Action plan for setting up the terminal from Sberbank. Merchant acquiring: comparison of bank tariffs and how to connect Where to connect your merchant acquiring terminal

The development of monetary relations has become a prerequisite for the emergence of bank cards. They were intended to simplify the procedure for cashing out funds. Acquiring appeared with the development of technological progress. This banking service has turned the card into a tool for everyday use.

Background

"Acquiring" (translated from English. "Acquisition") is a system for accepting cards to pay for services. In terms of importance, it can be compared with the appearance of mobile phones. Initially, acquiring was primitive. Cashiers used an "imprinter" through which a "cast" with details was taken from the card. The device did not communicate with the bank, and the cashier had to call the financial institution to confirm the availability of funds in the customer's account. The modern electronic terminal appeared much later.

The essence

To take full advantage of the service, you need to conclude an agreement with the acquiring bank and connect the terminal at the point of sale. An acquiring bank is a credit organization that makes settlements with enterprises for operations using cards, and / or issues funds to cardholders who are not registered. At the same time, an organization can simultaneously issue cards, issue acquiring terminals.

Acquiring types:

1. Shopping - presented in restaurants, shops, hotels, etc.
2. Internet - buying goods on the World Wide Web.
3. ATMs are terminals and ATMs where you can withdraw cash from your account.

The terminal provides transfer of payments to the company's account via the Internet or a telephone line. It is not necessary to buy it yourself. Firstly, each bank has its own model range of devices, and secondly, no credit institution will undertake to provide technical support for a “foreign” device. To carry out transactions, you need not only acquiring terminals, but also a cash register connected to the payment system.

Merchant acquiring

The very process of paying for the goods through the eyes of the buyer can be described as follows:

• the client hands over the plastic to the cashier;
• the cashier conducts the operation through the acquiring terminal with pre-authorization and asks the client to enter the PIN;
• a connection is established, that is, the amount required to pay the check is debited from the holder's account.

At the same time, an enterprise that uses a payment terminal must:

• place devices on the territory of their premises;
• accept cards to pay for services;
• pay the bank a service fee.

The bank, in turn, is obliged to:

• provide equipment;
• train company employees to work with terminals;
• check the balance on the account at the time of the operation;
• reimburse the organization for the amount paid;
• submit expense documents;
• provide full technical support.

Internet acquiring

This scheme is similar to the previous one, but it lacks direct contact between the seller and the buyer. The whole process is carried out through web interfaces. The client selects a product on the seller's website and clicks on the "Buy" button. Next, a special form opens, in which you need to enter the details of the payment card. This is the so-called processing company. To confirm the purchase, many banks ask for one-time passwords, which come in the form of an SMS message to the cardholder. Confirming the payment, the client sends a request to the bank to transfer a certain amount of funds to the account of the online store.

Mobile acquiring

Not so long ago, mPOS terminals appeared on the market through which mobile acquiring is carried out. They are a card reader connected to a smartphone. An application is installed on the device, with the help of which the acquiring terminal is controlled and work with payment systems. Such devices have a number of advantages over traditional devices:

• they are mobile;
• have round-the-clock access to the account;
• mobile acquiring terminals are cheaper than conventional ones;
• cashless payments with their help are safe, etc.

Mobile terminals are also convenient because they allow you to pay for a taxi driver in the car and for pizza delivery at home.

Sequence of operations

The payment operation through terminals looks like this:

1. The cashier passes the card through the terminal.
2. The information about the payer is sent to the processing center.
3. The system checks the account balance.
4. If there is a sufficient amount, funds are transferred between accounts.
5. The terminal issues 2 copies of the receipt. One remains with the cashier, and the second is handed over to the buyer.
6. The acquirer transfers the funds to the seller minus the commission.

Acquiring in Russia

In the Russian Federation, this system is still at the stage of development. The total number of cards issued in the country has exceeded the population. Although in the USA and European countries it is 2-4 times higher.

Against the background of the growing financial culture among the population, the card is perceived as a convenient means of payment and access to resources, but acquiring in the Russian Federation is proceeding more slowly than planned. 15 years ago, the ratio of cash and non-cash payments was 97% and 3%. Today the numbers look different: 85% and 15%. However, 70% of transactions relate to withdrawals from the account.

You can purchase and connect a payment terminal through any bank in the country. You need to focus only on the reputation and experience of the credit institution. For example, BINBANK PJSC provides its clients with the BIN-Go service. Choosing one of four terminals, the client receives an acquiring service with the ability to accept cards from four payment systems. Mandatory conditions - payment of a commission at the level of 1.8% and crediting funds to the client's account within two days. You can use the service as early as seven days after submitting the application.

The acquiring terminal of Sberbank is provided on other terms. The size of the commission depends on the monthly volume of revenue that passes through the cards and can range from 0.5% to 2.2%. For the service of acquiring terminals, you need to pay 2 thousand rubles a month.

Connection of an acquiring terminal: 1C "Retail"

For settlements in 1C, the document "Acquiring operation" is used. First, you need to activate this function in the "Administration" tab, the "Finance" item, by checking the "Card payments" checkbox. You can create an "Acquiring operation" in the "Finance" tab or on the basis of "Sales of goods", "Customer order".

In the window that opens, some of the details are pulled from the main document. For example, "Counterparty", "Amount" and "Item Name". Additionally, you need to indicate "Terminal", "View", "Card number". Information is pulled from the "Acquiring Agreement" on the "Finance" tab. If this document is missing, then it must be created by specifying in the form:

• name of the acquirer (with the type of contract "Other relations");
• the acquirer's counterparty;
• check;
• Card number.

Additionally, you will have to create the acquiring terminal itself in the program.

After filling in the data, you need to return to the original document and conduct an "Acquiring operation".

Bank report

After receiving the account statement in the program, you need to post the document "Bank Acquiring Report". It is created in the item of the same name on the "Finance" tab. The first step is to indicate a specific agreement with the bank. Then by "Selection" pull up "Receipt of payments". In the payment window that opens, select a specific acquiring operation and click on the "Transfer to document" button. All information will be displayed in the tabular section of the report.

Information about the bank's services is filled in on the "Acquiring Commission" tab: cost item, analytical accounts, amount. The final stage is the creation of a "Current account statement" based on the "Report". With this document in 1C, the proceeds from the sale minus the commission are credited to the cash account.

UT 11

The acquiring terminal in this version of the 1C program is connected differently. In particular:

• the agreement with the bank lists all payment systems for which the agreement is valid;
• for transactions with impersonal clients, the document "KMM Checks" is used;
• at the end of the day, the "Closing the shift" is carried out, and the "Sales report" is automatically generated.

In the "Check" on the first tab, information about the product is indicated, on the second - about the payment card, on the third - the data of the check and the full name of the cashier.

Memo for using the machine

When making a payment through the terminal, a number of problems may arise: network failure, cancellation of the operation, insufficient funds on the account. Let's take a closer look at how to use the device correctly and cancel operations.

In case of successful completion of the operation, the terminal prints out a receipt, in which it indicates: card number, authorization and transaction code, payment amount and slip. The latter is a text with parameters. If the payment confirmation information has not been received, you should abort the transaction using the "Cancel operation" command.

When a shift is closed, a "Reconciliation of totals" is carried out at the terminal. At the same time, a report is generated on the transactions carried out for the change in their monetary terms.

"Cancellation of payment" can be carried out during the shift and before the withdrawal of the totals. In this case, the operation number (RRN) and the check number are transmitted to the terminal. After that, the paid amount is returned to the buyer's account. If the report has already been removed, then you need to execute the "Refund" command, specifying the amount, card number, operation and check. In the first case, the funds will immediately go to the buyer's account, and in the second, after confirmation

Advantages

Today, many organizations use acquiring terminals to process payments. This technology is convenient to use, eliminates the risk of receiving counterfeit money, and saves money on collection. Not to mention the fact that participants in such programs receive special banking products in the form of preferential programs, discounts on services and free staff training. In turn, the client pays for purchases in a convenient way.

Traditionally, cards are preferred by wealthier segments of the population. According to statistics, payment through the terminal leads to an increase in sales by 20-30%. The owners of "plastic wallets" part with their money faster. The average amount of a check paid through the terminal is 30% more than the usual one. The presence of additional makes the company more reliable and attractive in the eyes of the client. Acquiring also increases the number of potential buyers.

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 bank offers for you with the most favorable conditions for 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 are handing out a plastic card to pay for services. In this regard, the number of companies that implement merchant acquiring is increasing every day. Not only big players in the market, but even private entrepreneurs understand that we are talking about the struggle for customers!

There are 3 types of acquiring:

• merchant acquiring

The latter will be discussed in today's article.

Merchant acquiring – 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 get this service in this article.

In addition to the general definition of cashless payment, merchant acquiring has another side. In fact, this type of service implies the provision of special equipment by a banking organization, as well as settlement, technological and informative services. The service can be used by any company that accepts payments by bank cards from any of the well-known payment systems.

The subjects of this process are:

• customer;
• salesman;
• acquiring bank;
• payment systems.

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

In general, the task of the processing company is the installation and registration of acquiring equipment, as well as the processing and storage of 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 get:

• Improving the competitiveness of your organization.
• Increase in money turnover due to the attraction of bank card holders.
• Consumers will be able to float large sums as they are not limited by cash.
• The risk of receiving counterfeit banknotes is reduced.
• The speed of carrying out trade and settlement operations increases.
• Holders of bank cards are more likely to decide on large and unplanned purchases.
• Reducing the cost of 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 mistake - all this fades into the background.

Tariffs and conditions of banks for merchant acquiring

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

Important! To work with merchant acquiring, you first need to (this article provides the best conditions for banks to open a current account and we will now consider some banks on merchant acquiring).

Russian Standard Bank

Transaction fee - 2.5%.

Connection cost, 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! There is an opportunity to purchase it on credit at a rate of 16% of the terminal cost. Delivery within 5-7 working days after payment. All equipment settings for your business are made by the bank's representatives. You just have to turn on the terminal and start accepting payments.

• Transaction Fee - Fixed - 1.9%.
• Equipment cost - 24,500 rubles. (ICT 250 CTLS / GPRS wired), 30,000 rubles. (IWL 250 GPRS wireless), 33,000 rubles. (IWL 250 Wi-Fi portable). Ingenico equipment.

You can find more detailed information about merchant acquiring in Modulbank at bank website.

Bank Point

An excellent bank for entrepreneurs and ONLY for entrepreneurs!

To order the service, the client does not need to go anywhere, it is enough to enter the Internet bank and sign a previously prepared agreement there. You do not need to pay any additional fees and security deposit. You can receive money to your account the very next business day. The terminal does not need to be bought: it can be rented for a year, and then it will remain with the client.

• 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 model 520 (portable and stationary) and 675.

You can find more detailed information about merchant acquiring in the Point at bank website.

Raiffeisenbank

Transaction fee - from 1.9 - 2.2%

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

The cost of connection and registration of the terminal is from 490 rubles. up to 29,990 p. for the terminal.

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

Connect acquiring on official website of Raiffeisenbank.

Here is more detailed information about the tariffs for merchant 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 for 1 terminal 2.2%

- turnover from 150,001 rubles. per month for 1 terminal 1.6%

Terminal maintenance- from 0 to 1000 p. per month. (depending on the tariff)

Details on the official website of VTB.

Terminal price:

• Stationary POS terminal from 10,000 rubles. for 1 pc.
• Portable POS terminal from 16,000 rubles. for 1 pc.
• In the tariff "Small Business" POS-terminal from 2 600 rubles. for 1 pc.

Here is more detailed information about the tariffs for VTB 24 merchant acquiring:

Trade acquiring at Sberbank

This is the most mysterious bank of all. We called, wrote, asked and received no answers. The answer of the employees is always the same: “Come to the bank branch and the employee will calculate the conditions for you individually”. They do not even say the percentage of the commission FROM and TO.

But we dug on the Internet for a long time and from other sources we managed to find out approximate tariffs for trade acquiring of Sberbank.

Details on the official website of Sberbank.

Necessarily:

• A current account with Sberbank.
• Installing a terminal for remote customer service.

Transaction Fee- depends on the turnover.

• If over 1,000,000 rubles, then 1.8%;
• up to 1,000,000 rubles. 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 turnovers, there were cases of an increase in the percentage to 3.4% and even to 4%. Moreover. If you do not agree with the increase in the percentage, then they will quickly come to you and pick up the terminal.

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

At the same time, Sberbank is the leader in trade acquiring.

Alfa Bank

We contacted the employees of Alfa Bank and received a reply that they no longer deal with land-based acquiring. Customers are offered a UCS partner. At the moment, it is Alfa Bank that provides only Internet acquiring.

How is payment made in merchant acquiring?

In general, the whole procedure takes no more than 60 seconds. The process of paying for goods or services and transferring funds to the settlement account of an entrepreneur takes place in several stages.

Details on the official website of Alfa-Bank.

1. Presenting a card to the seller for payment of goods or services;
2. Sending a request by the seller and obtaining permission to perform an operation from the processing center (or the processing center of the bank);
3. The processing center contacts the bank that issued the card;
4. The cardholder (buyer) is authorized by entering the PIN-code;
5. The amount of money is debited from the cardholder's account;
6. The cardholder (buyer) receives a check (slip) about the transaction.

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

• funds are credited to the account of the seller who used the imprinter on the third day after the performed operation. And those who use a POS terminal, 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 check.

Rights and obligations of the parties

When installing equipment in retail outlets, a 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 being installed, as well as the initial testing of the equipment.
• Information support and assistance in training employees, customer service and work with equipment.
• Transfer of funds to the client's account within the specified time frame specified in the agreement.
• Checking the solvency of bank cards.
• Providing technical support 24 hours a day.
• Provision of consumables (slips, receipts, etc.)

As for trade organizations, they have the right to demand high-quality performance of services, as well as responsibilities. In this case, trading companies must comply with a number of conditions.

• Prepare a place for the installation of specialized terminals.
• Pay a set 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 a product or service. not from the consumer, but from the seller ... Other features of the provision of services and obligations are prescribed in the contract.

How to connect the merchant acquiring service for individual entrepreneurs and LLC

You have already understood the whole mechanism of action of the provided service. Now you need to determine the sequence of actions when connecting an acquiring. From the application to the final result, there are only 6 stages, which we will consider further.

1. Choosing in favor of the bank

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

1. Service request

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

1. The documents

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

In general, you will need to conclude 2 contracts:

• acquiring agreement- for service in the processing center and conditions;
• equipment lease 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);
• The passport of the head of the enterprise;
• Certificate of state registration as an individual entrepreneur or legal organization;
• Certificate from the tax authorities about the absence of arrears;
• Certificate of opening a current account;
• * Certificate of registration with the tax office (at the request of the bank);
• Other documents (at the request of the Bank).

1. Signing a contract

The next step is drawing up and concluding a contract with a service provider. This document is intended to regulate various disputes that may arise between the parties during cooperation. The contract stipulates all the rights and obligations of the parties.

1. Equipment

You will be offered to rent equipment that will allow you to carry out non-cash 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, a beauty salon and other organizations where customers themselves come to the place of payment.

1. Installing and starting the system

You will need to agree in advance on the time at which the equipment will be installed. A specialist will arrive at your facility and perform the installation. After that, a test start of the system will be carried out before the start of maintenance. You also need to apply with a request to conduct training for your employees.

The emergence of difficulties cannot be ruled out, but despite this, merchant acquiring can be an excellent tool for increasing profits! Connection of the service helps to strengthen the company's position in the trade and services market. In addition, this is a high indicator of reliability, since the company closely cooperates with one of the banking organizations.

1. Requirements for the installation site of the terminal

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

• Place for equipment installation on a horizontal surface, approximately 30 x 40 cm.
• The presence of an outlet.
• Availability of Wi-Fi, dedicated telephone line or patch court (cable).
• Availability of a SIM card and cell phone.

What is merchant acquiring? How to activate this service? What are the best rates for small businesses?

Hello dear readers of our blog! Eduard, an economist and a regular contributor to the site's articles, is in touch.

Today we will talk about such a service as merchant acquiring. This method of mutual settlements between buyers and sellers is becoming more and more popular. I will tell you how to connect and launch this service.

I had to deal with acquiring in practice, when I worked in the technical department of one of the banks, so I am aware of all the nuances and features of the procedure.

Read the article to the end - in the end, you will find tips on how to increase the profits of your company with the help of acquiring.

1. Merchant acquiring - what is it and how it works

Merchant acquiring is a service that allows you to pay for goods and services using a bank card. To write off funds from a card account, special terminals or cash registers are used.

In addition to shopping, there are other types of acquiring services. You can read about what types of it exist in one of our articles.

This equipment is installed at the point of sale and is provided by your service provider for rent.

Merchant acquiring is an opportunity to pay for a purchase without using cash.

Having figured out what a merchant acquiring is, you can get a little closer to the mechanism of such a transaction. Among the participants in this operation should be noted the seller, the buyer, the acquiring bank and payment systems.

We sell new and used POS terminals for acquiring with a guarantee. All over Russia and the CIS. https://mirbeznala.ru/collection/kategoriya-1

We also connect acquiring at a rate of 1.6% of each transaction if they purchase a terminal from us. And at a rate of 2.2% if the terminal is free from us.

In some cases, processing companies are added to this list, acting as an intermediary between the consumer of services and the bank.

Many large financial institutions today offer this service on their own behalf. However, it is the payment systems that actually accept and process payments. In addition, many banks outsource this service.

The whole operation of accepting a payment using a bank card takes no more than 1-2 minutes.

The payment mechanism consists of the following steps:

1. The buyer presents the card to pay for the purchase.
2. The cashier asks the processing center for permission to perform the transaction.
3. Authorization is performed in the system by entering a PIN code.
4. The processing center contacts the bank and obtains permission to carry out the operation.
5. The required amount of money is debited from the account.
6. The buyer is provided with a receipt for the successful operation.

The entire process described in practice takes a few seconds.

Acquiring is payment for goods / services with bank cards. The acquiring bank (an agreement is concluded with it) installs an acquiring terminal at the seller for carrying out payment transactions. This payment method is becoming more and more popular as the number of plastic card holders is growing.

What is needed to integrate an acquiring system into 1C

Acquiring equipment exchanges data with external software and hardware, consisting of a pinpad and bank processing. Competent setting implies an understanding of the principle of their interaction. The use of technology with a USB connection is widely used. The diagram looks like this:

• device driver;
• acquiring equipment driver;
• service processing;
• 1C for accounting of goods.

Until the drivers are installed in the OS, there is no connection with the terminal, and information processing does not take place.

Connection

We connect the device for payment by bank cards (pinpad) via a USB interface.

1. Launch 1C and open the "Trade Management" section. Path to it: menu "Service - Assistant for connecting and configuring commercial equipment - Commercial equipment - Next". We find the "Acquiring System". The system of the required bank will open in the window. Sometimes it is not visible, then the download is performed manually - from a file provided by a bank technician. If you have done everything correctly, the "Acquiring system settings" will appear. We confirm the actions with the "OK" button. Now you need to check the functioning. Click "Pay by card", enter the amount and click on "Payment". The system must request a bank card.
2. Making the transition to 1C: Retail. Here, setup is done in the same way, along with the connection and setup wizard. Add a new service processing, specifying its location. Click on "Get List". You will see Inpas Dual Connector - "Acquiring System". We stop the selection on it and go to "Next". We confirm the addition of new devices and enter the data in the fields. We finish everything by clicking "OK". In 1C, a new agreement should be added in the "Finance - Acquiring Agreements" tab. Enter Visa, MasterCard in the field “Types of accepted cards”.
3. We set up the reflection of transactions and reporting in the "Acquiring operation" and "Finance - Banks' reports on acquiring".