Favorable bank for acquiring IP. Acquiring: bank rates, rating
Non-cash payments quietly replace the usual payments with banknotes and coins. According to Federal Law 112, since 2014, all trade and service organizations are required to accept bank cards for payment. 54 of the Federal Law states that from July 1, 2018, all online stores must have acquiring.
Before entrusting acquiring to the first bank you come across, learn from our article how to competently approach the issue of installation and not overpay the intermediary between you and the buyers.
Quasi-tax for convenience or terms of acquiring for individual entrepreneurs
Making purchases by non-cash payment with a card through a POS-terminal has entered the life of Russians. This is acquiring, which in translation means "acquisition".
At the Delovaya Rossiya forum in February, V. Putin expressed dissatisfaction with the size of the banks' commissions for cashless payments through acquiring terminals. In our country, this figure reaches 3% of the purchase. For comparison, all over the world, the fee to an intermediary for holding money is not higher than 0.3%. The President proposed to reduce the “quasi-tax that interferes with the economy”, but this call did not find support in the departments.
In conditions of high cash in favor of banks, an entrepreneur needs to think carefully before signing an agreement for the installation of acquiring. It is a mistake to believe that the device has the right to install only the bank in which your current account is located.
Let's look at acquiring in more detail, and also answer the question: is it possible to find a middle ground using this useful banking service.
Tariffs for acquiring: rating of banks to help individual entrepreneurs
Having a current account, you can easily connect the service of receiving non-cash payments. Most financial institutions do not put terminals on "non-native" settlement accounts. Sberbank agrees to this. And this is a big plus for those who have chosen a cheap CSC in another bank.
We offer to compare the offers of banks according to the parameters of connecting the Acquiring service:
Connection to the service |
Is free |
Is free |
Is free |
Is free |
Provision of equipment |
Purchase - 16000-27000 rubles. Rent 1500-2000 rubles / month |
Purchase - 16500 r. Installment for 12 months |
Is free |
Is free |
Commission for each transaction: |
||||
Mandatory Additional Terms |
Settlement account in Modulbank |
Settlement account at Tochka Bank |
Settlement account in Tinkoff Bank Subscription fee from 1990 rubles / month depending on turnover |
The minimum turnover for acquiring is 1000 rubles / month Current account opened in any bank |
Flashing a third-party terminal provided by the entrepreneur |
There is no charge. if no operations |
Loyalty program "Thank you from Sberbank" |
Transaction fees vary between 1.9% and 2.7%. Banks will take the highest interest for purchases on the site and for the delivery of goods.
There are few bonuses, but there are: Modulbank is loyal to the devices of entrepreneurs and is ready to reflash the software for free. Just prove that you own the device. Sberbank gives cashback to customers in the form of "Thank you" bonuses. With them, you can eat for free at Burger King or drop half the price for a pair of shoes at Kari. Dozens of services participate in the Sberbank affiliate program.
The choice of acquiring for IP
Acquiring is not limited to the ability to pay with plastic in the store. There are three types of services:
- Trade acquiring. Convenient for stationary objects: cafes, salons, shops, sales offices. Most terminals accept Visa and Mastercard cards, Mir payment system cards.
- Internet acquiring. Method of sales through online stores. The bank will help to install a button on the site, which will make your business tax-friendly and convenient for customers.
- Mobile acquiring. A portable wireless assistant is required for payments through couriers for the delivery of goods. Useful for waiters for settlements with customers in the restaurant hall.
One point can have several terminals. At the same time, you will have to pay for each device separately, according to the tariffs under the contract.
Tinkoff Bank will provide a free device, but will undertake to make payments only in a profitable place with a revenue of 300 thousand per month. Or offer to use the service of a partner bank.
"Point" and "Module" do not make such claims, because they were created to help small and micro businesses. Feasible percentage of the commission, assistance in the purchase of equipment.
But these banks insist on connecting RKO before applying for acquiring. But it's not so bad. After all, the tariffs for maintaining an account with these banks are among the lowest.
Sberbank, due to its popularity, is so supportive that it provides equipment for free. A small condition is to spend at least a thousand a month through the terminal. Otherwise, next month it will be turned off and taken away. In fact, the commission for equipment, which allegedly does not exist, is included in the percentage. It is 2.5%.
Advantages of acquiring connection
The installation of terminals is interesting in that it facilitates the routine financial processes of an entrepreneur due to invisible work with virtual amounts.
- Cashless payments increase revenue for a quarter. It is easier for buyers to part with electronic money, because they are not taken out of the wallet, they are not counted from the total amount. As they say, the eyes do not see - the heart does not hurt.
- Save time for service up to 1 minute per customer. There is no need to count in your hands, check bills for authenticity, give change and wait for the coins to be collected from the counter.
- Savings on collection. It's simple - no bags to collect money. It is safe to work as a salesperson who has no cash at the checkout.
The best acquiring for individual entrepreneurs in 2019 is the one approved by the bank
Do not think that for the sake of profit, banks are ready to connect devices to everyone. International payment systems closely monitor the activities of banks. Therefore, the department of the credit organization, where you come with an application for connection, will check each word indicated in the questionnaire.
If the bank through ignorance or omission helps scammers, the Ministry of Railways will fine you mercilessly. For each negligent seller, the financial institution will pay a $25,000 fine. And if the problem is not sorted out, the fine will increase to 100 thousand dollars, and the bank may lose the right to acquire a Visa.
What sales are banned?
- Fake goods. The bank closely examines the company's website for compliance of goods with the declared brands.
- Services of illegal casinos, sale of pornography, goods that violate intellectual property.
- Remote sale of tobacco products, electronic cigarettes, hookahs.
- Subscriptions for further withdrawal of money.
- Lack of goods after receipt of payment.
- Medical drugs dispensed by prescription.
- The quality of the product does not match what is stated on the site.
If you are confident in your business, use acquiring as an excellent tool for expanding your target audience and sales volumes. You have to pay for convenience. Agree that 2-3% as a reward for increasing revenue by 25% and simplifying labor-intensive processes is a feasible payment for an interested entrepreneur.
Let's talk about what merchant acquiring is. Let's see what tariffs for this service are offered by the TOP-14 Russian banks for entrepreneurs. Here are instructions on how to connect merchant acquiring for business.
Merchant Acquiring - Tariff Rating
We have collected in one table the tariffs for merchant acquiring from the TOP-14 Russian banks.
Bank | Commissions | Equipment price, ₽ | Reviews | Rating | Official site | |
---|---|---|---|---|---|---|
Dot | 1,3% | 2,3% | 12 000 – 20 000 | 10 | ||
Module-Bank | 1,6% | 4% | 8 000 – 35 000 | 10 | ||
Tinkoff-Bank | 1,59% | 1,99% | Is free | 10 | ||
Sberbank | 0,5% | 3% | Installment from 1000, months | 10 | ||
Promsvyazbank | 1,59% | 1,89% | Free rental | 10 | ||
Raiffeisenbank | 1,99% | Rent 190 – 990, month | 9 | |||
Sovcombank | 2,3% | Is free | 9.47 | |||
Alfa Bank | 1,9% | 2,1% | Is free | 7 | ||
VTB | 1,6% | 2,7% | 5 000 – 41 500 | 10 | ||
Vanguard | 1,7% | 11,9% | Rent 250 – 750, month | 0 | ||
ICD | 1,65% | Free rental | 10 | |||
MTS Bank | 1,69% | 1,69% | Rent 1499, month | 10 | ||
Uralsib | 1,65% | Rent 2600, month | 7 | |||
Russian standard | 1,8% | 2,2% | 17 600 – 30 000 | 9.5 | ||
min | max |
What is merchant acquiring?
Merchant acquiring - non-cash payment for services and goods. It is available in many stores: they have terminals for cards. If you insert a card and enter a PIN code, then the money will be debited from it and sent to the seller. Since 2016, smartphone payments have also been working in Russia: customers do not carry cards with them, but use Apple Pay, Samsung Pay or Google Pay.
Please note that merchant acquiring is only in a physical store (one that physically exists). If you accept payment on the Web, then this is Internet acquiring. It has its own features and tariffs for service.
How does merchant acquiring work?
Below is a brief description of how merchant acquiring works in a physical store.
- the buyer inserts or applies the card, smartphone to the terminal
- enters PIN code
- the terminal contacts the payment system (it can be Visa, MasterCard, MIR) and “asks” if it is possible to carry out the operation
- the terminal contacts the bank that issued the card and “asks” if the buyer has enough money
- if all is well, the funds are debited from the account, the seller gives a check.
How to choose an acquiring bank?
We have prepared a list of 9 criteria by which you can choose the best acquiring bank.
#one. What are the turnover requirements?
See how the acquiring bank changes the commission depending on the turnover. If the conditions are such that you can pay the bank less than 2% of the turnover, then you can order acquiring in this bank. If, for a commission of 2% or less, you need a turnover of 500,000 rubles per month or more, we recommend that you look at other banks.
#2. What about equipment?
See how the bank issues equipment. Should I buy it or can I rent it for free? Is it necessary to buy a terminal at a bank or will acquiring be connected to a device purchased somewhere else?
#3. Where will the funds be transferred?
Banks take an additional commission if the proceeds from acquiring need to be transferred to an account with another company. From our TOP-14 banks, you can arrange acquiring and not pay for the transfer of money to another bank at Sberbank.
#four. How quickly will the money be transferred?
#5. How quickly will the terminal be connected?
Check with the bank manager how quickly the terminal will be installed and connected in your store. In most banks from our TOP-14, this will be done 1-2 weeks after the application or earlier.
#6. What payment systems are accepted?
If an individual entrepreneur and LLC works with tourists, then it is better for him to connect acquiring with the support of JCB, American Express, Union Pay, which are popular abroad. Terminals must also accept MasterCard, Visa, MIR, the most common in Russia.
#7. What are the RKO rates?
Find out how much the bank charges for maintaining the account. It may turn out that cheap acquiring rates are “compensated” by expensive service. And vice versa: there is a large commission for “clearing” in banks where account maintenance is free.
#eight. How much does maintenance cost?
Find out how much it costs to visit a specialist to set up the terminal and repair it. The price for these services is individual, depending on:
- what is the turnover of the business
- how many terminals are there in stores
- what model are they
- how far to go to shops.
#9. Is there employee training?
Uralsib and MKB-Bank are companies from the TOP-15 banks that will teach employees how to use terminals for free. This is useful if you buy a lot of different devices - POS-terminals, pinpads, online cash registers.
We recommend that you determine for yourself which of the nine criteria are most important for your business. For example, sole proprietorships and LLCs with small incomes should pay attention to turnover requirements - commissions for such a business will be significant. And for large businesses, we recommend choosing a bank where they install, repair terminals and transfer money to the account the fastest.
What determines the cost of acquiring?
We have identified three factors that determine the cost of acquiring:
- equipment price, terms of its use (purchase or lease)
- transaction fees
- bank account fees.
We recommend evaluating all factors that affect the cost of acquiring. In banks where there are small commissions, there may be expensive terminals and tariffs for maintaining an account. And in companies that take 2-3% of turnover, they can provide equipment for free rent and do not charge a commission for account maintenance.
What is the equipment for merchant acquiring?
We have prepared a small overview of all types of equipment for acquiring. They described not only the terminals, but also other equipment.
#one. Stationary terminals
Installed in physical stores. Do not move: Internet connection is usually via cable. Used by stores that already have cash registers and cash payments.
#2. Portable terminals
You can carry them with you - work at several points, and buy one terminal. Portable equipment has a battery that lasts for 2-3 days of operation. They have SIM-cards and work without a cash register.
#3. POS systems
POS systems include:
- payment terminal
- keyboard, display for entering purchased goods, services
- Barcode Scanner
- fiscal apparatus.
The most expensive type of merchant acquiring equipment. Completely replaces the traditional workplace of a cashier. Suitable for new stores that are equipped from scratch.
#four. SMART systems
SMART-system consists of:
- mobile terminal
- fiscal accumulator
- smartphone or tablet.
The mobile terminal used in a SMART system is smaller and cheaper than a conventional device. It connects to a smartphone or tablet via Bluetooth. It turns out a full-fledged terminal, like in a store.
#5. Pinpads
Auxiliary device. This is a gadget with a PIN-code keyboard and a screen where the client puts a card / phone or inserts a card. The pinpad does not work on its own - only in conjunction with the terminal.
Is there merchant acquiring without a bank account?
No. If an individual entrepreneur or LLC wants to connect merchant acquiring, then you will need a bank account. Otherwise, there is nowhere to transfer money that buyers transfer by bank transfer.
If the entrepreneur already has an account, and favorable conditions for merchant acquiring are given in another bank, then it is not necessary to open an account. You can arrange acquiring in one bank, and receive money in another. Sberbank will do this without additional fees.
Merchant acquiring and online cash registers
Since 2017, stores that sell goods and services must have online checkouts. This is a requirement of Federal Law N 54-FZ of May 22, 2003. If they are not there, there will be fines: for officials - from 1,500 to 3,000 rubles, for companies - from 5,000 to 10,000 rubles.
If merchant acquiring is connected in the store, then an online cash desk will still be needed. It is equipped with a fiscal drive that sends all sales data to the Federal Tax Service. This is necessary to accurately calculate taxes from the store.
When connecting merchant acquiring, check online cash desks: they must comply with the requirements of the law. We talked about penalties for violations above.
How to connect merchant acquiring?
We have prepared a brief instruction that will help you connect merchant acquiring. It has 7 steps.
#one. Choose a bank
Choose a bank with the best conditions for merchant acquiring. We recommend using the criteria described above.
#2. Submit an application
Send an application for merchant acquiring:
- in internet bank
- through the site
- by phone.
A bank consultant will contact you and clarify for which business acquiring is needed. He will tell you in detail about the current tariffs and help you choose the best one.
#3. Prepare documents
A package of documents for connecting merchant acquiring:
- passport of an individual entrepreneur or director of an LLC
- extract from the USRIP (for individual entrepreneurs), USRLE (for LLC)
- certificate of registration of an individual entrepreneur or LLC
- account details.
Please note that this list is not complete. Your bank may ask for other documents.
#four. Pick up equipment
Choose the equipment you need for merchant acquiring. We talked about the types of equipment above. A bank consultant will be able to tell you how many pieces of equipment will be needed for the store.
#5. Sign an agreement
Sign the merchant acquiring agreement at the office or in the Internet bank. It is drawn up as an additional to the cash settlement agreement.
#6. Install hardware
Bank specialists will go to the store, install and configure the equipment. Prepare the conditions for the work of the masters.
#7. Start payment
The specialists of the acquiring bank will train employees (if such a service is available). After that, you can turn on the equipment and accept payments from customers by bank transfer.
Conclusion
According to Alfa-Bank experts, merchant acquiring increases business revenue by up to 30%. And Unistream-Bank claims that individual entrepreneurs with merchant acquiring earn 80,000 rubles more per year.
According to the Uniteller company, which works with enterprises from 40 business sectors and serves more than 3.5 thousand stores, a client spends 30% more with cashless payments than if he paid in cash.
Therefore, we recommend connecting merchant acquiring for any business. Among the TOP-14 Russian banks there are those that charge 1.5-2% commission for all transactions. And these banks will also help install terminals, service them and transfer the proceeds to the bank where it is convenient for the entrepreneur.
Merchant acquiring- this is a kind of service for accepting payments by bank cards using POS-terminals in trade and service enterprises (TSP). The main difference from other types of acquiring (mobile and when paying via the Internet) is that a separate device (terminal or imprinter) works with the card, printing paper receipts to confirm the operation (some mobile terminals already can print fiscal receipts, but this is rather an exception to rules, since most reporting documents are sent to the client by mail or by phone in the form of SMS). Due to the fact that such a payment scheme is used most often in offline stores (supermarkets, offices, retail outlets, etc.), acquiring is called "trade".
Payment by bank card through the terminal is characterized by a high degree of transaction security for both the merchant and the buyer, as well as a shorter transaction processing time compared to mobile terminals or payment via the Internet.
The payment system is responsible for processing, providing guarantee obligations to both parties of the transaction (buyer and seller). The bank providing the merchant acquiring service is a member of such a system (national, for example, the Russian MIR or international, such as VISA or MasterCard), as is the bank that issued the card to the owner.
Types of POS-terminals for acquiring
Conventionally, terminals for accepting payments from bank cards can be divided into the following groups:
Modular. Here, the individual functions are distributed to different hardware units. To combine them into one system, you often need a computer or other device responsible for the operation of application software (smartphones or tablets are also suitable for these tasks). The modular approach allows you to build complex POS systems for the full range of tasks solved by the cash register module. Examples of individual blocks:
Autonomous. These are devices that are a monolithic system of all the necessary blocks. That is, such terminals already have their own card reader, printer, pinpad, etc., and can work completely autonomously. But to include them in a single accounting system, trading enterprises can be equipped with interfaces (for example, to connect to a cashier's workplace or to an available network with Internet access). Standalone POS terminals can be divided into the following subtypes:
- Stationary. Most often they do not have a built-in battery or its capacity is designed for a short battery life, the interfaces for accessing the Internet are mostly wired: RG-45 (LAN), RS-232, etc. But to ensure uninterrupted communication, they can be equipped with built-in GPRS modems.
- Portable / portable. They can work for a long time even without external power. Equipped with a built-in modem for 2G/3G/4G communication and/or other interfaces for wireless connection: Wi-Fi, Bluetooth, etc.
- Specialized. This is mainly embedded equipment, which is used in self-service devices. In turn, such terminals can be autonomous or modular. Private types of specialized POS-terminals include the following:
- Devices with signature capture.
- Equipment with biometric identification (fingerprint, face, etc.).
- Embedded POS-terminals (for vending machines, for self-service checkouts, etc.).
- Software. Before the widespread introduction of contactless payments, the only alternative to terminals was Internet acquiring. But NFC modules in smartphones and on bank cards made possible another type of payment - without a terminal at all. The NFC module of the smartphone acts as a reader. The application of the bank and its servers are responsible for all other operations.
- Mobile terminals(m-POS). They can be called modular devices rather than stand-alone ones, since they are structurally composed of only a reader and a pinpad (sometimes even just a reader). And a third-party device (smartphone or tablet with an application installed on it) is responsible for the calculations. Banks or special services offer them as a separate solution with their own tariffs and a separate agreement.
. Here, the POS terminal can be included in another monolithic or composite device. The online cash register is able to take over all the functions of the cash register module. The base set already has:
- Computing device. Usually this is a tablet based on a popular operating system with special software (with the ability to install additional if necessary).
- fiscal storage. Compliant with the requirements of 54-FZ (capable of exchanging data with OFD).
- Receipt printer.
All terminals can be classified according to technical parameters:
- type of readable cards (magnetic stripe, with a chip, contactless);
- type of connection (wired/wireless and in terms of specific technologies: LAN, 2/3G, Wi-Fi, etc.);
- additional features (interfaces for connecting auxiliary equipment, integration with cash registers and enterprise information systems).
Technology operation scheme
Only an individual entrepreneur or a legal entity that has concluded an acquiring agreement with a bank can accept non-cash payments.
The organization for receiving payments is as follows:
- The cashier asks the client about the method of payment, if the payment will be made from the card, the buyer is provided with the terminal of the acquiring bank or the cashier asks to transfer the card to him.
- The card is rolled with a magnetic strip, inserted with a chip or applied to the POS-terminal display (only for cards with NFC - contactless payments). The device requests authorization (entering a PIN code, providing documents with signature verification, etc.).
- If authorization is successful, the acquiring bank blocks the purchase amount on the card account with the issuing bank. If there is not enough money, the payment is interrupted.
- If the limit allows you to make a purchase, a positive response is returned. A check (slip) is printed on the debiting of funds, the buyer picks up the goods.
- The acquiring bank confirms the successful purchase to the issuer, the funds are finally debited from the cardholder's account in favor of the acquirer.
- The transaction between banks is closed by clearing files.
- The amount is transferred to the account of the enterprise (legal entity or individual entrepreneur) with the frequency specified in the acquiring agreement.
Mobile payments through POS-terminals are somewhat different (instead of bank cards, a smartphone is used, for example, Apple Pay, Samsung Pay, etc.). Card data is stored in encrypted form. The application installed on the smartphone requests a unique code (token) for each new purchase, which is transmitted to the terminal instead of the real card number via NFC. After checking the issued token with the data of the real card on the servers of the tokenization service provider, the payment is made in the usual mode, as from the account of a regular bank card. With this approach, the security of each individual mobile payment transaction is increased.
How to choose
To make the right choice of a bank for merchant acquiring, it is necessary to take into account many factors:
- average check amounts
- turnover per month
- terms of rent, purchase or connection of own terminals (including models supported by the bank),
- which current account the service works with (a number of banks connect acquiring only for withdrawals to accounts opened in their own network, some can withdraw to third-party accounts, but with their own additional commission, etc.),
- penalties for non-profitability,
- supported payment systems (many banks avoid systems that are not widely used in Russia, such as JCB, China UnionPay, AmericanExpress, DinersClub International, etc. And their use in your business model may be mandatory, which will fundamentally affect the approach to choosing an acquiring bank) ,
- RKO tariffs (if the account will be opened in the acquiring bank),
- equipment maintenance cost.
Do not bypass the issue of technology for accepting non-cash payments, depending on the scope of the enterprise. So, in the restaurant business, portable terminals will be preferable, stationary models can be installed in a supermarket, in a delivery service or a taxi, accepting payments will help organize mobile acquiring, etc.
Only after a detailed analysis and calculation of all components, you can make the most optimal choice.
owner of Beauty Manufactura
If everyone wants to pay with Apple Pay, it's our top priority to make sure that this payment method works for us just like it does elsewhere. The girl did a manicure, she does not need to go into her wallet for money - she just put the phone to the terminal. Money is debited automatically.
Acquiring can also be different. It is in Sberbank Money earned on Monday is already in our account on Tuesday.
In his Sberbank Business Online I see what receipts were for each month, I can analyze which one brought more cash and receipts to the current account.
Alexandra Alimbekova
co-founder of MATCHA BOTANICALS
At Sberbank - one of the lowest rates by acquiring. That's why I chose him. When acquiring was installed, everything was done through the Sberbank Business Online application. Leave a request, and the next day the specialist is ready to come and install the cash register.
30% of our clients pay with cards. And it is important for me not to miss them and not to lose to competitors at the food court. Another acquiring is safe and convenient, no need to keep cash in a drawer.
Dmitry Bakhirev
managing partner VR-quests ANVIO
80% of payments go through our website. It's comfortable- we immediately receive revenue, and the user pays the way he is used to: with cards, Apple Pay and Google Pay.
Previously, users booked quests without prepayment and paid the entire amount in cash on the spot. They could not come, and we lost 20-30% of the revenue. Now there is a prepayment through the site - we save revenue.
When they were launched, acquiring was urgently needed. Filled out an application on the Sberbank website - a couple of days later they installed terminals and set up accepting payments through the site.
Hello! Today we will tell you about merchant acquiring. And also about the favorable tariffs of banks and the features of connecting this service.
Tariffs of TOP-15 banks for merchant acquiring
For comparison, consider the acquiring tariffs that are relevant in 2020. In some institutions, tariffs for regions may differ slightly.
Bank | Commission | Cost of equipment | Terms |
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. |
|
|
1,79-2,69% | From 18 500 rub. | There are RKO package solutions that include acquiring with a commission of 1.59%. | |
up to 2.5% | Installment purchase 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 terms | The bank offers individual package solutions, the cost of which includes the terminal, its delivery and setup. | |
1,8-3,5% | 7990–41,500 rubles |
|
|
VTB Bank of Moscow | From 1.8% | Free rental |
|
1,9-2,1% | Free rental |
|
|
1,59%-1,89% | Free rental |
|
|
1,35%-1,8% | It is proposed to purchase a new terminal in installments (for 4 months). Cost from 17,500 rubles. The terminal is provided to the client after the first payment |
|
|
Vanguard | 1,7-2,3% | Rent 200-750 rubles / month. for the first four years, then free of charge |
|
ICD | 1.6-1.95% or a fixed amount - 2,500 rubles / month. | Free rental |
|
MTS Bank | from 1.69% per operation and 1,499 rubles. monthly for information technology services | Free rental |
|
Raiffeisenbank | From 1.99% | Subscription fee for using each terminal: 190-990 rubles/month. Registration of each terminal: 490-29 900 rubles. |
|
Uralsib | 1.65-2.6%, at least 2600 rubles / month. | Free rental | Free of charge: 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 the bank. The terminal will be sent within three days, and a bank employee will come 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 solution for business on special terms. The size of the commission, 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 rates
The largest acquiring bank in Russia serves entrepreneurs in all regions of the country. You can send an application for acquiring connection 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. Funds are transferred to the current account in Sberbank the next day, to an account in another bank - within three days.
Each trade enterprise chooses a favorable acquiring tariff for itself. To find the optimal solution, many factors must be taken into account. 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 meet the required minimum payments and do not receive a penalty for not meeting it;
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 a client terminal purchased from a third-party organization;
To which bank account do you want to transfer funds?- some banks accrue revenue exclusively to their accounts, others charge an additional commission for transferring to another bank;
The rate of receipt of funds- money can be transferred to the seller's settlement account both on the day of the transaction and after 10 days;
Connection terms. Unpleasant situations often arise if a bank client plans to accept non-cash payments 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 common (most often foreign) payment systems. This issue is especially relevant for businesses whose main customers are tourists;
Maintenance cost- how much does it cost to consult and call a master, replace a check 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 conditions and requirements. Not always the cheapest (in terms of commission and service) tariff is the best choice - its shortcomings can only be discovered after some time.
What affects the final cost of acquiring
Comparing rates for acquiring in different banks is not an easy task. The total cost of acquiring for an entrepreneur consists of:
- Cost of equipment (purchase of a terminal or its lease);
- Commissions from each operation or a fixed monthly payment for services;
- RKO tariffs, if you need to open a current account with a bank.
For example, a bank can provide a terminal for free and take a small commission from each transaction. 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 tariffs are more profitable, it is necessary to calculate their cost, taking into account all the above criteria.
Trading terminals for acquiring
Acceptance for payment of bank cards is implemented by special POS-terminals. There are several varieties of this equipment, depending on the tasks and set of functions.
- Stationary terminals. Equipment for enterprises that already have a cash register and accept cash payments, but need to expand their capabilities and also connect card payments. They have their own interface, they print separate receipts. Typically, such terminals are powered by the mains, not by 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 for data transfer. You can use portable terminals without integration with the cash register.
- POS systems. A full-fledged cashier's workplace, which may include a barcode scanner, keyboard, display, fiscal machine, and so on.
- SMART terminals. A modern system consisting of a tablet, a mobile terminal and a fiscal apparatus. You can connect additional equipment to the basic configuration, for example, a scanner, and install auxiliary programs (time tracking, analytics, etc.).
- 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.
Merchant 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 themselves decide whether they need a bank account.
For example, a current account is needed in case of accepting non-cash payments, including through the acquiring system. After all, where, if not to the current account, will payment for goods and services be transferred? Therefore, acquiring without opening an account is impossible.
Today, 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, some banks in 2017 work only with their own settlement accounts, encouraging their customers by providing service discounts and other bonuses.
Merchant and internet acquiring
In order to understand the difference between merchant acquiring and its online version, let's consider both concepts.
It implies the contact of the seller and the consumer in 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 settlement account. How is this process different from Internet acquiring?
Internet acquiring also called virtual. It is used when paying in online stores and on other online platforms. In this case, the seller does not need a terminal, its role is played by the interface posted on the site - this is the main difference. With Internet acquiring, the seller also pays a certain commission to the acquiring bank.
In general, the work of both types of acquiring comes down to one thing:
Merchant acquiring and 54-FZ
Recently, cash desks at retail outlets came under forced modification - in 2017 they became online cash desks. Unlike the cash registers of the previous generation, equipment that complies with Law No. 54-FZ not only records revenue and prints receipts, but also:
- encrypts and stores fiscal data;
- transfers information to the database of the Federal Tax Service.
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 cash registers.
Stand-alone POS-terminals connected to sales equipment can work as before without updates. But POS systems and SMART terminals must comply with the new requirements: send electronic checks to the Federal Tax Service , like all online cash registers since 2017.
How to connect merchant acquiring
Today, more and more Russian citizens prefer to pay not with cash, but with a card. Following the demand, entrepreneurs are actively connecting acquiring. It is not difficult to do this, the whole procedure will take several steps:
- Step 1 . Bank selection;
- Step 2 Sending an application (through the bank's 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 Equipment selection;
- Step 5 Conclusion of an agreement;
- Step 6 Installation of equipment at the point of sale;
- Step 7 Launching a test mode, briefing employees.
After all the stages have been completed, the system is set up, you can start accepting non-cash payments from customers.
Merchant acquiring: user reviews
Alexey, individual entrepreneur (retail trade):
“I was forced 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 turned out to be not as difficult as I imagined at first. I have been working with non-cash payments for several years, 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 there is no need to worry about the authenticity of banknotes, which are easier to fake 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 cash desk - and savings on collection. Of the shortcomings, I would name only the cost of equipment, but these costs usually pay off.