With the advent of bank cards, their functionality has constantly expanded. Over time, paying with plastic has become commonplace, first in large supermarkets, and then in all places where goods are sold or services are provided. It became possible to provide such a procedure with the introduction of acquiring. Many people are interested in the question: how to connect Sberbank acquiring and tariffs for individual entrepreneurs.

Payment bank cards- it’s not simple and convenient, it’s profitable and modern

By importance in life modern man The cashless payment service at retail outlets can be compared to a mobile phone, no less familiar to everyone, without which no one can imagine their existence.

What is acquiring

In a broader sense, this concept implies banking service, the essence of which is to provide organizations with the opportunity for their clients to make payments using payment cards. The list of services includes informational, settlement service and provision of equipment that allows non-cash payments. Thanks to this service, individuals have the opportunity to pay with cards for any purchase in any store and on the Internet, without resorting to using cash.

Acquiring is a whole package of benefits for each client

Sberbank, as the largest acquiring bank in Russia, offers the following types of acquiring:

• trade,
• Internet,
• mobile.

The most popular trading one: it allows you to make payments in almost all stores selling various goods, as well as in organizations providing services (hotels, restaurants, cafes, etc.). Payment is made using a card and POS terminals installed at the checkout. When paying for a purchase, the terminal reads the details from the card and debits the purchase amount from it, which is transferred to the account trade organization. POS terminals are the property of the bank and are provided to legal entities after concluding an agreement for the provision of services. For renting equipment, a legal entity pays a commission to the banking institution, the amount of which depends on the volume of cash turnover.

Internet acquiring today is becoming more and more popular due to the fact that Russians are increasingly making purchases in online stores and websites.

The convenience is that there is no need to install special equipment: the acquirer connects the client to special program. The software becomes available after a legal entity submits an application and concludes an agreement. In this way, buyers pay not only for goods, but also for various services - utility bills, fines, etc. However, they do not pay a commission.
Today, payments using payment cards are designed not only for large retail chains, but also for medium and small businesses

Mobile is just starting to gain popularity. This option uses mobile mini-terminals that are not tied to a specific location, as is the case at the checkout counter in a store. For example, it is used when a courier delivers goods to a home, when the buyer pays for the goods with a card. This service is suitable for those companies that are allowed to accept payments without a cash register or for those who work on UTII.

Commission and tariffs

The size of the commission primarily depends on the type of service. U merchant acquiring Sberbank has the lowest rates. It includes the rental cost for the provided equipment and a commission for non-cash payments. The acquiring bank withdraws interest only from the legal entity; this service is free for the card holder. Thus, the bank motivates customers not to withdraw cash from an ATM, but to make purchases using plastic.

The most expensive option today is the mobile option. For using mini-terminals you must pay 2.5-3% of the payment. But such high interest rates pay off with payment security and ease of payment for customers, which allows companies to expand their customer base.

At Sberbank, Internet acquiring provides tariffs for individual entrepreneurs in the amount of 2-2.5%. The commission is taken not only for remote payments, but also for ensuring the security of users.

For several years now, the ability to pay by card at a point of sale has been the responsibility of every business owner.

Trade acquiring Sberbank: tariffs and conditions

For this service banking organization established the following tariffs – 0.5-3%. The price includes payment for rented terminals and a percentage for the volume of plastic payments made. The amount depends on the tariff plan chosen by the legal entity and the monthly turnover of the outlet. To connect, you will need to fulfill a number of conditions:

• availability of a current account with the acquiring bank;
• installation of POS terminals.

For owners of trading organizations, it is important to decide on the choice of payment instruments, because the rental amount for the equipment depends on this. The commission per transaction is on average 1.7-3%. For high-volume network trading, it can drop to 0.5%. The rule here is: the more payments, the lower the commission. The tariff for terminals also depends on the number of devices, in some cases it is completely absent.

There are two types of services: trade and Internet acquiring

Tariffs for individual entrepreneurs

At the bank, the prices for the service for individual entrepreneurs differ in cost. They are influenced by the following factors:

• retail outlet turnover - the higher it is, the lower the commission;
• type of cards accepted for payment - for Maestro VisaElectron the commission fee is lower than for servicing other payment cards.

Security and convenience of payments

Cashless payments are the future. Buyers have long appreciated all the advantages of purchases of this kind. It's safe and convenient: there's no need to carry cash with you and risk being robbed. In addition, errors occur less frequently when making payments at the checkout; the service itself occurs instantly, which significantly saves the buyer’s time. There is no risk of getting it when surrendering counterfeit bills. The buyer does not need to look for the nearest ATM to withdraw money for purchases.

Acquiring is the acceptance of plastic cards to pay for goods and services. It’s hard to imagine our life without him now. Cashless payments in Russian stores, 40% is provided by Sberbank. It costs clients nothing to pay for purchases with a card, but individual entrepreneurs pay the bank the cost of acquiring carried out at their retail outlets. At Sberbank, acquiring tariffs for individual entrepreneurs are formed under the influence of several factors.

Acquiring cost for individual entrepreneurs

Sberbank provides 3 acquiring options - trade, mobile and Internet acquiring. They provide the needs of entrepreneurs with different types activities. The cost of acquiring services is calculated as a percentage of the amount of payments made through the bank’s equipment.

Trade acquiring. Retail outlets use POS terminals that accept cards, both magnetic and chip, for payment. Many stores are already equipped with devices for contactless payment(to do this, you just need to bring the card to the terminal). Cash terminals can be wired (for stationary cash registers) and portable (for restaurants, courier deliveries, taxis). The cost of merchant acquiring ranges from 0.5% to 3% of total amount transactions.

Payment by card via terminal

Internet acquiring. Individual entrepreneurs conducting business via the Internet enter into an agreement with Sberbank, as a result of which they can accept payments through a special module. The entrepreneur places it on his website and connects the service. Customers use it to safely pay for their purchases. For individual entrepreneurs, Internet acquiring costs on average 2-2.5% of the total transaction amount.

Mobile acquiring. This option is a mobile phone application through which transactions are carried out. It completely replaces cash register equipment. The client just needs to bring it to mobile phone card - and the payment is made. This type of acquiring is the most expensive; it costs entrepreneurs an average of 2.5-3% of the transaction amount.

Equipment rent

Entrepreneurs do not need to buy POS terminals for acquiring. Sberbank provides this equipment for rent. To use acquiring, a legal entity opens a settlement account with Sberbank. Its cost is from 0 to 2000 rubles per month, depending on tariffs and service conditions. The equipment rental price is 1500-3000 rubles per month. It is determined depending on the type of device and the number of devices used by the entrepreneur.

The rental price includes connecting devices and providing assistance in employee training. Cashiers will be told how to use the equipment correctly. They will receive a lecture on merchant acquiring from Sberbank.

The bank provides free technical support to clients. If a POS terminal breaks down, Sberbank repairs or replaces it software at your own expense. For technical support questions, clients can also contact bank employees by calling toll free number 8-800-555-55-50.

Transaction fees

At Sberbank, the commission charged to individual entrepreneurs for acquiring is determined by the following factors:

• the amount of cash turnover per month - the more transactions are made through the terminal, the lower the bank’s commission;
• type payment cards accepted by the entrepreneur for payment - the service fee for Maestro Visa Electron cards is less than the fee for other plastic cards.

It is profitable for individual entrepreneurs to offer clients payment for goods and services by card. The bank's rate directly depends on the amount of payments made through the terminal. By increasing the number of transactions performed, you can reduce the bank's commission. For legal entities with a large volume of payments, the service fee can drop to 0.5% (this usually happens in online trading).

Acquiring from Sberbank

Other costs

Sberbank can install minimum size payments that must be made through the terminal (for example, acquiring in an amount of at least 50,000 rubles per month). If cash turnover for the month is lower established limit, then a fine is imposed on the entrepreneur for idle time of the terminal. Its size is determined according to the tariff plan. The approximate amount of the penalty charged by Sberbank is 2,500 rubles.

The interest accrued to the entrepreneur for using acquiring is calculated automatically for each transaction. The cost of one operation depends on the total monthly turnover and the tariff chosen by the entrepreneur. Therefore, before connecting cash register equipment, you should compare acquiring options and choose the most suitable one tariff plan. This will help avoid unnecessary costs.

Installing a Sberbank ATM in your own store: rules and features

An ATM is software and hardware that allows cardholders from various banks to withdraw, transfer and deposit cash. A device of this type was first created in 1967. Initially, the ATM functioned only in money dispensing mode. In the process of technological development, the device was refined, and today it already fulfills its purpose in full.

Installation Features

Installing an ATM is not difficult if you comply with all safety requirements and rules.

Important. Due to its functions, an ATM often becomes a target for hacking and robbery. Therefore, this equipment requires compliance with appropriate protection standards.

Today, the ATM is installed not only on the territory of a financial and credit organization. By prior agreement, they are installed and connected on the territory of any organizations and structures. For example: in shops, hairdressers, restaurants. And also in administrative buildings, shopping centers, postal services. This device often began to appear in various stores. An ATM in a store is installed inside or outside the building. The main thing is that it meets technical standards and is under the protection of special services.

Choosing a location to install an ATM

In banks, such devices are installed in prepared specialized niches, inside or outside the building. To install a Sberbank ATM in a store, there are no special requirements for its owner. The owner will only have to ensure the safety of the terminal by using the services of a security service. In addition, it is recommended to choose an increased level of protection, which will prevent the safe from any break-ins. Additionally, video surveillance is installed in the system, this allows you to avoid possible robbery. This is especially true if you plan to make the ATM 24/7.

For a store, an ATM must have burglar alarm with a warning system and a third class of burglary resistance. If various threats arise, this will help the store owner to notify the security service. Before starting work on installing the device, close the store, since this process is not quick, and it is also not advisable to do this in the presence of a large number of people.

Important. You can begin installation only after submitting an application to Sberbank and its approval. The application form is filled out at a Sberbank branch or on the official website.

After this, the Sberbank ATM is installed in the store. So, do this?

Stages of installing an ATM in a store

The installation process is carried out in several stages:

1. A location is selected to install the device, which should be visually accessible for control by security personnel. In the store it is recommended to place it away from shop windows and other glass structures. Another condition for installation is that there should be no direct access to the ATM by vehicles.
2. Conclusion of an agreement between the bank and the store where the ATM will be located.
3. Preparing the floor and walls for installing a software and hardware device. At this stage it is necessary to ensure that the floors are durable and can withstand 900 kg or more. In addition, the surface must be flat and horizontal. Compliance with these requirements is checked using a building level.
4. Next, drilling is done in the floor to create installation holes. After this, the device is attached to them using anchor bolts. If the ATM is mounted in the wall of a building, then the distance between the wall and the panel is filled with sealant, which will be resistant to various weather changes.
5. After installing and securing the terminal, it must be equipped with a video surveillance system and security alarm. Without these elements, the device will become easy money for criminals.
6. Provide the device with a stable power supply. It is recommended to ground the equipment so that the equipment operates without breakdowns or interruptions.

ATM installation cost

A certain, approved price for this procedure No. Tariffs for installing an ATM usually vary from 10,000.00 to 25,000.00 rubles. This indicator depends on a number of factors:

1. From equipment configuration.
2. Installation locations.
3. Difficult to install.
4. Availability additional expenses in the form of an alarm or CCTV camera.
5. Cost of specialist services.

All these factors have different impacts on the price of a particular installation.

Important. When installing a device in a store, you should carefully select specialists and components for the equipment. You should not save on this, as this may negatively affect the quality of operation of the device.

Installation of ATMs in populated areas and villages

Plastic cards have long become popular not only among city residents. Now many individuals small settlements salaries and pensions are transferred to cards of various banks, including a Sberbank card. Not all settlements are equipped with ATMs and terminals for using a bank card. In this regard, the question arises: how to withdraw money if there is no appropriate device? Why are ATMs not installed in some villages? After discussing this issue with the heads of administrations and Sberbank, the authorities came to the decision that they were ready to install ATMs, but subject to the premises meeting safety standards.

Installation failure may be due to the following reasons:

1. There is no technical possibility.
2. Difficulties arise when trying to secure equipment to a particular structure. This may lead to theft of funds from the device.
3. An insufficient level of security provided can also serve as a reason for refusal to install. Especially in small settlements, special attention must be paid to this point.

Despite the complex requirements, for Lately More and more villages are being equipped with Sberbank ATMs and customer service offices.

In areas where ATMs have not yet been installed, alternative measures are being taken. From time to time, mobile service points with cashiers and special equipment come to the sites. This allows the population to cash out their funds and make various transfers and payments.

Gradually, banks are agitating for the transition to non-cash use of funds. But still on this moment ATMs and terminals are freely accessible and large quantities only in big cities.

Compared to previous years, the number of cities and villages in which ATMs appeared has increased. More third party organizations, not related to financial structures, submit an application for their installation at their points. This approach will allow clients to choose convenient way payment for a product or service, as well as attract new consumers to the merchant.

How to install a bank POS terminal for card payments

Nowadays, the opportunity to pay for goods and services by bank transfer is provided by almost all companies offering any goods and services. Therefore, many types of businesses require the installation of a special POS terminal; it allows you to accept payments from a bank card. This method of accepting payment is mandatory for everyone, since if it is not available, you can lose a client.

Below is information on how to install a bank terminal for card payments in a store or any trade organization to accept payments.

What is acquiring?

Acquiring- this is the acceptance of payment by bank cards as a means of payment for goods, works, and services. Carried out by an authorized acquiring bank through installation at trade or service enterprises (TSP) payment terminals(POS terminals in the case of traditional trade acquiring, mPOS in the case of mobile acquiring) or imprinters.

Features and advantages of terminals for cashless payment

Almost all modern retail outlets have a special acquiring terminal - a device that can be used for payment bank cards. The terminal reads the information contained on the card: for this, either a chip or magnetic strip, or a special contactless module that transmits information to the bank can be used.

After the data received by the bank from the card is received, the user is prompted to enter a PIN code, and then the information is checked. If the PIN code is correct and the requested amount is available on the card account, the payment is made and confirmed by a printed receipt.

Using POS terminals provides many benefits for both businesses and customers. The most important are the following:

• The possibility of cashless payments attracts more customers who are accustomed to using plastic cards for payment.
• An increase in the average bill, which is due to the lack of financial restrictions inherent in cash payments. In addition, large unplanned purchases are more likely for card users than for those who prefer cash payments.
• No possibility of receiving counterfeit banknotes.
• Simplicity and convenience in calculation and in recalculation and delivery, reduction of queues.

Installing a POS terminal does not take much time and does not require the provision of an extensive list of documents. All you need to do is open a current account in any bank and submit a financial institution a special application, accompanying it with the established package of documents. To install a terminal, an entrepreneur must enter into an agreement with the bank on the provision of acquiring services. Within 10 days after signing it, bank employees install the POS device and, if necessary, conduct staff training.

Properties and differences

Non-cash payment points depend on the type of business entity. For example, in regular stores stationary devices are used; as a rule, they are located at the checkout. When providing services on-site, it is possible to use a mobile phone bank terminal, controlled by a remote PC using a special application. The second type of payment terminals is quite easy to use and involves lower maintenance costs.

Regardless of the method of application and whether it belongs to one type or another, the POS terminal consists of several components:

• system unit;
• software;
• monitor;
• a display that is necessary for the buyer to carry out the transaction;
• keyboard;
• built-in or stand-alone card reader – card reader;
• check printing device;
• fiscal part.

In addition to information about payments made, this device can store in its memory data about the properties of goods, expiration dates and prices. Due to these features, the POS terminal is very practical, convenient and beneficial for both buyers and business entities.

Documents, organizational features + List of banks

How to install a terminal for paying with bank cards? The process of installing a payment terminal and the list of documents that an organization must submit to use non-cash payments may differ depending on the organizational form you choose.

Since accepting payments requires opening a current account with the acquiring bank, so if you are already their client, then usually no documents are required. When submitting an application, you only need to indicate your TIN, after which they will contact you and arrange a meeting to conclude an agreement.

The acquiring agreement provides for the transfer of funds for non-cash payments to a specific transit account, from where they are received from the cards of clients paying for goods/services by non-cash method. Depending on the terms of the concluded agreement, the type of POS terminal and some other factors, the commission that an enterprise pays to the bank for performing a non-cash payment may differ slightly.

InstallationPOS terminal in retail outlets is now causing a lot of controversy. Some advocate for the freedom of choice of the entrepreneur, let him decide whether to install such a device for him or not. Others protect the rights of the buyer, who has the right to choose how to pay, in cash or with a bank card. But all disputes come to an end; after all, the buyer is always right.

In 2013, the State Duma already received a draft amendment to the law “On the Protection of Consumer Rights”, according to which all retail outlets should be equipped with POS terminals, but it has not yet been considered.

But the adoption of these amendments is not far off; they were not adopted not because of concern for sellers, but for other reasons. The Russian Ministry of Finance is preparing to introduce a national payment system, as soon as it is created, these amendments will be given the green light.

So it’s better for retail outlet owners to prepare in advance - installationPOS terminal to their stores is inevitable. To do this, an entrepreneur needs to have a current account with a bank, and not necessarily in the one that will install this electronic means of accepting payments. You can have an account in any other one, just the bank that sets it up will open a so-called transit account. This is where funds withdrawn from customers’ cards will go.

And then they will be transferred to the entrepreneur’s main account. But in this case, more time will pass between paying for the goods and the appearance of money in the current account. But still it should be no more than 6 banking days. 3 days for processing money in a transit account and the same for transferring to the main account. But this is the maximum declared by banks. In practice, all operations usually take two to three days.

InstallationPOS terminal requires presentation of a package of documents to the bank. If the current account is opened in the same bank, then you will need to bring a certified copy of the certificate of ownership of the premises where the retail outlets are located, or the lease agreement for such premises.

After checking the retail outlets, the bank concludes an agreement for the installation of equipment, and after about 10 days it should be installed. Banks usually stipulate this period in contracts.

Without opening an account, you need to bring more documents to the bank.

For individual entrepreneurs:

• Copies of state registration certificates and registration certificates with the tax authority;
• Extract from the Unified State Register of Individual Entrepreneurs, no older than one month;
• Copy of the passport individual entrepreneur;
• If available, a copy of the license for the right to engage in a certain type of activity;
• A certificate from the bank where the current account was opened, which should indicate its number and date of opening.

For other legal entities:

• A copy of the constituent agreement with all amendments or a copy of the decision to create a legal entity (hereinafter referred to as the LE);
• A copy of the charter;
• A copy of the order on the appointment of the head of the legal entity;
• A copy of the passport of the head of the legal entity;
• A copy of the state registration certificate;
• Extract from the Unified State Register of Legal Entities, no older than 1 month;
• Information notice from Rosstat;
• A copy of the certificate of registration with the tax authority;
• Certificate from the bank where the current account is opened.

All copies are certified with the signature “Copy is correct”, full name of the manager or individual entrepreneur, his signature, if any, seal.

So, is it profitable to install a POS terminal at a retail outlet? Yes, when you install it, the bank will have a trade concession on each transaction. On average, it amounts to 2-3% of the purchase amount throughout the country, and can be increased in six months or a year if there are few transactions. But, having lost part of the profit from the proceeds, the owner of the outlet gains additional customers who do not currently have cash, but have a bank card with them.

Many sellers say that sometimes a person comes in, asks the price, and chooses the right product. But there was no cash, I went to withdraw money and did not return for the purchase. Credit bank cards are also popular among the population now. Moreover, the condition of most of them is that when withdrawing money through ATMs, a commission is charged by the issuing bank, usually from one and a half to five percent.

The same thing happens when receiving money through an ATM of another bank. And when paying through a POS terminal, no commission is charged from the buyer at all - this is the requirement of the payment systems to which the card belongs. Therefore people with credit cards and bank card holders whose ATMs are not nearby (visitors or tourists) try to make a purchase using non-cash payments.

Another reason for installation is purely psychological - a person with a card does not see the money “live” and therefore usually spends more on purchases.

Thus installationPOS terminal gives the owner of the outlet new customers who will pay with bank cards, thereby increasing its turnover. And entrepreneurs know very well that this has a beneficial effect on profits. Therefore, by installing a POS terminal, entrepreneurs not only enrich the bank with commissions, but also their own profits become greater.

Video on the topic

Installation of POS terminal. Main problems

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

What it is?

An acquiring terminal is a device that performs:

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

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

Advantages

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

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

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

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

Installation procedure

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

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

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

Documents for individual entrepreneurs

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

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

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

What do legal entities provide?

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

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

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

How is money transferred?

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

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

Types of cashless points

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

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

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

Main elements of the acquiring complex

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

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

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

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

Using cash is becoming a thing of the past. Currently, the popularity of fast payment using a plastic card is growing. Thanks to such calculations, the number of customers in a store or cafe increases significantly. In order not to lose customers, owners of shops, restaurants, cafes and other establishments install special devices that allow for non-cash payments. This device is called a terminal. A terminal for paying with bank cards for a store is an indispensable thing when doing business.

Concept and device

Start entrepreneurial activity V modern world can't do without the latest devices. One of these is a device that eliminates cash payments. Many novice entrepreneurs begin to look for information about the name of the machine for paying with bank cards. This device is called a POS terminal. English letters indicate “point of sale.”

A narrow concept means a device for using plastic cards. The extended term POS terminal for individual entrepreneurs and other forms of business activity can be deciphered as a complex hardware and software mechanism for making payments to customers who want to make a purchase at plastic card. Thus, when answering the question “what is the name of the terminal for paying with a bank card,” the answer is POS terminal. The complex mechanism consists of the following elements:

• Monitor – necessary when monitoring the entered information;
• System unit – ensures transactions related to settlements;
• Customer display – displays purchase indicators, cost, volume;
• Keyboard – required for entering product information;
• Card reader – designed to process data from the card;
• Pin pad is a separate element configured to enter a card code;
• Printing mechanism – ensures the output of checks;
• Fiscal part - adapted for storing cash, can be mechanical or automatic;
• Barcode scanner – carrying out scanning operations of a product code;
• Software.

Accounting for completed transactions

A bank card payment terminal is comparable to a cash register. But he does not account for completed transactions. Such a device can store data about a product - price, description, expiration date, etc. Large terminals are installed in large chain stores. They are used to speed up the process of selling goods. Such a device for cashless payments will cost a tidy sum of money upon purchase.

If you have a small store, you can use separate device for cashless payments. This device is compact and can be moved quickly. A terminal of this type is divided into the following components:

• Small display;
• Reading element;
• Keyboard for entering certain indicators (card PIN code, service settings);
• CPU;
• RAM;
• Modem based on GPRS connection for data exchange;
• Receipt printing device;
• Power supply or battery;
• Port for connecting to cash register equipment.

A card payment terminal must have all the quality certificates to serve clients who want to make payments through international payment systems. It is also necessary to include the device in a special list of tax authorities.

Scheme of work

The card payment terminal involves several functional steps. The buyer sees only the external operation scheme: inserting a card, reading data, entering a card code, approving a payment, printing a receipt. In fact, making a payment using a card is a complex transaction-based process. The terminal is only separate element in the process of making a non-cash payment.

The machine for paying with bank cards involves the following stages of operation:

• Voicing by the client the desire to pay by card;
• If the cost of the product is high, the store employee has the right to demand an identification document of the client;
• Entering data on the price of purchases by the cashier;
• In relation to the installed equipment, the card data is being read;
• The data that is read from the client’s card and the result of the purchase is reported to a special processing department of the acquiring bank (the bank that works with this device and transfers the received funds to the seller’s account);
• Information from the processing department goes to the microprocessor system information analysis department for authorization;
• If approved, the information is reported to the issuing bank servicing the client’s card;
• After checking the legality of the card and the availability of funds in the account, the operation is approved or refused;
• Data on the positive or negative outcome of the payment is reported to the data analysis department, then to the acquiring bank and to the terminal;
• Two receipts are printed, where the total of the purchase, the authorization code dependency, and other data on the progress of the payment are written;
• At the end, the device sends a response to the processing center about the operation performed.

Responses to operations

Terminal for cashless payments may display various responses:

• Refusal – reports refusal to perform an operation. The reason may be the lack of the required amount of money in the client’s account.
• Withdraw – reports that the card has been blocked by the owner or the bank servicing the card.
• Request to the bank - occurs in cases where the bank uses additional data about the cardholder.

After a customer's payment transaction is completed, the device is ready for the next payment transaction with another customer.

The payment device must be connected to acquiring. This is a service that the bank provides to owners of various establishments for conducting non-cash payments. If you want to install such a device in this store or cafe, the owner thinks about the question - how to connect the terminal for payment plastic cards. To do this, the entrepreneur must enter into a service agreement with the bank. The provision of equipment is possible on the terms of a rental agreement or sale. The contract specifies all the conditions for the provision of the device. The amount for using the device can be within 1.5-4.0% of full cost purchases.

Monoblock terminal

Varieties

With regard to the composition of functional elements, terminals are divided into types:

• Monoblock;
• Modular.

Monoblock devices characterized by the fact that all components are located in one shell. Such devices are installed in establishments or stores where there is a small flow of customers.

Modular bank card payment terminal consists of a system unit designed for wide operation. The keyboard, printer and other elements can be taken out separately. This type of device differs from the monoblock type due to the many wires and cables connecting the equipment. Modular devices can be equipped with different elements depending on the needs of the store. These machines have the big advantage of locating individual modules at some distance from each other, facilitating the cashier’s work process and increasing convenience for the client.

Cashless payment terminals in large retail stores and chain complexes are usually installed in a modular manner. Such stores have high customer traffic.

There is another type of such devices called dispersed-modular. They are equipped in such a way that individual components can be placed at a large distance (about 5 m). These devices are used in restaurants, fast food cafes and other establishments.
Based on the type of acquiring process, devices are divided into the following categories:

• Trading;
• Internet acquiring;
• Mobile.

Vending machines placed in places where contact between seller and buyer occurs. They are divided into portable and non-portable. This type is considered popular in shops, hotels, cafes, beauty salons, etc. How much does a card payment terminal cost in this case? When purchasing a device, the price will vary within 15,000 rubles. In a situation where the device is rented, the cost of use will be 1000 rubles per month. Users of vending devices note greater benefits from purchasing a device when compared with rental conditions.

Installing a terminal for paying with commercial bank cards involves concluding an agreement to open a settlement account with the acquiring bank.

Devices operating via Internet acquiring, differ from trade types in the absence of personal interaction between the seller and the buyer. Calculations are carried out online. The client pays for services or products using a card online. You only need to indicate the cardholder's details and card number. Internet acquiring costs about 6,000 rubles when connecting to a payment page. The fee paid to the bank for Internet acquiring services is equal to 2.5-4% of the total purchase amount.

Mobile terminal

Mobile terminals

Mobile view is a mini-device in the form of a card reader that works by connecting to a mobile phone or tablet. To operate the device, you need to download a specific application that requires access to the Internet. Mobile terminals for card payments are considered the most convenient devices due to their small dimensions.

The operation of the device consists of its initial registration. After installing the application and going through the registration stages, you can monitor completed operations and create template steps. A terminal for paying with bank cards via telephone involves providing check data to the buyer in in electronic format by sending to an Internet mailbox or via SMS. Making a payment requires the buyer's signature on the device screen.

Mobile payment terminals are in turn divided into subcategories:

Equipped with Bluetooth, USB port, audio output;
There is a read strip or chip component;
Digital or analogue.

Few banks offer the service as a portable terminal for paying with bank cards.

Additional disadvantages of devices of this type are:

• Low safety record;
• Duration of operations;
• Customer mistrust.

Mobile POS terminals can be purchased for about 1,600 rubles. This device cannot be rented. Commissions for using mobile phone services amount to 2.5-3.0% of the purchase amount.

Acquiring banks working with terminals

You can buy a mobile terminal for paying with a bank card or other types of similar devices in the following banks:

• Sberbank;
• Alfa Bank;
• Privatbank;
• Promsvyazbank.

A popular bank that provides services in the field of equipping stores with cashless payment devices is Sberbank. The Sberbank terminal for individual entrepreneurs involves submitting an application to a bank branch with the provision of the necessary documents.

A terminal for payment by bank cards for individual entrepreneurs allows you to speed up the payment procedure for clients. This device will facilitate the collection of proceeds.

The usefulness and benefits of such devices are justified by the fact that in the modern world a person cannot do without a bank card.