Trade acquiring without restrictions on turnover. Merchant acquiring
Hello! Today we will tell you about merchant acquiring... And also about the favorable rates 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% | 19,000-27,000 rubles. 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 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 a 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 clients are tourists;
Maintenance cost- how much does it cost to consult and call a master, replace a receipt tape, and so on;
Employee 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 tariffs, 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 and print separate receipts. Typically, such terminals are powered from the mains, not from the battery, and are connected 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. Portable terminals can be used 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 mobile terminal and the fiscal apparatus. 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 retail outlets have come under a forced modification - in 2017 they became online cash registers. Unlike the cash registers of the previous generation, the equipment complying with Law No. 54-FZ not only records the proceeds 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 trade equipment can work as before without updates. 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 will 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 steps 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 the cash. The terminal was purchased in installments at 5,000 rubles per 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 first use of bank cards was associated with cashing certain amounts from a card account and depositing cash. However, gradually the functions of cards were replenished, devices appeared that made it possible to pay for purchases in retail chains. Owners of modern banking plastic appreciated the high service of cashless payments. The heads of trade organizations began to think about what acquiring is and what advantages it provides.
The fact is that such a simple procedure as installing a card in a POS terminal and entering a PIN code for conducting an expense transaction in any supermarket means only a part of a functioning system for transmitting and processing information, numerous checks and payment approval.
Acquiring concept
To understand what acquiring is, the translation of a word from of English language... The literal meaning of the word is translated as "acquisition." This term is common in the banking sector when defining a system for accepting special cards. In practice, acquiring provides the ability to make purchases, make payments for services without using cash.
The rapid displacement of "paper" money for non-cash amounts has shown how popular and convenient this function is. Modern life is no longer possible without bank plastic. Get an idea of acquiring, and what it is in simple words, you can use the example of common non-cash transactions. Quite recently, queues were lined up at the cash desks to pay for utility services, and now it is enough to insert plastic into the terminal and carry out the necessary expenditure operations, and upon completion of the procedure, receive a check that replaces the receipt of payment.
However, like any other invention, in the early stages, acquiring was quite simple and had a small set of functions. Many entrepreneurs were just thinking about acquiring, and only the most advanced companies knew what it was.
The beginning of accepting cards for payment is associated with the removal of the so-called slip, that is, a paper slip with details. At first, the use of such a system was unsafe - the lack of communication with the bank made it impossible to check whether the client had enough money on his account. If the purchase was expensive, the cashier could call the bank to make sure that the customer had the required amount. The advent of special electronic devices that establish communication with the bank has increased security and simplified the work of making payments.
Acquiring is a bank service that provides comprehensive services to an organization for payments using payment cards. The full service includes technological, settlement and information support.
The use of the acquiring system provides for preliminary preparation and further servicing of payments. First of all, the organization enters into an agreement with a financial structure offering acquiring services. Within the framework of this cooperation, the acquirer is a bank that owns payment terminals that are installed in shops and other payment points (restaurants, gas stations, cafes, etc.). If it is necessary to ensure the connection of accepting cards with cash registers, PIN-pads are installed at points of sale.
The plastic product issued by the bank represents the key to the payer's account. One of the hallmarks of a competitive financial institution is the emission of plastic. Thanks to the connection to international payment systems, it became possible to accept cards in other countries of the world, if the issuer is a member of this system. You can find out which system the customer card belongs to by the logo printed on the front side of the plastic. The most famous payment systems in Russia are Visa, MasterCard. Recently, the use of its own payment system called "Mir" has been actively introduced.
Each organization engaged in trade or service provision, connecting to acquiring services, carries out activities to install special equipment and organize its work through participants in payment systems. As a result of close cooperation with acquiring banks, the process of cashless shopping in stores has become simple and safe.
Features of the acquirer services
To ensure stable operation, the organization signs a special acquiring agreement. According to the terms of the agreement, the acquiring bank installs POS terminals and provides software support.
The list of the bank's obligations includes:
- provision of technological equipment (free installation, rent, purchase option);
- setting up work on accepting bank plastic for receiving payments;
- work on training cashiers to accept and service card transactions;
- provision of consumables;
- routine maintenance;
- Information support.
For its part, the organization must also fulfill its obligations to the bank.
As technology develops, the list of types of services available is expanding:
- merchant acquiring;
- mobile;
- exchange;
- internet acquiring.
The organization independently determines the types of acquiring it needs to develop its business.
The use of POS terminals is provided for the implementation of expense and return transactions. As a result of payment by card, the funds are sent to the seller to his account with the simultaneous deduction of the commission established under the contract.
The service rate and possible restrictions are tied to the amount of funds in the organization's trade turnover.
The trading variety is ranked among the most popular, providing non-cash transactions in stores of any type. Terminals for accepting cards can be found in most stores retail products, equipment, building materials, spare parts, etc. There are no restrictions on the types of activities of the organization. Trade acquiring is successfully used by companies Catering(cafes, restaurants, etc.), gas stations, etc. Any newly opened or operating large network in mandatory organizes the acceptance of non-cash payments, since the success of any enterprise is directly related to the provision and increase of comfort to the buyer.
The acquiring bank service is not free for the organization. Each transaction for non-cash receipt of funds entails a write-off in favor of the financial structure of a certain percentage of the amount (usually in the range of 1.5-2.5%).
This view is intended for users of mobile devices. Payment transactions are performed using smartphones, eliminating the requirement to be tied to a point of sale. In fact, it is possible to equip each employee with terminals, including those who work remotely. You no longer need to link the terminal to a specific cash register. Moreover, the seller or courier can deliver it to the buyer's home and pay on the spot.
A high degree of comfort requires an additional payment for acquiring services. As a result, the use of mini-terminals costs a commission of 2.5–3% of the amount of the payment.
The method in which payment is made for the goods in favor of the online store is called Internet acquiring. Network access is required to receive payment. No additional devices or applications are provided.
In fact, any Internet user who has bank plastic can make debit transactions provided with a high level of protection by an intermediary structure. The intermediary company collects and sends information in both directions - to the bank and the seller.
The particular convenience of the acquiring system is associated with the availability of almost any online trading platform with a special interface. The buyer makes a few clicks from the comfort of his home to order and pay for the product. For payment, not only plastic of the bank is accepted, but also other sources of electronic payment systems.
The absence of the need for additional equipment and maintenance costs is combined with increased fees charged by banks. As a result, from total amount payments are debited on average up to 6%. This is the price to pay for a high degree of protection against the actions of Internet scammers and hackers.
The directions for the implementation of this acquiring have practically no restrictions - any product, service, order can be paid through the network (goods, utility bills, payment for communications, fines and much more), which increases the company's turnover.
The leading position in popularity is occupied by ATM acquiring of bank cards, which is familiar to every plastic owner. There are practically no organizations left that pay wages in cash. When a new employee is hired, a card must be issued, to which funds will be transferred from the company in the future. In the future, the employee receives cash using ATMs installed everywhere.
To receive cash, you need to insert the plastic issued by the bank into the card reader and enter the security code. Working to the opening menus, the plastic holder selects the amount required for dispensing. If there are enough funds in the client's account, the operation is successfully completed.
Please note that cards issued different banks, must be served in the terminals of a particular bank. Otherwise, the client will be charged a commission for the services. third party bank... The settlement is carried out in a similar way abroad. Each withdrawal entails a commission write-off.
The choice of the acquiring bank is of great importance, affecting the work of the entire organization. Before deciding on a particular acquirer, you need to study the proposed conditions and perform a number of actions:
- Study of the equipment that the bank equips. The speed and safety of operations depends on the technical capabilities of the devices and the programs used. As a rule, the bank offers the use of POS terminals, imprinters, processing centers, cash registers, PIN-pads.
- Selecting the type of connection with the bank. The speed of payment depends on it. In the case of active spending operations, faster communication options are chosen: Ethernet, Wi-Fi. In this case, the operation is completed within 3 seconds. The use of GPRS communication entails additional expenses for operator services according to the established tariff.
- Choosing a payment system. Each acquirer works with a specific payment system, the terms of service for cards may vary depending on the choice of the organization.
- It is necessary to carefully study the terms of cooperation established by the agreement before signing. Particular attention is paid to the points of obligations and rights of the client. If later it turns out that any of the bank's requirements has been violated, there is a great risk of litigation and subsequent troubles.
- When choosing a bank, attention is paid to the breadth of the range of services provided and the quality of work. The main types of acquirer service is the installation and maintenance of the equipment provided. Provides instruction on how to work with devices for receiving cards.
- Service tariffs. The payment for the provided service looks like a commission. The amount of interest charged for each transaction may differ primarily depending on the turnover, the volume of operations carried out by the organization. The cost of services is also influenced by the possibility of licensed operations, specialization of activities, and the presence of a processing center.
The advantages and special comfort of acquiring were appreciated by all users of banking plastic. With its help, all payments are made faster and more conveniently. If, when paying in cash at the checkout, the presence of small bargaining chips, then work on cards relieves of problems with change.
Cashless payments have a number of indisputable advantages compared to cash transactions:
- The organization reduces the risk of receiving counterfeit bills.
- Making a transaction through high-speed communication is faster than recounting money at the checkout and looking for change.
- The need for the services of collectors is significantly lower, which leads to cost savings for the organization.
- When issuing change in cash, the chances of making a mistake are quite high, while accepting cards excludes the possibility of shortcuts.
- It has been found that a customer who pays with a credit card is more willing to part with the funds, and the amount of the check is greater than when shopping for cash. Statistics show that plastic owners are more likely to make unjustified and spontaneous purchases, while a person who buys for cash limits the amount and list of purchased goods. The difference can be up to one third of the average check in the store.
Despite the presence of pronounced advantages, the use of acquiring has its drawbacks, which must be taken into account when organizing work on non-cash payments:
- Instability of the system. From time to time, like any other equipment, the terminal can fail, there is a server failure, as a result, buyers begin to be indignant and displeased with the inability to use the card. However, in some cases, the problem is quickly resolved by temporarily switching to cash payments (only for merchant acquiring).
- System security. Measures to improve the level of safety are constantly being taken, many banking services and specialized companies are working to improve the protection of client finances. However, scammers in the field of programming are also actively "working". As a result, you have to vigilantly monitor the defense. It is important not to allow hackers to use the personal data of customers and customers, as well as to close access to unauthorized card details.
- Working with cash requires less technical knowledge. An untrained specialist will simply not be able to conduct transactions, slowing down the work of receiving payments from customers and buyers. However, any modern trade makes increased demands on personnel in order to provide comfortable conditions for its customers.
It is difficult to imagine a successful commercial structure that would only use cash in circulation. Almost any buyer or potential client has a plastic product from a bank, which receives labor income, various government benefits, pensions, transfers of individuals. The most common application is to receive a salary on a card.
The concept of acquiring is tightly included in modern life both buyers and sellers. Cashless payments have become the most widespread phenomenon when paying utility bills, fines, and duties. When deciding on a purchase in a particular store, a person would rather prefer the institution in which it will be possible to quickly pay with the card. The absence of terminals for accepting cards for an entrepreneur means lost profits.
Even if the buyer decided to purchase in a store where there is no cashless payment, the amount of the check will be much lower.
In this regard, an organization intending to successfully develop and receive a steadily growing income must conclude an agreement with an acquirer, which, in turn, often supplements the offered package of services with additional options and benefits.
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You will learn what acquiring is, what types of acquiring are, and how to choose a bank to connect an acquiring service for a novice businessman
Hello, dear readers of the HeterBober.ru magazine! Today we will talk about such a concept as acquiring.
We will figure out how, through the use of acquiring, you can increase sales and expand the client audience.
You will also learn from what pitfalls the connection of this service for novice businessmen can protect.
Sit back more comfortably, we're getting started!
1. What is acquiring - definition and service mechanism: features of acquiring without a cash register
First, let's define the term acquiring.
Acquiring is a banking service that allows consumers to pay for a purchase using a plastic card, thereby eliminating the need to cash out funds through ATMs.
These virtual payments greatly facilitate online shopping and allow consumers to reduce the time it takes to visit their nearest store.
Acquiring for individual entrepreneurs can become a very important tool for increasing the final profit, since a buyer with a card is ready to spend more money on average by about 20% .
For example
The married couple Roman and Olga went to the supermarket to buy food. In the household chemicals department that day there was a sale and a large pack of washing powder could be purchased with a 30% discount.
To pay, Roman took a salary card, to which an advance was recently transferred. With the necessary amount of money, the couple made a unanimous decision to make such an unplanned purchase.
The algorithm of actions for carrying out an acquiring operation includes several different stages.
Below are the sequential steps for an example of operations with POS terminals:
- activation of a payment card by swiping it through the terminal;
- sending data about the cardholder for verification purposes;
- writing off a certain amount of money and transferring it to the operator's account;
- issuance of two checks - to the seller and to the client;
- the signature of the checks by the seller;
- issuance of a check from the cash desk.
An agreement on the provision of an acquiring service is concluded between a merchant acting as a client and banking institution... The equipment necessary to fulfill the terms of the drawn up contract must be provided by the bank or agent.
POS terminal is a special electronic device, through the use of which it is possible to carry out non-cash payments with a plastic card.
Such a device consists of a monitor, a system unit, a card reader, a printing device and a fiscal part.
The function of such equipment can be performed by a cash register or more compact POS terminals. Equipping and cash register is a rather expensive combination, which is more suitable for successful and already well-known companies.
It is most advisable for novice businessmen to resort to using POS terminals.
Acquiring without a cash register can be done in two ways - using a stationary or portable POS terminal, as well as through a website using bank card details. POS terminals have a SIM card, the presence of which provides communication with a banking institution.
Mobile terminals are capable of reading information from various types of cards:
- debit cards;
- credit cards;
- magnetic stripe cards;
- chip card.
There is only one requirement for such cards - the presence on the account of a sufficient amount of money necessary to pay the purchase price. Lack of communication with the bank for technical reasons can also become an obstacle to making a payment.
For example
Andrey learned from other employees that the salary will be credited to the debit card today. After the end of the working day, he went straight to the supermarket, not guessing first to check his personal account through an ATM.
During the payment operation at the checkout, the supermarket employee reported the impossibility to complete such a procedure. As it turned out, the salary had not yet arrived on the card and there were not enough funds on the account to pay for purchases. Andrei had to refuse to use the card.
Development of the acquiring market in Russia
Today, acquiring services in the Russian Federation are still in the development stage, unlike other countries, where the process of formation ended a long time ago.
Among the main reasons for the slow development of such a phenomenon are - low level financial and banking culture of the population. However, despite certain difficulties, gradually the number of issued bank cards has a steady upward trend.
2. Who and why may need an acquiring service without opening a current account
Only credit organizations can provide acquiring services without opening a current account. Not only large retail chains, but also beginner individual entrepreneurs can act as consumers.
Merchant acquiring guarantees a number of advantages:
- minimization of risks associated with the possibility of receiving counterfeit currency;
- savings on collection;
- increase in profits;
- new cooperation with more solvent clients.
Acquiring provides the buyer with the opportunity to use the funds stored on the card. He is also given the opportunity to carry out a very quick and convenient calculation during the purchase.
3. The main types of acquiring - TOP-3 popular types
Within the framework of this technology, there are three main areas - trade, mobile and Internet acquiring.
1) Merchant acquiring
These operations are carried out through special POS terminals. When this action is performed, the funds are credited to the account of the entrepreneur. At the same time, the service provider withholds a certain amount, the amount of which is determined by the financial institution.
The change in the rate and the cancellation of the limits for the operation are tightly linked to the company's turnover. We have already described this in more detail in one of our articles about.
2) Mobile acquiring
This system is primarily focused on the owners of mobile devices. Thanks to it, the option of making a payment transaction using a smartphone is possible. Mobile acquiring eliminates the need to bind to a specific outlet and allows you to equip all employees of the company with terminals - even those who work outside the office.
3) Internet acquiring
This type of acquiring allows you to replace goods for money in any online store. Online payment for purchases through a card does not imply the use of special applications and additional equipment.
To carry out the operation, it is enough to have access to the Internet. Personal data protection is provided by an intermediary company that specializes in collecting information and then sending it to the bank and the seller.
Acquiring on the site allows you to simultaneously use a huge number of processes. In this case, the user is given the opportunity to complete the purchase with a few clicks. You can read about all this in our separate article.
You can clearly see the work of acquiring in the diagram below:
4. How to choose a bank to activate the acquiring service - 7 practical tips from an expert to a beginner
When choosing a bank that can take over the functions of an acquirer, you should be as careful as possible. Beforehand, you should carefully study the terms of acquiring that a particular financial institution offers.
And only after comparing with the conditions of other banks, it is necessary to make a final decision.
Tip 1. Find out what equipment the bank provides
Special equipment and software affect the speed and safety of settlements when using the card.
Possible options for the equipment used are as follows:
- POS terminals;
- imprinters;
- processing centers;
- cash registers;
- PinPad.
The most cost-effective and efficient solution is to install POS terminals. The use of cash registers can be associated with additional financial burdens. PinPad refers to a special panel for entering a security code.
Advice 2. Pay attention to the type of connection between the acquiring terminal and the bank used
The type of connection between the acquiring terminal and the bank used determines the speed of the transaction. There are several different ways in which a request for withdrawing funds from a card occurs - dial-up, GSM, GPRS, Ethernet, Wi-Fi.
When using Ethernet and Wi-Fi communication, the response comes within 1-3 seconds. Technically fast methods also include dial-up and GPRS. The latter type of communication is additionally subject to operator tariffs.
Tip 3. Ask what payment systems the bank works with
Specific banks interact with specific payment systems. It can be very profitable for an enterprise to service cards for customers with different income levels. Thanks to this, the consumer audience will have a steady tendency to expand.
Tip 4. Carefully study the acquiring agreement
The acquiring agreement contains all the main points of the relationship between the supplier and the consumer of services. To avoid unpleasant surprises with further cooperation, you must very carefully study your rights and obligations to the acquirer.
In case of non-fulfillment by the latter of its direct obligations, it is possible to apply to the courts. The agreement in this context will be the main subject of the case.
The level of service provided has a direct impact on the final cost of acquiring. Among the possible services, it should be noted the installation and further maintenance of equipment.
When conducting a briefing, employees of your company should receive answers to the following questions:
- basic principles of equipment operation;
- classification of details and cards;
- sequence of customer service procedures;
- training in the process of authorization revocation;
- registration of the return of the purchase;
- determining the authenticity of the card.
On a note
The ideal situation would be in which the bank's technical staff could repair and replace equipment around the clock, seven days a week.
This approach is a sign of professionalism and confirms the high level of qualifications of the service provider.
Real life example
Entrepreneur Alexey has signed a cooperation agreement with an acquiring bank. After a short period of time, an emergency situation arose in Alexey's store - for technical reasons, the connection between the POS terminal and the bank was disrupted.
After receiving notification of this problem, the technical support staff eliminated the existing problems as soon as possible. As a result, Alexey did not lose his clients and his reputation as an individual entrepreneur was not tarnished.
Tip 6. Review the financial terms of service
A very important financial condition that you should pay attention to is the period of compensation for the income of the company. Funds are transferred to the company's account in an interval equivalent to 1-3 calendar days.
It is also necessary to estimate the approximate amount of expenses incurred by the company for using the acquiring service. The final figure will be formed taking into account the combination of various factors - equipment installation, service connection, equipment rental, repair work (if necessary).
Acquiring tariffs are presented as interest rate from the cost of a product or service. This fee is charged for each transaction.
Tariffs for the fact of using such a service are formed depending on the turnover of the enterprise, the field of activity of the organization, the presence or absence of a license to conduct operations and its own processing center.
To calculate the individual commission, use the Main Mine service. It allows you to calculate and compare tariffs for merchant acquiring for 30 most popular banks and services at once.
5. TOP-9 banks providing acquiring services
For comparison, you can study the rates for merchant acquiring, which are offered by various financial institutions. This information can be found below.
The tariffs of popular banks for the provision of acquiring services are presented in the table below:
№ Bank's name % rate (of the purchase price) Equipment cost (monthly) 1 Alfa Bank 2,5-3% 1850 rubles 2 Sberbank of Russia 0,5-2,2% 1700-2200 rubles 3 VTB 24 From 1.6% 1600 rubles 4 Gazprombank 1,5-2% 1750 rubles 5 UralSibbank From 2.5% 1600-2400 rubles 6 Raiffeisenbank 3,2% 7 Bank opening 1,6-2,6% 2350 rubles 8 Tinkoff Bank 2-3,5% 1900-2300 rubles 9 Russian Standard Bank 1,7-2,5% Depends on the type of service software Enough profitable terms Acquiring services are offered by Otkritie Bank. The value of the interest rate here will vary from 1.6 to 2.6%, which will be charged for each transaction.
Other banking organization offer no less favorable conditions. The monthly cost of providing hardware will largely depend on the number of workplaces at the point of sale and the type of software supported.
6. Acquiring - pros and cons: an overview of the advantages and disadvantages
Acquiring is a fairly profitable service for both parties. The buyer gets the opportunity to carry out the calculation when making a purchase as soon as possible.
You can track the movement of spent funds using a check issued by the cashier at the end of the operation.
Through acquiring, point-of-sale owners can increase their sales and reach a wider customer audience. The likelihood of receiving counterfeit funds is completely excluded.
Insert the card into payment terminal, we type the pin-code, we see the inscription: "Successful", a check comes out of the cash register - the payment is complete! This is exactly what the acquiring procedure looks like from the buyer's side. But this is just the tip of the iceberg. We will talk in this article about what acquiring is, how it works, how you can connect such a service, who provides it and what nuances you should know when concluding an agreement on accepting payments using a bank card.
What is acquiring
The term “acquiring” comes from the English “acquire” - to receive, to acquire. It is understood as an opportunity for a commercial enterprise to accept non-cash payments for goods and services with plastic cards. Also, the concept of acquiring includes banking and technological services - the transfer and processing of customer data.
On the territory of the Russian Federation, the first bank cards began to be accepted for payment 40 years ago. The "plastic" of the Diners Club payment system could be used to pay in the shops of the Beryozka system in Moscow and Leningrad - it is clear that only foreigners used this acquiring. For everyday payments at the Winter Olympics in Calgary in 1988, athletes of the USSR national team were given Visa cards with a set limit. And already in the early 90s of the last century, several banks in the Russian Federation offered real MasterCard to their clients. It was then that the first points appeared where cards were accepted as a means of payment.
Who is involved in acquiring
Several entities are involved in the acquiring procedure.
Trade point- an organization that sells goods or services, initiator of acquiring connection. Pays commission for using acquiring.
Acquiring bank- a credit institution in which the seller is open and which provides equipment for acquiring. Such a bank must be registered in an international payment system (Visa, MasterCard or any other accredited in the Russian Federation - for example, Mir). He is responsible for the technical side of card purchases and receives a commission from the seller.
Issuing bank- a credit institution that issues bank cards, payments from which are accepted by terminals. Bears full responsibility for the correctness of settlements with the client as part of the purchase procedure using a bank card.
Customer- the buyer, the owner of a bank card obtained from the issuing bank.
The most often used equipment for acquiring is (from the English point of sale - "point of sale") - electronic devices for accepting plastic cards. We all come across these in supermarkets. The terminal has a card reader, a keyboard and a block for printing receipts. Read about other options for acquiring technology below.
Acquiring: how it works
For the buyer, the use of the acquiring system is free. The costs are entirely borne by the seller. Therefore, the connection of acquiring begins with the conclusion of an agreement between the outlet (or retail network) and the bank. Under this agreement, a credit institution (in this case, it is called an acquirer) leases or sells equipment to the firm, as well as a package of services. It usually includes:
- setting up hardware software (the full set of settings depends on the type of acquiring: in the case of POS terminals, these are solutions for devices, and when setting up Internet acquiring, these are purely software methods);
- training of personnel to work with equipment and / or software. Along with a set of normal operations in trainings, force majeure is worked out: equipment failure, purchase cancellation, and so on;
- providing a sales outlet with consumables (paper for checks, etc.);
- connection of a point of sale to round-the-clock help support and technical service.
In turn, the owner of the outlet is obliged to comply with the following conditions:
- Place equipment (terminals, wi-fi routers, etc.) in places that provide regulatory operation and access for customers (in the case of terminals) and service personnel.
- Ensure acceptance of payments through installed terminals or the functionality of the site in the case of Internet acquiring.
- In the event of a malfunction, notify the owner of the equipment immediately.
By inserting or attaching the card to the payment terminal, we send the information to the bank's processing center, which transferred the equipment to the outlet. The latter transmits data to the payment system to which the card belongs. In the data center, the information is checked against the so-called "stop list" (checking for card blocking, account functioning, arrests, etc.). If violations are detected, the user is denied the transaction. If approved, the data is sent to the bank that issued the card. Here is the authorization of the card and one more check for the presence of a sufficient balance, the absence of signs of fraud (whether the buyer is using stolen data), the coincidence of the pin code, etc. Based on this data, a positive or negative response to the transaction is generated. The answer is sent to the bank that owns the payment terminal. If the answer is yes, the payment is allowed, and the terminal displays the inscriptions "Successful" and "You can take the card". All this takes literally a few seconds.
The real payment from the bank that owns the terminal to the bank that issued the card will take place within a few days. For this period, funds are frozen. The acquiring bank transfers money to the point of sale where the sale was carried out in 1-3 days (this period is indicated in the agreement). Then the supporting documents about the financial transaction go to the bank that issued the card, after which they are debited from the buyer's account with the issuing bank to the account of the acquiring bank.
In a simplified form, a transaction can be represented as follows:
How much does acquiring cost?
Payment for purchases with a bank card is free for the client of the outlet. But the seller pays a commission for it. For each transaction, the acquirer takes on average 2-3% of the purchase price. What are these numbers composed of?
According to the agreement concluded between the seller and the acquiring bank, the commission for a purchase with a card has three components:
1 Commission of the bank that issued the card (the so-called "interchange fee" - Interchange Fee).
Its size is determined by payment systems and depends on the location of the banks participating in the acquiring. If both are in the same country, the commission will be less than if the issuing bank is Russian and the acquirer is, say, European. Also, the percentage depends on how secure the payment is. If an additional security protocol is involved (for example, 3D Secure), the commission will be lower. When buying via the Internet, the commission is higher than when paying with a card through a POS terminal.
There is also a dependence on the type of store. At grocery outlets, the commission is lower than, for example, at those selling large household appliances. The reason is the likelihood of the return of the goods and, as a consequence, the need to carry out a "reverse" acquiring operation - to return the money to the card to the buyer. If in the case of food this is a rarity, then the returned top-end 120-centimeter TV leads to the need to distill back a fairly large amount.
Also, the type of the client's card affects the size of the commission. The more status the payment means, the more expensive the purchase is - however, for the acquirer, and not for the buyer. The most "expensive" ones are gold and cards with personal conditions. On a credit card, the commission is higher than on a debit card. This, in particular, is the basis of the strategy of Tinkoff Bank: the direction of credit cards is actively developing, and even standard ones have the Platinum status.
And, of course, the commission percentage depends on the company's turnover. The basic figures are written in the contract and then adjusted in case of deviation from the initially assumed values.
2 Commission of the acquiring bank.
It is appointed by the bank itself, it can be any. Due to this component, credit organizations usually conduct various actions to attract clients-legal entities and individual entrepreneurs. Below you will find a comparison table with fees and other payments of the 10 most popular banks that provide acquiring services.
3 Payment system commission.
The share of this component is small, international payment systems live off volumes. The commission is fixed, depends on the number of transactions per unit of time (for example, per month), can be charged both from the acquirer and from the issuer.
The most common types of acquiring
The following 4 types of acquiring are most popular in the Russian economy:
1 Merchant acquiring
This concept includes all terminals in retail outlets through which the buyer pays with a bank card: shops, cafes, cinemas, gas stations, and so on. After the owner of the outlet enters into an agreement with the acquiring bank, he is provided (on the terms of the bank) a POS terminal - one or more. The terminal can be rented, or bought: the difference in cost is about tenfold.
2
This type of acquiring has become widespread with the development of online commerce. It includes all purchases in online stores using a bank card or electronic money. There is no terminal in physical terms here, a special computer program is used. The web interface makes it possible to pay for the purchase, keeping personal and especially payment data confidential. For this, encrypted data exchange protocols are used, which are provided by processing companies. Their services are not free: the seller's commission with this method can be up to 5% or more.
3 Mobile acquiring
For certain types business, as well as for retail outlets with low turnover and when paying by cards at the exit (taxis, couriers, off-site sales of goods and services) there is a technology for transferring money through mobile POS terminals. They are controlled from smartphones through special mobile applications... There are a number of similar services in the world: Pay Me, iPay, SimplePay, LifePay, ibox, Paybyway and others. They are distinguished by a higher commission, but they also have significant advantages for small and medium-sized businesses: a full-fledged acquiring can be organized from scratch at relatively low costs.
4 ATM acquiring
Terminals and ATMs with the ability to pay for certain services are also a kind of acquiring.
What are the benefits of acquiring
The ability to accept payment by cards is a sign of the "maturity" of the business, its seriousness. The buyer trusts such points of sale. In addition, marketers have long noticed that it is psychologically easier for a client to spend money by bank transfer. It is estimated that in the same store the average bill when paying with a card is about 10% higher than when paying with real money. There are other advantages to using acquiring as well.
- Reduced collection costs
It is how about financial costs, and about the absence of the need to go with cash to the bank or look for a terminal with a collection function, that is, about saving time. It should be borne in mind that part of the freed up funds will go towards paying the commission, however, with serious turnover and a correctly selected tariff, this is an insignificant factor.
- Cash Fraud Protection
Theoretically, a counterfeit bill can be “sold” to a seller, even if there is a banknote detector. You can't pay off a card with counterfeit money.
- Increase in the average purchase amount
If there is a terminal in the store, the range of buyers expands significantly, since it becomes possible to use credit cards. According to the Central Bank of the Russian Federation, as of January 1, 2018, 31.6 million credit cards are considered valid in the country. A big plus for buyers is cashback, bonuses and other loyalty programs, which are often used by both banks and shops.
- Improving the quality of customer service
First of all, we are talking about change - when paying with a bank card, there is no need to look for it, there is no need to ask the client to add the amount to a round one in order to return with one bill. Also, if there are competent personnel at the outlet, the process of servicing each customer is accelerated.
- Attraction of new clients
Relevant for shopping centers with rented space, as well as for certain market segments. It is clear that in the presence of a payment terminal, it is a matter of technology to lure customers away from those who do not have such a terminal.
What are the disadvantages of acquiring
Despite the obvious benefits, this service is not suitable for everyone. Among the negative aspects, the following can be noted:
- High associated costs at low turnover. If the firm's profit from customers with bank cards is small, you need to be more careful in the process of calculating the benefits from acquiring. You may be spending more on it than you receive.
- Periodically arising technical problems in the operation of the system. Many have probably had to deal with the fact that "the bank does not answer" and cards are not accepted for payment. If such situations are repeated often, it seriously undermines the reputation of the outlet.
- Possible cases of fraud. The acquiring system is designed in such a way that in case of fraud with bank card details and the subsequent blocking of the operation, the merchant compensates for the loss to the cardholder. And the seller will be reimbursed for damage if law enforcement agencies catch the fraudster. Unfortunately, this does not happen often.
Choosing the most profitable acquiring
Almost every major bank offers acquiring services. However, this option is not always beneficial for a particular type of business. Before connecting to the program, you need to analyze all the offered conditions and choose the most suitable ones. Let's highlight the most important factors.
1 Type and cost of equipment offered by the bank.
The size of the initial investment and maintenance costs depends on the type of equipment. Now there are 3 variants of devices for payments with cards on the market:
The terminals are traditional and familiar to most Russians. The most common models are from Verifone and Ingenico. Such devices are equipped with a thermal printer for printing receipts, have a communication module (either Ethernet, or WiFi, sometimes GPRS). Some of these devices are equipped with a remote keyboard (PinPad) for entering a pin code. The simplest pos-terminals cost around 7-8 thousand rubles. Average prices for Verifone devices, which we are used to seeing in stores and banks, are 15-20 thousand rubles apiece.
- Imprinters
The predecessor of POS terminals, it is now used mainly for safety net in case of communication failures. Identification takes place by taking an imprint of the card, authorization is carried out by the cashier by phone.
- Cash registers with acquiring function
Since since mid-2017, all trade organizations using acquiring must confirm each purchase with a cash register receipt, and also transmit this information to the tax office, cash registers with the function of accepting cards are in demand. Their cost is higher than that of POS terminals, but they significantly automate the acquiring process. Touch terminals with the functionality of full-fledged cash registers are sold from 40 thousand rubles per unit.
2 Type of communication between the equipment and the bank
There are several communication options. The most advanced and convenient is Wi-Fi: the terminal communicates with the bank via wireless channels. Wired Ethernet is also widely used and is the most reliable method. In some places, GPRS and even the Old Testament dial-up are still preserved - these are the most expensive and slowest types of communication now. However, the 48-bit modem is considered one of the most secure communication methods.
The specific type of communication is usually offered by the bank itself and depends on the provider and the technical capabilities of the equipment.
3 Payment systems with which the bank interacts
Each bank has its own priorities for interaction with certain international payment systems (MPS). The wider their range, the more profitable acquiring will be. The largest MPS are now Visa International and MasterCard Worldwide, as well as American Express and Diners Club, which are less used in Russia. Also in modern Russia, the possibility of servicing the cards of the national payment system "Mir", which appeared after the imposition of sanctions in 2014, is of significant importance. MIR is inferior in the number of users to such MPS as Visa and Mastercard, nevertheless, all civil servants and employees of budgetary organizations are obliged to switch to using MIR cards. And in the near future, this domestic system will crowd out foreign ones, or, at least, will significantly squeeze them out on the market.
4 Text of the acquiring agreement
The agreement for the provision of acquiring services must reflect all the essential conditions for interaction between the bank and the outlet. Let us consider in more detail the mutual rights and obligations, which are necessarily listed in the text.
Obligations of the bank:
- Install hardware
- Conduct employee training (both initial and after significant updates software products or communication protocols)
- Ensure uninterrupted operation of terminals, round-the-clock technical support
- Funds on the seller's account must be received strictly within the time period stipulated in the contract.
Bank rights:
- Charge a commission for the provision of an acquiring service
- To unilaterally amend the terms of service (if these changes are timely published on the official website of the credit institution)
- Return money to the buyer for erroneous payments
- Terminate cooperation when the turnover of the selling company decreases below the mark specified in the contract
Obligations of the seller:
- Install hardware and / or software and start serving customers' bank cards
- Pay the commission specified in the contract
- Do not use equipment in acquiring transactions that was not provided by the bank with which the agreement was concluded
- Comply with the terms of the agreement with the bank
Rights of the seller company
An important part of the acquiring agreement is the annexes to it. They contain full instructions on the use of the equipment, the used payment systems, possible causes of errors and rejection of operations, all contacts of technical and information support services, and so on are indicated.
Failure to comply with the contract by the seller may result in the immediate disconnection of acquiring.
5 Quality of service of the acquiring bank
Much depends on the seriousness of the bank's attitude to its obligations under the contract. The most important aspect- the quality of training of the personnel of the selling company. The briefing should contain information on at least the following points:
- Operating rules for acquiring equipment
- Customer service procedure
- Types and types of bank cards, the difference between them when servicing, identification of counterfeit cards
- Authorization revocation procedure
- Purchase return process
Also, the quality of the service is evidenced by the willingness of the acquirer to provide technical support around the clock, 7 days a week.
6
The parameter that most seriously affects the stability of the business is the term for transferring funds from the account of the acquiring bank to the account of the seller. Usually this period is 1-3 days, depending on the type of acquiring, available equipment, processing center and geographic location of the bank.
And it goes without saying that before concluding a contract, it is necessary to assess the probable costs of acquiring, taking into account all the components: the cost of equipment, fees for services, the cost of maintenance.
The tariff for using acquiring can be either standard or individual. In the second case, the specifics of the organization - the seller are taken into account: the size of the turnover, the field of activity, and so on.
Tariffs of the 10 most popular banks for acquiring services
Bank | Commission of the bank (%) | Equipment payment (rub / month) | Peculiarities |
Sberbank | 0,5%-2% | 1700 – 2200 | Commission when using Sberbank Maestro cards or Sberbank Visa Electron is lower than when using third-party Visa Maestro MasterCard and others. |
VTB | From 1.6% | V individually | Along with traditional payment systems for the Russian Federation (including "Mir"), American Express and UnionPay International cards are accepted for payment. |
Alfa Bank | 2.5-3% (for merchant acquiring most often - 2.75%, for Internet acquiring in most cases - 2.5-2.75%) | 1850 Purchase - from 7700 rubles / one POS terminal. | For acquiring without opening a p / account, tariffs are determined individually (depending on the turnover and the documents provided) |
Raiffeisenbank | 1,89 – 2,19% | From 990 rub. (the minimum tariff is for renting a device with a dial-up connection type) | It is possible to activate participation in the bank's discount program when connecting an acquiring |
Tinkoff | 1,6-3% | 1990-3990 Acquisition: 18,500 - 19500 rubles / terminal | The commission decreases when purchasing a package of services, while the cost of the monthly payment increases |
Promsvyazbank | 1.1% -1.8% (depending on the scope of use; the lowest commission is payments to government agencies and fast food) | By agreement with the bank | Use of all leading international payment systems (VISA International, Mastercard Worldwide, American Express, Union Pay) and Mir |
Uralsib | 1,65-2,6% | From 2600 rubles (service fee; no fee is charged for rent) | Visa and MasterCard only |
Point | 1,3%-3,5% | From 975 | Individual commission for Internet acquiring at high turnovers |
Vanguard | 1.7-2.2% for merchant acquiring; 2-3.5% for Internet acquiring | 200 – 950 | After 49 months of lease, the terminal becomes the property of the outlet. |
Russian standard | 1,8-3,5% | Purchase: from 13500 rubles / terminal | It is possible to arrange acquiring without visiting the bank office |
Acquiring connection procedure
Having chosen the conditions you like, the seller sends an application to the bank. The easiest way to do this is directly on the lending institution's website. Then the bank manager will contact you to clarify the details of the service. After that, you will need to collect documents. A list of them is usually found on the bank's website.
Minimum package:
- passport of the representative of the selling company (or individual entrepreneur), power of attorney, if necessary
- certificate of state registration of an individual entrepreneur or legal entity;
- certificate of registration with the tax office;
- a certificate with the details of the current account from the bank (not necessarily the one with which it is planned to conclude an acquiring agreement);
- card of samples of signatures and seals.
Also banks can request balance sheet for the previous period, licenses (if the type of activity is licensed) and other documents.
After that, an acquiring agreement is concluded. Then there is a choice of equipment for rent or purchase. The selected equipment is installed and configured by a bank representative. Then you can start accepting payments using bank cards.
Acquiring security
Merchant acquiring is considered the safest: the equipment ensures high reliability of data protection. The terminal is directly connected to the processing center, it is almost impossible to intercept the data.
The least secure is mobile acquiring. Due to the need to use a smartphone (and such devices work on the Internet through relatively weakly secure channels), information about bank card data can theoretically be intercepted. That is why most often the bank puts restrictions on the amount that can be paid using mobile acquiring.
Banks use software installed in processing centers to protect data. A special data encryption protocol is also required when transferring information from the terminal (or from the corresponding page of the site for Internet acquiring) to the bank's server.
There are other methods of protection that the recipient of acquiring services can use on a voluntary basis for a fee, thereby increasing the attractiveness of their business in the eyes of customers.
FAQ
I have an account with one bank, and best conditions on acquiring - in another. Can I use acquiring without opening an account?
Merchant acquiring is provided only if you have a current account with a bank, so you cannot get this service without opening an account at all. However, if you have an account with another bank, then nothing prevents you from becoming an acquiring client in a “foreign” credit institution. But it should be borne in mind that the passage of funds through two banks is additional commissions and a longer period for crediting money to the account.
But Internet acquiring allows the possibility of accepting funds from bank cards without opening an account. This service is the provision of a non-cash transfer of money from the buyer's bank card to the seller's account (including personal). Another thing is that banks do not provide such services; Sberbank or VTB24 will immediately show you the door. There are special services that act as intermediaries between sellers-individual entrepreneurs and banks: PayAnyWay, Uniteller, Coolpay, Evotor and others. They enter into acquiring agreements with banks as legal entities and provide their facilities to the owners of online stores. An individual entrepreneur can open an online store and use the services of such a service even without opening an account. But paying taxes in cash is the last century, so it's better to have an account after all.
What is more profitable: buy a terminal or rent it?
There is no definite answer to this question, each option has its pros and cons, and each option may be preferable in different cases. Many banks offer their terminal installation and maintenance free of charge. In this case, the commission will be higher than when using the seller's own device.
Also, when using rental equipment, the bank sets requirements for the turnover. For example, if a monthly purchase from you is less than 100 thousand rubles, the commission percentage rises by 0.5%. For purchases of less than 50 thousand, the bank terminates the contract. It is very inconvenient for seasonal business or forced breaks.
Buying terminals in ownership requires a serious one-time investment (especially if several devices are needed). Also, the devices will have to be reflashed to the requirements of a particular bank, this is also not free (the amount is comparable to a monthly terminal rental at Sberbank or VTB24). But in the future, you will not be limited by the requirements for turnover, and the percentage of commission in many banks will be lower.
Do I need to punch checks when using Internet acquiring? They won't go anywhere anyway, they can't be sent by mail!
Law No. 54-FZ requires the seller to issue a sales receipt to the buyer for any purchase. But there is one caveat. If we are talking about Internet acquiring, in the case of payment by bank card, an electronic receipt becomes a confirming document. It is taken into account as an official document in the preparation of accounting and tax reporting, and is also the basis for the return of goods ("Rules for the sale of goods by remote means", RF government decree No. 612 of 09/27/2007). An electronic receipt is usually sent to the customer automatically to the email address provided on the product order form.
Can the bank refuse to conclude an acquiring agreement?
Credit organizations very rarely refuse clients an acquiring agreement. For a bank, this is a rather profitable service, therefore, partners are treated loyally. Alfa-Bank claims that the client attraction policy regulates the active attraction of companies that meet the bank's requirements to use acquiring. They usually refuse to those who came on their own initiative and do not look very good in the eyes of the bank in terms of reporting and reputation.
The Ural Bank for Reconstruction and Development, according to its press service, refuses those wishing to organize acquiring in about 5-6% of cases. Refusals are much more common in the field of Internet acquiring (up to 12%).
Most often, the bank "kicks" the client if he has a bad business reputation or has doubts about the legality of the business. Also, the bank's security service checks the management of the applicant company for the presence of past facts of criminal prosecution for economic crimes. If we are talking about Internet acquiring, then an incorrectly designed website of an online store may become an additional reason for refusal.
A representative of one of the banks told a story that many financial institutions call typical. The bank signed an agreement with a leasing company that provides cars for use. However, after a while, large sums began to flow to the company's accounts from the cards of individuals, which were then withdrawn from the account. The audit showed that the company actually took loans from individuals without "a pronounced desire to return them." The acquiring agreement was terminated.
Bank "Avangard" refuses Internet acquiring, if there is no confirmation of the actual operation of the online store - the site is not updated, there are no signs of customer activity.
Credit Bank of Moscow fundamentally does not cooperate with organizations that sell "pirated" products.
What should be the site of an online store for the bank to provide online acquiring without any problems?
The requirements of payment systems for the content of the site are as follows:
- The portal must contain contact information, namely: the seller's details, address, phone number (better if stationary).
- The online store must provide a description of goods and services sufficient for the consumer to make an informed choice. In this case, financiers are not worried about the convenience of the consumer, but about minimizing the return of goods due to circumstances not related to the quality of the products.
- detailed instructions for payment with the logos of the payment systems used.
- Details of the possibility of canceling the order or returning the product of proper quality (you must also list the products that cannot be returned to the seller if they do not have signs of defects).
- Information about the delivery of goods.
- In the absence of even one of the listed items, the bank may refuse to use Internet acquiring or transfer your business to the category of "increased risks" and increase the commission.
I want to thoroughly understand acquiring so that I can talk to the bank prepared, and not be trapped in the future. What legal acts govern acquiring?
To fully familiarize yourself with all the legislative subtleties that govern acquiring, you should read the following documents:
- the federal law"About banks and banking"(No. 395-1 dated 02.12.1990).
- Federal Law "On the use of cash registers in the implementation of cash settlements and (or) settlements using payment cards" (No. 54-FZ of 22.05.2003).
- Federal Law "On Communications" (No. 126-ФЗ dated 07.07.2003).
- Federal Law "On Personal Data" (No. 152-ФЗ dated July 27, 2006).
- Federal Law “On Information, Information Technologies and Information Protection” (No. 149-FZ dated 27.07.2006).
- Federal Law "On electronic signature"(No. 63-FZ dated 06.04.2011).
- Federal Law "On the National Payment System" (No. 161-ФЗ dated June 27, 2011).
- "Regulations on the registration and use of cash registers used by organizations and individual entrepreneurs" (Resolution of the Government of the Russian Federation No. 470 of 23.07.2007).
- Resolution of the Government of the Russian Federation "On approval of the Rules for the sale of goods by remote means" (No. 612 of September 27, 2007).
- "Regulation of the Central Bank of the Russian Federation on the issue of bank cards and on transactions performed using payment cards" (No. 266-P of 12.24.2004).
- "On the return of funds for a product (service) previously paid using a payment card" (Letter of the Central Bank of the Russian Federation No. 112-T dated 01.08.2011).
- Letter of the Federal Tax Service of the Russian Federation “On cash equipment and cards. On refunds to the card "(No. 30-08 / 1/43844 of 13.09.2000).
- Letter of the Federal Tax Service of the Russian Federation for Moscow "On the right of an organization not to reflect in the cash book the part received as a result of settlement with it with plastic cards" (No. 09-24 / 038509 of 05/11/2006).
- Letter of the Ministry of Taxes and Duties "On cash equipment and cards" (No. 29-12 / 41320 of 23.07.2003).
Conclusion
Acquiring or accepting payments for purchases from bank cards is a logical solution for a growing business. Using this tool allows you to expand your clientele, simplify service procedures and ultimately increase. Almost everyone offers an acquiring service large banks countries and a number of non-banking organizations.
To correctly choose a partner bank, you need to assess your turnover, compare commissions financial institutions for each operation, as well as the amount of payment for the lease of acquiring equipment. The latter can be immediately purchased into property - this will require more serious investments at the first stage, but will reduce costs in the future. The costs depend, among other things, on the type of equipment used: outdated formats with a connection via a 48-kilobit modem or GPRS are cheaper, modern wireless terminals are more expensive.
If you decide to connect Internet acquiring, be prepared for the fact that the commission will be slightly higher and the bank verification will be a little more thorough than in the case of merchant acquiring. But there is no need to buy or rent terminals, all operations take place directly in the interface of your online store website.
about the author
Professional journalist with experience. I like to understand complex financial matters and convey them to ordinary people in a simple and accessible language. My goal is to help people level up financial literacy, share with other interesting money chips and secrets so that people become richer, freer and happier.