What is acquiring? Acquiring is payment by cards. Acquiring services include cafes, shops, online stores, delivery services, taxis, and concert ticket sellers.
In regular stores, customers tap their card on the terminal and pay for their purchase. To pay on the website, the buyer enters card details and sends them to the store. In both cases it is an acquiring system.
There are three types of acquiring:
Internet acquiring - for payments on websites and social networks;
trade acquiring - for shops and cafes;
mobile acquiring - for mobile points and couriers
.
Acquiring is payment by cards. Acquiring services include cafes, shops, online stores, delivery services, taxis, and concert ticket sellers.
In regular stores, customers tap their card on the terminal and pay for their purchase. To pay on the website, the buyer enters card details and sends them to the store. In both cases it is an acquiring system.
There are three types of acquiring:
Internet acquiring - for payments on websites and social networks;
trade acquiring - for shops and cafes;
mobile acquiring - for mobile points and couriers
.
Who needs acquiring services? Retail outlets with a turnover of 60 million rubles per year and more. Such stores are required to accept cards for payment. This is a legal requirement.
Online stores. If you sell online, acquiring will help you accept cashless payments. This will help fight the cash gap: you don’t wait for the delivery service to collect cash payments from customers and send them to you, but receive the money immediately into your account. Without acquiring, it is difficult to pay for a purchase with a card: you need to go to the Internet bank and fill out the store details. The money will arrive in three days. Acquiring will save time for you and the buyer.
Regular store or cafe. If you only accept cash, sellers will have to find change and buyers will have to find a nearby ATM to withdraw money. Acquiring eliminates this problem: the buyer pays by card and the seller issues a receipt.
Delivery services. If the courier carries an acquiring terminal with him, he does not need to carry change with him and worry about the safety of cash while he is on the road.
Retail outlets with a turnover of 60 million rubles per year and more. Such stores are required to accept cards for payment. This is a legal requirement.
Online stores. If you sell online, acquiring will help you accept cashless payments. This will help fight the cash gap: you don’t wait for the delivery service to collect cash payments from customers and send them to you, but receive the money immediately into your account. Without acquiring, it is difficult to pay for a purchase with a card: you need to go to the Internet bank and fill out the store details. The money will arrive in three days. Acquiring will save time for you and the buyer.
Regular store or cafe. If you only accept cash, sellers will have to find change and buyers will have to find a nearby ATM to withdraw money. Acquiring eliminates this problem: the buyer pays by card and the seller issues a receipt.
Delivery services. If the courier carries an acquiring terminal with him, he does not need to carry change with him and worry about the safety of cash while he is on the road.
Why is it needed? Acquiring helps stores increase revenue, make customers more loyal, deal with queues and establish cooperation with the bank.
With acquiring there are more chances to increase revenue. Imagine that there are two buyers: Andrey and Marina. Andrey pays in cash, and Marina - by card. If the store does not have acquiring, only Andrey will make the purchase, and if there is, both will make the purchase.
Payment by cards is faster than cash. The cashier does not ask the customer to find smaller money and does not look for change, which means he serves faster. This is how acquiring deals with queues.
With acquiring, the bank sees account turnover. If the store needs a loan, this will help the bank make a positive decision.
Acquiring helps stores increase revenue, make customers more loyal, deal with queues and establish cooperation with the bank.
With acquiring there are more chances to increase revenue. Imagine that there are two buyers: Andrey and Marina. Andrey pays in cash, and Marina - by card. If the store does not have acquiring, only Andrey will make the purchase, and if there is, both will make the purchase.
Payment by cards is faster than cash. The cashier does not ask the customer to find smaller money and does not look for change, which means he serves faster. This is how acquiring deals with queues.
With acquiring, the bank sees account turnover. If the store needs a loan, this will help the bank make a positive decision.
How much do acquiring services cost? If you connect acquiring in Modulbank, you only need to pay commissions on purchases, there will be no monthly fees. If you sell not on the Internet, but in real life, you will also need a terminal.
Banks often rent out terminals. Then the seller pays a subscription fee every month, and the bank can take away the terminal if the store’s turnover decreases. This is especially inconvenient for those who have seasonal sales, for example, an ice cream truck or goods for the garden.
In Modulbank you receive ownership of the terminal: pay for it once, and the terminal is yours. We won't take him away.
The commission on purchases depends on the type of acquiring and the tariff that the client has subscribed to. The minimum commission on a purchase is 1.5%, the maximum is 2.3%. The simplest terminal for acquiring costs 13,000 rubles, the most expensive - 27,000 rubles.
If you connect acquiring in Modulbank, you only need to pay commissions on purchases, there will be no monthly fees. If you sell not on the Internet, but in real life, you will also need a terminal.
Banks often rent out terminals. Then the seller pays a subscription fee every month, and the bank can take away the terminal if the store’s turnover decreases. This is especially inconvenient for those who have seasonal sales, for example, an ice cream truck or goods for the garden.
In Modulbank you receive ownership of the terminal: pay for it once, and the terminal is yours. We won't take him away.
The commission on purchases depends on the type of acquiring and the tariff that the client has subscribed to. The minimum commission on a purchase is 1.5%, the maximum is 2.3%. The simplest terminal for acquiring costs 13,000 rubles, the most expensive - 27,000 rubles.
How to connect acquiring?
For online acquiring, we will send you an SMS code with which you sign an application to add an online store. We tell you the steps you need to take to embed acquiring on your website. Typically, embedding acquiring on a website takes no more than 20 minutes.
If you are already a client of Modulbank, write to us in the chat. We will send you a form: we will fill out some of it for you, and you will fill out some of it yourself. We will check your application - this takes one business day. After this, we will send you an acquiring application. After this, you need to conclude an agreement.
For merchant acquiring, we will send you the terminal ourselves.
For online acquiring, we will send you an SMS code with which you sign an application to add an online store. We tell you the steps you need to take to embed acquiring on your website. Typically, embedding acquiring on a website takes no more than 20 minutes.
In this article we will figure out whether it is possible for an individual to apply for trade, mobile and Internet acquiring. Let's find out why to conclude an agreement with a bank you need a valid current account and for what reason banks do not work with individuals. persons without individual entrepreneur registration.
Can an individual connect to merchant acquiring?
Connecting acquiring to an individual's personal account is discussed on many forums. faces. But today banks do not work according to this scheme. That is, to conclude an acquiring agreement (current account), which was specially drawn up for conducting commercial activities. Banks transfer payments from buyers to it, minus a commission for their services. And since commercial settlements are prohibited on current accounts, no bank will sign an acquiring agreement with an individual. a person without registration as an individual entrepreneur or LLC.
Internet acquiring and personal account of an individual
Such acquiring also cannot be connected to a “physics” account. But you can receive payments from cards through special payment programs, electronic wallets, etc. To do this, you need to conclude an appropriate agreement, and then you need to pay taxes on all receipts.
Mobile acquiring for individuals
As for mobile acquiring, the situation is similar. To purchase an mPos terminal and connect acquiring and receive payment to your account, you need to open an individual entrepreneur and sign an agreement with a credit institution.
Mobile acquiring for individual entrepreneurs is the introduction of a useful tool into your business that will allow you to accept bank cards from customers as payment for your goods or services. Cool-Pay has developed special favorable terms of cooperation under an acquiring agreement that take into account the requirements of small businesses and the needs of individual entrepreneurs. The main difference between our company is that we actively use a personal approach. Mobile acquiring becomes an assistant to an entrepreneur if it takes into account the characteristics of the business: the size of the company, trade turnover, field of activity and other features. It is precisely these convenient and mutually beneficial working conditions that we offer to all individuals who conduct business activities as individual entrepreneurs. We present to your attention all the benefits of mobile acquiring, developed by Kul-pay specifically for individual entrepreneurs.
More details
Mobile acquiring is a smart alternative to traditional POS terminals. Today you have the opportunity to accept non-cash payments from customers, having only a compact device for accepting payments - a card reader and any modern tablet or smartphone with Internet access. You will be able to accept all popular types of cards: VISA, Electron, MasterCard, Maestro, without losing your profits! With the help of mobile acquiring, individual entrepreneurs can improve the customer service process by simplifying and speeding up settlements with customers. The seller no longer has to look for change and count the change, and the buyer no longer has to wait in line at the checkout. Payment by card is a simple, fast and secure payment method. Of course, mobile acquiring helps businesses grow.
You will be able to attract a large number of new solvent customers who are accustomed to paying for purchases with plastic cards. As a result, your store will increase sales. Small business owners who accept plastic cards from customers are proving that mobile acquiring can help increase sales by up to 30%!
Mobile acquiring as a way to increase revenue for individual entrepreneurs
If you are an individual entrepreneur who is familiar with the problem of low-profit and slow-moving goods, then please note that by accepting non-cash payments, you can increase your trade turnover. Bank cards have become a common means of payment and, as a rule, most consumers store large amounts of money on plastic cards. Therefore, if you offer your customers a convenient non-cash payment method, you will not lose a customer due to the fact that he does not have enough cash with him.
In addition, mobile acquiring has many other benefits for individual entrepreneurs:
- new clients appear;
- sales volume increases;
- the average purchase price increases;
- trade turnover increases;
- the company's image improves.
By giving preference to mobile acquiring, you can reduce the cost of cash collection. In addition, you will increase the security of your business and eliminate the risks associated with cash: cashier errors, loss or theft of cash, receiving counterfeit bills and others.
Please note that we have set a relatively low commission of up to 2.8% of the transaction - this is one of the lowest rates on the acquiring market. In addition, when choosing mobile acquiring for individual entrepreneurs from Kuul-Pay, you will not pay for renting a card reader, subscription fees and eliminate other expenses.
Mobile acquiring - entrepreneur's assistant
Mobile acquiring opens up a number of benefits for individual entrepreneurs who conduct traveling trade, often go on business trips, and participate in long-distance business meetings or exhibitions. Unlike a bulky POS terminal that is tied to a specific retail outlet, mobile acquiring will provide mobility and flexibility to your business. Payment for your goods or services can be accepted anywhere using a card reader via your smartphone or tablet with the Internet.
Mobile acquiring from Cool-Pay is especially in demand among our clients such as taxis, courier delivery, tutors, trainers and entrepreneurs from other fields of activity. Literally, you will receive a personal mobile terminal. The card reader is light in weight, compact in appearance and is provided to you free of charge throughout the entire period of cooperation!
On our website you can connect mobile acquiring for individual entrepreneurs for free. By choosing mobile acquiring for individual entrepreneurs from Cool-Pay, you also receive absolutely free:
- mobile application - mobile terminal;
- card reader and documentation;
- equipment installation and configuration;
- professional consultations.
In addition, we will train you and, if necessary, your staff to use mobile acquiring for free. Please note that servicing your customers using mobile acquiring does not require any special skills or experience. Due to the intuitive interface of the mobile application and the simplicity of the payment acceptance process, you will soon begin accepting payments from Visa and Mastercard cards. In your personal account, you will be able to control all transactions, and all funds from buyers will be credited to your bank account the very next day.
If you would like to learn more about mobile acquiring for individual entrepreneurs or would like to connect, then leave a request on our website. Cool-Pay specialists will help you choose the appropriate tariff, equipment and answer all your questions.
The very ability to pay by card is an obvious plus, and far from the only one.
Six significant advantages for me as a cardholder:
- the card is an opportunity to spend other people’s money while your own are working. Thanks to the credit limit, grace period of 50 days and minimal self-discipline, I do not pay %% for the loan. My money for current expenses is on a debit card at 10% per annum.
- Points or bonuses are awarded for purchases (cash back)— 3%. This is not an end in itself, but if you try to pay with a card everywhere, then once a month you can quite easily buy something useful, and once every few months - something valuable.
- you can refuse to store cash receipts. If you have questions about the product warranty, print out an extract from the Internet bank, this will be proof of purchase.
- It's very easy to control your expenses. Money does not disappear or dissolve anywhere.
- this is the most profitable way to withdraw money from payment systems. Qiwi, Yandex or co-branded WebMoney cards - paying with such a card is actually more profitable than withdrawing cash from an ATM or transferring it somewhere;
- I don’t like carrying around change, counting change and asking questions like “wouldn’t you look at 20 rubles?”.
Ok, but then why doesn’t every entrepreneur accept cards for payment? Previously it was inaccessible, then expensive, but now it’s time. Card payments are unlikely to supplant cash payments, but they are guaranteed to increase customer loyalty, and at the same time, payment conversion and average bill.
There are two main ways to accept bank cards: internet acquiring— payment via the website using card details, and merchant acquiring— payment through a POS terminal using a physical card carrier (magnetic stripe or emv chip). Mobile acquiring is a type of trading, but with risks and commercial conditions more typical for Internet acquiring. Each method has its own scope, solution cost and risks:
Mobile acquiring is the simplest and most affordable today is a way to accept payments by cards, which is especially valuable for small and mobile businesses:
- this is a way to start a project from a “low start”, i.e. quickly, with almost zero costs and a commission of 2.5%. All you need is a smartphone and a mini terminal.
- this is an opportunity to equip employees in the office and “in the fields” with terminals- everyone without exception and even for free. Agree, carrying around a device the size of a matchbox is much better than a POS terminal weighing as much as two 3.5" hard drives and the size of a shoe. The equipment for mobile acquiring is modern and does not require employee training.
- mobile acquiring is available to individuals, but there are nuances and limitations.
- large acquiring banks do not offer solutions based on mini-terminals.
- distrust of technology on the part of cardholders. It takes some time for people to develop a habit and understanding. To overcome this barrier, services actively use popular brands, for example, Svyaznoy for Sum Up, Beeline for Pay-Me.
- average level of security for the card holder. The fact is that Android smartphones are vulnerable to viruses, and the simplest (analog) mini-terminals do not encrypt card data when transmitted to applications. This is an objective risk that makes it possible to massively leak card details and steal money. That’s why most of the services discussed here supply only digital mini-terminals, and use Apple devices in all promotions.
- low level of security for the merchant. By rolling the magnetic stripe of a card that has an emv chip, all the risks are borne by the acquiring bank, and in fact it shifts them to the merchant. The cardholder may object to such a transaction. And then, without the merchant having any sane confirmation (besides the client’s crooked finger signature on the screen), it will be impossible to prove anything.
When paying via emv chip and entering a pin code, all risks are assumed by the issuing bank, which it will successfully transfer to the card holder. This is called a Liability Shift.
In the near future, this risk cannot be eliminated, because Most terminals on the market can only read the magnetic stripe of the card. - low speed and ease of payment. In order to accept a payment, you need to perform 6-7 actions: connect the terminal, launch the application, go through all the steps of the menu, get the client’s signature with a finger on the screen, enter his number or email. In addition, data exchange can be carried out over a cellular network in an area of uncertain reception.
Types of mobile terminals
The operating principles of any POS terminal are the same. The difference between the solutions lies in their cost, reliability and requirements for the speed of payment.POS terminals: cash, banking and mobile:
- Cash register POS terminal transmits the card data to a cash register or cash system, which adds the amount to it, generates a payment and sends it to the bank. It is used in most large retailers, where there are many cash registers, a large flow of customers and a unified information system.
- Bank POS terminal does not connect to a cash register - it is an autonomous and independent device with a battery, thermal printer, WiFi adapter or 3G modem. The payment amount is entered directly on his keyboard, and the generated payment is wirelessly transmitted to the bank. Used in HoReCa and most retail stores.
- Mobile mini terminal reads the card data and transfers it to the mobile application running on the smartphone. The application requests the amount, generates a payment and sends the data to the bank's processing center. Scope of application: small businesses and mobile employees with a small volume of card payments.
Mobile mini-terminals come in the following types:
- Magnetic stripe, chip, or combination readers.
There are magnetic stripe readers ( rice. 1, 3, 4) and chip card readers ( rice. 2, 5, 6). In Russia, 99% of mini-terminals are available for cards with a magnetic stripe. - Connectable via USB port, audio jack or bluetooth.
The device can connect to a smartphone via Bluetooth ( rice. 5), 30pin connector from Apple ( rice. 6) or mini-jack audio connector ( rice. 1, 2, 3, 4). Devices connected to a smartphone via Bluetooth are often called "Chip-and-PIN", because they allow full authorization and payment using a chip card with secure pin code entry on a separate device. USB-connected devices require certification from the equipment manufacturer (for example, MFi for Apple products). The most versatile and inexpensive are terminals based on mini-jack. - Analog and digital.
There are analog ( rice. 3) and digital readers ( other). Digital ones are more resistant to possible interference and errors during reading, and are able to encrypt the data read from the card before transferring it to the smartphone.
And while we are inserting miracle devices into the headphone jack, the rest of the advanced world is doing this:
SumUp. Mini terminal for card reading with emv chip. Connects via mini-jack. Available only for Europe; Russian SumUp represented by Svyaznoy Bank does not offer these:
iZettle. Mini terminal for card reading with emv chip. Connects via Apple 30pin port.
PayPal Here. Autonomous mini-terminal with pin-pad for cards with emv chip. Connects via bluetooth:
Mobile acquiring services in Russia
There are many projects on mobile acquiring in RuNet - there are startups, integrators, suppliers and developers of turnkey solutions. Because this article is aimed at ordinary people and small businesses, then services were identified that met the following criteria:- offer a ready-made solution: came to the site, registered, filled out the documents, received a mini-terminal, downloaded the application and started working;
- are ongoing projects, not prototypes and not just launched startups. There is somewhere to call or write to ask all your questions;
- work legally in Russia And accepts Visa and MasterCard cards in partnership with any bank;
- offer certified equipment, Ideally have PCI DSS certificate And Visa or MasterCard as a partner.
(if anyone knows others, please let me know in the comments)
Criteria for evaluation
I assessed the main parameters of the service based on information taken from open sources.
Such minor properties as support for Maestro cards and PC / Java / Symbian platforms were not taken into account. I also decided to exclude partnership with MPS Visa or MasterCard, because it does not provide any obvious advantages, and the level of reliability of the service can formally be assessed by the presence of a PCI DSS certificate. None of the services reviewed have PCI PTS certificates.
I did not consider the efficiency of payments as a parameter, because I doubt that services and banks in their contracts stipulate an obligation to pay clearly on the next business day and sanctions in case of failure to comply with these conditions.
As for tariffs, 2.5% or 2.75% makes no difference (∆ = 10%). But 2.89% or 3.7% is a significant difference from 2.5% (∆ = 15.6%...48%).
“Pros” are true, “cons” and “questions” are false. Whoever has more points is a great guy.
- The first place in my rating is taken by the service 2can.
- Second place was rightfully shared LifePay, Sum Up And Pay Me.
- The third worthy place is occupied by iPay And iBox.
- Services Simple Pay, RBKCard, Termite and Paybyway are currently outsiders in the rating.
However, time passes, the situation changes, and I do not urge you to completely discount them.
Disadvantages of 2can:
Advantages of 2can:
- loyal and transparent conditions— after visiting the site there are no questions left regarding the terms of connection. This is not “leave a request and we will contact you...”.
- fully automated service— minimum interactions with the manager via email. A convenient personal account that fully accompanies the process of connecting and working with the service. Available immediately after registration and before signing the contract. Much attention is paid to usability.
- acceptable business risks. Most of the risks lie in the technological solution itself - the magnetic stripe card reader - which is actually common to all services operating on the market. Access to the mobile application using a code, the use of only digital mini-terminals, the procedure for linking terminals and activating the mobile application are advantages.
- high degree of trust in the company— the company is new, judging by publicly available information from the Unified State Register of Legal Entities, it was formed in April 2012, but it has serious investors and partners in the person of Visa and top banks. PCI DSS certified.
Massive contactless payments are certainly a distant future for borderless Russia outside the default city. But now Bank RussianStandard is actively replacing all POS terminals in fast food outlets it serves with new ones that support Visa Paywave and Mastercard Paypass. With the support of payment systems Alfa-Bank, RaiffeisenBank and other Russian banks are actively promoting contactless bank cards in all regions. The i-Free company has released an NFC wallet for smartphones, and Tinkoff Bank (TKS) offers to remotely issue a bank card that will be loaded into this very wallet.
Instruction #1 - for business
— officially registered companies and individual entrepreneurs who want to accept cards for payment using mobile terminals:- Smartphones will be needed. If there is, that's good. If not, you can purchase it starting from 2600 rubles. :
- Apple iPhone no lower than 4, or
- smartphone based on Android 4.x with support for 3G, WiFi, GPS (A-GPS) and a mini-jack 3.5mm audio output.
- Prepare a standard package of documents— scans in pdf or jpg:
- TIN and OGRN certificates (on tax registration and state registration),
- director's passport,
- certificate from the bank or agreement on opening a current account,
- photo of the manager (not from the passport).
- Choose between 2can And Life Pay, or register for both at once.
- Indicate 200% of turnover, which you actually plan when filling out the questionnaire. This will affect your daily and monthly limits. And no one asks you to guarantee it, because the commission percentage is fixed.
- Check if there is a limit on one-time transactions. And if there is, then how to bring it to the level you need.
- Order terminals with a small reserve: from 1 pc. up to 20%. They really cost a penny, made in China, they will provide you with them for free. Business downtime and disappointed customer expectations are much more expensive.
- Take the time to read the instructions for payment with cards provided to you by the mobile acquiring service. Your goal is to rewrite them in your own simple language for employees. Here's the basics:
- refuse to accept payments on suspicious cards: those that do not have 16 digits in the number, the first and last name clearly does not correspond to the person, the expiration date of the card has already expired or will expire in more than 5 years, there is no Visa or Mastercard logo and hologram, there is no signature on the strip on the back cards.
- ask for an identification document: driver’s license, passport, or even the UEC (Universal Electronic Card of a citizen of the Russian Federation). It is important to check the first and last name on the card and on the document. In extreme cases, you can ask to see another card and check with it.
- Always show the transaction amount to the client and receive verbal confirmation from him.
- Always get the client's signature. Don't let him press the "next" button. Check the signature scrawled on the screen with the one on the back of the card. If the signature is similar - ok, if not - ask to sign again and more clearly.
- Always send a receipt via SMS after payment.
- This will help reduce your risks, if the transaction amounts are significant:
- If you have clients’ emails, then go through all transactions once a day and send them copies of receipts by email.
- keep some tangible evidence of the transaction: an agreement or other document signed by the client.
- take pictures with the client or photograph the client before or after the transaction.
- When changing your phone number, take details of conversations for the last 3 months.
- Don't listen to your accountant's whining, trust the professionals. Acquiring does not affect taxation in any way: there are no difficulties with it, no change in tax regimes occurs. Everything has been decided a long time ago, and you can read it on professional forums, for example klerk.ru, or contact a tax lawyer or accountant for advice.
- Don't be afraid to lose, don't be afraid to get less. 2.75% of the check amount or will the client buy less? or next time he won’t come to you? Let's be honest: if you sell cars, then yes, this is a serious percentage. And if not, put a sticker on the office glass that says “Visa / Mastercard is accepted here.”
- Don't get hung up on mobile acquiring. If you have an office and clients go there, install a stationary terminal. If you have a website and you can sell through it, link the acceptance of cards on the website. Choose banks from the TOP 100 or well-known payment systems with a PCI DSS certificate.
Instruction #2 - for individuals
— individuals who are just planning to become entrepreneurs, but are already ready to test accepting card payments:- Do not rush to register an individual entrepreneur or LLC, open a bank account and do accounting. For the first transaction, none of this is needed. Moreover, it is legal if you are not engaged in activities that are licensed or contrary to the laws of the Russian Federation. Listen less and use common sense more.
Opening a bank account - from 1,000 rubles. Maintenance is free in some banks.
If we talk about the simplest tax regime - “simplified 6% income”, then the tax burden per year will be at least 36,000. This means that 36,000 rub. contributions will have to be paid anyway, and from the entire turnover over 600,000 rubles. - another 6% tax.
Those. if you earn and “pass” 25,000 monthly through an individual entrepreneur, the tax burden will be the same as when working for hire. At rpm of 50,000 and above - half as much. At rpms less than 25,000, holding IP is pointless.
Next year, 2014, the situation will not change much.
There are a lot of books, I wrote for almost a month. I say “Thank you!”, my patient reader, and I hope for constructive comments!
Mobile acquiring is a modern method of accepting bank card payments, which is gaining popularity in Moscow every year. It allows you to accept payments without a store cash register: a mobile terminal and a smartphone with a special application are enough. This is the best option for the delivery service of an online store, street trading, taxi. The offer is also beneficial for individual entrepreneurs working in small stores.
Usage principle and advantages
With the help of mobile acquiring, the client can pay with a card anywhere, including at home, when receiving goods ordered via the Internet. Payment is made through a terminal connected to a smartphone: just swipe your card and indicate the payment details. The client confirms the payment with a signature on the smartphone screen, after which a receipt is sent to his email address.
This type of acquiring has a number of advantages for business:
- simplicity and compactness - the device is convenient to carry with you, it is a simple and convenient solution for courier services or taxis
- mobility – the terminal connects to a smartphone wirelessly, it takes up minimal space and is lightweight
- transparency of payments - all data on transactions performed is recorded, the electronic receipt serves as a full confirmation of the purchase
- possibility of sales using a catalogue, connecting peripheral devices
The main advantage of introducing new technologies is confirmation of customer loyalty. The ability to pay for a purchase with a card expands the target audience, and the number of repeat requests increases. This type of acquiring is in increasing demand. Choose a profitable solution to increase your organization's profits!
Advantages of cooperation with VTB Bank (PJSC)
We offer to buy equipment at low prices from our partners and order a full range of settlement support services. Optimal solutions are selected for businesses of any level, from a small store to large chains with dozens of branches. Tens of thousands of organizations are already using our services, and the popularity of new technologies continues to grow. Contact our specialists to discuss all the details and choose the best solution!
