If your business operates in the b2c segment, then it is important to provide your customers and customers with a variety of payment methods. And although cash payments are still the most popular option, every third purchase is already paid for by a card. Do you want to increase turnover in your business? Learn about the benefits of merchant acquiring and what it is.
The answer to the question: "Merchant acquiring - what is this function?" easy to get in practice in any supermarket and even a small shop. This is a payment in which the buyer pays with a bank card - debit or credit through a special device (terminal).
Depending on the type of connection - Internet or GPRS - terminals are divided into fixed and portable. Card payments through such terminals are called merchant acquiring. If, instead of a terminal, a card reader is used, for which you need to connect a smartphone or tablet, then such acquiring is called mobile.
According to some forecasts, the share of card payments by the end of 2018 will be 40%, and by 2020 it will grow to 50%.
Why card payments will increase your revenue? There are several reasons for this:
As for the sellers themselves, for them, acquiring eliminates the cost of cash collection and negates the risk of receiving counterfeit banknotes. If the turnover of your outlet exceeds 40 million rubles a year, then under the law "On Protection of Consumer Rights" you are obliged to provide the buyer with the opportunity to pay with cards of the national payment system "Mir".
Installation of a card processing terminal is possible both with and without a cash register. If you are now exercising the right to defer the use of cash registers, you can only install a terminal. But at the same time, do not forget that there is only a year left until the date from which those who are now issuing a BSO or a sales receipt will be required to use the cash desk. When choosing a terminal, specify which cash register models it works with. It is advisable to install a model that is compatible with most cash registers.
Despite the speed and apparent simplicity of card payments, acquiring is a complex technical process. The amounts from the buyer's card are not credited immediately to the seller's account, but go through an intermediary - the acquiring bank.
Not every bank can be an acquirer, but only one that meets the requirements of payment systems. The most common of them are Visa and Master Card, and now they have been joined by national system World.
The acquiring bank must have a special processing center and provide fast communication using data transfer protocols. In addition, the bank monitors the availability of the required amount of money on the card, and if it is insufficient, it blocks the purchase process.
After debiting the purchase amount from the card, the money goes to the acquirer, and then (usually on the next business day) is transferred to the account of the seller or contractor minus the commission. That is, given the important role of a credit institution in this matter, one must ask the question: "Acquiring for individual entrepreneurs - which bank to choose?"
Of course, when choosing a bank for acquiring, as well as when opening a current account, one must take into account its popularity, stability, high rating and participation in the deposit insurance system. We conducted a small study on the topic "Merchant acquiring - comparison rates" of well-known banks and suggest that you familiarize yourself with it.
Acquiring from Tinkoff Bank is interesting for the following features:
We have summarized the data on the commission for the services of Tinkoff Bank in the tables "Merchant acquiring tariffs comparison" .
For the purchased terminal
For a terminal received for free rent
How to connect Tinkoff merchant acquiring:
The peculiarity of acquiring from Alfa-Bank is mobile version terminal for receiving bank cards. Such a Pay-Me terminal is not inferior to classic POS terminals either in terms of processing speed or security, but at the same time it is more compact.
The device costs from 8,100 to 8,700 rubles per unit and works when connected via Bluetooth to a smartphone or tablet. The amount paid by the buyer or client is credited to your current account on the next business day. The commission for making a card payment is from 2.5% to 2.75%, but not less than 3.5 rubles for one payment.
How to activate the acquiring service in Alfa-Bank:
If we talk about classic merchant acquiring with connection to stationary terminals, then Alfa-Bank also provides this service, but on individual conditions. In this case, a separate Internet line is required, subscription fee, and for the coordination of tariffs, the turnover of the seller is taken into account.
Are you going to open a checking account? Open a checking account in reliable bank- Alfa-Bank and get for free:
- free account opening
- first foreign currency account
- certification of documents
- Internet bank
- and much more
If we discuss merchant acquiring (tariffs, comparison) when connecting this service through the largest Russian bank, the following features can be noted:
To find out everything about merchant acquiring - tariffs, comparison of connection and operation conditions - it is better to contact the bank where you have already opened a current account. Depending on the city and the estimated turnover, you will be offered different conditions, so no definitive recommendations can be made here.
Acquiring is the acceptance of cards to pay for goods. To provide the service, the bank installs terminals in retail chains. Recently, in addition to standard devices, portable devices have become popular. mobile terminals, allowing you to make payments without reference to the location of the office. Which device is better to choose and how to activate the service, read on.
To use the service, you need to conclude an acquiring agreement. It will specify the terms of service, the size of the commission, the period for reimbursement of funds, etc. Installation and connection of equipment, personnel training is free of charge. Some banks offer to rent a terminal. This service allows the point of sale to increase the number of customers, the turnover of funds, reduce the risks of cash payments and collection costs (for large turnovers). According to statistics, the use of terminals allows banks to attract 20-30% of customers.
Acceptance of cards for payment for services in Russia has become mandatory for stores and trade enterprises. Not so long ago, a law was passed according to which organizations that do not accept plastic have been fined 30-50 thousand rubles since 2015. Payment by acquiring attracts more visitors (especially tourists).
The higher the amount of the check, the higher the probability that the client does not have enough cash to pay. In the segment of restaurants and shops specific gravity acquiring is growing. In 2015 alone, the number of transactions through plastic cards increased by 18%.
Alfa-Bank and other credit institutions serve both new and existing clients. Having an account is not essential. It's just that new customers will have to submit more documents to conclude a contract.
The minimum set includes cards If the sales network is aimed at government agencies, you should also connect Maestro, MasterCard Electronic. But Diners Club, American Express, as well as Gold cards and Platinum cans given only to very wealthy clients.
Terms of refund - 1-3 days. If the organization has an account with the acquirer, then total amount transactions minus the commission is credited the next day. If the main service takes place in another organization, then it takes another three days. Some financial institutions are waiting full refund from the systems side and then carry out the transfer. Then the terms are stretched to three to five days. If there is no possibility or desire to wait, you can order for a fee urgent processing payments.
The reward is determined as a percentage of the purchase amount. The amount is set for each network separately and depends on such factors: field of activity, average monthly turnover, period of work on the market, type of connection, etc. The acquiring commission also depends on intermediaries. From the remuneration received, a certain percentage (most often 1.1%) is transferred payment system, another part - to the issuing bank. Due to the high competition for acquiring, the rates of banks on average fluctuate between 1.5-4% of the transaction amount.
The more transactions, the lower the service fee. For clients with small turnovers, a subscription fee for using the device may be provided. The way information is transmitted (Internet or wired) also matters.
How to set up acquiring? Alfa-Bank or another credit institution, after signing an agreement with a client, provides the company with special equipment and programs. Today, POS-terminals are used (Point Of Sale - “point of sale”). This device reads information from the card and contacts the bank. Terminals are conventional and wireless. The latter are more suitable for waiters or couriers. Devices read magnetic tapes and chips.
Information can be sent to the bank through:
Together with the delivery of the equipment, the banks conduct staff training, telling the employees how to use the machine and cancel payments. A brief instruction on how to set up the device, if necessary, is also given. Here's how acquiring works.
A fee may be charged for connecting and configuring third-party equipment. The advantage of using bank terminals is that if they break down, replacement or flashing is free of charge. This must be taken into account before making an acquiring. Tariffs of banks provide for “thresholds” for card transactions. For example, if the amount of transactions per month is less than 50 thousand rubles, a commission may be additionally provided in the form of a fine or an account maintenance fee.
Connecting to the service is easy. But before signing an acquiring agreement, you need to carefully study the offers of banks. When choosing an institution, you need to pay attention to what cards it serves, the size of the commission, the timing of the transfer of funds and other conditions.
Consider what tariffs Sberbank provides for acquiring. Depending on the amount of revenue received from the cards, the commission can vary in the range of 0.5-2.2% of the amount. In standard tariffs, the cost of equipment is 1.7-2.2 thousand rubles. per month. After filling out the application, the software can be downloaded from the site. Sberbank also offers its customers the opportunity to connect Internet acquiring on individual terms. For the implementation of content management systems, there are several ready-made solutions available.
Internet acquiring is the acceptance of bank cards for payment via the Internet. To provide services, credit institutions and processing centers use a special interface that allows cardholders to make payments on websites. The only difference between this service and the standard one is that the data is not read by a card reader, but entered by the payer himself into a special form.
Sberbank and other credit institutions in the country have recently started using wireless mPOS terminals. In the West, Square, PayPal, iZettle have long served for these purposes. Analogues appeared in Russia: 2Can, LifePay. These devices are intended for individual entrepreneurs exempted from cash registers. They read data from the card, transfer it to an application on a smartphone or tablet. The service requests the amount, executes the payment and sends the data to the bank.
In order to connect acquiring to VTB through an mPOS terminal, you need to provide a certificate of TIN, PSRN, director's passport, an account opening agreement, a photo of the manager and wait a couple of days. A certain bank is behind the maintenance of each device. At 2Can, Russian Standard and Otkritie are the acquirers. Prombusinessbank together with Express-Volga and Gazenergobank serve LifePay. PrivatBank deals with iPay, Alfa-Bank deals with Pay-Me, and Svyaznoy deals with SumUp.
More expensive mobile acquiring. Bank rates average 2.5-5% per transaction. There are also minimum and maximum thresholds for the amount of payments and their number. When calculating the effectiveness of the service, one should take into account the fact that acquiring contributes to the growth of customers by 20-30%. So the cost may well be justified.
Acquiring is necessary for shops, sales offices and places with a payment point. Especially for networks with a large number of cash registers, a comprehensive solution has been developed - this is a program, during the implementation of which integration with cash registers takes place. Delivery services that not only accept payment but also issue a check should connect a hybrid POS terminal. If the amount is small, then people pay cash to couriers. Mobile acquiring is more suitable for insurance brokers who need to accept higher than average check payments. The main part of mPOS terminal users are individual entrepreneurs and companies whose activities are related to accepting payments in places unsuitable for this: online stores, taxi and freight transport services, entrepreneurs providing household, medical and other services at home.
Retailers have given reasons why they do not want to be required to accept cards when paying for goods and services. At the disposal of the Banki.ru portal was a study prepared by the Opora Rossii organization, which states that the existing commission for acquiring reduces the profitability of their business by a third. Bankers and representatives of international payment systems believe that the level of commissions is adequate.
The public organization Opora Rossii, which unites representatives of small and medium-sized businesses, conducted a survey among entrepreneurs in order to identify the reasons preventing the transition to non-cash payments. The main costs interviewed merchants name the cost of payment bank commission for making transactions. The size of this commission, according to them, is 1.8-4% of the transaction amount.
Taking into account the fact that the average size the profitability of small commercial enterprises is 9-13%, the mandatory use of bank cards will reduce it by 25-20%, the study says. “In our opinion, the size of such a commission should not exceed minimum size the rates of income tax analogue used by small businesses, namely, under a simplified taxation system, the authors of the study write. - In accordance with article 346.20 tax code RF, if the object of taxation is income reduced by the amount of expenses, tax rate set at 5%. This corresponds to a bank commission of 0.5-0.7%.”
The level of commissions as a factor hindering the development of the payment card market is named by and, who also prepared a study on this subject within the framework of working group to stimulate cashless payments under the Ministry of Finance. According to a survey of banks, the main share in the payment for acquiring services - 70% - is the interchange commission paid to the issuing bank. Its average size Visa cards in Russia - 1.3%, on MasterCard cards - 1.37%. In its study, the Central Bank cited for comparison similar figures in the EU countries: 0.72% and 0.89%, respectively. At the same time, in European countries the share of the "interchange" commission in the trade concession is higher - 82%.
The international interchange commission is set for each country by its own, and in Russia, according to their representatives, is now an acceptable level. As Aleksey Malinovskiy, MasterCard Europe’s regional director for government relations in Russia, the CIS, countries of Central, Eastern and South-Eastern Europe, explained, when setting commissions, the situation in this particular market is carefully studied, many different market-specific factors are analyzed: the costs of banks, the level of development of the payment infrastructure and the use of innovative products and technologies, the types and number of cards in circulation, the number of transactions with them, various risks are taken into account.
Bankers point out that it is not entirely correct to compare the size of the trade concession and interchange commission with similar indicators in other countries without comparing other data. “For example, such data as the share of non-cash payments, which in Russia is several times lower than in European countries,” says Mark Nakhmanovich, Deputy Chairman of the Board of Vozrozhdenie Bank. According to him, even with the seeming high level commissions for many banks is unprofitable, including due to dumping by state-owned banks.
Representatives credit organizations are not ready to reduce the fees charged from merchants in addition to the interchange commission. “The remaining conditional 30% that the bank receives after paying the commission is distributed as follows: the bank pays approximately 10% to the payment system, 10% is its costs associated with acquiring, including transaction costs for canceling operations, fraudulent transactions, etc. further, and another 10% the bank writes down for itself in profit, ”explains Alexei Degtyarev, head of the VTB 24 self-service network.
In his opinion, the reduction of the commission is impossible without attracting additional funding. “If the state wants to encourage cashless payments, and merchants are in favor of reducing acquiring fees, then you can think, for example, about deducting part of this commission from VAT paid by enterprises,” he suggests.
Bankers doubt that a reduction in the size of the trade concession would lead to an increase in the interest of merchants in installing POS terminals in their outlets. “Most likely, the level of acquiring fees is an excuse not to switch to cashless payments and not show your real trading volumes,” Mark Nakhmanovich believes. “Even if the trade concession were to become zero, I don’t think that after that, traders would be ready to show their full turnover through a bank account.”
Good afternoon friends! It is unlikely that I will surprise anyone if I say that today non-cash payment method is gaining more and more popularity. You no longer need to worry about whether there is enough money to pay for all purchases and you will not need to return part of the goods, because you can simply pay for everything with a single bank card. Even if you do not calculate the purchase amount a little, and there is not enough money in the account, you can always pay the difference with credit funds. Here's just one catch - you can pay with a card only in a store where merchant acquiring is connected. The same functionality will help you increase the income of your business, expand client base and greatly simplify cash service, giving its customers the opportunity to pay for purchases in a non-cash form. Therefore, today I invite you to find with me most profitable bank to conclude an acquiring agreement, as well as consider the pros and cons of installing such equipment.
So, first of all, I propose to deal with the concept of acquiring: what it is, what it is for, how to connect it, what is the principle of its operation and why its popularity is growing day by day.
Acquiring– a banking service that allows customers to pay for their purchases bank cards without first cashing out at an ATM. The same procedure saves us time from going to online stores when we shop online.
For individual entrepreneurs, acquiring connection is a great opportunity multiply income your business. Studies have shown that whenever shoppers pay by card, they spend approximately by 20% more money than with cash. In order to connect acquiring, a merchant must conclude an appropriate treaty With banking institution. All equipment necessary for acquiring will be provided to the client by the bank or agent.
This procedure requires the use of a cash register or a simplified POS-terminal - a special electronic device for conducting non-cash transactions through plastic cards, consisting of a monitor, a system unit, a fiscal device for printing. More successful and advanced companies prefer to use a combination of these two devices. This combination is much more expensive, and therefore at the initial stage of business development, I would recommend using only POS terminals.
There are two options for acquiring that do not require the use of a cash register:
There are three parties involved in acquiring:
To take advantage of the opportunities merchant acquiring, the company needs not only to open a bank account, but get the status of a legal entity. For this reason, it is impossible to use acquiring without having a payment account. About that, I wrote in the last review. So, if this question is relevant for you now, you are welcome to follow the link.
Until your company has a current account, you will be able to work exclusively with Internet acquiring– receive transfers from clients' bank cards to their accounts. In this case, financial management is possible only if you have an account. individual at any bank. Thus, individual entrepreneurs can freely use Internet acquiring and not bother with opening a current account if they previously carried out their activities without it. Insurance premiums and taxes in this case, individual entrepreneurs will pay in cash on receipts.
However, even though the law allows the use of personal accounts for entrepreneurial activity, from the occurrence of trouble it does not insure. The thing is that when opening an account for an individual, an agreement with a bank often states that the account cannot be used for business purposes. Moreover, these incomes tax authorities they can easily be mistaken for the income of individuals, and therefore require the payment of personal income tax in the amount of 13%. Additionally, with an increase in turnover on your personal account, the bank's financial monitoring will have questions.
If you have knowledge gaps about what is R/S and how does it work, I advise you to study the theoretical information about and use this banking service in order to connect acquiring.
make a R/C and use it for 2 months for free
In order for you to have the most complete understanding of this tool, I think it would not be superfluous to tell you about how acquiring works. The best way to trace the algorithm of its action is to on the example of an operation with a POS terminal:
If the operation is unsuccessful, one of the following responses will appear on the terminal display:
Money is not credited to the account of the outlet immediately after the successful completion of the transaction. First, they “leave” the acquirer’s account, and only then, after some time has passed (in accordance with Russian legislation – no more than 30 days) are transferred from the buyer's account to the account of the legal entity using acquiring.
Summarizing all the information, it becomes clear that just having a terminal at a point of sale is not enough. If acquiring is not connected to it, it is nothing more than non-working equipment. In simple words, only activation of the banking service allows stores to accept cards as a payment instrument. Banks can either provide equipment for rent or sell it to a retail outlet on mutually beneficial terms. The commission amount is specified in the contract. It is debited at the time of card transactions. The amount of commissions can vary in the range of 1.5-4% of the purchase amount.
All POS-terminals, depending on the type of acquiring, are divided into:
I'm just sure that most of you, having reached this point of the article, are already puzzled by the problem of how to choose a bank to conclude an acquiring agreement. It is not enough to study the tariffs of banks alone, it is also necessary to estimate each agency on a set of criteria and then compare their offerings. The assessment should be carried out according to the following parameters:
The quality of the hardware and software directly determines how fast the connection to the server will be, whether the cashless payment procedure will be safe.
Under the terms of the agreement, the acquirer can provide:
To decide which option suits your outlet more, count up how much this or that equipment costs, how much it will take you to maintain it. For example, POS terminals are budget and quite efficient devices, but cash registers will certainly entail additional costs.
The connection and payment processing speed will depend on the chosen type of connection. You can withdraw funds from your account in the following ways:
The fastest is the Internet connection and wi-fi. If you choose dial-up, be prepared to face additional costs.
In our country, the most popular Visa and master card. If you plan to work with foreign clients, it may make sense to use systems such as American Express, JCB. Additionally among Russian systems The Golden Crown is popular.
It is important that the document contains all highlights concerning the interaction of the two parties. In order to avoid questions and unpleasant surprises when cooperating with the bank, it is better to study all the clauses of the contract in advance. If one of the parties fails to fulfill the obligations, this document will become the main tool for filing a lawsuit in court and defending their interests. Study the numbers: subscription fee for using the terminal, the amount of % commission from the amounts passing through the terminal, requirements for trading turnover per month.
The level at which the acquiring service is provided will also depend on the cost of its maintenance. Reputable acquirers also provide training and advice to store staff on issues such as authenticating banking plastic, types of details and cards, the nuances of the operation of devices, the procedure for servicing customers, the procedure for returning a purchase, canceling authorization, and so on.
Think about how the flow of customers will increase and sales will increase if, for example, a bank offers a program for accruing bonuses on cards for non-cash purchases. By the way, to increase the return on bank cards, you can find either with a generous cashback. If you add bonuses from purchases here, this will allow you to get an excellent discount on subsequent visits to the store.
Additional functionality can be express alerts about failures in the system, fraud and other events that require prompt response from employees. Depending on the specifics of your business, it is quite possible that you will find useful features such as tip payment, auto-reconciliation, specifying additional information about purchased goods and services.
The most important condition is the time for which the money has time to enter the account of the organization. As a rule, this period is 1-3 workers days and depends on the following factors:
Please note that it is important for buyers to receive their money on the card (in case they made a return) as soon as possible. Pay attention to the costs associated with the regular operation of the equipment. As a rule, they include:
The cost of using acquiring is also affected by the scope of the enterprise, and the time of its work on the market, and the number outlets, and money turnover, and much more.
And now I offer you my own list of banks offering most profitable terms acquiring. Let's compare their offers together:
Today here you will not be able to use what is called "ground" acquiring, but you will be happy to be offered the service mobile acquiring. Tariffs in Alfabank are agreed in individually with each individual client.
Great business bank. To conclude a contract for the provision of services, you do not even have to leave your home. All you need is to fill out an application on the site, and the manager will come to sign the contract at a convenient place and time for you. If you do not have the opportunity to purchase a terminal, you can safely take it in installments for a year, and then keep it.
In addition, you can use Internet acquiring or mobile acquiring. In this case, you will pay 2.7% for the transaction, the connection of the service will be free, and the money will be credited to your account within one or two banking days.
It is most profitable to work on merchant acquiring and cash settlement services with one bank. Therefore, below is a table with tariffs settlement and cash services Tochka Bank.
Optimal | Ideal |
|
|---|---|---|
| Price | 500 rubles per month | 500 rubles in the first 3 months, and the next 2500 rubles |
| Free payments | 10 pieces monthly | 100 pieces monthly |
| Calculation of interest on the balance of funds | Up to 7% | |
| Cashing out funds without withdrawing commission | Up to 100 thousand rubles | |
| Registration of free corporate cards | Unlimited | Unlimited |
Entrust RKO to Tochka bank
Provides first-class Internet acquiring. Depending on the size of the turnover of your company and the selected tariff, the cost of services will also vary. The bank connects acquiring in just 2 days from the date of application provides 24/7 support.
get a calculator and use it for 2 months for free
If you are individual entrepreneur and want to use the acquiring service, provide the bank with the following package of documents:
For legal entities the following set of documents will be required:
Each of the above documents must be certified by the signature of the head of the company and the seal, if any. Depending on the bank you choose, the list of documents may decrease or increase. Therefore, check with managers what documents they need to register the contract.
And now let's draw a line and weigh all the pros and cons of using acquiring.
This can safely be attributed to:
This concludes our review. Today we managed to find out what acquiring is, what it should be, what are its strengths and weak sides. I am sure that after reading this article, you will easily decide on the choice of an acquiring bank, choose the most favorable tariff for yourself and significantly increase the profitability of your outlet due to the flow of non-cash payments. Successful undertakings and maximum profit. See you soon, friends!
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Acceptance of payments by plastic cards in stores is a popular banking option, called acquiring, the benefits of which have been appreciated by both buyers and sellers. The right choice of an acquiring bank allows you to accept plastic cards of popular payment systems, as well as save on renting special equipment and acquiring fees. Tariffs of banks, rating, conditions for legal entities and IP - everything is more detailed in the article.
Depending on the nature and method of selling goods, acquiring, which provides acceptance of non-cash payments and debiting payment for the purchase from a bank card, regardless of the issuing bank, is divided into 3 types:
When choosing an acquiring bank, pay attention to the list of options included in the banking service and the cost. Of particular importance on the amount of payment is affected by:
The size of the commission for acquiring reaches up to 2.5-3%, the minimum limit is 0.5-0.6% of the amount of payments made and above. The right choice of an acquiring bank will allow you to accept payment using plastic cards and reduce the cost of paying for bank services.
Choosing a credit institution to conclude an agreement on the provision of acquiring services should take into account the ease of registration and maintenance in the future. For individual banks, the analyzed area of activity is a priority. The client has the right to use additional options, including the assistance of a personal manager in case of various kinds of problems.
Important! Sellers with a 24-hour work schedule should choose an acquiring bank with a 24-hour technical support service.
Organizations that are required by law to provide the right to pay for goods by means of a plastic card can independently choose a credit institution that provides appropriate opportunities. When analyzing acquiring offers, first of all, evaluate the conditions of the bank in which the current account is opened. In this case, you will need to provide a smaller package of documents and the transfer of funds received when paying with bank cards to the seller's account is carried out faster after submitting reports. This is due to the direct transfer of money to the seller without the use of special transit accounts.
Behavioral analysis of credit institutions in terms of the use of additional options in acquiring, bank rates, ratings and reviews real clients made it possible to compile the following list of current proposals:
Rosselkhozbank, Russian Standard and Promsvyazbank offer acquiring opportunities to their clients. Conditions and payment are determined personally after analysis of the provided financial documents. The commission can reach up to 3% depending on the turnover of funds. Loyal conditions and personal offers allow you to save a lot by choosing the optimal and sufficient options when concluding an acquiring agreement.
A wide branch network of Sberbank, acquiring tariffs for individual entrepreneurs and legal entities, high-quality service, employee training and ease of registration - this attracts customers to use the services of the bank. To complete the contract, it is enough to prepare to submit an application in electronic form. Employees of the nearest branch of the bank will contact you to conclude an agreement. After agreeing on the conditions and briefing the employees, the equipment necessary for work will be transferred and installed.
The conditions for acquiring at Sberbank, the cost of renting equipment are optimal and are determined personally depending on various factors:
The acquiring rates offered by Sberbank for legal entities are minimal, and for significant sales using plastic cards, the rate can be from 0.5% - these are the most favorable conditions on the acquiring services market.
In order to develop small and medium-sized businesses, a special program of Sberbank has been developed, within which acquiring tariffs for individual entrepreneurs are determined taking into account the individual characteristics of the entrepreneur. The possibility of installing equipment for rent allows novice entrepreneurs to avoid large expenses for the purchase of terminals, the cost of rent, depending on the characteristics of the equipment, is 1500-2500 rubles.
VTB 24 Bank provides a full range of acquiring services. You can conclude an agreement at the nearest branch of the bank or by leaving an online application on the official website at www.vtb24.ru.
Determining the terms and conditions under the VTB 24 acquiring agreement, the tariffs for which depend on the type of required included services and options, as well as financial features organization, carried out individually within the approved boundaries. The minimum commission values for trading are from 1.6%, mobile - 2.5%, Internet acquiring - from 3%. Rent depends on the selected tariff, the minimum value in the Business Start tariff is 1200 rubles.
For clients who have issued merchant acquiring, there is an opportunity to use the services of a round-the-clock support service. This allows employees to solve problems related to payment by bank cards and receive qualified assistance from specialists 24*7. In addition, VTB 24 specialists will install equipment that meets modern requirements and technologies, and train the client's employees on how to work with payment terminals. If there are several cash desks, it is possible to connect all of them to the payment terminal and work in the online system.
Developed discount program, allowing you to apply additional discounts for non-cash payment using VTB cards 24, attracts new customers to the ranks of trade organizations. The implementation of the conditions is carried out on mutually beneficial terms for both the bank and the trade organization. VTB 24 independently sends information to cardholders about partner stores participating in the discount program.
Tinkoff does not currently provide merchant acquiring services. Merchant and mobile acquiring are under development and will complete the list banking services soon. Clients are looking forward to these financial products - the stated conditions will allow the bank to compete with the giants financial market, including Sberbank and VTB 24.
Note that a high bank rating does not always guarantee optimal conditions for a particular service. When choosing an acquiring bank, we recommend that you be guided not only by the overall rating, but also by the cost and quality of the services provided. Large organizations with a high turnover of non-cash payments can apply for more favorable conditions and the application of the minimum commission rate, as well as the provision of equipment for rent free of charge, i.e. without payment for rent and maintenance.
