Evgeny Malyar
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Acquiring for business
The Banker magazine includes Promsvyazbank in the 500 largest banks in the world in terms of equity, the bank's assets exceed 1.2 trillion rubles.
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Promsvyazbank is one of the most significant banks in Russia. It provides its clients with a full range of services, including acquiring. Despite the fact that this financial institution specializes in working with large firms (in particular, it provides operations under government contracts and defense orders), it offers a number of banking products that are of interest to individual entrepreneurs and small businesses.
About how Promsvyazbank can be useful to small private businesses in the implementation of card payments, will be discussed in our review.
Like other major banks, PSB provides support for all three main types of acquiring: merchant, mobile and the ability to pay by card on the Internet. In the face of fierce competition for Russian market financial services, it is impossible to do without special conditions, highlighting the bank in a number of rivals. There are advantages:
Of course, the epithet "free" is used conditionally. In fact, the client pays for all services with a commission and fixed payments, but they are not very expensive.
Flexibility financial policy, mentioned earlier in the list of benefits of the SIS, is reflected in the generation individual conditions for each client. At the same time, the size of the commission practically does not depend on the organizational and legal form of the business. For both LLCs and individual entrepreneurs on a current account, it is 1.8% of non-cash revenue. The exceptions are preferential terms provided upon payment:
In some cases, the commission percentage can be discussed individually.
In addition to interest tariff rate, the client (regardless of whether he is an individual entrepreneur or LLC) pays a one-time or monthly fixed amount determined during negotiations and indicated in the acquiring agreement. It depends primarily on the turnover, and the larger it is, the smaller this figure.
The conditions offered by Promsvyazbank provide for the possibility of an urgent start of acquiring services. This urgency is paid additionally in the amount of three thousand rubles.
This PSB service can be used by any online store or website. To connect, you must fill out an application, indicating the URL, full name, IP, TIN and contact information.
First, an application is filled out. The form is available on the official website in the section dedicated to Internet acquiring (here). There are two options: for customers who have concluded package agreement service without it.
The application contains the usual sections for such a document:
When this application is signed by the client, it acquires the legal force of the contract.
On the same page, you can read the terms of the service in the latest version and technical documentation (API).
The technical documentation sets out the definitions of the concepts used and detailed descriptions all processes and actions accompanying the process of connecting the service and further operation of the system. Application lead time is from one week to ten days.
Under the terms of the signed agreement, reimbursement of funds by Promsvyazbank for Internet acquiring is made on the next banking day.
These types of services are most in demand by grocery stores, establishments Catering, restaurants and retailers of all directions.
PSB cooperates on a partnership basis with VTB, the All-Russian Regional Development Bank and Otkritie Bank.
The acquiring system offered by Promsvyazbank provides for the acceptance of the following means of payment:
The choice of the type of POS-terminal is made in accordance with the requirements of the client. He can be:
The most common standard connection option provides for the satisfaction of an acquiring application no later than within ten days. The speed of installation and adjustment work is affected by the complexity of the required configuration and other circumstances, mainly technical ones. During the specified time, the delivery of equipment, its installation and training of personnel is carried out.
Connection according to the accelerated option (for three days) costs, as already mentioned above, three thousand rubles. This amount is paid one-time, and in this case there cannot be more than three terminals, which is usually more than enough for an individual entrepreneur.
For individual entrepreneurs, this method of paying with a payment card is very important: it allows you to accept funds in an environment in which, until recently, only cash could be used. Another important advantage is the minimum costs of the acquiring bank when connecting the service. In addition to the Smartfin reader (card reader), no other technical means are required. It connects to any mobile device that supports Android 2.1 and above or iOS 4.0 and above operating systems. Naturally, the smartphone or tablet must be connected to the Internet.
Internet acquiring- making payments using bank cards through the Internet. Payment can be made by cardholders of any banks.
Using acquiring in an online store allows you to:
To work, it is necessary to conclude an agreement with the Bank, send an application for connecting Internet acquiring.
- attract new customers - bank card holders who prefer to pay for goods and services via the Internet;
- increase sales by enabling customers to immediately realize their desire to purchase goods by paying for them with a bank card (“Impulse Buying”)
Description of the plugin
Step 1. When placing an order, the buyer selects the payment method "Promsvyazbank" (any name can be set, for example, "payment by credit card online").Step 2 After placing an order, the "Order successfully completed" page appears, from which an automatic redirection to the payment system website (payment gateway) occurs for payment.
Step 3 The client pays for the order on the payment gateway (the plugin does not take part in this step): enters the card details and confirms the payment.
Step 4 After successful payment, the client is invited to return to the store's website.
Step 5. Admin panel. After payment confirmation payment system the status of the order changes to "Paid".Plugin setup
It is required to specify the delivery methods for which this payment method is applicable and the data provided by Promsvyazbank when connecting Internet acquiring.
When testing, the "Test mode" function must be enabled (checkmark) - test payments will not be credited to the account (because the payment gateway in test mode only simulates the payment process).
Step 1. Fill in the data and click "Save".
Step 2 Then you need to go back to the payment method settings page, copy the address from the last line and transfer it to the Bank's specialists.
Technical support
For a long time, bank cards have become an everyday and familiar tool that makes it easy to pay for services and goods literally on the fly, without using cash. Initially primitive and unsafe, today acquiring has turned into an optimal means of making purchases, and self-respecting banks strive to provide such a service to customers on maximum weekend terms. Today, Promsvyazbank acquiring is a rich functionality, advanced technologies, reasonable rates, convenient service and constant customer support.
Why acquiring at Promsvyazbank is better than others
When concluding an acquiring agreement with Promsvyazbank, the client receives a number of advantages:
- Promsvyazbank acquiring is favorable rates for individual entrepreneurs and legal entities, thanks to an individual approach to establishing financial terms. The commission on ongoing operations is only from 1.5% to 1.8% depending on the type of activity
- The acquiring agreement at Promsvyazbank implies free equipment rental for the operation of the system, as well as free provision of advertising, information and consumables.
- When receiving acquiring at Promsvyazbank, an organization can count on daily detailed reporting about transactions per day using bank cards.
- The Bank also conducts training and regular courses for employees of the organization, and as a result of collective training, employees receive personal certificates.
- Promsvyazbank offers minimum terms enrollment Money at the expense of the organization. For most cards, crediting is carried out directly on the day of the operation. A day later, only those organizations that do not have a bank account receive funds.
- Technical support for acquiring in Promsvyazbank is carried out around the clock by phone.
What types of acquiring does Promsvyazbank offer?
Today, Promsvyazbank offers customers three types of acquiring at once:
- merchant acquiring;
- mobile acquiring;
- internet acquiring.
Merchant acquiring
Who is merchant acquiring service suitable for?
Service merchant acquiring is the best solution for:
- restaurants, cafes, fast foods and other catering establishments;
- retail stores (clothes, furniture, electronics, shoes, household appliances, groceries, etc.);
- courier delivery services.
Tariffs for merchant acquiring
When paying a one-time commission, the tariffs for acquiring at Promsvyazbank will be:
An excerpt from the tariffs for Promsvyazbank services regarding acquiring:
Note: Tariffs of Promsvyazbank PJSC for legal entities, individual entrepreneurs and persons engaged in private practice for the service "Merchant acquiring" within the framework ofcomprehensive banking services
What Promsvyazbank offers as part of the merchant acquiring service
When connecting merchant acquiring, Promsvyazbank is ready to provide the organization with the necessary equipment. This complex is selected taking into account the specifics of the organization. Here, portable wireless payment terminals with GPRS and Wi-Fi modules can be used, which allow you to accept payment by bank card anywhere:
- at the place of settlement for courier delivery of goods;
- in the showroom;
- in a restaurant or cafe.
Bank customers can always speed up payment using MasterCardPayPass and VISA PayWave technologies.
For some time now, connecting merchant acquiring at Promsvyazbank has become even easier. Now you can connect the service in just one "click" - you just need to find the "Connect acquiring" function on the main page of the PSB On-line service. All customers also have the opportunity to connect new outlets to the service without actually visiting the bank's office. In the foreseeable future, the bank will bring all services available to customers and their management into a service PSB Online.
Bank documentation on merchant acquiring
Below you can get acquainted with the standard documentation and tariffs of Promsvyazbank on the topic of merchant acquiring:
Internet acquiring
Who can use the internet acquiring service
Internet acquiring at Promsvyazbank is one of the most demanded services today. This service allows you to accept payments by bank cards via the Internet online. For online stores whose websites are developed on popular content management systems (CMS), there is an opportunity to use ready-made payment modules.
Internet acquiring is a great opportunity for:
- Increasing profits through increase client base at the expense of bank card holders who prefer to pay for purchases online.
- Increasing sales volumes due to customers prone to impulsive purchases - immediate purchase of goods with payment by bank card on the site.
- Increase in the geography of sales - payment for goods on the site can be made from any city or even any country.
- Reducing costs associated with renting premises, remuneration of a large staff of employees, collection and other cash transactions.
- Providing clients convenient way making purchases with payment at any time of the day and from any place where there is access to the Internet.
What payment modules does Promsvyazbank offer to use?
Promsvyazbank offers ready-made payment modules for acquiring integration into 1C:
What Promsvyazbank offers when connecting Internet acquiring
Consumers of the Internet acquiring service at Promsvyazbank can count on:
- Flexible billing with individual tariffs for the service.
- Free reporting on transactions performed every day and every month.
- Quick connection of acquiring through the Internet bank - on average, it takes from 7 to 10 days.
- No hidden fees, monthly payments and other costs when processing transactions.
- Fast crediting of funds to the client's account opened with Promsvyazbank.
- Daily acquiring technical support.
- Maximum security through support for 3DS protocols and a fraud monitoring system.
Bank documentation on Internet acquiring
Below you can get acquainted with the standard documentation and tariffs of Promsvyazbank on the topic of Internet acquiring:
Mobile acquiring
Mobile acquiring in Promsvyazbank is one of the most modern and convenient technologies that allows you to accept payment by bank card through mobile terminals. With the help of mobile acquiring, bank customers can receive payments directly via a smartphone or tablet - just connect a special reader to the phone or tablet. The only requirement for using mobile devices is the presence of operating systems Android or iOS in versions not lower than 2.1 and 4.0, respectively.
Who is the mobile acquiring service suitable for?
Mobile acquiring in Promsvyazbank is the best solution for representatives of the microbusiness segment:
- the service will be an excellent solution for food and goods delivery services;
- will allow you to pay for trips in taxis or buses;
- make settlements with insurance agents, real estate agents, and other individual entrepreneurs.
The main advantages of mobile acquiring
The most important advantage of mobile acquiring in Promsvyazbank over the traditional types of this service can be called:
- Complete absence of costs for integration, configuration and maintenance of equipment.
- Great convenience for small businesses and small businesses.
- A simple way to accept card payments is to simply swipe your bank card over the scanner and leave a signature on the display of your smartphone or tablet.
- High level of security - the buyer's card details are not stored on the device, but are sent in encrypted form to the bank's processing center.
- An opportunity to increase the number of customers at the expense of consumers who prefer to use the convenience of advanced payment methods.
How to connect acquiring in Promsvyazbank
Connecting the acquiring service at Promsvyazbank is quite simple - just fill out a simple application form on the bank's website.
If you do not have an account with PSB:
If you have an account with PSB:
In the application for connecting acquiring, you will need to enter your name and contact number for communication, agree to the processing of personal data and send an application to the bank. AT as soon as possible a specialist will call at the number indicated in the application, who will provide detailed advice and clarify all the required details. Subsequently, you can count on the full assistance of the bank, the individual formation of tariffs for acquiring and a personal approach in making technological decisions and drawing up a financial plan.
The increase and expansion of business is impossible without the use of high-tech tools that allow for instant settlement between the consumer and the seller. Such a service from Promsvyazbank as acquiring has long been widely used in our country, but many still do not know about the conditions for starting cooperation in this direction, as well as about the conditions offered by the credit company. This is what certified experts will tell you in the material below.
Merchant acquiring from Promsvyazbank
Recall that acquiring is a service that is readily used by businesses all over the world. In fact, this is a great way to greatly simplify the circulation of cash. In practice, various acquirings are used, including merchant, Internet, and mobile acquiring.
The tariffs set by banks differ significantly from each other and depend on a certain number of factors, for example, the number of transactions performed, the amounts accepted, etc. If we talk about tariffs for acquiring from Promsvyazbank, then, according to many users, they compare favorably with the tariffs that others are in a hurry to offer credit companies.
Usually, rates are set individually and are reduced for those clients who are ready to guarantee their solvency and act as a reliable business partner. To use the service in question, a potential client will have to conclude a bilateral acquiring agreement with Promsvyazbank. The document includes certain conditions and tariffs for services, as well as the amount of the commission, the term for transferring money to the account, etc.
Activities for the installation, connection and adjustment of equipment, as well as training of personnel by bank employees are carried out free of charge.
Tariffs for acquiring for individual entrepreneurs and LLCs
The tariffs offered by Promsvyazbank for individual entrepreneurs practically do not differ from those established for legal entities, including LLCs. So, merchant acquiring. In this case, the bank's monetary commission for organizing transactions is defined as the total set of:
- The amount of interest on the volume of each transaction performed by the bank, which was made using bank cards. In this case, the tariff, both for LLC and for individual entrepreneurs, is determined solely by prior agreement with the Bank;
- A fixed amount of money that will be collected at a time or monthly, on the calendar day indicated in the contract. The amount of the amount will be determined by the bank by agreement with the individual entrepreneur or LLC.
When paying a one-time commission, the bank, which depends on the type of equipment installed, will have to pay another 1.8% from each transaction, regardless of the volume of transactions. Exist Special offers for some business segments:
- gas stations and grocery stores - 1.6%;
- Fast food - 1.5%;
- Government payments - 1.1%
Terms of acquiring
To receive the service, you must contact the bank's office. In addition, you can leave an application on the bank's website , after which a specialist will contact you, who will advise on tariffs and invite you to the office to sign the agreement. The bank promises to make a turnkey connection in 10 days.
Below are the terms and conditions of our service:
- Promsvyazbank offers acquiring at attractive rates to everyone, regardless of whether it is an individual entrepreneur or a legal entity;
- Funds are credited to the client's account on the same day if the account is opened with PSB;
- The enterprise provides support for all one-touch payment technologies;
- There is a reliable integration of cash solutions, as well as payment VISA systems and MasterCard;
- At any time, technical specialists will organize comprehensive support by phone free of charge, up to the prompt departure of the master;
- There is a round-the-clock line for providing customer support by phone 8 800 555 30 81;
- There is a convenient and understandable reporting form, which the bank is ready to provide to its customers at least every day for free.
Types of equipment
banking institution together with the terminal manufacturer - Ingenico, they offer various types of equipment, depending on the specifics of the legal entity:
- Portable GPRS terminals. This type allows acceptance of payment in any place, for example, if the company delivers its goods to the house;
- Stationary GPRS terminals will be a way out if there is no the local network;
- Compact portable Wi-Fi terminals will be an ideal solution for cafes and restaurants;
- Implementation of cash solutions for accepting payments Visa PayWave and MasterCard PayPass.
Benefits of connecting the service
Acceptance of plastic cards to pay for purchased products and services has become mandatory for almost all outlets and enterprises. At the moment, a law is in force, on the basis of which individual entrepreneurs and legal entities that refuse to accept a card to ensure financial settlement can be fined a significant amount, reaching up to 50 thousand rubles.
Now let's talk about the benefits that will please the leaders of organizations. Having decided to conclude an acquiring agreement with Promsvyazbank, LLC can count on:
- Individual approach in any situation and determination of optimal financial conditions for the client;
- Fast terms of crediting money to the LLC account. This usually happens on the day the transaction is completed. Exception - plastic cards american express. When calculating such banking products you will have to wait three or even four working days;
- In almost all points, bank employees will install the appropriate equipment free of charge, without charging rent;
- If necessary, the bank will provide any advertising and information materials that it has;
- Free training of new employees is possible, as well as collective training, etc.
Conclusion
It should be recalled that in order to use acquiring from Promsvyazbank, it is necessary to comply with certain rules that a credit institution has established for legal entities, IP, and LLC. Moreover, the bank requires the correct filling of the application of the established form.
Promsvyazbank is included in the list of systemically important organizations, holds leading positions in terms of assets, deposits, net profit etc. The bank has been operating since 1995. It is one of the largest private banks in the country.
The acquiring service is provided to any type of business - from micro-companies and individual entrepreneurs to large corporate clients.
Tariffs for merchant acquiring service Promsvyazbank
The bank offers a fixed commission only in case of purchasing POS-terminals from it (the purchase is made out as a one-time commission at the conclusion of the contract).
Then commission:
- fast food establishments (fast food) - 1,5%;
- gas stations and grocery stores - 1,6%;
- state institutions - 1,1%;
- to everyone else - 1,8%.
In the case of renting terminals, the commission is set individually. It will depend on the equipment configuration and turnover. Unprofitable devices require payment of a fixed fee monthly (threshold - 100 thousand rubles for the reporting month).
Terms of Service
- devices are leased or purchased by the bank, the type of POS-terminal being rented and the set of additional equipment may affect the amount of the commission;
- in individual cases it is allowed to use the client's POS devices (purchased separately) subject to compliance with the requirements of the bank;
- Promsvyazbank undertakes to transfer the received payment from card accounts buyers to the settlement account of the organization no later than in 2 days;
- the current account can be serviced in another bank. Remuneration is transferred to accounts opened with Promsvyazbank on the same day (but no later than the general standard);
- the bank organizes training of personnel to work with the equipment, provides all necessary training and consumable materials;
- payment transactions are authorized around the clock;
- technical support is available around the clock, including visits of specialists to the facility;
- transaction report is provided daily free of charge;
- By agreement, the Bank's rules allow the application of the TSP logo on the terminals.
Technical questions
Cards accepted for payment:
- VISA;
- Mastercard;
- UnionPay;
- american express.
Terminals work with contactless payments (such systems as Samsung Pay, Apple Pay and Android Pay are implied), including using fast payment technologies. VISA payments PayWave and MasterCard PayPass (making a payment without entering a PIN code up to a certain amount).
The configuration of POS-terminals is selected according to the client's requests. It can be:
- portable or stationary models;
- connecting to the Internet via GPRS (mobile communication), LAN (wired connection) and Wi-Fi (wireless).
Connection procedure
The bank offers two options for providing connection services:
- standard. Here, based on the request of a new client, an acquiring agreement is concluded. The bank supplies the necessary equipment in the required volume and configuration, installs it on site (if there are jobs for cashiers) and instructs the staff. The process takes an average about 10 days;
- accelerated. Fully corresponds to the previous one except for the term ( no more than 3 days) and restrictions on the number of terminals provided (no more than 3 per merchant). The service involves an additional fee - 3000 rub.
