Internet acquiring from "belarusbank" - look at the world differently. Merchant acquiring Mobile acquiring belarusbank
Acquiring Is a modern, worldwide widespread service that allows your customers to pay for a product or service using payment cards. There are more than 18 million trade and service enterprises in the world that use the acquiring service.
If you are the owner of a store or chain of stores, travel company, restaurant, supermarket or other trade and service organization and you still do not accept payments from your customers using bank cards, then this information will be of interest to you.
The number of bank card holders is growing in our country and all over the world. Employees of organizations receiving wages to the card, foreign guests, as well as simply people who appreciated the convenience of non-cash payments, which is why they are accustomed to using a bank card when paying - all these are potential customers who, with acquiring from Belgazprombank, will become your real customers.
Trade acquiring at Belgazprombank OJSC is:
- the ability to accept for payment cards of the most dynamically developing payment system - Union Pay, as well as payment cards MasterCard systems, Visa and BELKART;
- connection of the service within a period not exceeding 7 working days;
- operational control over operations performed using the terminal using a daily report on operations, which is sent to the organization's email address;
- enumeration Money under an acquiring agreement to an account opened in any bank of the Republic of Belarus;
- information and marketing support (stickers with logos of payment systems and training materials for staff).
Stages of connecting the merchant acquiring service
1. Purchase a terminal from a bank partner:
3. Conclude an acquiring agreement with the bank and receive information stickers with the logos of payment systems
4. Receive a configured terminal from a bank partner and undergo training
Tariff plans for merchant and mobile acquiring:
Tariff plan | Acquiring services | Amount of remuneration |
"Standard" | Acquiring payments made using cards of all categories issued by OJSC "Belgazprombank" | 1.7% of the amount |
Acquiring payments made using cards of all categories issued by other banks-residents of the Republic of Belarus, with the exception of cards of the following categories: MasterCard Gold, MasterCard Business, MasterCard World, MasterCard Platinum, MasterCard World Black Edition, MasterCard World Elite / Signia, Visa Gold, Visa Platinum, Visa Business, Visa Rewards, Visa Infinite | 1.7% of the amount | |
Acquiring payments made using cards of the following categories issued by other banks-residents of the Republic of Belarus: MasterCard Gold, MasterCard Business, MasterCard World, MasterCard Platinum, MasterCard World black Edition, MasterCard World Elite / Signia, Visa Gold, Visa Platinum, Visa Business, Visa Rewards, Visa Infinite | 2.2% of the amount | |
Acquiring payments made using cards issued by non-resident banks of the Republic of Belarus | 2.7% of the amount |
Bank news and press releases
Belarusbank's mobile acquiring service is gaining popularity among Belarusian trade enterprises (press release)
The number of trade and service organizations using GandlyarOK mobile payment terminals for accepting non-cash payments using bank cards, exceeded 500 units. These include individual entrepreneurs, courier services, taxis, online store delivery services, outbound trade enterprises, etc., that is, mainly small and medium-sized businesses located both in regional centers and in small towns throughout the territory. Belarus.
The GandlyarOK mobile payment terminal is a reader connected via an audio jack to a smartphone or tablet computer with Android operating systems. The mobile terminal is ready to accept payments using bank cards immediately after registering with the HandlerOK service and installing a free mobile application from GooglePlay. Thus, the solution allows any trade and service organization to accept non-cash payments from clients-holders of bank payment cards Visa, MasterCard and BELKART anywhere and anytime.
To pay, the buyer needs to swipe the card through the reader and sign on the screen of the mobile device to which the mobile terminal is connected. The card-check is sent to the buyer in the form of an SMS to the mobile phone number indicated by him.
The key advantage of the offer is the security of mobile payment terminals, which do not store the information read from the card, but transmit it in encrypted form to the processing center. Each device is equipped with a security chip, which allows maintaining the confidentiality of card data.
Press service of JSC "JSSB Belarusbank"
Internet acquiring- a promising area of cooperation between banks and trade and service organizations.
Perhaps one of the most popular and widespread ways of using a bank plastic card is to pay for goods and services in trade (service) organizations - shops, restaurants, cafes, hotels, pharmacies, fitness centers, etc.
Today, more than 28,000 trade and service organizations in the Republic of Belarus serve plastic card holders, of which more than 15,600 (or 55% of the total) - on the basis of agreements concluded with JSSB Belarusbank.
However, the opportunity to make purchases without visiting stores is increasingly attracting modern Belarusians. Today in our country, as in the whole world, the popularity of payment for goods via the Internet is growing. Internet commerce also attracts the attention of both the business community and authorities government controlled... Therefore, we decided to talk about the prospects for the development of the field of Internet payments, namely, about Internet acquiring. The director of the settlement center for plastic cards of JSC "ASB Belarusbank" Anatoly Bogovik.
- Anatoly Anatolyevich, how did you come up with the idea to develop the direction of Internet acquiring?
- "Always be there"- this is the motto of Belarusbank. Almost every Belarusian family uses the services of our bank. We have achieved that the bank is often deservedly called" people's ".
Holding for many years the leading position in the direction of acquiring in trade and service organizations, we decided to be close to the holders of bank cards and on the Internet.
Belarusbank has been working in the field of Internet acquiring since 2010, i.e. provides settlements for transactions of payment for goods, works and services carried out using bank plastic cards in online stores. This direction is really very promising. According to statistics, more than 30% of the population of Belarus has access to the Internet, and accordingly, the popularity of shopping in online stores will grow. Now it is not at all necessary to go shopping in a long search for the necessary product: in a matter of seconds it can be found online via the Internet.
To date, the bank has made over 60 contracts with online stores. Among our partners are such popular stores as www.policy.by, www.kvitki.by, www.ticketpro.by, www.eda.by, www.pokupon.tut.by and others. We expect a manifold increase in this list by the end of this year.
- What are, in your opinion, distinctive features internet acquiring?
First of all, so far, we can note the caution of Belarusian users, as well as the not very wide range of goods and services provided by domestic online stores.
According to research, the most popular goods for Belarusians in online stores are books and stationery. The second place is taken by technology, the third place is shared by cosmetics and perfumery, as well as computers and components. Home delivery is becoming more and more popular. When it comes to clothing and footwear, it is the norm for Europeans and Americans to buy clothes online. The Belarusian consumer loves to touch clothes, try them on, etc.
But again, everything is developing and significant progress is noticeable.
- There is an opinion that making purchases on the Internet is dangerous. Some people are simply afraid of losing the money that is stored on the card. Are these fears justified and how can a cardholder secure their own when making online payments?
Trading on the Internet is indeed a higher risk activity than, for example, trading in brick-and-mortar stores. We cannot afford to risk the security and trust of our customers, so we pay a lot of attention to information security issues.
Fraud, as a rule, occurs where the proper level of data transmission security is not ensured. The Bank uses proven software and hardware to protect information recommended by international payment systems. The cardholder independently sets the password for the payment operation. Application of a special protocol 3-D Secure reliably protects both the online store and the cardholder from the risk of fraudulent transactions.
In addition, there are elementary security measures that any plastic card holder must perform when making payments on the Internet:
- make online payments only from your computer;
- keep anti-virus programs up to date;
- be careful:
- before making a payment, you must familiarize yourself with the terms of payment, return (cancellation), refund and delivery of the order;
- never show the PIN-code of the card while browsing the Internet;
- use Internet sites that use special software for protection;
- it is advisable to change the 3-D Secure password after each online payment.
- What is the advantage of cooperation with the bank for online shops?
Now trade using the Internet is attractive to buyers and provides new opportunities for the sale of goods, works (services) for sellers.
A modern online store is not only a means of demonstrating information about the availability and basic consumer properties of a product, but primarily a means of selling a product. The seller gets the opportunity to quickly establish contact with the buyer and receive money for the goods sold.
For online stores cooperation with the bank will bring a number of advantages, among which the following can be distinguished:
- firstly, a significant increase in the customer base and the number of sales channels;
- secondly, guaranteed receipt of funds in payment for goods, works (services);
- thirdly, reducing the cost of maintaining retail premises and personnel;
- fourthly, Belarusbank offers a reduced amount of remuneration when making payments using plastic cards on the Internet.
For the buyer benefit are also obvious. it
- expanding the choice of goods and payment methods;
- saving time;
- the opportunity to immediately realize the desire to purchase goods by paying for it with a bank plastic card;
- round-the-clock work of the system;
- Acceptance for payment of bank plastic cards of the leading international payment systems Visa International, MasterCard Worldwide.
By the way, by the end of this year it is planned to realize the possibility of making Internet payments using plastic cards of the national payment system "BelKart".
As in the rest of the world, in our country there is an increase in payments by bank plastic cards. Today, with the help of a card, you can pay in shops, cafes, gas stations, in hotels. And also get cash at any time of the day in a convenient place, pay for utilities, electricity, mobile and stationary telephone connection, cable TV services and internet providers and more. Acceptance of plastic cards as a means of payment is carried out through the following banking services like acquiring.
What is acquiring?
Acquiring is a bank's activity, which includes settlements with trade (service) enterprises on transactions performed using cards, as well as the issuance of cash to cardholders who are not customers of the bank.
Acquiring is carried out by the acquiring bank on the basis of agreements concluded with organizations that accept cards. It includes: activities for the processing of transactions performed using cards issued by other banks; cash services for the holders of these cards; settlement service trade or service enterprises.
To carry out acquiring activities, a bank must either have its own processing center (for example, Priorbank OJSC and OJSC Belvnesheconombank have such centers), or conclude an agreement with a separate processing company.
Processing is the activity of collecting and processing information received from trade (service) organizations, ATMs, self-service payment and information terminals, cash withdrawal points when carrying out transactions with cards, as well as transferring processed information for non-cash payments.
In the Republic of Belarus, acquiring is possible only for transactions made using cards national system BelKart and international systems VISA International and MasterCard WorldWide.
How it works?
The relationship between a merchant and its customer can be described as follows:
1) When paying for goods or services, the client decides to pay with a plastic card.
2) The cashier, having received the card from the client, before performing the payment operation, performs an external examination of the card to verify its authenticity and belonging to the client.
4) After the successful completion of the operation, two copies of the card check are printed, one of which is returned to the client along with the card.
5) After the end of customer service, the cashier ends the transaction day. To do this, using an electronic terminal, the cashier creates registers of card-checks, which are electronically transmitted to the acquiring bank.
The process of receiving money from a buyer - a trade (service) enterprise is shown in the figure.
Acquiring scheme |
The following participants are involved in making payments for goods and services using bank cards: a processing center, a payment system, the card issuing bank (the company's client bank) and the bank with which the organization has entered into an agreement - the acquiring bank.
When making payments with a plastic card, the following occurs:
1) When reading information from a card through a secure communication channel, the request goes to the processing center, which communicates with the payment system.
3) The issuing bank checks the validity of the card and the sufficiency of funds in the client's account and generates a response, which is delivered to the terminal installed in the organization along the return route.
5) After that, the issuing bank, on the basis of the received documents, transfers funds from the client's card account in favor of the recipient (acquiring bank, trade organization, etc.). Funds are credited to the company's account no later than one to three working days.
Equipment required to connect to the acquiring service.
There are three main types of such equipment:
1. mechanical devices used to issue special payment checks - plastic card slips (so-called imprinters). To get an impression on the slip, the imprinters use two rollers: the first one transfers information from the card to the slip, and the second - information from the plate of the company (cliché) serving the card. After receiving the imprint, the cashier enters into the slip the necessary data about the operation being carried out, after which it is signed by the client. One copy of the check remains at the point of sale, the second - with the client, the third copy is sent to the bank. In our country, they are practically not used.
The installation of imprinters at trade and service enterprises was popular several years ago, but nowadays such solutions are used more often as a backup method of payment by credit card in case of electronic equipment failure.
2.electronic terminals for accepting bank cards, various models and methods of connection to the processing center servicing bank(POS terminals);
3. special software for cash registers, working in conjunction with special plug-in keyboards (so-called cash solutions).
The most common option now is to install one or more POS terminals in a trade and service enterprise. The modern range of such terminals allows you to connect a merchant to the bank in a variety of ways. It can be a regular telephone line, a dedicated communication channel, or a connection through a mobile operator. The latter option may be convenient for those organizations that carry out courier delivery of goods. In this case, you can equip couriers with mobile terminals powered by batteries, and provide the ability to accept a bank card for payment directly at the place of delivery.
There are also solutions using communication mobile terminal with its base unit via Bluetooth. Such solutions are convenient for restaurants, since they allow the waiter to carry out card transactions directly at the client's table.
For large organizations with several cash registers (for example, supermarkets), banks offer the installation of cash register solutions. In this case, revision is made software cash registers for the implementation of accepting payments by cards, special modules are connected to cash registers for entering a PIN code and reading chip cards.
Internet acquiring
Internet acquiring allows you to pay for purchases on the Internet, having only a current account in any bank and a Visa or MasterCard plastic card. In this case, it is necessary that two conditions are met. First, it is required that the issuing bank admits the possibility of making payments via the Internet with this type of card. Secondly, suppliers of goods and services should be ready to accept such payments by providing the user with a payment interface.
To make a payment, the cardholder just needs to indicate in a special form on the company's website the card number, its validity period and the CV2 code (the CV2 code is printed on back side cards in the form of three numbers). After that, the amount required for payment will be debited from the client's card. In terms of duration, the entire procedure takes about 1 minute and is easy to design.
Internet acquiring appeared in Belarus at the beginning of 2009 - after the launch of the system electronic payments WEBPAY, whose partner in our country is Priorbank OJSC. Through the WEBPAY system, you can pay for telephone communications, the Internet, utilities, food, household goods, books, CDs, keys to online games and much more.
At present, apart from Priorbank OJSC, two more operators have connected to Internet acquiring. True, so far it is more modest: serving only one online service. These are BPS-Bank OJSC, which sells air tickets to Belavia, and JSB Belarusbank OJSC, which makes payments for goods from the oz.by online store.
Acquiring tariffs.
As a reward for acquiring services, the bank collects a commission from the organization (a certain percentage of the transaction amount).
Tariffs for servicing bank cards are on average from 1.2% to 3.0%. This percentage can change up or down, depending on the type of business, turnover of the enterprise, installed equipment, communication methods, etc.
For example, in a regular supermarket, the commission for acquiring is 1.2%, and in hotels, gambling establishments, jewelry stores, etc. -until 3 %.
There is also such a situation when in trade and service enterprises to which the bank provides collection services, the remuneration for acquiring is set in an amount equal to the amount of the collection fee.
Holders of bank cards should also not forget about additional fees. So, for example, when withdrawing money from a card at ATMs or cash withdrawal points of a "foreign" bank that does not have a corresponding agreement with your bank on cash withdrawal without a commission, the issuing bank will debit from your card account from 2 to 4% of the amount of the transaction ...
In addition, you may still have to pay for the services of the bank at the cash desk of which you applied. The size of this commission will be about 2% for Belarusian rubles and 2.5-3% for currency.
Advantages and disadvantages of acquiring
Summing up, one cannot but dwell on the advantages of acquiring and settlements in general by plastic cards.
For buyers:
1. This eliminates the need to carry large amounts of cash with you, without denying yourself in making spontaneous purchases.
2. Security - a lost wallet is unlikely to return, but a blocked card in time makes it possible not to lose your money if stolen.
3. Participation in additional advertising campaigns, promotions and prize drawings.
4. The ability to pay for goods and services on the Internet using a plastic card.
5. Payment utilities, communication services, the Internet, etc. 24 hours a day, any day of the week, including holidays and weekends.
For a trade and service enterprise:
1. Increase in the number of clients by attracting new clients - holders of payment cards.
2. Minimization of the risk of accepting counterfeit banknotes for payment.
3. Improving customer service (the ability to choose a payment method - cash or card), which increases the status of the company.
4. Increase in the company's turnover, because according to statistics, the average amount of a card transaction is 40% higher than the amount of a cash payment. In addition, without having funds, the buyer can pay for goods and services using credit card.
5. Saving money and time for collection and recalculation of funds.
However, despite all the pluses, you need to remember about the minuses. Firstly, bank plastic cards also cannot be 100% protected from the attacks of fraudsters. Secondly, withdrawing cash from an ATM of a “foreign” bank may be accompanied by an additional commission.
And thirdly, despite the fact that it is currently underway public policy on setting the payment for acquiring up to 20% lower than for collection, in some cases the cost of acquiring services even exceeds the cost of collection. And this negatively affects the interest of enterprises to increase the share of non-cash payments.
Questions for self-control:
1. Is an operation to withdraw cash from a card at an ATM of the issuing bank considered acquiring?
2. What cards of payment systems are used for acquiring in the Republic of Belarus?
3. What are the main types of equipment required to connect to the acquiring service?
4. What is internet acquiring?
5. To whom do you pay the additional commission for withdrawing cash from an ATM of a “foreign” bank, the issuing bank or the acquiring bank?
Definitions:
Acquiring- this is the activity of the bank, which includes settlements with trade (service) enterprises on transactions performed using cards, as well as the issuance of cash card holders who are not clients of the bank.
Internet acquiring is a service for paying for goods and services on the Internet using bank cards.
Processing- activities for the collection and processing of information received from trade (service) organizations, ATMs, self-service payment and information terminals, cash withdrawal points when carrying out transactions with cards, as well as the transfer of processed information for non-cash payments.
Issuing bank- a bank that issues plastic cards.
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