What you need to put the payment terminal. Install a payment terminal and get a stable income

In this publication, we will tell you how to purchase a terminal for paying with cards and why you need it. According to experts, the use of card terminals increases trade turnover up to 15-20%. This fact is based entirely on the psychological aspect. The buyer does not see "live" money and, therefore, part with them more easily. In addition, he constantly has large sum to make unplanned purchases.

This is an important nuance that can be interpreted in favor of using this payment scheme as an alternative.

Manufacturers

Before answering the question of how to choose, let's do small review presented at Russian market models. Moreover, this market is very limited, the lion's share of it is occupied by 4 manufacturers:

• Verifone.
• Yarus.
• Ingenico.

Of these brands, VeriFone and Ingenico terminals are the most popular. These are high-quality, reliable devices of American and French production, respectively.

Despite the functional similarity, the terminals still have a number of differences. So, the products of the Ingenico concern are compact, while VeriFone provides a large selection of models.

Benefits of using terminals

In favor of organizing settlements bank cards say the following facts:

• Ease and speed of payment processing.
• Reliability of financial transactions.
• Law requirement.
• Increasing revenue.
• Attraction of new clients.

Criterias of choice

A professional approach to choosing a bank acquiring terminal implies a clear understanding of the features of the outlet and its needs. Experts distinguish three groups of devices, these are:

• Stationary devices.
• Mobile solution for checkouts.
• Complex POS-terminals.

Stationary apparatus

This is an optional offer that is rational to use in the permanent outlet mode. The peculiarity of this terminal is that for the operation of the device must be connected to the mains at all times. In addition to a constant power source, he needs a stable Internet connection. For this, dial-up, Ethernet or GPRS modem protocols can be used. Stationary terminal has proven itself in enterprises retail industrial and food products.

Mobile terminal

This is an ideal solution for the restaurant business, taxi services, courier services and other enterprises where it can be in demand. The device has a capacious battery and a receipt printer. This allows the device to function offline for a long time. Internet access is carried out via GPRS or Wi-Fi.

Integrated option

The device is designed taking into account all the possible needs of large retail chains. The solution is based on a specialized POS-terminal that works without being connected to a printout device. In other words, this is an additional option of a modern cash register, which involves the connection of a display and a keyboard.

Its main difference from other types is that information about the purchase made enters it directly from the cash desk terminal, and the slip check is printed either on a fiscal registrar or on a special UTII printer. For communication, the Internet protocol is usually used.

Terminal acquisition

When buying a POS terminal, it is important to carefully study the capabilities of the proposed models and correlate them with the needs of the outlet. In addition, it is important to choose the right supplier, namely, to analyze all the conditions of after-sales service. Only after that you can make a purchase. In addition, today many companies offer to rent a terminal.

In conclusion, it is necessary to pay attention to such an issue as the registration of a POS-terminal - according to the current legislation, it is not required.

Enterprises and small business organizations in the modern banking market the level of service and technology requests can be compared with larger corporate clients. One of the most demanded services is the equipment of outlets and service delivery points with POS-terminals. Providing bank acquiring opens up additional business opportunities and has a lot of positive aspects. It is worth talking in more detail about how to put a terminal for paying by card in the store. You need to start by considering what a POS terminal is.

POS terminal: how it works

Bank acquiring is necessary mainly for settlement and cash transactions. The main ones are the following:

• payments made to counterparties and tax authorities;
• cash collection Money;
• administration of account balances.

This list is not complete, as the range of services settlement and cash services includes many operations. The use of non-cash payment terminals is included in the list of these services, as money is debited from the buyer's bank card to the seller's account. Cashless payments using plastic cards have practically replaced cash payments.

The presence of a specialized terminal at the point of sale is an essential requirement modern life. Without such a device, called a POS-terminal, it is simply impossible to quickly carry out cashless payments.

Points equipped with POS-terminals are usually labeled with stickers with the logos of those payment systems through which cashless payments are made. In the store, the terminals are located at the checkout, and at the service enterprises - at the personnel responsible for the settlements. The procedure for transferring funds consists of several stages:

1. The buyer, after calculating the purchase amount, informs about the desire to pay with a bank card.
2. The person responsible for making payments (cashier or seller) accepts the card from the client and inserts it into the POS-terminal receiver or asks the buyer to do it himself.
3. After the card is recognized by the terminal, a prompt appears on its screen asking you to enter a PIN code.
4. The client enters a secret password, and if it matches, the card data is sent to the processing center.
5. The payment system checks the amount of the balance on the client's account and transfers the purchase amount from the card to the account of the acquiring bank.
6. A payment receipt is printed, one copy of which is given to the buyer, and the other remains with the seller.
7. The funds for the purchase are transferred to the seller's account from the bank account. In this case, a commission is charged, the amount of which is agreed upon by the agreement between the bank and the seller.

Connecting acquiring in Sberbank

In order to install a Sberbank terminal for paying with a bank card in a store, first of all, you need to contact the representative office of this organization in person, or visit the site where convenient service to conclude an agreement. At the first stage, it is enough to fill out a special application, which will then be considered by the responsible service of Sberbank. After checking the correctness of filling out the document, an employee of the bank contacts the entrepreneur, who clarifies the application data and answers the questions that the potential client has.

After agreeing on a preliminary application, it is necessary to conclude with Sberbank acquiring agreement. The details of the agreement depend on which terminals the entrepreneur is going to use and which payment systems will be used when making payments.

Also, when concluding an agreement, the number of terminals and the average turnover of the enterprise are taken into account. These data affect the cost of Sberbank services. An entrepreneur can either acquire a POS-terminal as a property or rent it from a bank. Sberbank provides maintenance of non-cash payment terminals based on the introduction of additional conditions into the agreement.

After the conclusion of the acquiring agreement, Sberbank specialists install the POS terminal. In addition to own equipment, the installation of software necessary for the correct operation of the terminal is carried out. The company also carries out training employees of the enterprise in methods of working with a point of sale. All personnel responsible for using the terminal receive leaflets with brief instructions on the operation of the terminal, and informative stands are placed on the territory of the outlet. For the first time using the terminal, Sberbank allocates a manager who promptly resolves all issues that arise when making cashless payments.

Types of POS terminals

Cashless points of sale are divided into two types: commercial and mobile.

1. Trading terminals installed in retail outlets and service organizations. The business owner decides how to install a card payment terminal in a store (from Sberbank, for example) with the creation necessary conditions for the smooth operation of equipment (area, environmental factors).
2. Mobile POS terminal Sberbank offers for non-cash payments when paying outside the outlet. It is a card reader equipped with wireless modules, including the standard mobile communications 3g. The seller's representative provides the buyer with an mPOS-terminal for making payment, into which he inserts his plastic card and enters a PIN code. After the funds are debited, a check is issued, and the operation itself is carried out through a special application installed on the seller’s smartphone or tablet by transmitting data via a wireless network.

A Sberbank mobile terminal for individual entrepreneurs requires lower maintenance costs and is much cheaper to install than a trading one. It is ideal for small businesses with a small turnover of funds and for individual entrepreneurs engaged in traveling activities (delivery, home services, delivery of goods from an online store with payment to a courier, etc.).

If an entrepreneur's business involves selling or providing services to the public, then you can install a Sberbank terminal for paying with a bank card. Moreover, if the annual profit of the store is over 60 million rubles, then according to Russian legislation the business owner is obliged to provide customers with the possibility of non-cash payment for goods from a bank card. How to initiate acquiring - cooperation with Sberbank, read below.

Bank cards is becoming an increasingly popular means of payment for goods and services. Therefore, it is beneficial for entrepreneurs to install Sberbank electronic terminals at their outlets, with the help of which customers can pay for purchases non-cash with cards.

The advantages of using a pos-terminal for individual entrepreneurs in a store are more than obvious:

• Cardholders are more willing to shop where they can pay with a card, which affects the additional attraction of customers;
• Buyers are not limited by the available amount of cash, due to which the average bill increases, and hence the turnover of the outlet;
• Cardholders are more likely to make unplanned purchases;
• Less risk of counterfeit banknotes;
• Working with cards for the cashier is easier and more convenient;
• Queues at the cash desk are reduced (less time is spent on accepting cash payments and counting change);
• Less cash at the cash desk and, accordingly, a reduction in the time for recounting banknotes and small change during collection;
• Reducing collection costs.

It is just as beneficial to comply with the requirements of the law on the installation of pos-terminals than to be exposed to the risk of penalties. After all, employees of Rospotrebnadzor conduct checks on compliance with legislative norms. The fines are far from small - 15-30 thousand rubles to an employee of a trade organization who refused to accept payment by bank card and 30-50 thousand rubles to the business owner (in the case of an annual turnover of the outlet over 60 thousand rubles).

Practice shows that the owners of small retail outlets in passing places equip stores with terminals so as not to miss customers with credit cards.

How to install a Sberbank terminal in a store

An entrepreneur should take care of having a current account, which can be opened at any financial institution convenient for him. To install a Sberbank terminal in a store, the following steps will be required:

1. Submit a written application to Sberbank, provide the appropriate package of documents (for individual entrepreneurs and legal entities are different).
2. Coordinate details with the bank (number and type of connected terminals, payment systems).
3. Conclude an agreement with the bank for the provision of acquiring services (signature, seal).
4. The bank's specialists carry out the installation of equipment and the necessary software, train the staff to work with the payment terminal. These works are carried out within 10 days after signing the contract.

According to the acquiring agreement in Sberbank, a transit account is opened for the client, to which funds debited from buyers' cards for purchases are accumulated. Then the money from the transit account is redirected to the current account (minus the commission for transactions). Maximum term crediting funds from sales by acquiring 6 days (if the current account is opened in another bank). As a rule, in most cases, the transfer of amounts to the settlement account of the organization / individual entrepreneur is carried out within 1-2 days after the payment is made.

The cost of providing services for the implementation of cashless payments with customers is affected by the turnover of the enterprise, the number and type of used pos-terminals, which the organization can acquire ownership or rent from the bank. Also, acquiring rates depend on the average bill. Moreover, this dependence is inverse: the higher the turnover and the average check, the lower the commission for the provision of services of the acquiring bank.

Types of cashless payment points

Depending on the working conditions of a trade or organization providing services to the population, a business owner can be supplied with a stationary or mobile terminal.

Stationary trading terminals It is customary to install in the maintenance room/office where you can ensure the smooth operation of the equipment. In stores, this is usually the cash register.

If services are provided in off-site mode, then it makes sense to use the service mobile acquiring through a card reader equipped with a wireless communication module. The representative of the organization provides the client with a mobile pos-terminal, into which the card is inserted, to pay for the goods/services. The client enters the Pin-code, and a few minutes after the funds are debited, the device will print out a check, which is given to the client in his hands. The transfer of funds is performed by a remote PC with an installed application from Sberbank, with which the mobile device is in touch.

It should be noted that a mobile pos-terminal is much easier to install and maintain than a stationary vending machine. Accordingly, its installation is less expensive and more preferred by small trade organizations with a small turnover for the organization of non-cash payments of buyers for goods.

A package of documents for acquiring

The main documents that need to be provided to an individual entrepreneur are as follows:

• a photocopy of the passport;
• notification from the statistical authorities;
• a valid extract from the USRIP (the issuance period does not exceed 1 month);
• a copy of the document on state registration;
• photocopy of TIN certificate;
• if the activity is subject to licensing, a photocopy of the license is provided;
• account details.

Legal entities are required to provide the following documents:

• a valid extract from the Unified State Register of Legal Entities (the term of receipt is not more than 1 month);
• notification from Rosstat;
• a copy of the memorandum of association;
• a copy of the charter of the enterprise;
• copies of the director's passport and the order on his appointment;
• a copy of the certificate of state registration of a legal entity;
• a copy of the tax registration document;
• company account details.

All documents specified in the list must be certified by the personal signature of the head and the seal (if any).

market today electronic services is developing at a tremendous pace. We no longer stand in long queues to pay utility bills or top up our mobile phone balance.

All this can be easily and simply done using payment terminals. Thanks to them, we stopped asking many questions, the solution of which required us to waste time. In this article, we will tell you in detail about the history of the emergence of these miracle devices, how big money is made on them, and, finally, how to start a terminal business yourself. So, first things first.

Payment terminal as a business

At the dawn of the birth of payment machines in Russia in 2006, the profit from them averaged 300 billion rubles, but after 3 years these figures exceeded 700 billion. In neighboring Kazakhstan, terminals for receiving payments began their development at about the same time.

In 2008, about 13,000 payment acceptance points were actively working there. By the way, today their number has exceeded 30,000. And now the most important thing.

According to experts, this type of payment has enormous potential. There is an opinion that the market is saturated by only 50% of its real capacity. This opens up great opportunities for organizing your own business in this area.

However, there are many skeptics who argue otherwise. According to them, certain parts of the market are already oversaturated with such machines. In addition, there is the concept of "addiction" of the population to various innovations. And if a few years ago consumers shied away from strange cars, today everything is exactly the opposite. They have become very popular and, most importantly, very much in demand, which again confirms the relevance of organizing your own network of such machines.

What do you need to start a business?

What do you need to install a payment terminal? Businessmen and entrepreneurs can organize their own own company in the instant payment market. To do this, you need to purchase all the necessary equipment, connect to payment systems and choose a suitable place for rent. You will have your own percentage of each operation carried out by your clients.

Commissions pay back rent, equipment costs, and generate tangible income for owners. Of course, you have already been puzzled by the question of how much profit one payment terminal brings. And you probably already thought that this is a penny. In fact, solid commissions passed through the terminals before there was a serious conflict between the owners of the terminals and the well-known company Kcell. The essence of the showdown concerned the restrictions on the commission that was charged when making payments.

According to the position of the terminal workers, after this restriction was introduced, their incomes fell by a third. And this, by the way, is natural, since the turnover of the company, which brought such confusion to the market, is estimated at 30 to 50% of the total number of all electronic payments made. According to the data of the well-known QIWI service, mobile operators make good money in this business, their share in the total turnover sometimes reaches 75%. And yet, with the right and rational approach, this type of business can turn out to be very, very profitable.

Experts in this field note that in the next 5 years such payments will become the most popular, both in Russia and in Kazakhstan, as well as in a number of other CIS countries. Why? Yes, everything is simple.

Such a business is beneficial to absolutely everyone. Just think: the payer gets the opportunity to instantly make a payment (and without interrupting his own business, somewhere in a supermarket), the provider “makes money” in communication, and the owner of the terminal withdraws his interest.

All good and comfortable. Therefore, in the near future, an increase in the number of points for instant payment is expected. Installing payment terminals is really a comprehensively profitable and promising business! He has a great future.

How to put your terminal?

So, we have already decided that this business has all the prerequisites for development, that the niche has not yet been filled, that it is still possible to enter the market and start your own business.
Now let's look at how to install your payment terminal. In order to start accepting instant payments, you need to:

1. Register as a legal entity.

2. Select the place where the payment terminal will be installed. It is very important. It is imperative that the surroundings are crowded. One of the best places is the entrance to the hypermarket.

Do not forget about the main thing - the more people pass by, the more money you can collect. However, the amount of rent will also not be small at all.

3. Invest in terminals.

4. Choose the right payment systems for the payment terminals you will work with, sign the appropriate agreement and open a specific account. They act as an intermediary between the owner of the payment terminal and organizations. The more partners that can serve payment systems, the greater the range of various payments you will be able to provide to customers.

And now let's see what are the names of payment acceptance points.

Self-service terminal. As the name implies, it is designed to ensure that customers make all the necessary payments themselves. The information provided on the monitor is structured. Also, for the convenience of users, all types of payments are divided into thematic groups. All this allows the client to quickly and without any "troubles" perform all operations.

POS terminal. Literally, the name can be translated as "point of sale." It is a compact terminal of autonomous type, the device of which allows it to successfully operate both from the network and from the battery built into it. Equipment of this type is usually installed at the checkouts in various stores. A POS terminal is an excellent additional income for shop owners.

Payment point. Such a system is convenient for those who do not want to invest a lot of money in business. It is compact and its equipment is inexpensive. The point can be organized only with the help of a laptop and, of course, software. As we have already noted, such a solution will cost the owner much cheaper than all of the above. At the same time, the payment point can be deployed (or, if necessary, collapsed) in the shortest possible time.

And now a few words about investments

The main advantage of the business, which in question in our material, this is, of course, insignificant labor costs necessary for its organization and subsequent work.

The cost depends both on the model of the device and on the availability of various additional features of this type equipment. Here, in fact, it is precisely with this that the main investments are limited. In the absence of even these financial resources, you can not buy equipment, but rent a payment terminal. In this case, you will need to conclude an appropriate agreement with its owner. This practice, like any other, has its pros and cons.

In general, the payback of this type of business is such that it is better and more correct to purchase good equipment once and start calculating net profit in 5-6 months than to rent a payment terminal and additionally throw money away for its repair (and it is possible) and for paying commissions to its owner.

More is better

In order to start making really big money, you need to organize not just two or three terminals, but develop a whole network of instant payment systems. Only in this case, the payment terminal as a business will start to bring good money.

And if things don’t work out in one place, then profits from other places can cover costs and expenses and quickly recoup your investment. Experts in this business say that for a successful start you need to have at least three terminals (however, their opponents often name the number 10). In Russia, we do not have information on the exact amount of finance for a full-fledged start of the business.

As an example, let's take average amount: for these purposes, approximately 200,000 rubles are needed. This amount includes the cost of equipment and initial financial resources required for turnover. With such investments, there is a high probability that the payment terminal as a business will become very, very successful for you, regardless of whether you start it in Moscow or, for example, in Almaty. Good start!

Service

How does a payment terminal work? Who serves him? In order to keep the equipment in working order and ensure its normal operation, a small staff is needed. So, for example, a company with 8 terminals is able to “pull” only 1 person, and if you have 5 or more employees, then in this case you will be able to successfully manage a company serving several dozens of instant payment points.

The advantages of such a business are that in order to engage in it, you do not need to have huge warehouses, puzzle over logistics, deal with the execution of various papers with clients (for which to keep a staff of lawyers).

The payment terminal as a business is good because here your task is only to
in order to properly place your equipment (here it is important to strike a balance between the "population" of the place and more or less acceptable rent) and monitor the collection process and the correct operation of the terminals.

By the way, before embarking on this interesting and very profitable business, it is worth considering one point in detail. To successfully start any business, you simply need to have a business plan, and a payment terminal is no exception. What does it mean?

You need to be sure to think over an approximate work plan for each of your points. You must understand that if one of them is not able to extract the funds necessary for the payback of the entire enterprise at the first time of work, then others will be able to do it.

It is also important to have a well-thought-out strategy for the development of your business in general. For example, this month you start with three dots. In two months, include three more devices in your network. By the end of the year, you should have a network with more than a dozen terminals.

How much should you invest right away?

You will immediately need to spend decent amount for the purchase of equipment. We have already told you about its cost before. It is worth adding to the above that the devices intended for installation on the streets may turn out to be the most expensive. This is not at all surprising. As you understand, they must withstand the constant impact of various precipitation and atmospheric phenomena.

Therefore, the equipment is manufactured with an increased level of strength. Such devices, unlike "greenhouse" devices designed for indoor use, can cost up to $9,000. Therefore, weigh everything several times before deciding to purchase. Perhaps it will be beneficial for you to agree with the store administration on the placement of your point, rather than installing it, albeit for a lower rent, on the street (but investing in more expensive devices).

We remind you that there are also free solutions. These include software to service the cash registers. In such a scenario of building a business, you simply will not need to buy terminals.

Monthly expenses

First of all, this rent. Its cost depends on many factors: the city, the size of the store and its attendance, your individual approach and ability to negotiate. You can install a payment terminal at a favorable price for you, if you paint all the advantages of this point directly for the customers of this store in colors. The management of any trade pavilion or hypermarket will be interested in providing maximum service to its customers.

Systematic replenishment of a certain account - its size depends on the number of your instant payment points at a particular dealer. At the same time, as soon as you have made the necessary payment for the service, it is immediately debited from special account the owner of the payment acceptance point and sent to the wallet to the provider of this service. By the way, only thanks to this, the “momentary” payment is ensured.

Internet traffic payment (GPRS). It is different depending on the city and country where you are going to expand your business. However, even with the maximum load, it does not go beyond $30-50.

It is also necessary to single out various deductions in a separate article. These are taxes, and collection services, the work of technical personnel and the work of employees.

How much profit does one payment terminal make?

So, gradually, we approached the answer to one of the most interesting questions. Depending on which service provider (provider, telecom operator) you have, commissions can range from 0.2% to 7% of the payment amount. Not bad, right? There is also a special additional commission. As a rule, the owner of the terminal can charge it from his clients. The amount is not fixed. It may be charged as a certain percentage of the payment made.

self-sufficiency

Now let's talk about when you can get a net profit. Knowing how much the equipment costs, what is the rent for its location, as well as other costs, you can roughly calculate when the payment machines will start working in plus. For example, 3 terminals can pay off in 4 months of work. But this is provided that sufficient population and patency of the place is provided. If this is not the case, then the payment terminal as a business will be less successful.

You can justify investments in 8 months. But again, it all depends on what point it is. If we talk about specific profit from it, then according to information from Kazakhstani businessmen, it is about 35 thousand tenge. Approximately the same figure is given in OSMP. According to them, the instant payment market is currently experiencing rapid growth. That is why terminals for receiving payments pay off on average within a year.

A spoon of tar

However, despite the popularity of this service among the population, business payment terminals have recently somewhat reduced their turnover. Experts say that just a couple of years ago, profits were significantly higher than they are today. Today, the owners of instant payment points are content with the profit that at the dawn of the emergence of this field of activity would not suit them.

This business (payment terminals) has lost almost 50% of its profits due to the emergence of fierce competition and the not entirely adequate policy of mobile operators. However, this does not mean that you should not invest in such a business. Of course, now is not the "dawn" of terminals, and you will not be the first, but you can still win a certain niche. The most important thing is not to sit idly by, but to constantly act, find unexpected moves. In this case, such a business (payment terminals) will work for you!

As in any business, here, in order to compete and at the same time constantly expand your network, it is important to work all the time. But what exactly needs to be done in order for your terminal network to bring you profit? And the payment terminal as a business was constantly going uphill? Pay special attention to a few key points:

An increase in the number of your outlets, installation of payment terminals should take place constantly if the funds necessary for this are available.

You should constantly increase the number of your partners in whose favor you will receive payments. This is the point that may depend not only on you, but also on the payment system you have chosen. Here it would be more correct to monitor the activity of this system and if it does not expand the number of its partners for a long time, simply change it to a more successful one.

Constant monitoring of how passable the points are. One of the common failures in this market is connected precisely with the fact that the entrepreneur chooses the wrong place to place the equipment. If the profit has fallen sharply for a long time, then in this case it is better to close the point or move it to a more profitable place. Installing payment terminals in a crowded place will ensure the success of the entire business.

Work on the quality of the service provided. It is possible that this item cannot be directly attributed to the expansion of your network, but in reality it can be very serious.

Summary

Let's summarize. Before starting an instant payment business, really evaluate your financial opportunities. Then write a business plan. Keep in mind that force majeure is possible, so put some money in reserve for unforeseen events. Next, get the equipment.

If you have a small budget, then give up street terminals in favor of those that are located only on the premises. Now recruit staff and determine the most crowded, but at the same time not very expensive places to place your outlets. You already know how to install a payment terminal in a store. It is necessary to negotiate with the management of the supermarket and agree on the cost. When all contracts are signed, and your "net" is set up, start tracking profitability and get your profit!

Despite the fact that this niche cannot be called new, there are still loopholes for successful entry into the instant payment market, which means that you can earn your million on this simple and interesting business! The most important thing is not to lose heart and not give up under any circumstances. Even if your business does not immediately give the desired result, do not despair and try to find new points for your equipment.

It is possible that new stores will allow you to earn good money. Also constantly expand your business contacts. Perhaps one of the new partners will be able to give you a valuable idea that you can implement, or advise terminals good quality at affordable prices.

Foreign practice cashless payment gradually enters the everyday life of the Russian inhabitant. Any legal and individual can install a terminal for payment by bank cards. If, until recently, non-cash payments were carried out only between legal entities, now payment for services and goods with plastic cards is not surprising.

Each bank has its own features and tariffs. Before signing the contract, it is necessary to figure out which terminals are most beneficial for the entrepreneur.

A small device designed to pay for purchases and services with a bank card has become familiar thanks to supermarkets. The use of acquiring is expanding its boundaries and now it can be seen in small shops of individual entrepreneurs.

Acquiring is a bank service that allows sellers and buyers to pay for purchases by bank transfer. You can find out how it is done in the article at the link.

Installation of a terminal for payment by bank cards is carried out by a bank with which a legal entity signs an appropriate agreement.

It can be set by a person who has a bank account. Therefore, those individual entrepreneurs who keep pace with progress should without fail open a bank account.

All transactions using the terminal for payment by plastic cards will go through the current account. What documents are required to open a current account for an individual entrepreneur - find out.

Installing the terminal is not yet mandatory for individual entrepreneurs. But, perhaps in the near future, in order to reduce the number of unscrupulous taxpayers, the Federal Tax Service will insist on this.

How the terminal for payment by bank cards works in practice - see here:

What types of payment terminals exist in Russia

There are currently three types of acquiring.

Trading - is installed in trading floors, shops and is intended for payment for purchases and services. Increasingly, you can see a grocery tray where such a terminal is installed. Principle of operation: the owner of a solvent card pays for the purchase - the signal from the terminal goes to the acquiring bank, which through payment system sends a request to the bank servicing the buyer's card.

There is a transfer of money to the declared account of the seller and the answer is returned to the terminal, notifying with a signal about the completed operation. The buyer, if he has a mobile notification system turned on, receives an SMS message from the card issuing bank about the amount withdrawn amount and account balance.

Internet acquiring is one of the ways to pay for goods in online stores. Not always distinguishable from other payment methods plastic card. Banks themselves do not specify their rates and often change them. The phenomenon in Russia is new and not entirely developed.

Which ones exist and how to choose the most successful and cost-effective you will learn from the link.

The movement of funds occurs according to the scheme: payment for the product in the online store - the information goes to the processing center - from there to the acquiring bank - then to the issuing bank - debiting the funds from the buyer's card to the account of the organization and returning the information in the reverse order.

Mobile acquiring - the process of paying for a purchase or service occurs through a mobile device (phone, smartphone, tablet) with a card reader connected to it.

What is the benefit of installing a terminal

The psychology of the buyer is such that cashless payments increase sales several times. When paying with cash, a person counts money and controls his purchases more carefully than when paying with a card.

Usually, buyers themselves offer a point of sale to install a terminal. When there are a lot of offers, and the traffic allows us to assume an increase in sales, then the installation of such equipment is quite appropriate. According to statistics, when a terminal for paying with bank cards appears, sales increase by 30%.

Installing a terminal has a number of advantages:

• sales increase;
• no need to look for change;
• it is easier to calculate revenue at the end of the day and make a report;
• the cashier cannot make a mistake by issuing change;
• there is no possibility of receiving counterfeit banknotes;
• the buyer does not need to look for ATMs to withdraw money;
• the buyer may not carry cash with him, which eliminates theft or loss of money;
• the safety of the seller and the store.

Disadvantages of acquiring:

• some banks charge the seller a commission for using the service;
• renting and maintaining terminals costs money;
• if there is only one terminal at the outlet, then a breakdown can lead to customer dissatisfaction. It takes some time to repair or replace;
• Each bank has its own refund period;
• money can go to the seller's account from several minutes to three days (depending on the bank);
• choosing the right bank;
• it is difficult for the buyer to trace his expenses. Spending occurs much more discreetly than with conventional cash payments.

What is needed to install a card payment terminal

A cashless settlement terminal is needed by those persons who provide services, goods and, by virtue of their activities, respectively, are individual entrepreneurs, LLC, CJSC or other legal entities.

To install a terminal for paying with bank cards, you must have one or more current accounts in one or more banks.

The need for a terminal may arise if the turnover exceeds 30,000 rubles per day. Otherwise, the installation of the terminal is usually not beneficial for either the bank or the seller.

To install the terminal you need:

1. Determine the need to install the terminal at the point of sale.
2. Choose a bank that meets the requirements. Some banks charge a commission as a percentage of the seller's turnover. Other banks charge fees ranging from 1.8% to 15%.
3. Study the offers of processing companies. Small individual entrepreneurs can use mobile acquiring.
4. Choose the offer that best suits your needs. To do this, visit several banks, for example, Sberbank, Alfa-Bank, VTB-24, BinBank and others.
5. Collect Required documents for submission to the acquiring bank. These should be documents legal entity, bank account and bank details.
6. Apply.
7. Sign an agreement with the bank.
8. Wait for representatives of the bank and the installer of the equipment.

The bank, in turn, is obliged to provide training for your staff, maintenance of the terminal and fully comply with the terms of the contract.

Acquiring in Sberbank of Russia

The most common cooperation with Sberbank is in the installation of terminals. For 2017-2018, Sberbank offers:

• partnership programs. What franchises does Sberbank of Russia offer for its customers - read;
• fast refund;
• favorable terms of service;
• per month you will pay for equipment from 1800 to 2300 rubles (depending on the tariff plan);
• the price for servicing Sberbank cards is lower;
• the average commission percentage is within 0.6% - 2.5% of the accepted amount.

The application can be submitted online through the official website of Sberbank.

Conditions in VTB-24

• installation, consumables, staff training - free of charge;
• holds all kinds of cards;
• contactless reception is possible (if the card has a chip);
• the higher the turnover, the lower the commission percentage;
• all other services are paid depending on the number of terminals, types of cards, acquiring service package;
• merchant acquiring of the regular tariff - 1.6%;
• mobile - an average of 2.5%;
• Internet acquiring - from 3%;
• security is provided by the latest IT-technologies;
• it is possible to introduce a salary system;
• adaptation of acquiring system programs to 1C-Accounting, which can fully automate cash register postings.

VTB-24 assures that cooperation with it is ideal for small and medium-sized businesses.

Offers from other Russian banks

Alfa Bank was one of the first to offer acquiring on the Russian market. To date, the bank offers, in addition to standard services, a commission of 1% from Altyn cards and 3% from MasterCard, Visa and Maestro.

CenterInvest will provide benefits if you open a current account in the bank of the same name. All other conditions are standard.

There are hotlines through which each bank provides complete information on acquiring service packages.

Important! Installation of equipment, training, provision of consumables and 24/7 technical support are a standard set of services that respected banks provide to clients. It is necessary to clarify what benefits, tariffs and interest are set by the bank.

Regarding interest, it is important to determine whether the commission is charged from the amount of payment for each purchase or from turnover.

After receiving complete information from each bank, once again calculate the amount of turnover, the average traffic of the outlet, the costs that you may incur after installing the terminal and add 20% to the average daily revenue.

Practice shows that the appearance of calculator-sized terminals at the checkout really increases the level of sales. The only thing you need to think about is which bank to choose.

You can learn how to install the Qiwi payment terminal in this video: