other features of using the card depend on the type of product. There are 4 varieties in total:
METRO Cash & Carry
The METRO Cash & Carry card is an excellent payment instrument for those who often make purchases at retail outlets. It can be used in any stores, and when paying for purchases in the Metro shopping center, the client is provided with additional discounts, with which you can save up to 25,000 rubles.
Monthly service cost - 390 rubles. But if purchases are made in the METRO shopping center for more than 10,000 rubles per month, then the card is serviced free of charge. Additionally, in this retail network you can get discounts:
- welcome - in the amount of 10,000 rubles when making purchases in the amount of 100,000 rubles per quarter;
- regular -up to 15,000 rubles, depending on the amount of purchases in the quarter (for example, having bought goods in the METRO shopping center for an amount of 60,000 to 100,000 rubles, you can count on a discount of 2,600 rubles).
An additional advantage of the card is the ability to use credit funds for making purchases in the amount of 30,000 to 250,000 rubles. No interest is accrued on the borrowed amount for 45 days, after this period, 26% per annum will be charged on the amount owed. You must return the funds taken within 12 months from the date of purchase.
The "Business Travel 24/7" card is a great opportunity to reduce travel expenses, simplify calculations and control over employees. With it, you can pay for business, travel and entertainment needs. An organization, issuing such a card, receives a number of advantages and bonuses:
- reduction of enterprise overhead costs;
- almost complete absence of the risk of loss of funds;
- free SMS-informing;
- the ability to deposit funds to the card without commission;
- exclusion of the likelihood of fraudulent actions by unscrupulous employees (fictitious checks, substitution of payment documents);
- receiving additional discounts under the discount program "Discounts for You!" ( for example, until August 31, 2018, you can book a car with a 10% discount inRentcars).
Service of the card, regardless of the tariff plan, will cost 1,200 rubles per year. You can withdraw money from it at Raiffeisenbank ATMs with a commission of 1.2% or at ATMs and cash desks of other banks with a commission of 1.4% (but not less than 150 rubles).
Salary project
As part of the salary project, all employees of the organization receive personal plastic cards. Maintenance of salary transfer operations will be free in case of activation of the "Salary" service package. Moreover, the issuance of money will be made automatically upon submission of the payroll (extract) and transfer of the required amount.
All 4 tariff plans imply that salaries will be transferred to employees' cards free of charge - this service is already included in the price. You will not have to pay for servicing cards and employees, even if the accounts are not opened in rubles, but in dollars or euros. Withdrawing money from Raiffeisenbank ATMs is made without additional fees, in third-party financial institutions - for 1% of the amount. But for SMS-informing employees will have to pay 60 rubles a month.
Acquiring
Clients concluding a settlement and cash service agreement with Raiffeisenbank get the opportunity to connect several types of acquiring at once:
- internet acquiring;
- merchant acquiring;
- mobile acquiring.
Each of them has its own characteristics and tariff rates, on the basis of which a commission is charged for making payments between the organization and customers.
Internet acquiring
Internet acquiring allows you to accept payments from customers online. An organization can connect to the system absolutely free of charge. You will not have to pay a fixed subscription fee either - Raiffeisenbank only takes a commission from a turnover of 2.7%. Funds received through the Internet acquiring system are credited no later than 1 day from the date of payment.
To connect the service, it is not enough to have a current account with Raiffeisenbank, it is necessary that the site itself, through which payments will be accepted, comply with the requirements of payment systems, have mandatory information (payment process, contact details, warranty obligations, conditions and procedure for return).
It takes about 4 days to connect to Internet acquiring. The process itself looks like this:
- opening an account (if it does not exist yet);
- sending an application for connecting Internet acquiring;
- installation of templates for the site;
- obtaining registration data;
- adding a payment page to the site.
After that, it will be possible to accept Internet payments on your website in the following mode: 24 hours 7 days a week.
Connecting merchant acquiring allows you to accept payments from customers using special payment terminals in retail outlets. Raiffeisenbank offers its customers services at the "Standard +" tariff. Installation of equipment is carried out by the specialists of the institution free of charge, and a symbolic fee of 1 ruble is charged for the registration of each terminal.
Raiffeisenbank terminals accept cards of the following payment systems for payment:
- VISA;
- Master Card;
- American Express;
For each terminal, an amount from 0 to 1,990 rubles is charged per month, calculated according to the following formula:
Additionally, a commission of 1.79% of the payment amount is charged. Thus, the final amount of the monthly commission consists of two indicators.
Merchant acquiring allows customers to participate in Raiffeisenbank's discount program, which saves them money.
Mobile acquiring
When connecting mobile acquiring, a single commission of 900 rubles is paid for the M-POS terminal (reader). The reader is able to completely replace the trading terminal. With it, you can read information from customer cards by connecting it to a mobile device.
The M-POS terminal has a small weight and size, which makes it convenient to use for accepting payments with frequent movements. But the reader is not able to read cards of all payment systems (only VISA and Master Card). Additionally, the bank charges a commission for transactions in the amount of 2.7% of the total amount.