With the advent bank cards their functionality is constantly expanding. Over time, payment 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 are interested in the question: how to connect Sberbank acquiring and tariffs for individual entrepreneurs.
Payment by bank cards is not easy and convenient, it is profitable and modern Importance in life modern man service by non-cash payment in retail outlets can be compared with a mobile phone no less familiar to everyone, without which anyone can no longer imagine their existence.
What is acquiring
In a broader sense, this concept means banking service, the essence of which is to provide organizations with the opportunity for their customers to make payments using payment cards. The list of services includes informative, settlement service and providing equipment that allows cashless payments. Thanks to this service, individuals get the opportunity to pay with cards for any purchase in any store and on the Internet, without resorting to the use of 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 merchant: 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 the purchase, the terminal reads the details from the card and debits the purchase amount from it, which is transferred to the account of the trade organization. POS-terminals are the property of the bank and are provided to legal entities after the conclusion of a service agreement. For equipment rental, a legal entity pays a banking institution a commission, the amount of which depends on the volume of cash flow.
Internet acquiring is becoming more and more popular today due to the fact that Russians have begun to shop more and more in online stores and on websites.
The convenience is that there is no need to install special equipment: the acquirer connects the client to a special program. The software becomes available after the legal entity submits an application and concludes an agreement. Buyers thus pay not only for goods, but also for various services - utility bills, fines, etc. However, they do not pay any commission. 
Today, payments using payment cards are designed not only for large retail chains, but also focused on medium and small businesses.
Mobile is just starting to gain popularity. This option uses mobile mini-terminals that are not tied to a specific place, as is the case at the checkout in a store. For example, it is used when delivering goods to the house by courier, when the buyer pays for the goods with a card. Such a service is suitable for those companies that are allowed to accept payments without a cash register or those who work on UTII.
Commission and tariffs
The size of the commission, first of all, depends on the type of service. Sberbank merchant acquiring has the lowest rates. It includes the cost of rent for the equipment provided and the commission for non-cash payments. The acquiring bank charges interest only from the legal entity; for the cardholder, this service is free. Thus, the bank motivates buyers not to withdraw cash from an ATM, but to make purchases using plastic.
The most expensive today is the mobile version. For the use of mini-terminals, you must pay 2.5-3% of the payment. But such high interest pay off with the security of payments and ease of settlement for customers, which allows companies to expand their customer base.
In Sberbank, Internet acquiring provides for 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, the ability to pay with a card at a point of sale has been the responsibility of every business owner Merchant acquiring Sberbank: tariffs and conditions
For this service banking organization set 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:
- the presence of a current account in the acquiring bank;
- installation of POS-terminals.
For owners trade organizations it is important to decide on the choice of payment instruments, because the amount of rent for equipment depends on it. The commission for one transaction is on average 1.7-3%. For network trading with a large volume, it can be reduced to 0.5%. The rule applies here: 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: merchant and Internet acquiring Tariffs for IP
In the bank, the prices for the service for individual entrepreneurs differ in cost. They are influenced by the following factors:
- the turnover of the outlet - the larger it is, the lower the commission;
- type of cards accepted for payment - for Maestro Visa Electron, the commission fee is lower than when servicing other payment plastics.
Security and convenience of payments
Cashless is the future. Buyers have long appreciated all the benefits of shopping of this kind. It is safe and convenient: there is no need to carry cash with you, incurring the risk of being robbed. In addition, errors occur less often when paying at the checkout, the service itself occurs instantly, which saves time for the buyer. There is no risk of receiving upon delivery counterfeit banknotes. The buyer does not need to look for the nearest ATM to withdraw money for purchases.
The use of cash is 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, the owners of shops, restaurants, cafes and other establishments install special devices that involve making 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 will not do without the latest devices. One of these is a device that excludes cash payments. Many aspiring entrepreneurs begin to look for information on the name of the machine for paying with bank cards. Such a device is called a POS terminal. The English letters stand for "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 doing business can be deciphered as a complex mechanism of a software and hardware type for making settlements with customers who want to make a purchase using 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 controlling the entered information;
- System block - provides for operations related to settlements;
- Customer display - displays purchase indicators, cost, volume;
- Keyboard - necessary for entering product information;
- Card reader - designed to process data from the card;
- Pin-pad - a separate element configured to enter the card code;
- Printing mechanism - provides the output of checks;
- Fiscal part - adapted to save cash, can be mechanical or automatic;
- Barcode scanner - carrying out operations of scanning the product code;
- Software.
Accounting for completed transactions
The terminal for payment by bank cards is comparable to cash registers. But he does not take into account the completed transactions. Such a device can store product data - price, description, expiration date, etc. Large terminals are equipped 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 a separate device for cashless payments. This device is compact and easy to move. The terminal of this type is divided into the following components:
- Small display;
- Reading element;
- Keyboard for entering certain indicators (pin-code of the card, service settings);
- CPU;
- RAM;
- Modem based on GPRS connection for data exchange;
- Device for printing checks;
- Power supply or battery;
- Port for connecting to cash registers.
A card payment terminal must have all quality certificates to serve customers who want to make payments through international payment systems. And also it is necessary to add the device to a special list of tax authorities.
Scheme of work
The card payment terminal involves several functional steps. The buyer sees only the external scheme of work: inserting a card, reading data, entering a card code, approving a payment, printing a receipt. In fact, making a payment with a card is a complex process based on a transaction. The terminal is only separate element in the process of making a cashless payment.
The device for payment by bank cards implies the stages of work:
- Voicing by the client of the desire to pay by card;
- With a high cost of products, a store employee has the right to demand a document proving the identity of the client;
- Entering data on the price of purchases by the cashier;
- With regard to the installed equipment, card data is being read;
- Data that is read from the client's card and the result of the purchase is reported to the special processing department of the acquiring bank (the bank that works with this device and transfers the funds received to the seller's account);
- Information from the processing department goes to the information analysis department of the microprocessor system for authorization;
- If approved, the information is reported to the issuing bank servicing the client's card;
- After checking the legality of the card, the availability of funds in the account, the transaction is approved or denied;
- Data on a positive or negative outcome of the payment is reported to the data analysis department, then to the acquiring bank and to the terminal;
- Two checks are printed, where the purchase summary, authorization code dependence, and other data on the payment progress are written;
- At the end, the device sends a response to the processing center about the operation.
Operation responses
Terminal for cashless payments can give various answers on the display:
- Refusal - indicates a refusal to perform the operation. The reason may be the lack of the necessary amount of money on the client's account.
- Withdraw - informs about the blocking of the card 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 the client's payment operation is completed, the device is ready for the next settlement operation with another client.
The device for payments must be connected to the acquiring. This is a service that the bank provides to the owners of various establishments for cashless payments. If you want to install such a device in this store or cafe, the owner thinks about the question - how to connect a payment terminal plastic cards. To do this, the entrepreneur must conclude a service agreement with the bank. The provision of equipment is possible on the terms of a lease agreement or sale. The contract spells out all the conditions for providing the device. The amount for using the device can be in the range of 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.
Payment terminal for bank cards of a modular type consists of a system unit designed for wide operation. The keyboard, printer and other elements can be taken out separately. Such a device differs from a monoblock type by a lot of wires and cables connecting the equipment. Modular devices can be equipped with different elements according to the needs of the store. These devices have a big advantage of the location of individual modules at some distance from each other, facilitating the work of the cashier and increasing convenience for the client.
Cashless payment terminal in large shopping stores and network complexes are usually installed in a modular form. These stores have high customer traffic.
There is another type of such devices called dispersed-modular. They are completed in such a way that it is possible to place individual components at a great distance (about 5 m). these devices have found use in restaurants, fast food cafes and other establishments.
With regard to the type of acquiring process, devices are divided into the following categories:
- Trading;
- Internet acquiring;
- Mobile.
vending machines placed in places where there is a contact between the seller and the buyer. 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 a greater benefit from the purchase of the device when compared with the terms of the lease.
Installing a terminal for paying with bank cards of a merchant type involves the conclusion of an agreement for opening an account for settlements with an acquiring bank.
Devices that work through Internet acquiring, differ from trading types by the lack of personal interaction between the seller and the buyer. Calculations are carried out online. The client pays for services or products using a card on the network. It is only necessary to indicate the cardholder's data and the card number. Internet acquiring costs about 6,000 rubles when you connect the page for payments. The fee deducted to the bank for Internet acquiring services is 2.5-4% of total amount shopping.
Mobile terminal
Mobile terminals
mobile view is a mini-device in the form of a card reader that works by connecting to mobile phone or tablet. To operate the device, you need to download a certain application that implies access to the Internet. Mobile terminals for payment by cards are considered the most convenient devices due to their small size.
The operation of the device consists in its initial registration. After installing the application and passing through the registration stages, it is possible to control the completed operations and create template steps. The terminal for payment by bank cards through the phone involves the provision of check data to the buyer in in electronic format by sending to an Internet box or by SMS. Making a payment requires the buyer's signature on the screen of the device.
Mobile payment terminals are divided in turn into subcategories:
Equipped with Bluetooth, USB port, audio output;
There is a reading strip or a chip component;
Digital or analog type.
Few banks offer a service like a portable terminal for paying with bank cards.
Additional disadvantages of this type of device are:
- Low safety performance;
- duration of operations;
- Customer distrust.
Mobile POS terminals can be purchased at a price of about 1600 rubles. This unit cannot be rented. Commission deductions for using the services of mobile devices are 2.5-3.0% of the amount of purchases.
Acquiring banks working with terminals
Buy mobile terminal to pay by credit card or other types of similar devices, you can use the following banks:
- Sberbank;
- Alfa Bank;
- Privatbank;
- Promsvyazbank.
Sberbank is a popular bank providing services in the field of equipping stores with cashless payment devices. The Sberbank terminal for individual entrepreneurs involves submitting an application to a bank branch with the provision of the necessary documents.
An acquiring terminal is a simple device with a difficult choice. Improvement of communication systems, development contactless cards, implementation leads to the need to constantly review the optimal characteristics of devices for card payment. The choice of a POS-terminal also influences the format of trade, the size of the store and other features of business activities. Therefore, it is important to understand the principles of operation of this equipment before buying.
The essence of the terminal for acquiring
An acquiring terminal is equipment designed to process a buyer's bank cards. It is an important link in the process of transferring money for goods from the client to the seller's account. Information from payment cards can be taken from a magnetic strip, an embedded chip in a contact or non-contact way.
The main stages of acquiring can be represented as follows:
- Reading card data from a magnetic strip or built-in chip.
- Processing of encrypted information between the terminal and the acquiring bank in order to confirm the sufficiency Money and payment options.
- Entering a PIN code (if necessary), checking it.
- Write-off of funds from the buyer's account in favor of the seller.
- Printing checks for the buyer and seller.
- Calculation completed.
Law 112-FZ provides for the mandatory installation of a POS-terminal for enterprises with a total retail trade turnover of more than 40 million rubles, or 5 million rubles per store.
Despite the unified algorithm of work, acquiring terminals differ greatly in capabilities and equipment. Therefore, the characteristics of this equipment should be considered in detail.
Types of acquiring terminals
There are many classifications of terminals for acquiring, and all of them should be taken into account when purchasing POS equipment. It is impossible to hurry with the acquisition of this device, since it effective work depends on other primary factors. Next, the most important types of acquiring terminals will be considered.
By way of use
Character trading activities is of fundamental importance when choosing a POS terminal. Depending on this factor, there are:
- Stationary terminals.
- Mobile terminals.
Stationary models are designed to work indoors. They are connected to the mains and wired Internet, and therefore are not intended for frequent movement around the outlet. The devices have their own display to interact with the seller and the buyer.
Stationary POS-terminal is able to connect to the online cash register via EKAM-BOX
Mobile terminals are equipped with a battery and a module mobile communications to exchange information with the bank. Old models only supported data transfer via GPRS, but now there are devices that can work with the 3G standard. Mobile acquiring terminals are popular among couriers, when trading, etc.
By type of communication channel
When choosing a POS terminal, you should consider how the outlet is connected to the Internet. Card readers can support the following communication channels:
- GPRS;
- Ethernet;
- combined;
- without their own communication channels.
When carrying out trading activities without reference to a specific place, you will need a terminal with a mobile GPRS or 3G communication module. The second option is preferable because it has a higher data transfer rate and is able to work simultaneously with GPRS.
With wired internet, you only need an Ethernet connector. But he will tie the equipment to the room. There are devices that support both wired and wireless networking at the same time, but they are much more expensive.
To use GPRS or 3G, it will be necessary to replenish it monthly. but you should not worry - telecom operators have special low-cost tariffs for such customers.
By device for entering a PIN code
Depending on the frequency of use of the acquiring terminal, you can choose two options for these devices:
- with separate ;
- without PIN pad.
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Privacy agreement
and processing of personal data
1. General Provisions
1.1. This agreement on confidentiality and processing of personal data (hereinafter referred to as the Agreement) is accepted freely and by its own will, applies to all information that Insales Rus LLC and / or its affiliates, including all persons belonging to the same group with LLC "Insales Rus" (including "EKAM Service" LLC) can obtain about the User during the use of any of the sites, services, services, computer programs, products or services of "Insales Rus" LLC (hereinafter referred to as the "Services") and in during the execution of Insales Rus LLC of any agreements and contracts with the User. The User's consent to the Agreement, expressed by him in the framework of relations with one of the listed persons, applies to all other listed persons.
1.2. The use of the Services means the User's consent to this Agreement and the conditions specified therein; in case of disagreement with these conditions, the User must refrain from using the Services.
"Insales"- Society with limited liability"Insales Rus", PSRN 1117746506514, TIN 7714843760, KPP 771401001, registered at the address: 125319, Moscow, Akademika Ilyushin St., 4, building 1, office 11 (hereinafter referred to as "Insales"), on the one hand , And
"User" -
or individual who has legal capacity and is recognized as a participant in civil legal relations in accordance with the legislation of the Russian Federation;
or entity, registered in accordance with the laws of the state of which such person is a resident;
or individual entrepreneur, registered in accordance with the laws of the state of which such person is a resident;
which has accepted the terms of this Agreement.
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(a) if the information provided has become publicly available without violating the obligations of one of the Parties;
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3.1. The Party that has violated the obligations under the Agreement regarding the protection of confidential information transmitted under the Agreement is obliged to compensate, at the request of the affected Party, the real damage caused by such a violation of the terms of the Agreement in accordance with current legislation Russian Federation.
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4.Other provisions
4.1. All notices, requests, demands and other correspondence under this Agreement, including those including confidential information, must be made in writing and delivered personally or through a courier, or sent by e-mail to the addresses specified in the license agreement for computer programs dated 12/01/2016, the agreement of accession to the license agreement for computer programs and in this Agreement or other addresses that may be further specified in writing by the Party.
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4.3. The law of the Russian Federation shall apply to this Agreement and the relationship between the User and Insales arising in connection with the application of the Agreement.
4.3. The User has the right to send all suggestions or questions regarding this Agreement to the Insales User Support Service or to the postal address: 107078, Moscow, st. Novoryazanskaya, 18, pp. 11-12 BC "Stendhal" LLC "Insales Rus".
Publication date: 01.12.2016
Full name in Russian:
Limited Liability Company "Insales Rus"
Abbreviated name in Russian:
Insales Rus LLC
Name in English:
InSales Rus Limited Liability Company (InSales Rus LLC)
Legal address:
125319, Moscow, st. Academician Ilyushin, 4, building 1, office 11
Mailing address:
107078, Moscow, st. Novoryazanskaya, 18, building 11-12, BC "Stendhal"
TIN: 7714843760 KPP: 771401001
Bank details:
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A terminal is a device that reads bank cards. When the buyer pays, the terminal sends the information to the bank via the Internet. The bank writes off the purchase amount, and the machine prints a check.
The device is used at will by those individual entrepreneurs who want to accept payment by bank transfer. If the company's turnover is above 60 million rubles a year, it installs the device according to the law.
Installation of a terminal for payment by bank cards for individual entrepreneurs
To start working with the device, the IP opens a current account. This is an account for a business from which an entrepreneur pays taxes, transfers salaries, and settles accounts with partners. The service of accepting bank cards - acquiring - is connected to the current account.
There are different terminals for paying with a card for individual entrepreneurs:
- stationary device - installed at the checkout, powered by a network, connected to the Internet by cable or Wi-Fi;
- mobile device - is located at the courier, runs on battery power, connects to the Internet via Wi-Fi or a SIM card.
If the company accepts payments in a taxi or from a buyer at home, a terminal on a SIM card for individual entrepreneurs will be required. In other cases, it is better to buy a stationary device - it has more functions. For example, integration with an online cash register and receipt printing.
Why you need to install a terminal for payment by bank cards
If an entrepreneur has his own apparatus, it is easier for him to work:
- fewer queues, because the cashier does not waste time on change;
- more customers - some do not pay in cash;
- collection costs are lower;
- reduces the risk of receiving counterfeit money.
To install the device, you need to conclude an agreement with the bank. In some banks, the application can be left directly on the site. The entrepreneur specifies in the application:
- Company name,
- type of internet connection
- company turnover.
If the company has no turnover yet, you need to indicate the approximate turnover. The higher it is, the lower the commission for acquiring - at least 0.5% of the purchase amount.