Trade acquiring. Which acquiring bank is better to choose and how to do it correctly? Which bank to get acquiring from?

Hello! Today we’ll talk about merchant acquiring and bank tariffs. We will also tell you what it is, how it works, how to connect, etc. To do this, we contacted bank specialists and prepared banking offers for you with the most favorable conditions today. In addition, you will learn about the pros and cons of this service for your business.

What is merchant acquiring

The most convenient form of payment today is a bank card. Increasingly, in hotels, shops, restaurants and other companies, instead of the usual banknotes, people hand over a plastic card to pay for services. In this regard, the number of companies that introduce trade acquiring is increasing every day. Not only major players in the market, but even private entrepreneurs understand that we are talking about the fight for customers!

There are 3 types of acquiring:

merchant acquiring

The latter will be discussed in today’s article.

Trade acquiring – This is a banking service that allows all sales representatives to accept bank cards instead of cash when paying for goods and services using a special terminal. You will learn in detail how to obtain this service in this article.

In addition to the general definition of non-cash payment, merchant acquiring has another side. In fact, this type of service implies the provision by a banking organization of special equipment, as well as settlement, technological and information services. Any company that accepts bank card payments from any of the well-known payment systems can use the service.

The subjects of this process are:

buyer;
salesman;
acquiring bank;
payment systems.

Sometimes, between the store (seller of goods/services) and the bank there is added processing company. Large banks, as a rule, have their own processing center.

In general, the task of a processing company is to install and register acquiring equipment, as well as process and store information on all operations passing through the terminal.

The presented service is due to a huge number of advantages that are relevant both for large trading companies and for private entrepreneurs. Thanks to this, acquiring is now only gaining momentum.

By connecting to merchant acquiring, you receive:

Increasing your organization's competitiveness.
Increasing cash flow by attracting bank card holders.
Consumers will be able to spend large amounts of money because they are not limited by cash.
The risk of receiving counterfeit banknotes is reduced.
The speed of trade and settlement operations increases.
Bank card holders are more likely to make large and unplanned purchases.
Reducing costs for ensuring the safety of funds (collection).
The level of optimization of the entire customer service process is increasing.
Payment security guaranteed! Loss, theft, fires, and even a cashier's error - all this fades into the background.

Tariffs and conditions of banks for trade acquiring

Consider the most favorable terms of trade acquiring and compare the tariffs of leading banks.

Important! To work with merchant acquiring, you first need (this article shows the best conditions of banks for opening a current account, and we will now look at some banks for merchant acquiring).

Russian Standard Bank

Transaction fee is 2.5%.

The cost of connection, including equipment (terminal) - from 12,000 rubles.

It is possible to work with a current account of another bank.

Modulbank

Trading terminal - provided as a property! It is possible to purchase it on credit at a rate of 16% of the cost of the terminal. Delivery within 5-7 working days after payment. All equipment settings for your business are made by bank representatives. All you have to do is turn on the terminal and start accepting payments.

The transaction fee is fixed - 1.9%.
The cost of the equipment is 24,500 rubles. (ICT 250 CTLS/ GPRS wired), RUB 30,000. (IWL 250 GPRS wireless), RUB 33,000. (IWL 250 Wi-Fi portable). Equipment from Ingenico.

More detailed information about trade acquiring in Modulbank can be found at bank website.

Bank Point

An excellent bank for entrepreneurs and ONLY for entrepreneurs!

To sign up for the service, the client does not need to go anywhere, just log into the Internet bank and sign a pre-prepared agreement there. There is no need to pay any additional payments or security deposit. You can receive money into your account the very next business day. There is no need to buy a terminal: it can be rented for a year, and then it will remain the client’s property.

Transaction fee - 1.6 - 2.3%
The cost of connecting the terminal is free.
Equipment cost - From 23,000 rubles to 31,000 rubles. There is an installment plan for 12 months. Verifone terminals models 520 (portable and stationary) and 675.

More detailed information about merchant acquiring in Tochka can be found at bank website.

Raiffeisenbank

Transaction fee - from 1.9 – 2.2%

Monthly fee for using electronic terminals: from 190 to 990 rubles. for 1 terminal.

The cost of connecting and registering the terminal is from 490 rubles. up to 29,990 rub. per terminal.

All numbers depend on your turnover. The higher the turnover, the more profitable your tariff.

Connect acquiring on official website of Raiffeisenbank.

Here are more details about tariffs for trade acquiring from Raiffeisenbank:

VTB

Transaction fee:

— turnover up to 100,000 rubles. per month for 1 terminal 2.7%;

— turnover from 100,001 to 150,000 rubles. per month per 1 terminal 2.2%

— turnover from 150,001 rub. per month per 1 terminal 1.6%

Terminal Maintenance- from 0 to 1000 rub. per month. (depending on the tariff)

Details at VTB official website.

Terminal price:

Stationary POS terminal from 10,000 rub. for 1 piece
Portable POS terminal from 16,000 rub. for 1 piece
In the “Small Business” tariff, a POS terminal starts from 2,600 rubles. for 1 piece

Here are more details about the tariffs for VTB 24 merchant acquiring:

Trade acquiring in Sberbank

This is the most mysterious bank of all existing ones. We called, wrote, asked and received no answers. The employees’ answer is always the same: “Come to a bank branch and an employee will calculate the conditions for you individually.” They don’t even say the commission percentage from start to finish.

But we spent a long time digging on the Internet and from other sources we managed to find out the approximate tariffs for Sberbank merchant acquiring.

Details at official website of Sberbank.

Necessarily:

Availability of a current account in Sberbank.
Installation of a remote customer service terminal.

Transaction fee- depends on turnover.

If over 1,000,000 rubles, then 1.8%;
up to 1,000,000 rub. up to 2.4%.

But reviews on the Internet about Sberbank’s merchant acquiring indicate that this is not the limit of the commission. At low speeds there were cases where the percentage increased to 3.4% and even 4%. Moreover. If you do not agree with the increase in interest, then they will quickly come to you and take away the terminal.

If everything is stable with your turnover, then as a rule the interest rate, as indicated, is 1.8 - 2.4%.

With all this, Sberbank is a leader in trade acquiring.

Alfa Bank

We contacted Alfa Bank employees and received an answer that they are no longer engaged in “Terrestrial” acquiring. Clients are offered a UCS partner. At the moment, Alfa Bank provides only Internet acquiring.

How does payment work in merchant acquiring?

In general, the entire procedure takes no more than 60 seconds. The process of paying for goods or services and transferring funds to the entrepreneur’s bank account occurs in several stages.

Details at Alfa-Bank official website.

Presenting a card to the seller to pay for goods or services;
The seller sends a request and receives permission to perform a transaction from the processing center (or the bank’s processing center);
The processing center contacts the bank that issued the card;
The cardholder (buyer) is authorized by entering a PIN code;
The amount of money is debited from the cardholder's account;
The card owner (buyer) receives a receipt (slip) about the transaction.

To carry out this entire operation, special equipment is required. imprinter, or POS terminal, in some cases both. There is only one significant difference between these two types of equipment:

funds are credited to the account of the seller who used the imprinter on the third day after the transaction. And for those who use a POS terminal, to the next one.

Example: A customer came to your store and decided to pay for purchases with a card, you inserted his card into the terminal, he entered a PIN code, you gave him a receipt.

Rights and obligations of the parties

When installing equipment at retail outlets, the banking organization is obliged to provide qualified technical assistance, as well as provide advice on any issue.

It is also worth noting other responsibilities of banking organizations:

The POS terminal is installed, and initial testing of the equipment is also carried out.
Information support and assistance in employee training, customer service and equipment operation.
Transfer of funds to the client’s account within the established time limits specified in the contract.
Checking the solvency of bank cards.
Providing technical support 24 hours a day.
Providing consumables (slips, checks, etc.)

As for trade organizations, they have the right to demand high-quality performance of services, as well as duties. At the same time, trading companies must fulfill a number of conditions.

Prepare a place for installing specialized terminals.
Pay the established commission.
Accept bank cards for payment.

There is one more feature: acquiring banks reserve the right to charge a commission based on the cost of the product or service not from the consumer, but from the seller . Other features of the provision of services and responsibilities are specified in the contract.

How to activate the trade acquiring service for individual entrepreneurs and LLCs

You already understand the entire mechanism of action of the presented service. Now you need to determine the sequence of actions when connecting acquiring. There are only 6 stages from the application to the final result, which we will consider further.

Choosing a bank

Many processing companies offer to work with them directly. When comparing tariffs and conditions, you should make a choice in favor of the bank as a service provider. Processing companies are only intermediaries who are paid a commission, so you should not overpay in vain. In addition, as mentioned above, many leading banks have their own processing centers.

Service request

Once you have decided on a banking organization, you need to contact it and inform it of your desire to use the trade acquiring service. This can be done either through online operators, using the hotline, or by contacting the office.

Documentation

Has your candidacy been approved? Then you will need to prepare a certain package of documents. To find out the exact list, contact your bank. In some banks (for example, Tochka), you can register for equipment without leaving your home, through your personal account. Some banks (Sberbank), in order to receive terminals for use, require a current account with their bank.

In general, you will need to enter into 2 agreements:

contract for the acquiring itself— for service at the processing center and conditions;
equipment rental agreement(if the equipment is provided for rent and not for permanent use).

In addition, you will need to prepare the following package of documents:

*Charter (legal entity);
Passport of the head of the enterprise;
Certificate of state registration as an individual entrepreneur or legal organization;
Certificate from the tax authorities confirming the absence of debt;
Certificate of opening a current account;
*Certificate of tax registration (at the request of the bank);
Other documents (at the Bank's request).

Signing the contract

The next step is drawing up and concluding an agreement with the service provider. This document is intended to regulate various controversial issues that may arise between the parties during cooperation. The contract specifies all the rights and obligations of the parties.

Equipment

You will be offered to rent equipment that will allow you to conduct cashless transactions. In this case, it can be a stationary or portable POS terminal. The latter option is suitable for restaurants, cafes or courier deliveries, since the portable POS terminal is mobile. As for stationary devices, they are perfect for a store, beauty salon and other organizations where customers themselves approach the payment point.

Installing and starting the system

You will be required to discuss in advance the time at which the equipment will be installed. A specialist will come to your site and perform the installation. Afterwards, a test run of the system will be carried out before the start of maintenance. You also need to request training for your employees.

The occurrence of difficulties cannot be excluded, but despite this, merchant acquiring can be an excellent tool for increasing profits! Connecting the service helps strengthen the company’s position in the trade and services market. In addition, this is a high indicator of reliability, since the company works closely with one of the banking organizations.

Requirements for the terminal installation site

In general, the requirements for the installation location of the terminal will be approximately the same.

Space for installing equipment on a horizontal surface, approximately 30 x 40 cm.
Availability of socket.
Availability of Wi-Fi, dedicated telephone line or patch court (cable).
Availability of SIM card and cell phone.

The first use of bank cards was associated with withdrawing certain amounts from a card account and depositing cash. However, the functions of cards were gradually expanded, and devices appeared that allow you to pay for purchases in retail chains. Owners of modern bank cards appreciated the high service of non-cash payments. Managers of trade organizations began to think about what acquiring is and what advantages its use provides.

The fact is that such a simple procedure as installing a card in a POS terminal and entering a PIN code to carry out an expense transaction in any supermarket indicates only part of a functioning system for the transfer and processing of information, numerous checks and approval of payment.

Acquiring concept

Translating the word from English will help you understand what acquiring is. The literal meaning of the word is translated as “acquisition.” This term is common in the banking sector when defining the system of accepting special cards for payment. In practice, acquiring provides the opportunity to make purchases and pay for services without using cash.

The rapid replacement of “paper” money with non-cash amounts showed how in demand and convenient this function is. Modern life is no longer possible without bank plastic. You can get an idea of acquiring and what it is in simple words using the example of common non-cash transactions. Just recently, people lined up at the cash desks to pay for housing and communal services, but now it is enough to insert the plastic card into the terminal and carry out the necessary expense transactions, and upon completion of the procedure, receive a check that replaces the payment receipt.

However, like any other invention, in the early stages acquiring was quite simple and had a limited set of functions. Many entrepreneurs were just thinking about acquiring, and what it was was known only to the most advanced companies.

The beginning of accepting cards for payment is associated with the removal of the so-called slip, i.e. a paper slip with details. At first, the use of such a system was unsafe - the lack of communication with the bank did not allow checking whether there was a sufficient amount in the client’s account. If the purchase was expensive, the teller could call the bank to make sure that the client had the required amount. The emergence of special electronic devices that establish communication with the bank has increased security and simplified the work of making payments.

Acquiring is a bank service that provides comprehensive services to an organization for payments using payment cards. Full service includes technological, calculation and information support.

The use of an acquiring system involves work on preliminary preparation and further servicing of payments. First of all, the organization enters into an agreement with a financial structure offering acquiring services. Within the framework of this cooperation, the acquirer is a bank that owns payment terminals, which are installed in stores and other payment points (restaurants, gas stations, cafes, etc.). If it is necessary to ensure a connection between card acceptance and cash registers, PIN pads are installed at points of sale.

The plastic product issued by the bank represents the key to the payer's account. One of the signs of a competitive financial organization is the emission of plastic. Thanks to connection to international payment systems, it has become possible to accept cards in other countries of the world if the issuer is a participant in this system. You can find out which system the customer card belongs to by the logo printed on the front side of the plastic. The most well-known payment systems in Russia are Visa and MasterCard. Recently, the use of its own payment system called “Mir” has been actively introduced.

Each organization engaged in trade or providing services, connecting to acquiring services, takes measures to install special equipment and organize its operation through payment system participants. As a result of close cooperation with acquiring banks, the process of cashless purchases in stores has become simple and safe.

Features of acquirer services

To ensure stable operation, the organization signs a special acquiring agreement. According to the provisions of the agreement, the acquiring bank installs POS terminals and provides software support.

The list of bank obligations includes:

provision of technological equipment (free installation, rent, right of purchase);
setting up work on accepting bank plastic for accepting payments;
work on training cashiers to accept and service card transactions;
provision of consumables;
routine maintenance;
Information support.

For its part, the organization must also fulfill its obligations to the bank.

As technology develops, the list of types of available services expands:

trade acquiring;
mobile;
exchange;
Internet acquiring.

The organization independently determines the types of acquiring it needs to develop its business.

The use of POS terminals is provided for carrying out expenditure and return transactions. As a result of payment by card, funds are sent to the seller to his account with the simultaneous deduction of the commission established under the agreement.

The service fee and possible restrictions are tied to the volume of funds in the organization’s trade turnover.

The trade variety is considered one of the most popular, providing cashless transactions in stores of any type. Terminals for accepting cards can be found in most retail stores selling food, equipment, building materials, spare parts, etc. There are no restrictions on the types of activities of the organization. Trade acquiring is successfully used by public catering enterprises (cafes, restaurants, etc.), gas stations, etc. Any newly opened or operating large network must organize the acceptance of non-cash payments, since the success of any enterprise is directly related to the provision and increase in comfort to the buyer.

The acquiring bank service is not free for the organization. Each transaction for non-cash receipt of funds entails writing off a certain percentage of the amount in favor of the financial structure (usually in the range of 1.5–2.5%).

This view is intended for mobile device users. Payment transactions are made using smartphones, eliminating the requirement to be linked to a retail outlet. In fact, it is possible to equip each employee with terminals, including those who work remotely. There is no longer any need to link the terminal to a specific cash register. Moreover, the seller or courier can deliver it to the buyer’s home and make payment on the spot.

A high degree of comfort requires additional payment for the services of the acquirer. As a result, the use of mini-terminals costs a commission of 2.5–3% of the payment amount.

The method by which payment for goods is made in favor of an online store is called Internet acquiring. Internet access is required to receive payment. There are no additional devices or applications provided.

In fact, any Internet user who has a bank card can make debit transactions, provided with a high level of protection by the intermediary structure. The intermediary company collects and sends information in both directions – to the bank and the seller.

The particular convenience of the acquiring system is due to its accessibility to almost any online trading platform that has a special interface. The buyer makes a few clicks, without leaving home, to order and pay for the goods. For payment, not only bank plastic is accepted, but also other sources of electronic payment systems.

The absence of the need for additional equipment and maintenance costs is combined with increased commissions charged by banks. As a result, an average of up to 6% is written off from the total payment amount. This is the price to pay for a high degree of protection from the actions of Internet scammers and hackers.

The directions for implementing this acquiring have practically no restrictions - any product, service, order can be paid through the network (goods, utility bills, payment of communications, fines and much more), which increases the company’s turnover.

The leading position in popularity is occupied by ATM acquiring of bank cards, familiar to every plastic card owner. There are practically no organizations left that pay wages in cash. When hiring a new employee, a card is required to be issued, to which the transfer of funds from the company will be organized in the future. In the future, the employee receives cash using ATMs installed everywhere.

To receive cash, you need to insert bank-issued plastic into the card reader and enter the security code. Working through the opening menus, the plastic holder selects the amount required for withdrawal. If there are enough funds in the client's account, the operation is completed successfully.

Please note that cards issued by different banks must be serviced in the terminals of a specific bank. Otherwise, the client will be charged a commission for the services of a third-party bank. The same applies to settlements abroad. Each cash withdrawal entails a commission deduction.

The choice of acquiring bank is of great importance, affecting the work of the entire organization. Before choosing a specific acquirer, you need to study the proposed conditions and perform a number of actions:

Studying the equipment that the bank equips. The speed and safety of operations depends on the technical capabilities of the devices and programs used. As a rule, the bank offers the use of POS terminals, imprinters, processing centers, cash registers, and PIN pads.
Selecting the type of connection with the bank. The speed of payment depends on it. In case of active expenditure transactions, choose faster communication options: Ethernet, Wi-Fi. In this case, the operation is completed within 3 seconds. The use of GPRS communication entails additional costs for operator services according to the established tariff.
Selecting a payment system. Each acquirer works with a specific payment system; card service conditions may vary depending on the choice of organization.
It is necessary to carefully study the terms of cooperation established by the agreement before signing. Particular attention is paid to the client’s responsibilities and rights. If it later turns out that any of the bank’s requirements have been violated, there is a high risk of litigation and subsequent troubles.
When choosing a bank, pay attention to the breadth of the range of services provided and the quality of work. The main types of services provided by the acquirer are installation and maintenance of the provided equipment. Provides training on how to operate card acceptance devices.
Tariffs for services. The payment for the service provided appears in the form of a commission. The amount of interest charged for each transaction may vary primarily depending on the turnover and volume of transactions carried out by the organization. The cost of services is also affected by the possibility of licensed operations, specialization of activities, and the presence of a processing center.

The advantages and special comfort of acquiring were appreciated by all users of banking plastic. With its help, all payments began to be made faster and more convenient. If, when paying in cash at the cash register, small change coins were required, then working with cards frees you from problems with change.

Non-cash payments have a number of undeniable advantages compared to cash transactions:

The organization reduces the risk of receiving counterfeit bills.
Completing a transaction through high-speed communications is faster than counting money at the checkout and searching for change.
The need for collection services is significantly lower, which leads to cost savings for the organization.
When issuing change in cash, the chances of making a mistake are quite high, while accepting cards eliminates the possibility of miscalculation.
It has been established that a buyer who pays with a credit card is more willing to part with funds, and the amount of the check is larger than when purchasing with cash. Statistics show that owners of plastic are more likely to make unjustified and spontaneous purchases, while a person buying with cash limits the amount and list of goods purchased. The difference can reach one third of the average check in a store.

Despite the presence of pronounced advantages, the use of acquiring has its disadvantages, which must be taken into account when organizing work on non-cash payments:

System instability. From time to time, like any other equipment, the terminal may fail, a server failure occurs, and as a result, customers begin to be indignant and displeased due to the inability to use the card. However, in some cases the problem can be quickly resolved by temporarily switching to cash payments (only for merchant acquiring).
System security. Measures to improve the level of security are constantly being taken; many banking services and specialized companies are working to improve the protection of client finances. However, scammers in the field of programming are also actively working. As a result, you have to vigilantly monitor your defense. It is important to prevent hackers from using the personal data of customers and clients, as well as to block access to card details for outsiders.
Working with cash requires less knowledge in handling technology. An untrained specialist simply will not be able to conduct transactions, slowing down the work of accepting payments from clients and customers. However, any modern trade places increased demands on staff in order to provide comfortable conditions to its customers.

It is difficult to imagine a successful commercial structure that would use only cash in circulation. Almost any buyer or potential client has a plastic product from the bank, which receives labor income, various government benefits, pensions, and transfers from private individuals. The most common use case is receiving wages on a card.

The concept of acquiring has become a part of modern life for both buyers and sellers. Non-cash payments have become the most common phenomenon when paying utility bills, fines, and duties. When deciding to make a purchase in a particular store, a person is more likely to prefer the establishment where he can quickly pay with a card. The lack of terminals for accepting cards for an entrepreneur means lost profit.

Even if the buyer decides to shop in a store where there is no cashless payment, the amount of the receipt will be significantly lower.

In this regard, an organization that intends to develop successfully and receive a steadily growing income must enter into an agreement with an acquirer, which, in turn, often supplements the offered package of services with additional options and benefits.

5 / 5 ( 1 voice )

If your business operates in the b2c segment, then it is important to provide your clients and customers with a variety of payment methods. And although cash payments are still the most popular option, every third purchase is already paid by card. Do you want to increase turnover in your business? Find out what benefits merchant acquiring can give you and what it is.

What is acquiring and why connect it

Answer to the question: “Trade acquiring - what is this function?” easy to obtain in practice in any supermarket and even small store. 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 - the terminals are divided into stationary 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 will be 40% by the end of 2018, and will grow to 50% by 2020.

Why will card payments increase your revenue? There are several reasons for this:

Consumers can pay for your goods or services with a credit card, i.e. even in a situation where they do not have free cash to pay.
The average bill when paying by card is about a third higher than when paying in cash. Psychologically, it is more difficult for a buyer to part with the bills he is holding in his hands than to write off some numbers from the card account.
Acquiring reduces the speed of payment processing, because the cashier does not have to count cash and look for change. This is especially important for supermarkets, where large customer traffic causes queues to form.
Salaried workers and pensioners are increasingly receiving money from the employer or the state on their card. If you only accept cash for payment, you may lose a certain percentage of customers who will not want to go to the ATM and then return to you.
Many banks provide their cardholders with bonuses - partner discounts, cashback, participation in promotions, which increases the attractiveness of card payments for buyers.

As for the sellers themselves, acquiring for them eliminates the cost of cash collection and eliminates the risk of receiving counterfeit bills. If the turnover of your retail outlet exceeds 40 million rubles per year, then according to the law “On the 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 currently enjoy the right to defer the use of cash register equipment, you can only install a terminal. But do not forget that there is only a year left until the date from which those who are now issuing a BSO or sales receipt will be required to use the cash register. When choosing a terminal, check which cash register models it works with. It is advisable to install a model that is compatible with most cash registers.

How does the payment process occur during acquiring?

Despite the speed and apparent simplicity of card payments, acquiring is a complex technical process. Amounts from the buyer's card are not immediately credited to the seller's account, but pass 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 the national Mir system has joined them.

The acquiring bank must have a special processing center and provide fast communication using data transfer protocols. In addition, the bank monitors the presence of the required amount of money on the card, and if it is insufficient, blocks the purchase process.

After the purchase amount is debited from the card, the money goes to the acquirer, and then (usually the next business day) is transferred to the bank account of the seller or contractor minus the commission. That is, given the important role of the credit institution in this issue, one must ask the question: “Acquiring for individual entrepreneurs - which bank to choose?”

Of course, when choosing a bank for acquiring, just as when opening a current account, you must take into account its popularity, stability, high rating and participation in the deposit insurance system. We conducted a small study on the topic “Trade acquiring - tariff comparison” of well-known banks and suggest you familiarize yourself with it.

Acquiring conditions at Tinkoff

Acquiring from Tinkoff Bank is interesting for the following features:

you can choose a tariff that is convenient for you, depending on your planned turnover;
the commission for acquiring services is one of the lowest in the financial market - from 1.59%;
in the event of a temporary absence of trading operations, the bank does not charge payment;
proceeds are credited to the seller’s bank account on the next business day;
a terminal for card payments can be purchased or acquired for rent free of charge by simply connecting to one of the package schemes;
you can choose a stationary or wireless terminal model with connection via a SIM card;
communication services for two SIM cards to the terminal are paid by the bank;
free connection, setup and training in working with the terminal without a visit to the bank, the manager will come to the site and do everything himself.

We have compiled the data on the commission for Tinkoff Bank services into the tables “Trade acquiring tariffs comparison” .

For purchased terminal

For a terminal received for free rental

How to connect Tinkoff merchant acquiring:

Open a current account at Tinkoff Bank and select the tariff you will use (Simple, Advanced, Professional).
Decide whether you will purchase a terminal (cost from 18,500 to 19,500 rubles) or rent it out.
Leave a request to connect acquiring.
Agree on a time to meet with a bank representative who will deliver, install, configure the terminal and teach you how to use it.

Acquiring conditions at Alfa-Bank

A special feature of acquiring from Alfa-Bank is a mobile version of the terminal for accepting bank cards. This Pay-Me terminal is not inferior to classic POS terminals either in 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 bank account on the next business day. The commission for card payments ranges from 2.5% to 2.75%, but not less than 3.5 rubles per payment.

How to activate the acquiring service in Alfa-Bank:

Fill out an application for connection and submit it to an Alfa-Bank branch or your personal manager. In addition to the application, you will need an extract from the Unified State Register of Legal Entities/Unified State Register of Individual Entrepreneurs and a color scanned copy of the passport of the head of the organization or individual entrepreneur.
After receiving your documents, the manager will fill out an application to receive a mobile terminal, and for connecting the Alfa-Pay service, a commission of 354 rubles will be debited from the current account.
Within 3 business days you will be given access to the Pay-Me system and an invoice will be sent to pay for the mobile terminal.
After paying the bill, the mobile terminal will be delivered to you by courier.
Install the Pay-Me Bluetooth application for iOS or Android using instructions from Alfa-Bank and start accepting card payments.

If we talk about classic merchant acquiring with connection to stationary terminals, then Alfa Bank also provides this service, but on individual terms. In this case, a separate Internet line is required, a subscription fee is paid, and the seller’s turnover is taken into account to negotiate tariffs.

Are you planning to open a current account? Open a current account in a reliable bank - Alfa-Bank and receive for free:

free account opening
first account in foreign currency
certification of documents
Internet bank
and much more

Acquiring conditions at Sberbank

If we discuss trade acquiring (tariffs, comparison) when connecting this service through the largest Russian bank, we can note the following features:

it is not necessary to have a current account in Sberbank itself; money from card payments can also go to your account in another bank;
not so long ago it was possible to activate acquiring only on one of the tariffs (Trading Plus), but now this service is available to all clients;
if your current account is opened in Sberbank, then the money will be credited to it the next business day, but if the account is in another bank, then the period is extended to three business days;
if desired, the terminal and consumables for it are provided free of charge, however, with very low turnover, the bank may charge a service fee from 500 to 1000 rubles;
the commission is calculated individually in the range from 1.5% to 4%, depending on the amount of card payments (for example, for a turnover of 3 to 5 million rubles per month, the commission will be 1.75%);
connection to acquiring and installation of the terminal is free of charge, with a manager visiting the place of trade or service provision.

To find out everything about merchant acquiring - tariffs, comparison of connection and operating conditions - it is better to directly contact the bank where you have already opened a current account. Depending on the city and expected turnover, you will be offered different conditions, so it is impossible to give clear recommendations here.

The rapid development of non-cash payments around the world forces individual entrepreneurs, individual entrepreneurs and LLCs, to keep up with the times and use acquiring services. Moreover, bank acquiring rates are becoming more and more profitable for business every year. But even in such a situation, it is necessary to find an answer to the question: “Which bank has the most favorable rates for trade, mobile and Internet acquiring?” Before making a decision, you need to compare tariffs.

Let's start a little with theory. Acquiring is a popular service of banking institutions, which provides the opportunity for companies to accept non-cash payments by plastic cards. Three types of acquiring are popular in Russia: trade, mobile, and Internet acquiring (online).

There are 3 subjects involved in the process:

trade company(the shops);
credit organisation, which is the acquirer. The bank opens a current account for the company, and it provides the necessary devices for accepting payment cards;
issuing bank, which issues credit cards for you and me.

POS terminals are usually used as devices. Ordinary shoppers encounter them in stores.

Each enterprise is interested in cooperation with a banking structure that offers favorable conditions for trade acquiring for individual entrepreneurs or LLCs. Such a partnership will increase trade revenue and provide comfortable payment conditions for goods and services to consumers.

For this reason, many managers of individual entrepreneurs and LLCs have an urgent question: Which bank should I choose for trading or acquiring? To solve this problem, it is advisable to familiarize yourself with the conditions and acquiring tariffs of the most profitable banks in Russia.

Which acquiring service should you choose from your bank?

Most major banking institutions offer acquiring services. But they are not always beneficial for a particular trading enterprise. To make the right choice, experts recommend paying attention to several important points:

Type and price of equipment, which is offered by a credit institution. The amount of initial costs depends on the type of specialized equipment. Today, potential consumers are offered three types of devices for accepting payments: POS terminals, imprinters, and cash registers with an acquiring option.
Type of device communication. There are several options, but the most convenient and popular is the WI-FI wireless channel, and the most reliable type is Ethernet. GPRS or Dial-up can also be used.
Payment systems with whom the bank works. Each credit institution prefers to interact with certain IPS (international payment systems). The greater their choice, the lower the acquiring cost will be. The largest and most trusted IPS are Visa, MasterCard and the rapidly expanding Russian payment system MIR. In Russia, the main payment system should be Mir. Many experts are confident that it will be the one that will displace foreign interstate railways in the coming years.
Acquiring agreement. The contract should contain detailed terms and conditions that need to be carefully reviewed. The bank’s responsibilities should include: installing equipment, conducting staff training, ensuring uninterrupted operation of devices and round-the-clock technical support, guaranteeing the transfer of funds to the company’s account within the agreed time frame. Most banks providing acquiring services spell out all responsibilities in detail in the agreement. The main responsibility of the merchant is to pay the commission specified in the contract. Banks' tariffs for acquiring are different, so it is recommended that you familiarize yourself with them on the official websites of credit institutions before signing an agreement.
Quality of service of the acquiring bank. This indicator is evidenced by the willingness to provide technical support, the seriousness of the approach to training and other factors.
Deadline for transferring funds to the company account. The best conditions for acquiring banks imply this procedure to be completed within one to three days.

Experts identify several banking structures that offer trading enterprises favorable terms of cooperation.

Acquiring for individual entrepreneurs and LLCs: tariffs of the best banks

In order to make the right choice and use acquiring on favorable terms, we analyzed, compared and compiled a list of banks, which includes eleven popular companies with a good reputation and a low rate for accepting cards.

Bank Tochka – all types of acquiring with favorable rates for business

In one of the best banks for entrepreneurs, Tochka Bank, you can connect to the service of trade, mobile or Internet acquiring on very favorable terms at a rate of 1.3%. Acquiring is connected together with an advantageous current account.

Competitive advantages of acquiring tariffs from Tochka Bank:

Quickly transfer funds to your account (no more than 2 hours).
Rent a terminal at a minimum price per month.
Acceptance of all possible MIR cards, VISA, MasterCard, including contactless technology from Apple, Google, Samsung and MIR Pay.
quick processing of this service.

Acquiring with a low tariff from 1.25% from Life Pay

The next company in our ranking of the most favorable acquiring tariffs for individual entrepreneurs and LLCs is LIFE PAY. Today, the company's clients include many well-known retail chains and online stores. This indicates the reliability of the company and competitive rates in the market. And indeed, the tariff here is one of the lowest in Russia.

If you are looking for a low acquiring rate for a cafe, restaurant, grocery store, beauty salon, car wash or other small or medium-sized business, feel free to submit a request to LIFE PAY. The company operates throughout Russia with any type of business.

5 beneficial advantages of acquiring from LIFE PAY

You can connect trade, mobile and Internet acquiring, as well as an online cash register with an acquiring function.
Favorable tariff from only 1.25% (trade and mobile) and from 2.2% for Internet acquiring..
Transferring money to any current account of an individual entrepreneur or company in any bank.
Free installation and employee training.
Technical support and connection within 3 days anywhere in Russia.

Credit Europe Bank – trade acquiring with a free terminal

Tariffs of banks for acquiring are varied. Among them, the services of Credit Europe Bank stand out:

acquiring commission is from 1.5%;
funds are credited to the company’s account the next day;
acquiring with a free terminal is presented. An application for installation of equipment can be left online on the website.

Credit Europe Bank terminals accept cards from various payment systems, including contactless ones.

Internet acquiring from Yandex

Yandex Cashier is a specialized service that provides the ability to accept payments and transfer electronic money to other users. It is analogous to a cash register, but not in retail outlets, but on the Internet.

Tariff conditions for acquiring from Yandex:

Base(revenue is up to a million rubles). When paying by card, the percentage on goods with delivery is 3.5%, digital content and service – 3.5%, gaming content – 3.5, charity – 2.8%. When paying with the Yandex Money system, the percentage on goods is 3.5%, on digital and gaming content - 5.5%, on charity - 2.8%. When paying with WebMoney and QIWI Wallet electronic money, the interest charged is 6% when paying for goods, digital content, services and game content. When using Internet banking, when purchasing goods it is 3.6%, digital content 4%, gaming content - 5%, for charity - 2.8%.
Premium(with trading revenue of more than a million). When paying with a card for any goods, services and content, the interest rate is 2.8%. When using Yandex Money, 3% is charged when purchasing goods, 5% for digital and game content, and 2.8% for charity. When paying with a WebMoney wallet, 5% is charged when purchasing goods, digital services and game content - 5.5%, and 4% for charity. More detailed information can be obtained on the corresponding website.
Individual(card turnover more than 5 million rubles). In such a situation, tariffs are negotiated individually with the client.

Yandex is the best Internet acquiring for entrepreneurs who are actively developing their business on the global network.

Tinkoff Bank – all types of acquiring for modern entrepreneurs

The credit institution offers acquiring for individual entrepreneurs and LLCs on the following terms:

the amount of commission on turnover is from 1.59%;
funds are credited to the account within one business day;
There is no need to pay for renting a terminal; the bank provides it free of charge.
Without unnecessary documents and certificates. The principle of the bank is everything online, quickly and easily!

3 tariffs for any payment turnover

Simple. With a turnover of one hundred thousand rubles, the fee for the package is 1990 rubles, the effective rate is 1.99%.
Advanced. The fee for the package (turnover) is 2,690 rubles if its amount is 150,000. The effective rate is from 1.79%.
Professional. If the turnover is 250 thousand rubles, then the fee is 3,990 rubles, the rate is from 1.59%.

The bank offers favorable terms for trade acquiring for individual entrepreneurs and LLCs. A credit organization allows you to earn more by offering potential consumers discounts, cashbacks, and installment plans. It is possible to pay by phone: Apple Pay, Google Pay.

Trade acquiring service at Alfa-Bank

If we consider which banks to choose acquiring from, we cannot single out Alfa-Bank. The institution has the following advantages regarding acquiring for business:

an easy service for accepting payments with Visa, MasterCard, MIR cards in offline and online retail outlets;
there is no need for integration with a credit institution;
Possibility to use a mobile terminal or POS of your choice. The mobile terminal will allow you to accept all types of cards through your smartphone.

Alfa Bank today offers mobile, merchant and Internet acquiring. The client is charged a commission of 2.5%-2.75% of the transaction, but a minimum of five rubles. To activate the service, you can visit a bank branch, call or leave an online application.

Conditions and application for mobile acquiring of Alfa Bank

Conditions and tariffs for acquiring from Sberbank

One of the leaders in the market for accepting payments by bank cards is, of course, the largest bank in the country, Sberbank. As in other banks, the cost of services here depends on trade turnover, the number of terminals and even the region of business. The higher the card turnover, the less commission you pay to the bank. Both existing legal entities and individual entrepreneurs, and, for example, new individual entrepreneurs with.

How is acquiring different from Sberbank?

The minimum commission is from 1.6 percent for large turnover, but for small stores with medium and small turnover - about 2.15-2.5%.
It is possible to connect the Pay QR service from Sberbank to accept payments using QR codes. The tariff, in this case, will be from 0.6%.
Money can be received into an account in any bank.
Terminals for accepting MIR, VISA, MasterCard, UnionPay, JCB cards.
Money is credited the next day before 12 noon local time.

UBRIR – profitable acquiring service with a low rate

UBRIR offers favorable tariffs for trade acquiring. The fee charged is from 1.6% for accepting cards from any banks except UBRIR. Accepting non-cash payments from UBRIR cards is phenomenally profitable - the interest rate in this case is as low as 1% (a prerequisite is to connect the tariff to the Comfort Plus current account).

The equipment is provided free of charge, there is no need to open an account, connection takes three days.

For those wishing to accept cards, the following acquiring tariffs are offered at UBRIR:

Trade - existing clients.
Trading - new clients.
Internet payments.

It is advisable to familiarize yourself with detailed information about tariffs on the institution’s website.

Tariffs for acquiring from OTKRITIE Bank

Commercial Bank with state participation OTKRITIE offers convenient acquiring for small and large businesses: trade, Internet and trade commerce. The amount of the commission depends on the company’s turnover and the type of service it chooses. It is usually determined individually.

Many entrepreneurs who accept payments for goods and services with bank cards are wondering whether an online cash register is needed when acquiring. In this article we will answer this question, talk about the features of trade, mobile and Internet acquiring, share tips on choosing a bank and give instructions for connecting acquiring to an online cash register.

What is acquiring?

The term “acquiring” has become quite firmly entrenched in the everyday life of consumers. And if we do not use it in everyday speech, then the meaning of the word is familiar to everyone. Literally, “acquiring” (Acquiring, English) is translated as acquiring, purchasing.

Acquiring is the entire process from accepting payment using a buyer’s plastic card to crediting funds to the seller’s account. In the middle of this chain is the acquiring bank itself, which acts as an intermediary.

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In the rapidly developing digital technology market, payment can be made using contactless technology, for example, when the buyer's smartphone is pointed at the terminal. This operation will also be considered part of the acquiring process.

The principle of operation of an online cash register with acquiring

The algorithm for operating an online cash register with acquiring is quite simple at first glance, however, if you look at it from the inside, we will see many operations performed by the system between the processes of reading the buyer’s card and printing a cash receipt:

First, the terminal must read the buyer’s plastic card. For this purpose, the cashier swipes the magnetic stripe of the card through the reader, or the buyer places a plastic card on the terminal;
Next, the card data is transferred to the acquiring bank, in other words, the bank with which the store has an agreement to accept payments by plastic cards. The acquiring bank, in turn, carries out the process of identifying the issuing bank (the bank that issued the card);
After the acquiring bank communicates with the issuing bank, the issuing bank identifies the data of the plastic card owner in its database (at this stage, only a few seconds have passed between the contact of the plastic card and the terminal, and the terminal usually asks the card owner to enter a PIN code) and verifies balance of funds available for write-off;
The next step will be confirmation by the issuing bank of the presence of the required amount on the payment card and transfer of information to the acquiring bank;
The acquiring bank transmits the data to the payment terminal and to the online cash register, after which cash receipts are printed.

Debiting funds from a card is also subject to a certain pattern:

The amount required to be written off is first sent by the issuing bank to the acquiring bank;
The acquirer, in turn, takes the due commission (or accrues it in addition to the write-off amount, which will allow you to issue an invoice to the store in the future) and transfers the funds to the merchant’s current account.

Do you need an online cash register when acquiring?

At first glance, the connection between online cash registers and acquiring is quite transparent. After all, payments passing through the terminal are necessarily recorded in the recording device of the online cash register.

Comprehensive trade automation at minimum costs

We take a regular computer, connect any fiscal registrar and install the Business Ru Kassa application. As a result, we get an economical analogue of a POS terminal like in a large store with all its functions. We enter goods with prices into the cloud service Business.Ru and start working. For everything about everything - maximum 1 hour and 15-20 thousand rubles. for the fiscal registrar.

Let's consider the goals and objectives of these two devices.

Acquiring:

Works to ensure the possibility of making payments using plastic cards;
It works according to the following scheme: customer (store) → acquiring bank → issuing bank → store current account.

Online cash desk:

Generates paper and electronic cash receipts for customers;
Ensures that the Federal Tax Service is informed about all transactions carried out through the cash register;
It works according to the following scheme: customer (store) → online cash register → fiscal data operator → Federal Tax Service.

It turns out the connection is not so obvious.

Important! Acquiring without an online cash register will be able to work without any difficulties, just as the absence of acquiring will not make any significant changes to the operation of the online cash register.

Despite the fact that there is no direct dependence on each other in the functioning of the devices, they work in tandem. All sales going through the acquiring process are recorded at the online cash register, and the online cash register, in turn, generates the checks necessary to complete the acquiring process.

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What does an electronic check generated at an online cash register look like?

The electronic check must contain the same details as the paper one. Mandatory details on the check include:

The taxation system used by the organization;
Settlement indicator: sale/return;
Serial number of fiscal data;
Fiscal data indicator;
List of purchased goods with cost, price and applied discounts;
VAT for each item;
Serial number of the fiscal drive;
Fiscal document number;
Fiscal data transfer code;
VAT amount and tax rate;
Title OFD;
OFD website address;
QR code, which serves as an additional check of the authenticity of the check, etc.

Trade acquiring

Trade acquiring is the process of paying for goods by bank transfer at stationary retail outlets.

Since the flow of customers is often quite intense, when choosing a device for trade acquiring, a businessman should focus on the terminal’s performance - the higher it is, the more customers the cashier can serve per day.

Mobile acquiring

Mobile acquiring is used in the operation of delivery services, to provide services to the population at home or for small businesses. All these areas do not require a large flow of visitors, and therefore an entrepreneur can afford to purchase a more budget device model.

The most common model is the mPOS terminal - the most compact version in the entire family of POS terminals.

It is attached to the owner’s device, usually a smartphone, and with the help of a simple program it performs the functions of a payment terminal.

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The most significant advantages of mobile acquiring is the possibility of using it for courier delivery, traveling trade, etc. That is, wherever compactness is valued, an mPOS terminal will come in handy.

However, the device has its drawbacks:

data processing speed is an order of magnitude lower than that of a conventional terminal;
cannot print receipts for customers (but can send electronic versions);
can only work with a wireless connection;
tariffs for mobile acquiring are often higher than average.

Internet acquiring

For entrepreneurs conducting their activities via the Internet, the issue of payment by bank transfer is one of the most important, because this is how most buyers pay.

An exception may be payment for the goods at the time of receipt, but in this case the site is not an online store, but serves as a showcase.

Payment with a plastic card in an online store is carried out without using a terminal; it is enough to install an Internet acquiring form on the website.

For the buyer, everything looks quite simple: at the time of purchase, a form appears on the screen in which you need to enter the details of the payment card and its owner, then you may receive an SMS message with a confirmation code (this function depends on the issuing bank) and after entering it, the operation is successful ends.

In order to connect Internet acquiring to the site, an entrepreneur must enter into an agreement with the bank itself.

There are three types of integration of an online store with acquiring:

1.Easy integration

the form code for accepting payment is generated by the bank itself and is posted on the website;
the payment page is sent to the buyer with a link to his email or phone number (electronic invoice).

2.Modular integration

In the case of modular integration, an entrepreneur can connect acquiring by independently using a module/plugin for CMS (Content Management System). For example, in the case of Sberbank Internet acquiring there is the possibility of integration with Joomla, ModX, OpenCart and 1C.

3.Full integration

The entrepreneur independently develops integration according to Internet acquiring documentation. In this case, a payment form can be created taking into account the specifics of the online store’s business processes, for example, linking payments to billing.

This type of integration will be the most expensive, because it will require the help of a developer.

How to choose a bank for acquiring?

Today, almost any bank can offer acquiring services for online cash registers. And although there are more than enough offers, the tariff rates are mostly quite close.

Banks also cannot please the consumer with a variety of functions. Entrepreneurs can only rely on special conditions offered by one bank or another. These conditions may include:

Reducing the percentage charged by the bank for the acquiring procedure depending on the store’s turnover. This offer may be of interest to stores with high traffic;
Reducing the tariffs of acquiring banks in relation to cards issued by them;
Reduced acquiring tariffs if an entrepreneur buys and installs equipment himself, or leases it from an acquiring bank.

How to choose a terminal for acquiring?

There are several types of acquiring terminals on the market. Let’s look at how they differ from each other (except for price), and for which areas of business they are more suitable.

Stand-alone and stationary POS terminals

Such terminals can send payment data to an online cash register via a wireless service. A modern POS terminal must have a slot for inserting a payment card and operating a contactless payment system.

Stand-alone POS terminals differ from those that operate from a power source because they have a built-in battery, are light in weight, and are small in size.

Important! Not all POS terminals have the ability to accept cashless payments. Before purchasing, you need to check whether the device has this function. If not, you will have to purchase a card reader for the POS terminal and connect it via USB.

Examples of such acquiring terminals:

VeriFone Vx510 (the terminal can launch various cash applications that allow not only depositing money into an entrepreneur’s account, but also, for example, into a mobile phone account), costing from 15,000 rubles;
Ingenico iCT220 (features a higher speed of issuing receipts, which is important when there is a high flow of customers during rush hour), price from 19,000 rubles.

Modular devices: computing module plus card reader

The acquiring terminal, which looks like a card reader (a device for reading cards), cannot work on its own. It must be connected to the computing module. For example, to a computer with a fiscal registrar or to an online cash register with a smartphone.

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The service will improve the efficiency of the store by reducing the loss of inventory, significantly speed up the process of revaluations, printing price tags/labels, strictly discipline the cashier’s work and limit his capabilities when working with discounts/sales at a free price.

Examples of popular readers:

The P 2100 tier is popular due to its low price of 13,000 rubles, but does not have the option of contactless payment;
VeriFone Vx 805 (average receipt printing speed) has the function of accepting cards with contactless payment, the device costs from 15,500 rubles;
Ingenico iPP 320 (average price, large display, high speed receipt printing) also has the ability to accept cards with contactless payment. The price starts from 17,000 rubles.

Features of the device - a miniature card reader with a pinpad is attached to a mobile device. For example, to a tablet with a cash register program.

Such acquiring terminals appeared less than 10 years ago, and many buyers have not yet seen them.

Advantages of the MPOS terminal:

it is very compact, smaller than a bank card;
quickly makes calculations and sends data to the cashier;
quickly connects to the module.

The MPOS terminal, like other acquiring terminals, operates in compliance with payment data security requirements.

For example, MPOS devices are actively promoted by Yandex.Kassa along with the connection of acquiring services. The proposal is as follows:

Yandex.Checkout commission is more expensive than what banks offer. However, the price of the reader is low. Convenient for courier or food trucks.

How to connect acquiring to an online cash register?

In order to connect an online cash register to acquiring, a businessman must enter into an agreement with the acquiring bank. To do this, you need to collect the following package of documents:

Certificate that the organization is registered with the tax authorities;
Extracts taken from the Unified State Register of Legal Entities;
If the entrepreneur is of interest to the organization, it will be necessary to collect a package of constituent documents;
Documents from the bank confirming that the organization has a current account;
Confirmation of the right to use a trade enterprise (rent of premises, ownership);
Licenses if the company’s field of activity requires their availability.

After a thorough analysis of the information received by the bank's security service, and in case of a positive decision, an acquiring agreement is concluded between the store owner/organization.

The next step is that the store, in accordance with the acquirer’s requirements, is equipped with the necessary devices on which the required software is installed. And a payment form is installed on the online store website.

After ensuring the technical side of the issue, store personnel are trained.

To summarize, we can say that acquiring is a necessary tool for every entrepreneur, since an increasing number of buyers prefer non-cash payment.

Important! The absence of acquiring in an organization will not allow accepting non-cash payments, and may also lead to an outflow of customers for the same reason.

In addition to the ability to accept non-cash payments from customers, installing a terminal can also create trust in the store - if the store has an acquiring terminal, then it has an agreement with the bank, whose security service has checked the organization.