Making payment through the terminal. What is acquiring? Installation of terminals at retail outlets

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Acquiring is the acceptance of cards to pay for goods. To provide the service, the bank installs terminals in retail chains. Recently, in addition to standard devices, portable mobile terminals have gained popularity, allowing payments to be made without reference to the location of the office. Which device is better to choose and how to activate the service, read on.

The essence

To use the service, you need to enter into an acquiring agreement. It will specify the terms of service, the amount of the commission, the period for refunding funds, etc. Installation and connection of equipment, personnel training is carried out free of charge. Some banks offer to rent a terminal. This service allows a retail outlet to increase the number of customers, the turnover of funds, reduce the risks of cash payments and collection costs (at high turnover). According to statistics, the use of terminals allows banks to attract 20-30% of clients.

Prerequisites

Accepting cards for payment of services in Russia has become mandatory for shops and retail enterprises. Not long ago, a law was passed according to which organizations that do not accept plastic will be fined 30-50 thousand rubles from 2015. Payment by acquiring attracts more visitors (especially tourists).

The higher the check amount, the higher the likelihood that the client will not have enough cash to pay. In the restaurant and retail segment, the share of acquiring is growing. In 2015 alone, the number of transactions through plastic cards increased by 18%.

Who is acquiring provided to?

Alfa-Bank and other credit institutions serve both new and existing clients. Having an account is not an important condition. It’s just that new clients will have to submit more documents to conclude an agreement.

Card selection

The minimum set includes cards. If the retail network is aimed at government agencies, you should also connect Maestro, MasterCard Electronic. But banks issue Diners Club, American Express, as well as Gold and Platinum cards only to very wealthy clients.

Refund period is 1-3 days. If the organization has an account with the acquirer, then the total amount of transactions minus the commission is credited the next day. If the main service takes place in another organization, then it takes another three days. Some financial institutions wait for full reimbursement from the systems and then carry out the transfer. Then the deadlines extend to three to five days. If you are unable or unwilling to wait, you can order urgent payment processing for an additional fee.

Commission

The reward is determined as a percentage of the purchase amount. The size is set for each network separately and depends on the following factors: field of activity, average monthly turnover, period of operation on the market, type of connection, etc. The acquiring commission also depends on the intermediaries. From the received reward, a certain percentage (most often 1.1%) is transferred to the payment system, and another part - to the issuing bank. Due to high competition for acquiring, bank tariffs on average range from 1.5-4% of the transaction amount.

The more transactions, the lower the service fee. For customers with low turnover, a subscription fee for using the device may be provided. The method of transmitting information (Internet or wired) also matters.

Technologies

How to set up acquiring? Alfa-Bank or another credit institution, after signing an agreement with the client, provides the company with special equipment and programs. Today, POS terminals (Point Of Sale - “point of sales”) are used. This device reads information from the card and communicates with the bank. Terminals can be conventional or wireless. The latter are more suitable for waiters or couriers. The devices read magnetic tapes and chips.

Information can be transmitted to the bank through:

dial-up - costs less, but connection takes several minutes;
GSM, GPRS - internet required;
Ethernet, Wi-Fi - instant response.

Along with the delivery of equipment, banks conduct staff training, telling employees how to use the device and cancel payments. Brief instructions on how to set up the device if necessary are also provided. This is how acquiring works.

Bank tariffs

There may be a fee for connecting and setting up third-party equipment. The advantage of using bank terminals is that if they break down, replacement or flashing is carried out free of charge. This must be taken into account before completing acquiring. Bank tariffs provide for “thresholds” for card transactions. For example, if the amount of transactions per month is less than 50 thousand rubles, an additional commission may be provided in the form of a fine or account maintenance fee.

Activating the service is easy. But before signing an acquiring agreement, you need to carefully study the banks’ offers. When choosing an institution, you need to pay attention to what cards it services, the size of the commission, the terms for transferring funds and other conditions.

Let's look at what tariffs Sberbank provides for acquiring. Depending on the volume of revenue received from cards, the commission can vary in the range of 0.5-2.2% of the amount. In standard tariffs, the cost of equipment is 1.7-2.2 thousand rubles. per month. After filling out the application, the software can be downloaded from the website. Sberbank also offers its clients the opportunity to connect to Internet acquiring on individual terms. There are several ready-made solutions available for implementing content management systems.

Online payments

Internet acquiring is the acceptance of bank cards for payment via the Internet. To provide services, credit institutions and processing centers use a special interface that allows cardholders to make payments on websites. The only difference between this service and the standard one is that the data is not read by a card reader, but is entered by the payer himself into a special form.

Mobile acquiring

Sberbank and other credit institutions in the country recently began using wireless mPOS terminals. In the West, Square, PayPal, and iZettle have long been used for these purposes. Analogues appeared in Russia: 2Can, LifePay. These devices are intended for individual entrepreneurs freed from cash register equipment. They read data from the card and transfer it to an application on a smartphone or tablet. The service requests the amount, processes the payment and sends the data to the bank.

To connect acquiring to VTB via an mPOS terminal, you need to provide a TIN, OGRN, director’s passport, account opening agreement, photo of the director and wait a couple of days. A specific bank is responsible for servicing each machine. 2Can's acquirers are Russian Standard and Otkritie. Prombusinessbank, together with Express-Volga and Gazenergobank, service LifePay. PrivatBank deals with iPay, Alfa-Bank deals with Pay-Me, and Svyaznoy deals with SumUp.

Mobile acquiring is more expensive. Bank rates average 2.5-5% per transaction. There is also a minimum and maximum threshold for the amount of payments and their number. When calculating the effectiveness of a service, you need to take into account the fact that acquiring contributes to customer growth by 20-30%. So the costs may be completely justified.

How to make a choice?

Acquiring is necessary for stores, sales offices and places with a payment point. A comprehensive solution has been developed especially for networks with a large number of cash registers - this is a program that integrates with cash registers. Delivery services that not only accept payment, but also issue a receipt, should connect a hybrid POS terminal. If the amount is small, then people pay the couriers in cash. Mobile acquiring is more suitable for insurance brokers who need to accept check payment at a higher than average level. The majority of users of mPOS terminals are individual entrepreneurs and companies whose activities are related to accepting payments in places unsuitable for this: online stores, taxi and freight transport services, entrepreneurs providing household, medical and other services at home.

We install terminals within the territory of Moscow and the Moscow region.

We work quickly and accurately

From the conclusion of the contract to the installation of the terminal, only 2 to 4 working days pass.

You call or write to us - our specialist provides detailed information on the conditions and terms for installing a payment terminal
If the location is suitable for installing a terminal, our specialist will come to you to accurately assess the proposed location and offer the appropriate rental level
A lease or sublease agreement for an area of 1 sq.m. is concluded.

The next day we deliver and install the terminal

A long time ago, of course, by the standards of the modern world, which is changing before our eyes. Because of their convenience, payment terminals have become so popular that when entering a store or other public place, a person automatically looks for a beautiful and neat rectangle.

The vast majority of owners of shopping centers, hypermarkets, shops, markets, bars, restaurants, shopping and entertainment centers, gas stations, pharmacies and other retail and service establishments install terminals. And those owners who still or no longer have them on their premises are trying to install a payment terminal, at least one.

Is it really really necessary?

The answer is very simple - all people use payment terminals. Therefore, for the convenience of visitors, customers (and staff too), all owners of various establishments install payment terminals in their premises.

What is needed to install the terminal?

A public establishment that is visited by a sufficient number of people. The desire to make your establishment more attractive to customers so that they come to you more often and bring their friends with them. Willingness to make your business more competitive and profitable. The desire to use every meter of your space as efficiently as possible.

Currently, running your own business is not so easy: it requires a lot of material costs. Therefore, enterprising businessmen find additional ways to increase profits.

Additional income

One type of source of income can be the installation of a payment terminal on the territory of your own or rented space in a public institution.

This could be a cafe, canteen, grocery store, shopping, entertainment or business center, university, train station, pharmacy or hospital.

The benefits are obvious! The popularity of payment terminals is increasing every day. Thanks to the user-friendly interface and fast operation of the payment system, it has become much more convenient to deposit funds for utilities and communication services, to pay fines and loans.

Rent out space for a terminal

Renting out space for a terminal is easy and quick. Contact our company, and the issue of installing a payment terminal will be resolved promptly. The owner or tenant of any suitable establishment can rent out space for a terminal and receive an additional source of income.

All that is needed to install the terminal is to allocate 1 square meter of space and a grounded socket (Euro socket or the possibility of its installation).

Additional visitors - additional income

The payment terminal, attracting additional visitors and buyers, serves as good advertising for your store. And what’s especially nice: you don’t pay us for advertising your store, but we pay you!

Trouble-free operation

It is very important that the terminal works smoothly. Our technical department will ensure perfect operation of the payment terminal around the clock.

Today, the presence of a payment terminal in retail outlets is not uncommon, but rather a necessity, because non-cash payments are becoming an increasingly popular way of paying for goods and services. Installing a payment terminal in a store is quite simple, and all the subtleties and features of this procedure are described in detail in this article.

Who should install payment terminals?

First of all, it is worth emphasizing that according to Federal Law No. 112, any trading enterprises must accept bank cards without fail.

However, only points whose revenue exceeds 60 million rubles annually fall under this requirement. Those stores that receive less income are not required to install terminals for card payments.

Trade enterprises that have the above revenue, but have not installed payment terminals, are required to pay fines. For officials, the fine amount will be from 15 to 30 thousand rubles, while organizations are required to pay from 30 to 50 thousand rubles (Federal Law No. 112).

It should also be noted that legal entities that use the Simplified Taxation System can also install payment terminals in stores, since the legislation does not impose any restrictions on this account.

How to install a payment terminal in a store?

In order to install a terminal for payment by card, you only need to select a bank and enter into an acquiring agreement. Under the terms of this agreement, the bank will open a special account for the company, to which amounts from the cards of the store’s customers will be transferred.

As a rule, the bank is responsible for providing the necessary equipment, training store employees and advising its client on all issues of interest. However, remember that these procedures are not free - each bank has its own pricing policy regarding such agreements and related services. That is why, before concluding an acquiring agreement, you should carefully read all the offers and choose the most profitable partner.

If a store rents a payment terminal under a concluded agreement, in accounting. In accounting, it must be taken into account in the balanced account 001. In this case, it is necessary to take into account the cost specified in the contract. That is why an individual or legal entity signing an agreement with a bank must ensure that the bank evaluates the value of its own property.

However, renting a payment terminal is not the only way to install it. You can also purchase the necessary equipment. In this case, the costs of purchasing the terminal should be reflected in account 08.

If a trade enterprise uses the Simplified Taxation System, the “income minus expenses” format, it can reduce the amount of income by the cost of the payment terminal. If the store applies the simplified tax system “income”, its owners will not be able to take into account the cost of the terminal and reduce the amount of tax.

In general, installing a payment terminal in a store is a fairly simple procedure. All the owner of a retail outlet needs to do is study the offers of banks, choose the appropriate option for himself and rent the necessary equipment, or purchase it, thereby freeing himself from paying rent.

The profitability of payment terminals is directly proportional to the flow of funds passing through the terminal. However, profitability varies widely. Following simple rules can significantly increase your profits.

Estimated revenue per terminal

Terminal location

The income of payment terminals largely depends on the correct choice of location for their installation. The prospects of certain options are assessed at the initial stages of implementation of such projects. At the same time, in order to understand how the owner benefits from payment terminals, not only the attendance of each specific place is taken into account, but also the financial well-being of its visitors. In these places, earnings will be maximum.

Where to start? From choosing a payment system
What's next? Finding a suitable location
The next step is choosing a terminal
Without registering a business - nowhere!
And in conclusion - the most pleasant thing: calculating future income

The situation in which there is an urgent need to use a payment terminal is familiar to everyone. As a rule, in such cases it is necessary to travel a long way to the nearest device. I would like it to be two steps. What does this indicate? Of course, the fact that a business on payment terminals can be an excellent way to make a profit, and what makes it especially attractive is the fact that successful business does not require significant investments and time costs.

And the essence of the business is simple (regardless of how many terminals the entrepreneur owns - one or a whole network of them): first, the device is installed - and then a percentage of the amount of each payment is received in favor of providers of mobile communication services, lending, Internet access, etc. Further.

Where to start? From choosing a payment system

The efficiency of the business largely depends on this factor: each payment system assumes a certain type of services that can be paid using the terminal, and the percentage that is allocated to the owner of the device. An ideal operator from an entrepreneur's point of view has the following characteristics:

works at the federal level,
regularly expands the range of accepted payments,
has agreements with leading providers of telecommunications and financial services,
provides the opportunity to connect payment for services of regional enterprises.

Important advice for entrepreneurs: do not waste your time, even on simple routine tasks that can be delegated. Transfer them to the freelancers “Ispolnyu.ru”. Guarantee of quality work on time or refund. Prices even for website development start from 500 rubles.

After the search is successful, you need to conclude an agreement (directly or through an intermediary) and gain access to your “personal account”, where you can monitor the current status of your balance and terminals online.

At the same time, the payment system will open a deposit for the entrepreneur, which needs regular replenishment in the amount of the average daily turnover of the terminal. When a payment transaction is carried out, the corresponding amount of funds is debited from the balance and transferred to the service provider's account.

What's next? Finding a suitable location

Contrary to popular belief that the market for payment terminals is oversaturated, there is a clear shortage of these devices in large cities (especially in residential areas). In general, the most beneficial for the owner will be two accommodation options:

on streets with high traffic (at least 1000 people per day) - economies of scale will work here, and many small payments will add up to good revenue;
in enterprises with a decent level of salary for employees - in this case there will be few clients, but each of them will transfer a significant amount using the terminal (for example, to pay off a loan).

One of the undoubted advantages of the payment terminal is its compactness: for its “comfortable” placement only one square meter is required. True, it is very important that in the territory where this meter was allocated, power grids and mobile networks work properly. It is highly desirable that the terminal be guarded, at least from a distance: in the pursuit of profit, an attacker is unlikely to be stopped by the vandal-proof housing of the device.

If the management of the shopping center where it was planned to install the terminal puts forward too strict requirements, then it is advisable to think about an alternative location for the device: gas stations, public transport stops, mini-markets - all these are quite worthy options in terms of profitability.

The next step is choosing a terminal

Each payment system offers a choice of several models of payment devices, already configured in accordance with the requirements of this system. Depending on the location of the terminal, you should choose its size and additional characteristics (mobile or built-in, indoor or outdoor).

How much does a payment terminal cost? Depending on the configuration - from 70 to 220 thousand rubles. There is no point in trying to save money on the device: any breakdown will result in significant losses.

When choosing, you should pay special attention to the bill acceptor, since only a very high quality device can effectively recognize counterfeit banknotes.

In addition to the actual costs of purchasing the device, we must not forget about the costs of servicing the terminal - collection, refilling the receipt device, troubleshooting. If you have only one terminal at your disposal, it is more profitable to maintain it yourself (this is not too difficult), and hire a technician only when the business “gets on its feet.” True, collection should still be entrusted to professionals - for obvious reasons.

Without registering a business - nowhere!

You can engage in this type of activity on behalf of both an individual entrepreneur and an LLC. The registration procedure is different in each case, but both individuals and legal entities will have to choose the taxation regime. The optimal simplified tax system would be charging 6% of income. When registering, you must select OKVED code 72.60. There is no need to license your activity.

Upon completion of the registration procedure, you will need to conclude a number of agreements - with the collection service and with the insurance company. The latter should not be neglected: at a low cost (about 5 thousand rubles per year), insurance can be a serious help in unforeseen circumstances.

And in conclusion - the most pleasant thing: calculating future income

The expense part of the business plan for installing payment terminals is as follows:

purchase of a device with software configuration – from 70 thousand rubles;
rent – from 3 thousand rubles per month;
Internet payment – from 600 rubles/month;
terminal maintenance and collection, consumables – from 6 thousand rubles/month;
deposit – from 25 thousand rubles.

Well, the entrepreneur’s income consists of the client commission (3–5%) and the commission of service providers (1–3%) - the exact values of these indicators depend on the specific region and payment system. On average, you can count on a monthly net profit of 20–35 thousand rubles from one device. As their number grows, expenses will decrease and total income will increase. The main thing is not to forget to place visual information that a payment terminal has appeared within walking distance: this will help to significantly increase the flow of customers.

Every consumer knows what a payment terminal is. This is a small device through which you can pay for the services of cable television, an Internet provider or a mobile operator. For each transaction performed, its owner will receive income expressed as a percentage of the payment or a fixed amount. In addition, the businessman will receive rewards from cellular operators or utilities for the opportunity provided to citizens in terms of quick and easy payment for their services. Therefore, for organizing a business, it is only important to decide how to install a payment terminal and where it is best to do it.

What is required to organize a business based on the operation of payment terminals? First, you need to buy the actual equipment and software for it. Their cost varies from 48,600 to 68,900 rubles depending on the configuration and capabilities. The standard equipment of the terminals includes:

touch screen;
bill acceptor;
printer for fast printing of barcodes and receipts;
modem for communication with operators;
a device that reads credit cards (subject to the possibility of making payments through this banking product).

Next, you should conclude agreements with service providers. Such companies will provide an excellent Internet signal that will allow money to be transferred to the account specified by the consumer. In addition, the provider will continue to supply programs and update payment systems, which are the “tool” for making transfers. In this case, the businessman will not need to simultaneously enter into several contracts with individual utilities or mobile operators. The set of contracts will be provided by the provider. Of course, if a businessman is not registered as an individual entrepreneur or private legal entity, this will have to be done in advance, because providers will only work with legally registered companies or individuals.

The individual entrepreneur form will also be useful when concluding lease agreements for the area where the terminals will be located. This is best done in busy places, such as near meter stations, in supermarkets or right on the street, but only closed devices can be placed outdoors. Although the cost of a payment terminal with additional security functions is much higher and will amount to 80,500 - 95,000 rubles.

The terminals will require an area of only 1 sq. m. m., for which the businessman will pay the landlords 3,500 - 16,000 rubles, depending on the location and functionality of the building. Mandatory conditions for the selected premises are also the presence of an Internet connection and accessibility to the electrical network (sockets). A businessman, as the owner of a terminal, will need to regularly monitor the performance of the equipment. Any disconnection from the network or the Internet may result in the user’s transfer not being completed. Consumers will remain dissatisfied, the businessman will lose profit. Therefore, it is the owner who is obliged to ensure uninterrupted operation of the terminal.

For an agreement with a provider and for an Internet connection, you will need to pay from 2 thousand rubles monthly.

That's all the investments you need to prepare when developing a business plan in which payment terminals occupy a central place.

As practice shows, a payment terminal pays for itself in 1-2 years. But it is important to remember the following rules even before starting a business:

the average traffic in the room should not be less than a thousand people per day;
other payment terminals should be located far enough from the selected point;
the terminal should be clearly visible and not lost inside the store;
The presence of the terminal may be additionally notified by billboards and signs.

Now you know how to install a payment terminal and where it’s best to do it.

After the first net profit appears, you can expand the network and list of services. It is recommended to purchase exit terminals, which are located in the trunk of a car, and outdoor devices. Experts also advise regularly expanding the number of organizations whose services will be accepted in your installation. And the more points you, as a businessman, set up, the more profit you will receive monthly.

Small businesses belong to the segment of large clients of the banking market. Despite its small turnover, it has similar service and technology requirements to the corporate sector.

Installation and use of POS payment terminals or banking acquiring services are in great demand today, provide a lot of opportunities and have many advantages.

Read more about the operating principles, features and types of such services below.

POS terminal - what is it?

In most cases, the main purpose of small business representatives turning to a bank is to obtain settlement and cash services.

Payments to counterparties and tax authorities, operational management of balances, cash collection - this is not a complete list of services related to cash settlement services (cash settlement services).

The installation of non-cash payment terminals also refers to the type of service under consideration and involves debiting funds from the bank card holder’s account to the seller’s account.

Payments using plastic cards have become an integral part of the life of a modern person. Today, almost all stores and service centers are equipped with special terminals for accepting non-cash funds.

Such devices are called POS terminals (Point-of-Sale - point of sale).

At all points of sale where non-cash payments by bank cards are accepted, a sticker with the logos of all payment systems whose cards can be used to pay the bill through this POS terminal is placed at the entrance or near the cash register.

How does it work

The modern level of technology allows you to make a payment using a POS terminal in a matter of seconds. The details of this process are as follows:

The client informs the cashier or seller of his intention to pay for the purchase using his bank card.
The cashier asks him to present an identification document (especially if the amount is significant).
The seller inserts the card into the POS terminal, thereby activating it. The client is asked to enter his PIN code.
Card information is transferred to the processing center.
The system checks the balance on the client's card.
If there is a sufficient amount, funds from the account are transferred to the account of the acquiring bank.
A slip is printed in two copies - a payment document with information about the transaction performed.
One copy of the slip (with the client’s signature) remains with the cashier, the second (with the seller’s signature) is given to the buyer.
The bank transfers the money received from the client to the company’s account minus a pre-agreed commission.

When using banking acquiring services, a company can:

connect your cash register directly to the payment system;
rent a POS terminal;
use your terminal for cashless payment.

At the same time, there are several types of POS terminals that differ in functionality, capabilities, cost and some other parameters.

Types of acquiring

There are 3 types of banking acquiring and POS terminals:

Trade

Trade POS terminals are installed in trade and service organizations (shops, hairdressers, cafes, hotels, etc.) and have a distinctive feature of direct contact between the seller and the buyer.

An agreement is concluded between the supplier and the recipient of the service of using a trading POS terminal. In accordance with it, the bank installs the necessary equipment, licensed software (software), provides consumables, and provides free training to employees. At the same time, the owner of the outlet undertakes to create the necessary conditions for installing terminals and accept bank cards for payment for goods and services.

The considered type of POS terminals is the most common and popular.

Internet acquiring

This type is characterized by the absence of direct contact between the buyer and the seller. Online, the client can quickly and easily pay for a product or service using his card in any online store. To do this, you must enter the card number, expiration date, last name, first name of the holder and CVC2 code. As a rule, money is written off instantly after confirmation using the sent password.

Mobile

As an additional or alternative to the traditional one, you can choose to install a mobile POS payment terminal (mPOS). It is a card reader that connects to the phone using a special mobile application and provides the ability to transfer money from the client’s account.

Let's take a closer look at this type of terminal.

Mobile payment terminals with bank cards

The use of mobile payment terminals with bank cards is a new direction in banking acquiring with broad prospects in the future. Their use when paying with cards will be convenient for couriers, taxi drivers, employees of repair and service organizations, tutors, brokers, movers, private doctors, craftsmen and other workers providing field services.

For entrepreneurs with a turnover insufficient to install traditional POS terminals, this type of acquiring is the best solution.

Since 2012, proposals for the use of mPOS payment devices have appeared in Russia for the first time. The largest banks began to cooperate with such mobile acquiring services as Pay-me, 2can, LifePay, SumUp and iPay.

Principle of operation

The operating principle of such cashless payment devices is very simple. An entrepreneur buys a card reader and installs the necessary application on a smartphone or tablet. After registration, he receives a full-fledged mobile terminal that operates on a 3G network and accepts payments by bank cards.

Price

The cost of a card reader depends on the requirements of a small business representative and starts from 3 thousand rubles. However, many companies offer readers for free or compensate their cost by charging a commission.

The average market size of the latter ranges from 2.5 to 2.75% of the transaction amount and does not depend on the organization’s turnover.

Kinds

Mobile payment terminals can be divided into the following types:

Connectable via Bluetooth, USB port or audio jack

The most inexpensive and versatile devices are those connected via an audio jack or based on a mini-jack. Bluetooth-based terminals provide full authorization by entering a PIN code when paying.

Reading CHIP, magnetic stripe or combined

In Russia, the vast majority of devices are offered for cards with a magnetic stripe.

Digital and analog

Digital terminals encrypt data read from the card before transmission to the phone and are resistant to possible errors and interference.

Advantages

The use of mobile POS terminals has a number of advantages compared to traditional cashless payment devices:

mini-terminals are much cheaper than regular terminals, which provides some savings at the system implementation stage;
mPOS terminals have increased mobility and portability due to the possibility of use in companies and organizations without computers and a constant source of electricity;
high level of safety and security for both parties to the transaction;
the opportunity to work, sell goods and provide services around the clock.

Mini-terminals allow you to launch a project quickly, with minimal costs and low commissions. To do this, you only need a smartphone and an mPOS terminal.

Flaws

The existing disadvantages include the following:

a narrowed circle of banks providing mobile acquiring services;
there is a certain mistrust on the part of cardholders;
duration of the payment procedure (to do this, you need to connect the terminal, launch the application, complete the required steps in its menu, and obtain the client’s signature);
lack of guarantee of work in an area of uncertain reception.

Analysis of offers from 2can, LifePay and Payme

The three projects under consideration are the most popular mPOS terminals on the market. Below is a summary table with the key conditions of mobile acquiring.

For entrepreneurs with a turnover of over 1 million rubles, such companies are ready to provide commission discounts and more favorable terms of cooperation. In general, the conditions for the proposals considered are similar, with the exception of the cost of the terminal in Payme, which is slightly higher than the others.

The nuances of using POS payment terminals for small businesses

The use of cashless payment terminals opens up many opportunities for small businesses:

statistical data indicate a natural increase in sales volume by 20-30% after the installation of cashless payment devices (this is due to the fact that cardholders are prone to more expensive purchases);
cooperation with a bank that provides acquiring services allows you to count on preferential offers and favorable conditions for other products;
the use of POS terminals eliminates such an unpleasant phenomenon for any business as the circulation and detection of counterfeit banknotes;
Free training of the organization's employees in the necessary skills and knowledge is possible.

conclusions

Of course, installing POS terminals is beneficial not only for small businesses, but also for the banks themselves. A significant share of the Russian acquiring market is divided between such major participants as Sberbank, UCS, Gazprombank, VTB and Russian Standard. They account for approximately 74%.

Before making the final decision to install a cashless payment terminal in your company, it is important to study in detail all the offers, tariffs, their differences and advantages available on the market. Based on the requirements and specifics of the work, you can choose the optimal and profitable offer.

Every year, more and more entrepreneurs and small businesses join non-cash payment systems for their goods and services, while receiving many opportunities and additional profits.

Acquiring allows you to accept payments using bank cards with minimal costs and maximum convenience, which is especially valuable for individual entrepreneurs and mobile businesses.

Video - a review from an entrepreneur about using a mobile payment terminal with bank cards:

Discussion (9)

Acquiring from MIRBEZNALA for your money turns out to be the best option. With large sales volumes it comes out for adequate money. I filled out the form, paid and immediately received my terminal. The convenient thing is that you pay only for operations, there is no monthly fee. Consider this good advice ;)

A video has appeared online about how, in fact, it’s easy to withdraw money from an unsuspecting store visitor using a POS terminal. While the man is busy with something at the slot machine, the owner of the terminal successfully debits a certain amount from his contactless bank card lying in the back pocket of his jeans.

I wanted to organize the possibility of paying by bank cards for my pet store. I contacted the bank. It turned out that it was tin. They will charge a 2.5% commission on each payment. MIRBEZNALA solves this problem in a more convenient way. You buy a terminal, although it’s not cheap, but if you do the math, I still get it cheaper. Then you arrange acquiring through the desired bank with a minimum percentage and accept payments. I was also pleased that all payment data is visible in the service interface: date, time, amount.

I, too, can’t go anywhere without a card, so what, everything is correct now in all stores they are accepted, thanks to such terminals, everything is very convenient and fast, you don’t need to look for change in your wallet, and the payment process for the purchase goes faster. For those who haven’t installed it yet, think about it, there will be more buyers!

This is for sure, probably few people work without such terminals, because it is more convenient for the buyer to pay with a card than to look for the required amount in a wallet. And it seems to me that even children have cards, mine definitely do, so you can control your purchases, it’s necessary!

The abbreviation POS (short for “Point Of Sale”) literally means “point of sale.” Accordingly, a POS terminal is a device that performs a number of functions for the successful functioning of a retail outlet (for example, accounting and sale of goods). I already have a good, necessary device at all points of sale, but how can I work without it?

A POS terminal is one of the components of a successful business. This is also due to the fact that more and more different cards with cash back are appearing on the market. Therefore, for many people these are pleasant little things in the form of savings.

A POS terminal is a necessary thing for any entrepreneur, regardless of what he does. I have a small chain of stores in the city and the terminals were not installed in them at the same time, due to certain circumstances. Revenue per shift in stores with and without cashless payments differed quite significantly. One day I decided to ask the sellers, the “lagging” store, what was the matter? And then the girls asked me to quickly install a POS terminal for them, because they are losing a lot of customers due to the fact that they have to go look for an ATM... and not all of them come back.

We are a branch of Igolochka in Stavropol, we have wholesale sales. The issue of installing a POS (trade) terminal did not arise until clients began to ask. Cashback on bank cards has made paying for purchased goods popular. For us it's more of a hassle. It takes a lot of time to serve one client. A queue begins to form. The reason is the long response from the terminal. We hope that this problem will be resolved soon.

Statistics show the growing popularity among the population of non-cash payments for goods and services through the use of bank cards. To ensure payment acceptance, you will need to install acquiring terminals. What are they? What is the optimal model to choose for your enterprise and how to install a terminal for paying with bank cards for a store or at a place where services are provided - we will understand further in the article.

Types of terminals for receiving payments by bank cards

Acquiring terminals can be roughly classified into the following main categories:

Autonomous.

These are ordinary “large” terminals that are located at most checkout counters in Russian (and probably foreign) stores. The main feature of their autonomy is their ability to fully operate without connecting to any additional devices.

A standalone terminal includes all the hardware components necessary to ensure payment acceptance. In particular, these include:

card readers (contact, contactless);
a keyboard for entering data (for example, receiving a PIN code from a card that the buyer enters);
communication modules for receiving and transmitting data online (as part of messaging with the acquiring bank);
printer for printing a receipt.

Note that many stand-alone terminals do not have a built-in printer - you need to buy and connect an external one. But at the same time, the rest of the modules, including computing ones, are with them.

An important nuance: if the acquiring terminal is used simultaneously with an online cash register (or an alternative device that can be used by law - for example, a printer for printing sales receipts or strict reporting forms), then the buyer two checks must be issued as confirmation of payment: printed on the terminal and generated by the online cash register (including in electronic form upon request).

This is because accepting payment by card through acquiring and punching a receipt at an online cash register are two legally independent, although related, procedures. Their relationship lies in the fact that card payment data is, one way or another, transferred to the online cash register (and based on this data, a cash receipt is printed).

But if the buyer is given only a check from the acquiring terminal, then this will be a violation of the law on the use of cash register systems.

The autonomous device has built-in computing modules and, in many cases, is equipped with a high-performance battery. Communication modules that are part of the terminal can provide both wired and wireless data transmission, depending on the specific terminal model.

PIN pad type.

In size and appearance, such terminals are very similar to stand-alone terminals, but differ from them in that they require connection to an external computing module - a computer, cash register or mobile gadget. In fact, it is possible to connect a PIN pad to a standalone terminal.

The PIN pad is essentially adapted to perform only two basic operations:

reading the card (and transferring the read data to a computer for further processing);
entering data from the keyboard.

Exists A “subtype” of a PIN pad is a device used exclusively for entering data from the keyboard (and sometimes reading cards). Sometimes called a "remote keyboard".

It connects as an external device to the acquiring terminal. Its purpose is to ensure that the PIN code is entered in a place convenient for the buyer: the terminal itself at this time can be hidden somewhere under the table (or even placed in another room).

The function of printing a receipt confirming receipt of payment by card is implemented extremely rarely on PIN pads. The reader must be connected to an external printing device.

The PIN pad also outsources a significant amount of computing operations, since, as a rule, it does not have built-in modules with sufficient performance to carry them out. The same can be said about communication functions. By default, many PIN pads contain a minimum of communication ports and modules (as a rule, the matter is limited to the ability to connect to a computer - via a USB cable or via Wi-Fi). Accordingly, it is necessary that the necessary functionality is supported on the computing module.

Note that the “dependence” of the PIN pad on the presence of external devices, in fact, can be considered as one of the advantages of using readers instead of stand-alone terminals. The fact is that you can connect several PIN pads to the same PC, provided that it has the necessary performance. This can be significantly cheaper than purchasing several stand-alone devices.

Of course, there are many models of PIN pads on the market that are equipped with a fairly powerful processor and have a large amount of memory - as a rule, sufficient to process basic operations “on the side” of the reader itself in conditions where there is a large flow of customers at the checkout.

Mobile terminalsMPOS.

Such terminals appeared on the market relatively recently. They were first used by the American company Square in 2009. MPOS terminals connect to mobile gadgets - devices running iOS or Android operating systems. Gadgets are used as computing modules. In many cases - and as modules for data input (from the screen or a connected keyboard).

Depending on the variety, MPOS functionality can be reduced to:

to card reading and data entry from the keyboard;
only for card reading.

A receipt confirming the payment from the card can be generated in this case electronically or on a connected receipt printer.

In turn, within each of these categories of acquiring terminals there is a wide selection of devices with different characteristics. Let's consider which of them you should pay attention to first when choosing a terminal - and get acquainted with the popular models of devices of each type.

Which terminal can you choose and install for paying with bank cards for a store and when providing services - an overview of options

From autonomous

Key characteristics of stand-alone devices include:

Degree of compatibility with various types of cards (and their replacement devices).

The main types of cards today are contact (those that are read using a magnetic stripe or chip) and contactless (those that are read via Wi-Fi when approaching the terminal).

Cards can be replaced by smartphones, tablets - on which Apple Pay, Android Pay or their equivalent are installed. As a rule, technologically they are read in the same way as contactless cards.

Thus, the more types of cards a terminal supports (in terms of ways to read them), the better. It is desirable that the buyer has the opportunity to pay in any way convenient for him.

Processor frequency, amount of RAM, flash memory (and support for connecting additional memory cards).

Since the terminal is adapted for “autonomous” computing, it is highly desirable that those of its hardware components that are responsible for performance are sufficiently technologically advanced. As a rule, modern autonomous terminals are equipped with:

ARM7 level processor (with a frequency of 60-72 MHz) and higher;
RAM from 16 MB;
flash memory with a capacity of 16 MB.

These characteristics are, in general, minimal for acquiring terminals. Some devices available on the Russian market have hardware components that exceed those indicated in performance several times (and even several dozen times).

The higher the flow of customers at one checkout, the higher the requirements for terminal performance. If the retail outlet is a small grocery store attached to a residential building, then you can get by with installing a less productive and cheaper terminal. If we are talking about a chain supermarket, then you will need to install more powerful terminals. In some cases, experts recommend using devices with a processor frequency of 2 GHz or higher - otherwise you will not be able to process continuous transactions in line at the checkout.

Number of supported types of Internet communication channels.

Without the Internet, an acquiring payment cannot be made, since its approval requires a confirmation message from the bank that issued the card (as well as an appeal to the acquiring bank, which ensures the exchange of such messages). In order to avoid getting into an unpleasant situation when a client has collected a large amount of goods at the checkout, and the payment does not go through due to a loss of connection to the network, it is advisable to have terminals that support several channels of network access at once.

For example, a wired channel can be the main one, and a mobile one can be a backup one (in this case, you need to regularly check the SIM card installed in the terminal to ensure there is a sufficient balance).

Receipt Printer Performance.

The higher the receipt printing speed, the greater the flow of customers can be served at the terminal. The optimal design print speed is 60 mm/sec (about 25 lines/sec) and higher.

Adaptability to remote configuration.

A terminal adapted for configuration via remote access channels can be diagnosed in advance and sometimes repaired if software failures occur. And if they arise right in the middle of a cashier’s working day, remote control of the terminal will undoubtedly only contribute to their speedy elimination.

Which terminal models should you pay attention to?

Among the most technologically advanced, in terms of compliance with the specified characteristics, and at the same time affordable solutions, is a device such as the Pax S80.

It is available in several modifications (differing from each other mainly in the level of support for communication channels). For example, a device in the PAX S80 Ethernet version (costs about 15,000 rubles) is capable of transmitting data only via wired Internet, and a PAX S80 Dialup+Eth+GPRS CTLS device (costs 25,000 rubles) - via wired Internet, modem and GPRS mobile Internet.

The device supports all types of modern cards - contact and contactless. Equipped with a high-performance ARM 11 processor with a frequency of 400 MHz, a sufficient 64 MB RAM module and 128 MB flash memory. The terminal's built-in receipt printer generates receipts at a speed of about 25 lines/sec.

Another high-performance solution is the Verifone VX520 device. Depending on the modification that supports various methods of data transmission via the Internet, the terminal costs from 20,000 to 30,000 rubles.

But the user gets a device equipped with a high-performance ARM 11 processor with a frequency of 400 MHz, a 32 MB RAM module, and 128 MB flash memory, which can be increased to 500 MB.

There are devices on the Russian market that combine the functionality of an acquiring terminal and an online cash register “in one package.” Such devices include a cash register with a terminal for bank cards Yarus M2100F. The solution is not cheap - fully equipped (with a fiscal drive) it will cost about 40,000 rubles. At the same time, the user will have at his disposal a universal device that does not require integration costs (as is the case with the purchase of an online cash register and terminal separately).

In terms of characteristics, the device from the Yarus company is quite competitive. It is equipped with an ARM 9 processor with a frequency of 180 MHz, a 32 MB RAM module, 16 MB flash memory, and a receipt printer with a receipt printing speed of 75 mm/sec. The device is equipped with a powerful 3000 mAh battery, which allows it to be used in completely autonomous mode when trading in a mobile format.

From PIN pads

The key characteristics of such devices largely coincide with those that characterize stand-alone acquiring terminals. In this case, you can pay attention:

On the degree of compatibility of the PIN pad with cards.

For the presence of wired and wireless communication modules.

The performance of PIN pads is obviously determined to a large extent by the hardware characteristics of the computing modules to which they are connected. Of course, the general rule applies here: the more powerful the PC or gadget that performs the function of such a module, the better. But since acquiring operations are difficult to classify as those that involve a large load on the processor and memory, then, in principle, any more or less modern device will do, even if it belongs to the budget category. For example, a smartphone with a 1-2 GHz processor and 1-2 GB memory. The difference with the parameters of standalone devices should not confuse us - the computer, in addition to “maintaining” the PIN pad, simultaneously solves many other problems - at least at the level of system applications.

Of course, if several PIN pads are simultaneously connected to a computing module, the requirements for its performance can increase significantly. But in any case, you need to test how everything works. Perhaps, even with an increase in the number of PIN pads connected to a PC or gadget, performance will not suffer much, and the store will not have to spend money on purchasing more powerful devices.

The performance of the external receipt printer also matters - as we already know, unlike most models of acquiring terminals, it is usually not included in the PIN pad. At the same time, in many cases, external devices print receipts much more quickly than those preinstalled in stand-alone terminals.

What device models can you pay attention to?

Among the PIN pads, which in their functions are as close as possible to autonomous acquiring terminals, include the Yarus P2100 device. In fact, it differs from a full-fledged terminal in that it does not have a built-in printer or support for communication modules - both of which must be performed by the connected devices.

At the same time, for 14,500 rubles (this is one of the lower price thresholds in the segment of autonomous solutions), the user receives an “almost terminal”, which:

Other popular and technologically advanced solutions in the PIN pad segment include the following devices:

VeriFone Vx805;
Ingenico iPP320;
PAX SP30.

Since the PIN pad does not have a built-in printer, you will need to purchase one (if this has not already been done). When choosing a printing device, the key parameters will be:

as in the case of built-in printers - print speed (a typical indicator for the segment is from 250 mm/sec);
level of support for communication interfaces (typically support only wired ones - USB, RS-232, but there may also be models with Wi-Fi modules);
presence of an auto-cutter (usually available);
compatibility with operating systems (as a rule, the main operating systems for computers are supported - Windows, Linux);
presence of sensors - tray opening, small amount of paper (usually present).

Popular models of receipt printers for acquiring terminals include the following devices:

ATOL RP-326;
Sam4s Ellix 50DB;
Aura-6900L-B.

Please note that by default these devices are not suitable for printing receipts from online cash registers. Theoretically, they can be configured for these purposes, but in practice this is usually not necessary: stand-alone online cash registers, as a rule, have a built-in printer, while modular ones use a fiscal registrar printer.

From mobile MPOS terminals

MPOS terminals for gadgets are conventionally classified into 2 types:

performing only reader functions;
performing the functions of a reader and a device for entering data (PIN code for a card).

Accordingly, the lists of significant characteristics of MPOS terminals will be significantly shorter than those that we named above in relation to stand-alone terminals and PIN pads. In fact, this is one main characteristic - compatibility with various types of cards. Early models of MPOS terminals supported cards with a magnetic stripe, later - devices with a chip, and most modern reader models provide contactless card acceptance.

Miniature terminals can also be classified according to the method of connection to the computing module. Most often, this connection is made via USB, Bluetooth, or audio connector.

You can get additional information and register for the Pay-Me service on the official website - LINK.

Distinctive feature of MPOS terminals– is that those device models that are presented on the Russian market in many cases they are issued in connection with a specific acquirer(or his partner). That is, for example, buying a miniature terminal from Pay Me and then using it to accept card payments through Yandex.Checkout interfaces may not work.

Both of these brands are among the leading suppliers of MPOS terminals in Russia. But besides them, there are dozens of companies in the segment - both those that have comparable scales and completely starting businesses. At the same time, the conditions for using terminals from Russian suppliers, in general, are determined according to a single scheme, and the characteristics of devices of the same type used (“readers only” or “readers with a PIN pad”) differ, as a rule, slightly.

Video - how the Life-Pay mobile terminal works for paying with bank cards:

A typical modern MPOS terminal, using the example of the P17 device from 2Can, can:

read all types of cards - contact, contactless, as well as mobile devices on Apple Pay, Android Pay and similar systems;
connect to your computer via Bluetooth.

The cost of the device is 7990 rubles. Competing solutions will cost a comparable amount. Thanks to its mobility, the terminal will be extremely useful for businesses operating in a “delivery” format.

From innovative hybrid

On the Russian market there are more and more different “hybrid” solutions that do not lend themselves to the classification we have considered.

For example, there are smart terminals - devices that are “very similar” to stand-alone devices, but are essentially a type of MPOS device. They are suitable for reading cards, entering a PIN code, and sometimes for printing receipts - but they “outsource” the computing operations to the connected device - as a rule, this is a small smartphone.

There are variations of MPOS that are functionally close to standalone solutions. In fact, they can fully comply with them - as is the case with the A17 device from 2Can. This is, indeed, an autonomous mobile terminal, not inferior in basic capabilities to typical autonomous solutions - but supplied at a more favorable price even in comparison with the lower threshold for the segment of such solutions - 13,990 rubles.

Devices such as the A17 terminal can in the future become a significant competitor to traditional types of acquiring equipment. Especially in those business segments for which such mobile devices are already optimized.

The emergence of such solutions, in general, reflects the general trend toward a shift in user interfaces in favor of those implemented on devices such as “mobile gadgets” in a variety of technology segments (including the segment for supplying online cash registers). A modern person is accustomed to using a smartphone or tablet, and if there is a question about choosing an acquiring terminal, then he will most likely prefer the one that is closer in control method to “screen-oriented” gadgets. And this is not counting the fundamental possibility of using such terminals, in fact, as gadgets - at least from the point of view of expanding functionality by installing additional applications.

Obviously, in the case of using acquiring terminals of the “gadget” type, the technical requirements for such devices will be completely different. It is clear that such a device will by default be equipped with a processor of sufficient performance and sufficient memory. All communication modules in the device can be present, as well as a receipt printer with sufficient speed for printing receipts, all types of cards are supported. But how can a gadget-type terminal from one manufacturer be more competitive than a solution from another brand?

Promising key characteristics applicable to “hybrid” terminals include:

the degree of openness of the operating system used to install third-party applications (the ideal option is if there are no restrictions, and best of all, there are no restrictions on installing your own operating system);
the degree of compatibility of the device with acquirers not affiliated with the supplier (meaning a scenario without making any changes to the structure of the operating system and applications installed by default);
adaptability to integration into the current infrastructure for making and accounting payments at the enterprise (for example, in terms of compatibility with cash register and inventory accounting software).

But based on the novelty of the segment, it is legitimate to say that the list of competitive characteristics of gadget-type terminals can be supplemented with other options (which can subsequently be replaced by others). The practice of using such devices will reveal their strengths and weaknesses relative to traditional solutions - and will likely reveal additional significant characteristics of innovative terminals that can be paid attention to.

Summary

So, among acquiring terminals there are devices:

Autonomous (“all in one” - reader, data entry, calculations, communications, receipt printing).

Their main advantage is that there is no need to purchase external devices to ensure full-fledged acquiring. The main disadvantage is the fairly high price.

Suitable for stores with a good flow of customers and regular transactions at the checkout.

PIN pads (“partially all in one” - without communications and printing of receipts, some part of the calculations, the rest of the functions are on external connected devices).

Suitable for the same business entities, they allow you to optimize the infrastructure of settlements with customers (by organizing payment acceptance in a convenient place, combining several acquiring devices into one infrastructure on a common computing module).

PIN pads generally cost less than stand-alone devices with comparable characteristics in terms of overall functionality.

MPOS (“not much, but useful in one thing” - only a reader or a reader with data input, the rest of the functions are on external devices).

Ideal for mobile and start-up businesses due to their low price. However, they are supplied, as a rule, in strict relation to a specific acquirer.

There are innovative “hybrid” solutions that can seriously displace traditional products in the acquiring terminal market.

Video - instructions for working with the Verifone VX520 terminal:

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

Starting a business in the modern world will not be possible 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 clients who want to make a purchase using a 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 a 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 a store or cafe, the owner thinks about the question of how to connect a terminal for paying with 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 range from 1.5-4.0% of the total purchase price.

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 receipt data to the buyer electronically by sending it to an online 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.