How to install a payment terminal. Mobile terminals for card payments – convenience for the buyer, benefit for the seller

Small businesses belong to the segment of large clients of the banking market. Despite its small turnover, it has similar service and technology requirements to the corporate sector.

Installation and use of POS payment terminals or banking acquiring services are in great demand today, provide a lot of opportunities and have many advantages.

Read more about the operating principles, features and types of such services below.

POS terminal - what is it?

In most cases, the main purpose of small business representatives turning to a bank is to obtain settlement and cash services.

Payments to counterparties and tax authorities, operational management of balances, cash collection - this is not a complete list of services related to cash settlement services (cash settlement services).

The installation of non-cash payment terminals also refers to the type of service under consideration and involves debiting funds from the bank card holder’s account to the seller’s account.

Payments using plastic cards have become an integral part of the life of a modern person. Today, almost all stores and service centers are equipped with special terminals for accepting non-cash funds.

Such devices are called POS terminals (Point-of-Sale - point of sale).

At all points of sale where non-cash payments by bank cards are accepted, a sticker with the logos of all payment systems whose cards can be used to pay the bill through this POS terminal is placed at the entrance or near the cash register.

How does it work

The modern level of technology allows you to make a payment using a POS terminal in a matter of seconds. The details of this process are as follows:

1. The client informs the cashier or seller of his intention to pay for the purchase using his bank card.
2. The cashier asks him to present an identification document (especially if the amount is significant).
3. The seller inserts the card into the POS terminal, thereby activating it. The client is asked to enter his PIN code.
4. Card information is transferred to the processing center.
5. The system checks the balance on the client's card.
6. If there is a sufficient amount, funds from the account are transferred to the account of the acquiring bank.
7. A slip is printed in two copies - a payment document with information about the transaction performed.
8. One copy of the slip (with the client’s signature) remains with the cashier, the second (with the seller’s signature) is given to the buyer.
9. The bank transfers the money received from the client to the company’s account minus a pre-agreed commission.

When using banking acquiring services, a company can:

• connect your cash register directly to the payment system;
• rent a POS terminal;
• use your terminal for cashless payment.

At the same time, there are several types of POS terminals that differ in functionality, capabilities, cost and some other parameters.

Types of acquiring

There are 3 types of banking acquiring and POS terminals:

Trade

Trade POS terminals are installed in trade and service organizations (shops, hairdressers, cafes, hotels, etc.) and have a distinctive feature of direct contact between the seller and the buyer.

An agreement is concluded between the supplier and the recipient of the service of using a trading POS terminal. In accordance with it, the bank installs the necessary equipment, licensed software (software), provides consumables, and provides free training to employees. At the same time, the owner of the outlet undertakes to create the necessary conditions for installing terminals and accept bank cards for payment for goods and services.

The considered type of POS terminals is the most common and popular.

Internet acquiring

This type is characterized by the absence of direct contact between the buyer and the seller. Online, the client can quickly and easily pay for a product or service using his card in any online store. To do this, you must enter the card number, expiration date, last name, first name of the holder and CVC2 code. As a rule, money is written off instantly after confirmation using the sent password.

Mobile

As an additional or alternative to the traditional one, you can choose to install a mobile POS payment terminal (mPOS). It is a card reader that connects to the phone using a special mobile application and provides the ability to transfer money from the client’s account.

Let's take a closer look at this type of terminal.

Mobile payment terminals with bank cards

The use of mobile payment terminals with bank cards is a new direction in banking acquiring with broad prospects in the future. Their use when paying with cards will be convenient for couriers, taxi drivers, employees of repair and service organizations, tutors, brokers, movers, private doctors, craftsmen and other workers providing field services.

For entrepreneurs with a turnover insufficient to install traditional POS terminals, this type of acquiring is the best solution.

Since 2012, proposals for the use of mPOS payment devices have appeared in Russia for the first time. The largest banks began to cooperate with such mobile acquiring services as Pay-me, 2can, LifePay, SumUp and iPay.

Principle of operation

The operating principle of such cashless payment devices is very simple. An entrepreneur buys a card reader and installs the necessary application on a smartphone or tablet. After registration, he receives a full-fledged mobile terminal that operates on a 3G network and accepts payments by bank cards.

Price

The cost of a card reader depends on the requirements of a small business representative and starts from 3 thousand rubles. However, many companies offer readers for free or compensate their cost by charging a commission.

The average market size of the latter ranges from 2.5 to 2.75% of the transaction amount and does not depend on the organization’s turnover.

Kinds

Mobile payment terminals can be divided into the following types:

Connectable via Bluetooth, USB port or audio jack

The most inexpensive and versatile devices are those connected via an audio jack or based on a mini-jack. Bluetooth-based terminals provide full authorization by entering a PIN code when paying.

Reading CHIP, magnetic stripe or combined

In Russia, the vast majority of devices are offered for cards with a magnetic stripe.

Digital and analog

Digital terminals encrypt data read from the card before transmission to the phone and are resistant to possible errors and interference.

Advantages

The use of mobile POS terminals has a number of advantages compared to traditional cashless payment devices:

• mini-terminals are much cheaper than regular terminals, which provides some savings at the system implementation stage;
• mPOS terminals have increased mobility and portability due to the possibility of use in companies and organizations without computers and a constant source of electricity;
• high level of safety and security for both parties to the transaction;
• the opportunity to work, sell goods and provide services around the clock.

Mini-terminals allow you to launch a project quickly, with minimal costs and low commissions. To do this, you only need a smartphone and an mPOS terminal.

Flaws

The existing disadvantages include the following:

• a narrowed circle of banks providing mobile acquiring services;
• there is a certain mistrust on the part of cardholders;
• duration of the payment procedure (to do this, you need to connect the terminal, launch the application, complete the required steps in its menu, and obtain the client’s signature);
• lack of guarantee of work in an area of ​​uncertain reception.

Analysis of offers from 2can, LifePay and Payme

The three projects under consideration are the most popular mPOS terminals on the market. Below is a summary table with the key conditions of mobile acquiring.

For entrepreneurs with a turnover of over 1 million rubles, such companies are ready to provide commission discounts and more favorable terms of cooperation. In general, the conditions for the proposals considered are similar, with the exception of the cost of the terminal in Payme, which is slightly higher than the others.

The nuances of using POS payment terminals for small businesses

The use of cashless payment terminals opens up many opportunities for small businesses:

• statistical data indicate a natural increase in sales volume by 20-30% after the installation of cashless payment devices (this is due to the fact that cardholders are prone to more expensive purchases);
• cooperation with a bank that provides acquiring services allows you to count on preferential offers and favorable conditions for other products;
• the use of POS terminals eliminates such an unpleasant phenomenon for any business as the circulation and detection of counterfeit banknotes;
• Free training of the organization's employees in the necessary skills and knowledge is possible.

conclusions

Of course, installing POS terminals is beneficial not only for small businesses, but also for the banks themselves. A significant share of the Russian acquiring market is divided between such major participants as Sberbank, UCS, Gazprombank, VTB and Russian Standard. They account for approximately 74%.

Before making the final decision to install a cashless payment terminal in your company, it is important to study in detail all the offers, tariffs, their differences and advantages available on the market. Based on the requirements and specifics of the work, you can choose the optimal and profitable offer.

Every year, more and more entrepreneurs and small businesses join non-cash payment systems for their goods and services, while receiving many opportunities and additional profits.

Acquiring allows you to accept payments using bank cards with minimal costs and maximum convenience, which is especially valuable for individual entrepreneurs and mobile businesses.

Video - a review from an entrepreneur about using a mobile payment terminal with bank cards:

Discussion (9)

Acquiring from MIRBEZNALA for your money turns out to be the best option. With large sales volumes it comes out for adequate money. I filled out the form, paid and immediately received my terminal. The convenient thing is that you pay only for operations, there is no monthly fee. Consider this good advice ;)

A video has appeared online about how, in fact, it’s easy to withdraw money from an unsuspecting store visitor using a POS terminal. While the man is busy with something at the slot machine, the owner of the terminal successfully debits a certain amount from his contactless bank card lying in the back pocket of his jeans.

I wanted to organize the possibility of paying by bank cards for my pet store. I contacted the bank. It turned out that it was tin. They will charge a 2.5% commission on each payment. MIRBEZNALA solves this problem in a more convenient way. You buy a terminal, although it’s not cheap, but if you do the math, I still get it cheaper. Then you arrange acquiring through the desired bank with a minimum percentage and accept payments. I was also pleased that all payment data is visible in the service interface: date, time, amount.

I, too, can’t go anywhere without a card, so what, everything is correct now in all stores they are accepted, thanks to such terminals, everything is very convenient and fast, you don’t need to look for change in your wallet, and the payment process for the purchase goes faster. For those who haven’t installed it yet, think about it, there will be more buyers!

This is for sure, probably few people work without such terminals, because it is more convenient for the buyer to pay with a card than to look for the required amount in a wallet. And it seems to me that even children have cards, mine definitely do, so you can control your purchases, it’s necessary!

The abbreviation POS (short for “Point Of Sale”) literally means “point of sale.” Accordingly, a POS terminal is a device that performs a number of functions for the successful functioning of a retail outlet (for example, accounting and sale of goods). I already have a good, necessary device at all points of sale, but how can I work without it?

A POS terminal is one of the components of a successful business. This is also due to the fact that more and more different cards with cash back are appearing on the market. Therefore, for many people these are pleasant little things in the form of savings.

A POS terminal is a necessary thing for any entrepreneur, regardless of what he does. I have a small chain of stores in the city and the terminals were not installed in them at the same time, due to certain circumstances. Revenue per shift in stores with and without cashless payments differed quite significantly. One day I decided to ask the sellers, the “lagging” store, what was the matter? And then the girls asked me to quickly install a POS terminal for them, because they are losing a lot of customers due to the fact that they have to go look for an ATM... and not all of them come back.

We are a branch of Igolochka in Stavropol, we have wholesale sales. The issue of installing a POS (trade) terminal did not arise until clients began to ask. Cashback on bank cards has made paying for purchased goods popular. For us it's more of a hassle. It takes a lot of time to serve one client. A queue begins to form. The reason is the long response from the terminal. We hope that this problem will be resolved soon.

Terminal for payment by bank cards

Just recently, disputes between entrepreneurs on forums continued about whether it was necessary to install a Sberbank payment terminal in their stores? Some people say with confidence that this service is simply necessary, and besides, it is convenient not only for buyers, but also for sellers, and for money circulation itself. Others insist that there is no urgent need to install terminals. Today, these debates continue, but not for everyone, because there are also those who are required by law to install similar equipment in their stores. Let's talk about Acquiring.

Payment terminal – right or obligation?

At the end of spring 2014, a Federal Law was adopted concerning trade organizations operating in Russia. The essence of the new act is that all stores whose annual profit is more than 60 million rubles must provide their customers with the opportunity to pay not only in cash, but also with bank cards. There are no exceptions for categories of trade - all trade enterprises must follow the law.

Officials, introducing such a law, explained their point of view. Today, 1/3 of Russians not only have their own card in one of the banks, but also actively use it when paying for purchases. In addition, this payment method is much more convenient than cash payment - errors in transferring funds are eliminated, and there is no need to store change and banknotes in your wallet. In addition, the seller cannot increase the price when selling, which is also a definite plus.

The law also states that enterprises with a smaller annual profit do not need to use POS terminals.

If you refer to Article 14.8 of the Code of Administrative Offenses of the Russian Federation, you can find out what consequences await those who do not comply with the requirements of the law. Rospotrebnadzor monitors implementation. Specialists of this organization are engaged in conducting inspections and establishing facts of violations. Subsequently, the unscrupulous entrepreneur is issued a fine, although an employee of the enterprise may also suffer.

So, if a client is refused to pay for a purchase with a bank card, employees will have to pay a fine of 15–30 thousand rubles. For entrepreneurs, the fine is slightly larger - from 30 to 50 thousand rubles.

Small entrepreneurs do not face fines; it is their own business whether to install terminals or not. But you need to understand that some clients can only pay with a bank card. If the store does not provide such an opportunity, the consumer will leave without purchasing. And if there are many such people, then the losses become very noticeable. That’s why POS terminals are now being installed by small business owners.

What needs to be done to install a terminal for paying with Sberbank bank cards?

In order to install a Sberbank pos terminal, you need to get a current account if you don’t already have one.

A current account can be opened not only with Sberbank, but also with any other credit institution.

When installing a payment terminal, Sber employees open a transit account. All funds from customer cards are credited to it. After this, they are transferred to the businessman’s account. You need to understand that in such a situation the money will take a little longer than if the account was opened directly with Sberbank.

All these operations cannot take more than 6 days. Three days are given for processing funds in a transit account, three days for transferring funds to a current account. Six days is the maximum period; in practice, everything happens much faster. Funds are transferred within 2-3 days after the customer makes a purchase.

We are preparing a package of documents necessary for installing the terminal

You need to understand that installing payment terminals is a serious matter. Therefore, you cannot do without collecting a package of documents. Entrepreneurs with a business of any organizational form must provide a document indicating the existence of ownership rights or ownership. In the latter case, it will be a lease agreement. You don’t have to take the paper itself with you to the bank, but you will have to make a notarized copy.

An agreement for the installation of POS terminals can be concluded only after bank employees check the entrepreneur’s outlets. If everything is in order, then the equipment can be installed after 10 days from the date of signing the agreement. Sometimes the term may be slightly different; here it is important to study the text of the contract in order to be sure of the legality of your own actions.

I don’t have a current account with Sberbank – what should I do?

Today, not all organizations have a current account. If an entrepreneur has a desire to install bank card payment terminals, then he will have to register it.

In the case where there is a current account, but it is registered in another bank, the package of necessary documents will be much larger, and they are different for individual entrepreneurs and legal entities.

Documents for individual entrepreneurs

For individual entrepreneurs, the list of documents that must be submitted looks like this:

• copy of the individual entrepreneur's passport;
• notification from Rosstat;
• an extract from the Unified State Register of Individual Entrepreneurs issued no more than a month ago;
• a copy of the document confirming registration with the tax service;
• You may also need a copy of the license if it is necessary to carry out the activity;
• current account information.

Documents for legal entities

Legal entities must provide the following package of documents:

• an extract from the Unified State Register of Legal Entities received no later than a month ago;
• notification from Rosstat;
• a copy of the organization's Charter;
• a copy of the passport of the authorized manager along with a copy of the order as a result of which he was appointed manager;
• a copy of the memorandum of association in the latest edition;
• a copy of the state registration certificate;
• a copy of the document confirming registration with the tax service;
• current account information.

All copies of documents must be certified by the manager in accordance with the rules for maintaining personnel documents. If the organization has a seal, then they also put it on it.

credituy.ru

Installation of a terminal for payment by bank cards: description of the procedure:

When running a business selling goods or providing services, many useful modern systems are used. It will be necessary to install a terminal for paying with bank cards. According to the law, if the profit per year is more than 60 million rubles, then the business owner must provide customers with the option of non-cash payment. You can install the device from any bank, but in our country they usually install a Sberbank terminal. More details about its connection are described in the article.

What it is?

An acquiring terminal is a device that performs:

1. Reading information from a plastic card that the buyer uses to pay for goods or services. It may have a magnetic stripe, a chip, or a contactless module.
2. Transferring the read information to the acquiring bank.
3. Transfer of identification information certifying the user's permission to pay the bill. To do this, enter a PIN code.
4. Reception of processed information.
5. Confirmation of payment by providing a receipt.

Installing a payment terminal for paying with bank cards allows you to quickly and conveniently accept non-cash payments. This simplifies the customer service procedure.

Advantages

Bank cards are becoming a popular means of payment every day. It is beneficial for entrepreneurs to open electronic devices for non-cash transfer of money for goods and services. Installing a terminal for paying with bank cards for individual entrepreneurs has the following advantages:

1. Card users are more willing to purchase many goods where there is the possibility of non-cash payment, which affects the attraction of customers.
2. People are not limited by the amount of cash, which increases the average check, and therefore the store’s turnover.
3. Unplanned purchases are more common among card users.
4. There is no risk of receiving counterfeit bills.
5. The cashier's job becomes easier and more convenient.
6. Queues at the checkout are reduced.
7. Due to the small amount of cash in the cash register, the time of recalculation during collection is reduced.
8. Reducing collection costs.

Installing a terminal for paying with bank cards will help prevent fines, since the law will be followed. After all, Rospotrebnadzor employees carry out checks to ensure compliance with legal requirements.

Fines can be in the range of 15-30 thousand rubles for an employee of a retail establishment who refuses to serve by bank transfer. And the business owner will have to pay 30-50 thousand rubles.

Installation procedure

An entrepreneur must open a current account, which can be opened at any bank. Installing a terminal for paying with Sberbank bank cards involves going through the following steps:

1. Submit an application to the bank, give a list of documents.
2. Discuss the details with a specialist.
3. Conclude an agreement for the provision of acquiring services.
4. Bank employees install the device and software, and train staff to use the device. All this lasts 10 days after signing the contract.

This concludes the procedure. When store employees can operate the device, it is possible to work with cashless payments. It is advisable to place an advertisement about this.

Documents for individual entrepreneurs

In order to install a Sberbank terminal in a store for paying with bank cards, the individual entrepreneur provides:

1. A copy of your passport.
2. Notification from statistical authorities.
3. Extract from the Unified State Register of Individual Entrepreneurs.
4. A copy of the state registration paper.
5. A copy of the Taxpayer Identification Number.
6. A copy of the license.
7. Current account details.

These documents are provided along with the application to open a terminal. Only with a complete set does the registration process take place.

What do legal entities provide?

Installation of a terminal for payment by bank cards for legal entities requires the provision of the following documents:

1. Extract from the Unified State Register of Legal Entities.
2. Alert from Rosstat.
3. A copy of the constituent agreement.
4. A copy of the charter.
5. A copy of the manager’s passport and the order of his appointment.
6. A copy of the state registration certificate.
7. A copy of the tax registration paper.
8. Current account details.

All designated documents must be certified by management’s signature and seal. A complete list of papers makes it possible to quickly draw up a contract and install the device.

How is money transferred?

Under the acquiring agreement, Sberbank issues the client a transit account in which the funds transferred from the buyers’ cards will be stored. Then the money is transferred to the current account. In this case, a commission for transactions is calculated. The maximum period for receiving funds through acquiring is 6 days (if the account is opened in another bank).

Usually the amount is transferred to the current account within 1-2 days after payment. The price of providing services for non-cash payments to customers is influenced by the store’s turnover, the number and type of POS terminals used, which the organization can buy or rent. Acquiring tariffs are also determined based on the average bill. The higher the turnover, the lower the commission for bank services. Installing a terminal for paying with bank cards is beneficial for every store, since most customers switch to this payment method.

Types of cashless points

Devices are stationary and mobile. Which device will be chosen depends on the operating conditions of the retail establishment. Stationary devices are usually located in a service room or office, where it is possible to ensure uninterrupted operation of the equipment. In stores these are cash registers.

If services are provided on-site, then you need a mobile device that has a wireless communication module. It turns out that you can pay with it not only at the checkout. A representative of the institution provides the client with a mobile POS terminal for payment. You must enter a PIN code, after which the money will be debited and a receipt will be provided.

The transfer is carried out by a remote PC with an installed application from Sberbank, with which the device is in communication. A mobile device is considered easier to install and maintain compared to a stationary one. This device is less expensive and more preferred by organizations with low turnover.

Main elements of the acquiring complex

Installing a terminal for paying with VTB or another bank bank cards allows you to automate the process of paying for purchases. The device includes several elements. The acquiring complex consists of:

1. Monitor. Using the device, the operator controls the entered information about payments and goods.
2. System unit. It carries out procedures for processing and storing transaction information.
3. Buyer display. The client can control information about the product, its cost and quantity.
4. Keyboards. Used to enter product information.
5. Card reader. It can be built-in or free-standing.
6. Printing device. Required to receive a check.
7. Fiscal part. Used for online storage of banknotes. They can be mechanical or automatic.
8. Software.

The terminal is similar to a cash register in that it allows you to carry out trading transactions. But, in addition to recording sales, the device accumulates other information, for example, prices, descriptions, expiration dates of goods.

Thus, having a terminal in the store allows you to enjoy many advantages. Moreover, this is convenient not only for sellers, but also for buyers. That is why many entrepreneurs connect this device to work in their store.

businessman.ru

Trade acquiring of Sberbank - terminal for payment by bank cards

Trade acquiring is the acceptance of bank card payments for goods and services offered by your organization. The largest acquiring bank in Russia is Sberbank, and it has its own processing center, which significantly improves the quality of service compared to competitors and the security when accepting payments, including the confidentiality of payment information.

Sberbank also provides Internet acquiring for online stores; this service can be activated either separately or as part of trade acquiring along with connecting a terminal for paying with bank cards.

You can accept payments online on websites, social networks, applications, or issue an invoice to clients by email.

Mobile mPOS terminals are also provided for accepting card payments using a smartphone or tablet on Android or iOS.

Connect

The percentage for acquiring in Sberbank (including Internet acquiring for online stores) depends on the turnover of bank card payments - from 1.8% to 2%. An individual tariff is also possible depending on the type of terminal and bank cards used by clients. You can calculate your traffic by submitting an application on the bank’s official website.

With the advent of plastic payment cards, the circulation of cash not only in Russia, but throughout the world began to sharply decrease. Now buyers prefer to pay non-cash. For this reason, it is quite reasonable for store owners to install a card terminal.

If your store’s revenue is at least 60 million rubles per year, this condition is mandatory. Failure to comply will result in a fine being imposed on the store owner.

POS terminal: what is it and how does it work

POS terminal (short for English) point of sale - point of sale) is equipment with the help of which funds are debited from the buyer’s account in favor of the seller. The device communicates with the buyer, approving or prohibiting withdrawals.

If the store has several cash registers, then the terminals can correspond to their number. At the same time, the equipment itself can be either stationary or mobile (for example, for waiters, couriers, etc.). The connection is established via the Internet.

Purchase, installation, configuration

In order to equip your enterprise with a card terminal, you need to go to the bank and enter into an acquiring agreement, after which an additional one will be opened for the organization, which will receive funds received through the terminal.

The purchase and installation of terminal equipment requires the provision of the following documents for individuals:

• passport and its photocopy
• notification received from a statistical office
• Unified State Register of Individual Entrepreneurs (USRIP) extract valid at the time of submission of documents (within 1 month)
• certified (with blue seal and signature) copy of the individual entrepreneur registration certificate and TIN
• a certified copy of the license to carry out trading activities (if the product category is included in the list required for licensing)
• information on account

For legal entities:

• extract from the Unified State Register of Legal Entities, valid at the time of submission of documents
• notification from the statistical office
• certified copies of the following documents: the charter of the enterprise, the director’s passport and the order for its approval, a certificate of registration of a legal entity and that its activities are subject to taxation, information on the account

Equipment can be rented from the same bank, and the conditions for its acquisition and operation will be specified in the contract. The terminal can also be purchased, which will be reflected in the expense reports. The setup and maintenance of the equipment will be handled by the organization that issued it.

Benefits of using the terminal

The acquiring service (accepting payment for goods using a bank card) is a big advantage over those stores that do not have such a function:

Imagine a situation where a client is ready to make a large purchase, but you do not have terminal equipment. What are the chances that he won't change his mind on the way to the ATM and back?

How much does a payment terminal cost?

Typically, the clause on renting terminal equipment from a bank does not entail additional costs, since they are already included in the commission fee. However, in the case when the monthly turnover of non-cash money does not exceed a certain limit (each bank has an individual limit), then using the terminal can cost the entrepreneur the amount from 500 rub. up to 3 thousand rubles per month.

Where are the best acquiring conditions?

There are several factors that may influence the decision when choosing an acquirer:

• Commission. It looks like a deduction to the bank. Each financial institution charges a different percentage for the service. In addition, always pay attention to the “fine print” - the contract may state that the commission fee may increase
• Working with different types of cards. The bank’s cooperation with various payment systems (Visa, MasterCard, etc.) is of great importance. Of course, it is better to use the multifunctional option
• Timing of the operation. The average duration is from one to three days. But there are also banks that process payments within a week

One of the most important points is the level of service. This includes:

• training staff to work on terminal equipment (not only directly with the device, but also reporting, etc.)
• a bonus system that works for the buyer if he purchases goods in a specific store, which is an additional reason to attract customers
• information control, which involves the bank providing statements of transactions performed, reporting failures in the system, possible episodes of fraud, etc.
• technical maintenance is perhaps the main service that is provided to the store in the event of equipment breakdown (it is advisable that this be done around the clock and upon request)

Operating principle of POS equipment

1. insert the card into the terminal (if there is no chip, then you need to swipe the magnetic stripe in a special compartment or simply touch the plastic to the screen if the card has the possibility of contactless payment)
2. enter the required amount, approve
3. when requested, the buyer enters the PIN code, approves
4. the terminal displays the result of the actions performed (approved, insufficient funds, etc.) and prints two checks: for the client and for the bank. If the operation was successful without entering a PIN code, then the client must sign the bank check

The timing of debiting and receiving funds can vary from three days depending on the servicing banks. If the seller has evidence that the buyer is not the owner of the card, he has the right to seize the payment instrument and call law enforcement agencies to clarify the circumstances.

The foreign practice of non-cash payments is gradually becoming part of the everyday life of the Russian citizen. Any legal entity or individual can install a terminal for paying with 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 characteristics and tariffs. Before signing an agreement, you need 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 commonplace thanks to supermarkets. The use of acquiring is expanding its boundaries and can now be seen in small stores of individual entrepreneurs.

Acquiring is a bank service that allows sellers and buyers to carry out the process of paying for purchases by bank transfer. You can find out how this is done in the article at the link.

Installation of a terminal for payment by bank cards is carried out by the bank, with which the legal entity signs the corresponding agreement.

It can be installed by a person who has a bank account. Therefore, those individual entrepreneurs who keep pace with progress must necessarily open a bank account.

All transactions using the terminal for payment with plastic cards will go through a current account. Find out what documents are required to open a current account for an individual entrepreneur.

Installing a 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 a bank card payment terminal functions in practice – see here:

What types of payment terminals exist in Russia

Currently, there are three types of acquiring.

Trading – installed in trading floors, stores and is intended for payment for purchases and services. More and more often you can see a grocery tray where such a terminal is installed. Operating principle: the owner of a solvent card pays for the purchase - a signal from the terminal is sent to the acquiring bank, which sends a request through the payment system to the bank servicing the buyer’s card.

The money is transferred to the seller’s declared account and the response is returned to the terminal, notifying with a signal about the transaction completed. The buyer, if he has a mobile alert system enabled, receives an SMS message from the card issuing bank about the amount withdrawn and the account balance.

Internet acquiring is one of the ways to pay for goods from online stores. It is not always possible to distinguish a plastic card from other payment methods. The banks themselves do not specify their tariffs and often change them. The phenomenon in Russia is new and not entirely mature.

You can find out which ones exist and how to choose the most successful and cost-effective one by following the link.

The movement of funds occurs according to the following scheme: payment for a product in an online store - information goes to the processing center - from there to the acquiring bank - then to the issuing bank - debiting funds from the buyer’s card to the organization’s account 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 are the benefits of installing a terminal?

The psychology of the buyer is such that non-cash 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 the retail outlet to install a terminal. When there are quite a lot of offers, and traffic suggests an increase in sales, then installing such equipment is quite advisable. 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’s easier to count revenue at the end of the day and make a report;
• the cashier cannot make a mistake when giving out change;
• there is no chance 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;
• safety of the seller and 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 a retail outlet, then a breakdown can lead to customer dissatisfaction. Repair or replacement takes some time;
• Each bank has its own refund period;
• money can go to the seller’s account from a few minutes to three days (depending on the bank);
• choosing a suitable bank;
• it is difficult for the buyer to track their expenses. Spending occurs much more unnoticed than with regular cash payments.

What is needed to install a card payment terminal

A cashless payment terminal is needed by those persons who provide services, goods and, due to their activities, are, accordingly, individual entrepreneurs, LLCs, CJSCs 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, installing a terminal is usually not beneficial for either the bank or the seller.

To install the terminal you need:

1. Determine the need to install a terminal at a point of sale.
2. Select a bank that meets the requirements. Some banks charge a commission based on a percentage of the merchant's turnover. Other banks have commissions 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 requirements. To do this, visit several banks, for example, Sberbank, Alfa Bank, VTB-24, BinBank and others.
5. Collect the necessary documents to submit to the acquiring bank. These must be documents related to the legal entity, bank account and bank details.
6. Submit an application.
7. Sign an agreement with the bank.
8. Wait for representatives of the bank and the equipment installer.

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

Acquiring at Sberbank of Russia

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

• partnership programs. What franchises does Sberbank of Russia offer to its clients - 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 at VTB-24

• installation, consumables, personnel training – free of charge;
• carries out all types 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;
• trade acquiring regular tariff – 1.6%;
• mobile – on average 2.5%;
• Internet acquiring – from 3%;
• security is ensured 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 transactions.

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. Today, 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 round-the-clock technical support are a standard set of services that reputable banks provide to clients. It is necessary to clarify what benefits, tariffs and interest are established by the bank.

Regarding interest, it is important to determine what the commission is charged on - 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 expenses that you can incur after installing the terminal and add 20% to the average daily revenue.

Practice shows that the appearance of terminals the size of a calculator at the checkout actually increases sales. The only thing you need to think about is which bank to choose.

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