Business on payment terminals, features of work. Profitable business: payment terminals

16.10.2019

The situation in which there is a need to urgently use a payment terminal is familiar to everyone. As a rule, in such cases, a considerable distance must be traveled to the nearest apparatus. I would like 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 significant capital investments and time costs are not required for successful business.

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 passing in favor of service providers is obtained mobile communications, lending, internet access and so on.

Where to start? From the choice of payment system

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

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

After the search is successful, you need to conclude an agreement (directly or through an intermediary) and gain access to " personal account”, where you can track the current state of the 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 account of the service provider.

What's next? Finding the right place

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

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

One of the undoubted advantages of the payment terminal is its compactness: only one square meter is required for its “comfortable” placement. True, it is very important that in the territory where this meter was allocated, the power grids work properly and mobile networks. 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 anti-vandal body 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, stops public transport, 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 that are already configured according to 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. Trying to save money on the device is not worth it: any breakdown will result in significant losses.

When choosing, special attention should be paid to the bill acceptor, since only the device is very High Quality can effectively recognize counterfeit banknotes.

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

Without registration of business - nowhere!

You can engage in this type of activity on behalf of both, and. The registration procedure is different in each case, but both an individual and a legal entity will have to choose a taxation regime. It will be optimal. When registering, you must select the OKVED code 72.60. There is no need to license the activity.

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

And in conclusion - the most pleasant: calculation of future income

The expenditure part of the business plan for the installation of payment terminals is as follows:

purchase of a device with software settings - from 70 thousand rubles;
rent - from 3 thousand rubles per month;
payment for the Internet - from 600 rubles / month;
maintenance and collection of the terminal, expendable materials- from 6 thousand rubles / month;
deposit - from 25 thousand rubles.

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

Payment terminals have firmly entered life modern people. They can be found in educational institutions, shopping centers, on the street, that is, in all passing places. Many businessmen earn good money on such devices. In this article, we will consider the owners' feedback on payment terminals as a business and see how profitable this line of business is for start-up entrepreneurs.

What are payment devices for?

These machines are designed to accept various payments.

With them, you can pay for:

Cellular communication;
Cable TV;
Utilities:
Internet and more.

Such a device works independently, without the participation of an operator. The payment device consists of the following elements:

Modem that accepts payments;
bill acceptor;
Screen;
Printer for printing receipts.

With this device, the subscriber can quickly pay bills anywhere in the city.

Buy or rent?

You can organize a business on your own payment terminal different ways. For example, the owner of a chain of stores can install such devices in each outlet. The new service will attract customers, thereby increasing sales. In addition, he will be able to receive additional income from payments. Since the device will be located on its own area, you will not have to pay rent for its installation. Collection and maintenance of payment terminals can be performed by a senior seller or store administrator.

If you are interested in a payment terminal as a business, in order for it to bring a decent income, you need to create a whole system of instant payments. Experts believe that for a successful start, at least 10 devices should be purchased. Entrepreneurs who do not have on hand a large start-up capital for the purchase of equipment can rent the devices. Over time, when the business begins to bring good profits, you can purchase equipment as a property.

Registration

Before you install a payment terminal, you must officially register your activities. First of all, you need to open an LLC in order to be able to conclude agreements with operators of vending payment systems. In addition, you must register with tax office so that in the future there will be no problems from the regulatory authorities.

Business features

Let's see how the business with payment terminals works. Its success is guaranteed different factors. First of all, it's competition. In addition, the location of the equipment plays an important role in this matter. It is also worth noting another factor such as wear and tear. If you install the machine in passing place, for example, in a shopping center, it will be used more often. Accordingly, the device will fail faster.

The next factor is the average check. For example, you have chosen a place with high traffic, but here the device is used mainly to make payments for an apartment. Since the interest on the rent is too low, you will make a small profit. On the other hand, on the minimum payments in some educational institution you can get 30-40% of the income.

If you cannot decide where to install the payment terminal, ready business will be the most the best option to start. In this case, you will receive installed in good location and a fully ready-to-work payment terminal.

We offer step-by-step instructions for those who are interested in how to start a business on payment terminals:

Find an equipment supplier and order devices from him. Experienced entrepreneurs who have been working in this area for a long time recommend buying used equipment from hand at the start. Thanks to this, you can save a lot and open more outlets. Before purchasing equipment, read consumer reviews of specific models. Thanks to this, you can avoid problems in the future;
Choice of location. In order for your business to generate a good income, you need to choose the right place for installing equipment. In this case, you should be guided by patency. How more people passes near, the better;
Installation and setup. After you choose a place and conclude a lease agreement, you can install the equipment. You can do this work yourself, following the instructions, or seek help from professionals.

Scheme of the payment terminal

Financial part

When compiling a business plan for payment terminals, you must first calculate all the costs. First of all, it's rent. The amount of monthly payments largely depends on the ability to negotiate with the owners of the premises, as well as on individual approach. If you can convince the management of a mall or hypermarket that installing a payment device will help them attract more customers, they will offer you a minimum rent. In addition, you need to find out how much the payment terminal costs and which payment system you will connect it to.

Initial costs:

Purchase and connection of equipment - 2.4-9 thousand dollars;
Monthly expenses:
Renting a place for the device - 4-8 thousand rubles;
Internet fee - 600-900 rubles;
Deductions to the bank - 0.1–0.15% of turnover;
Maintenance - 4 thousand rubles;
Collection - 2 thousand rubles;
income tax.

Now let's try to determine how much profit the payment terminal brings:

Remuneration from the service provider - 1-3%;
The fee for using the device, which is charged to customers - 3-5%.

One machine accepts about 150 payments per day. The average check is 150 rubles. In this case, the monthly income is approximately 30 thousand rubles per month. If you subtract maintenance costs, you will receive a net profit of approximately 18 thousand rubles. With average returns, your initial investment will pay off in about 5-6 months. In places with high traffic, the payback period is significantly reduced.

They bring good income. They can be installed next to payment terminals to generate additional income.

Pay special attention to the following points:

Part of the profit should be invested in the purchase and installation of new equipment;
Look for new partners. In this case, success largely depends on the chosen payment system. If it does not attract new partners, look for a more successful operator;
Constantly monitor the patency of points where payment devices are installed. Many entrepreneurs suffer losses because they chose the wrong place to install equipment. If you see that the device is not making a profit, move it to another, more crowded place;
Constantly improve the quality of service. Thanks to this, you can increase the profitability of the enterprise.

conclusions

Now you know how to make money on payment terminals. This is quite an attractive and promising source of income. It is perfect for those who are interested

Modern payment terminals as a business have a high payback due to the huge payment market. In order to pay for the use of television, telephone (mobile and landline), Internet, as well as to carry out communal payments, you no longer have to stand in long queues for hours, but just use the payment terminal. They are found almost everywhere, and in Moscow in one supermarket you can count up to 20 different devices. A payment terminal as a business is a very profitable undertaking. The main thing is to find your target audience. A well-chosen location of such terminals is one of the main conditions for success, and the profit can be from 1 thousand dollars per month.

General information: how to build a successful terminal business

The most crowded places are traditionally considered:

stations;
shopping centers;
airports;
supermarkets;
Universities.

It is possible to place terminals not only indoors, but also near it. Such devices are more expensive, but they are able to withstand frost, heat, hail and rain. Terminals have different functionality, some only carry out payment transactions, while others are also able to print photos and sell mobile content (music, video, games, applications).

Important! If the choice fell on multi-purpose terminals, then you need to purchase only high-quality, and therefore expensive equipment. Since the more functions the device can perform, the lower its reliability and speed.

The terminal as a business has a big plus - mobility. This means that if the location was initially chosen unsuccessfully, then the terminal can easily be moved to a more profitable point.

Step-by-step instructions: how to arrange everything

Right now, you are offered a lengthy answer to the question: how to start a business with terminals. So, the order of organizing such a case:

registration of individual entrepreneurship (creation of an individual or legal entity);
purchase of a payment terminal - the type depends on the installation location and its operational capabilities;
choice of payment system and connection to it;
opening a special account - on the basis of a written agreement with one of the payment systems, a special account is opened in any bank, from which an amount equal to the money deposited in the terminal will be debited (it is replenished with the collected cash in the terminal);
fiscalization of a receipt printer - it is necessary to dismantle the printer from the terminal and take it to a technical service center cash registers where the printer will be connected and sealed. It then needs to be taxed. Only after these procedures will the printer be considered fiscal and suitable for legal work.

Why terminals are worth doing

Payment terminals how to start a business idea is very attractive, because even with a cursory assessment of it, the advantages are obvious:

round the clock work;
the minimum number of service personnel - 1 specialist is able to serve up to 30 cars;
guaranteed profit;
relatively fast payback - from 3 months;
remote control - viewing the balance and related information is carried out via the Internet;
high quality of workmanship - any manufacturer gives a 1-year warranty for the cheapest terminals, more expensive copies are under warranty for 3 years.

Profit

Depending on the installation location, one payment terminal as a business brings from 1 to 3 thousand dollars per month, which is 4-8% of the total amount of funds received. That is, the return on invested funds (investments) is 15%: from 100 thousand accepted money, the profit will be 15 thousand per month.

Consider real case: Syzran is an almost empty niche in this area, and there are very few payment terminals there. One entrepreneur put a payment terminal near the largest shopping center so that the period of using the device was not limited by the time of the shopping center. Ten months later, the turnover is 150 thousand rubles a day. A 6 percent commission was set on each payment, so the daily income is up to 9 thousand rubles on average.

Advice! If payment terminals as a business are installed in already “occupied” buildings / premises, then it is desirable to set a commission for cash payments made at least 0.5% lower than that of competitors. Then the growth of customers is guaranteed.

To calculate the average monthly earnings from one terminal, you can use the following table:

Number of payments per day (pcs.)	50	70	90	120	150	250
Income per day, rub.	500	700	900	1200	1500	2500
Income per month, rub.	15000	20000	27000	32000	45000	80000

Installation site requirements

The terminal as a business can be installed on a flat area of just 1 sq.m. Second required condition– connection to the AC mains (220 V). The built-in GPRS modem allows not only to make payments instantly, but also to track the location of the terminal, so if they try to “borrow” it, the owner will immediately know about it. As you can see, this type of business is quite safe and with adequate investments, which will be returned after 4 months.

Now it is unlikely that anyone will call this business part of the innovations that are constantly being talked about by novice ambitious businessmen, and those who still see themselves in this light in the future. Already not in large cities, they have become commonplace for a long time. Nevertheless, it is curious to read online reviews that are now being written about this business by the owners of payment terminals. You can find it on forums dedicated to various types business, in communities in VK.

Feedback from terminal owners

The review is written by a resident of the city of Novosibirsk.

Feedback about important points writes a native of the city of Yekaterinburg

It is of great importance with which payment system you will cooperate, because the list of service providers will depend on this. large systems that work for a long time, they have the largest set, and the speed of payments is high. There is phone support, which is indicated on the receipt. In case of delays or any other problems, a person can call and resolve issues. It often happens that the tape ends and the check simply does not come out. After such a final problem, you can be sure that a person will never put money in such a machine again.

A resident of the Moscow region talks about the costs and income of the payment terminal

It should be noted that there is little optimism in the reviews. We continue with the opinion of a resident of the city of Rostov-on-Don, a user from a group in social network in contact with.

You need to understand that this business can theoretically pay off in half a year, if you have access to a place for a terminal with sufficient traffic. Here it will be important not only the quantity, but also what kind of contingent. Who has such a place? So, you can be sure that you won't get it for that kind of money to recoup the terminal in at least a year. And this means that either the budget initially needs to be reviewed along with the profitability plan, or to have some kind of administrative resource.

After reading most of the feedback from the owners of the terminals, we can conclude that the business is still relevant, but it no longer has such attractive terms in terms of its payback.

Write your reviews.

Other people's opinions

It's hard to run a business like this. In order to have good turnover and profit, you need to install Not just one such terminal, but many at once. Moreover, it must be borne in mind that they are sometimes subject to repair. Which means you need to hire repairmen. All the nuances that are described in this topic suggest that a firm that will work as a legal organization, and not as a private entrepreneur, and have enough funds to start working to make all the necessary investments, will cope better with these businesses.

In any case, most of my acquaintances increasingly prefer to use payment terminals, rather than stand in long lines to pay a loan or a communal apartment. It's convenient and fast. Now almost every store has one. The only thing is that pensioners will not be able to become regular customers due to their age.

Ekaterina V

Ekaterina V, That there is no problem in this. They are simply afraid of them, like all people of what they do not understand. You just need to show how it works once or several times and they all understand perfectly. My grandfather at 80 sat down to master the computer and he succeeds.

Quite a solid business idea, but still there is a lot of competition. As a result, the demand is very high. I think it is quite possible to find places where these terminals are not available in order to install your own and make good money on them.

To install such a terminal, you need to have very good friends or a good investment. I thought about this business. But, I couldn't find a place to put it. And it is best to install such terminals at airports, train stations, shopping centers, and markets. It is also possible to place in sleeping areas, but there will not be a large income.

Practice shows that the optimal number of payment terminals that will bring the greatest benefit is 4-5. This is due to the fact that such a number of machines can be serviced by one technician so that there are no downtimes for several machines at once in the event of a failure in the operation of one.

Machine guns should be placed as closely as possible in relation to each other, but at the same time, you should not sacrifice a "passable place" if it is possible to put a machine gun there, but it will be somewhat distant from the rest.

The costs of purchasing and installing in the presence of 4-5 machines are beaten off during the first six months. It is impossible to predict the net profit, and very often it depends tritely on the city where the machine is installed. For example, in Klin it is 50-60 thousand per month, in Mytishchi - up to 80 thousand, and in Zaraysk - 35-40 thousand per month.

Currently, this business is no longer so relevant. Firstly, there is too much competition, now even in small towns such terminals are on every corner. Secondly, Internet banks are gaining great popularity, in which all the functionality of the terminal is present, while everything is done without leaving home. So I wouldn't recommend doing it.

Dimcha.k, nothing of the kind, if a rather large layer of people of middle and older ages have mastered the use of terminals, then one should not expect the same success in Internet banking! He is unfamiliar to the vast majority of those "who are for ...". This idea was also confirmed by a friend who owns three payment terminals: according to him, the number of transactions performed has remained approximately the same as 2-3 years ago, only the average payment amounts have slightly decreased, by about 10-20 rubles.

somewhere here there was already a similar topic and there I wrote that this business would no longer be profitable. There are several reasons. The first is that in every city there are a bunch of such terminals on every corner, so the competition is quite high. The second reason is that now any service can be paid for at home via the Internet (via an Internet bank or payment system), and it's much more convenient and faster than using the terminal.

A very costly business, and it seems to me now it is difficult to fit in so as to quickly recoup it.

It is difficult to imagine the life of modern people without terminals. Today, for many, this is a reliable and convenient device that helps you quickly pay the necessary bills, transfer money, and top up your phone balance. There are no queues, and the algorithm of work is quite simple. In this regard, business on payment terminals is quite advantageous view private earnings.

step by step plan earnings on payment terminals
What equipment to choose and how much does maintenance cost?
How to expand the terminal business?
How much can you earn
How much money do you need to start a business
Which OKVED to indicate during registration
What documents are needed
Which taxation system to choose for registration
Do I need permission to open
Payment terminal technology

To get a stable monetary benefit, you only need to purchase a terminal and place it in a public place. A commission is charged from each payment made, which will amount to your revenue. Next, we will find out how to still make money on payment terminals and what equipment is required to open this type of business.

Step-by-step plan of earning on payment terminals

As a rule, in order to make money on payments, you should perform several standard manipulations:

Buy necessary equipment. Which one, we will consider a little later.
Register as entity(IP, JSC).
Choose a suitable place (a very important point, since the amount of your earnings directly depends on the choice of place). It could be a supermarket or shopping center, universities and colleges, entertainment centers, cinemas, train stations, etc. In general, you should choose a location where the terminal is easy to see and use. The payment terminal will not take up more than 1 sq. meter, but still this site must be rented from the one who owns it.
Choose a payment system and agree on further cooperation. Sign the contract and open an account. It is worth remembering that the payment system you have chosen is an intermediary between you and the companies to which cash. The range of services offered by your terminal depends entirely on the number of partners with which the payment system works. You do not have to do the work yourself, such as concluding many contracts with operators.

What equipment to choose and how much does maintenance cost?

Before you earn, you will have to pay the rent of the platform for your device. average cost monthly rent varies between 10-15 thousand rubles. depending on where it is installed. It is important to estimate your income per month so that it covers the cost of rent.

by the most great investment is, in fact, the purchase of the payment terminal itself. It will cost $3,000 (±$200). The price directly depends on the parameters of the device. For example, street terminals will cost more, as they are equipped with an anti-vandal coating.

Insurance monthly will cost 4500 rubles. at the cost of the device itself 120 thousand rubles. and its filling in 50-60 thousand rubles. Next, you can’t forget about the monthly payment for the Internet and replenishment of the account (the amount of payment depends on the number of payment points for one individual entrepreneur), otherwise you won’t be able to earn money. Need customer support.

The machine itself also needs maintenance, so be prepared for expenses such as: cleaning the bill acceptor, updating the receipt tape, etc. repair work. The most important operation in servicing the terminal is cash collection once every 3-4 days. Such service costs 4000-5000 rubles per month.

How to expand the terminal business?

Here are some basic tricks that will allow you to expand your business and earn money by increasing financial flows. Main ways:

Increasing the number of payment acceptance points or renting several terminals at points with high traffic;
Expansion of the circle of cooperation with companies in favor of which the payment is made;
Tracking the passability of a place with your terminal. The most common cause failure in this kind of business is a poor choice of location. Therefore, if there are fewer and fewer people, it is better to move your payment terminals or rent them to others.
Improving the quality of service, which is not directly related to business expansion, but is an important component in the strategy for the development and prosperity of any business.

Opening a private business on payment terminals is not so difficult: it will take you only about 2 months to open it. High rates of income will provide a quick payback. Of course, you can avoid all the above costs and rent a device. But in this case, the amount of income will depend on the desires of the owner to change the location of the terminal or the payment system. If you yourself decide to take everything into your own hands, then you can earn very quickly and recoup your investment. We wish you good luck in business!

How much can you earn

The main income of the entrepreneur is the commission for the implementation of payment transactions, it is 3% -5% of the payments made. Quite often, payment systems also assign additional bonuses. The profitability of one terminal is 30,000-60,000 rubles. per month. At successful work terminal, its payback comes in 6 months.

How much money do you need to start a business

The costs include:

renting a place for a terminal, its cost depends on the location of the terminal and the region;
purchase of the terminal itself and equipment, its cost is from 100,000 rubles. up to 250,000 rubles;
payment to the payment system for the services provided;
payment of commission to the bank for withdrawing money;
payment for electricity;
for GPS connection;
payment of taxes.

Which OKVED to indicate during registration

OKVED 66.19 - other auxiliary activities in the field of financial services, except for insurance and pensions.

What documents are needed

To get started, you need to register as individual entrepreneur(IP). Documents are submitted to the Federal Tax Service at the place of residence. The list of documents includes: passport, identification code and application of the entrepreneur. After receiving the certificate, you must register with pension fund and the Social and Health Insurance Fund.

Which taxation system to choose for registration

Do I need permission to open

This type of activity does not require licenses and special permits.

Payment terminal technology

With the help of a payment terminal, you can quickly pay utility bills, transfer money or top up your phone. To get a steady income, you need to purchase a terminal and place it in crowded places. A commission is charged from each payment, which is the income of the entrepreneur.

Choosing a profitable location will provide a stable income for your business. After that, it is necessary to conclude a lease agreement. Then you need to choose a payment system, conclude an agreement. By choosing a payment system, you get a huge number of new partners with whom this system works.

To increase the profitability of your business you need:

increase the number of terminals;
expand the list of companies to which the payment is sent;
track the number of visitors. If the flow decreases, you need to change the location of your terminal.

Opening a business on payment terminals is not so difficult, it will take about 2 months. But if you approach this business wisely, success will be ensured, and you will have a constant stable income.