Installation and configuration of the POS-terminal. Acquiring: tariffs of banks. Payments with plastic cards
Convenience cashless payments Bank cards have become so firmly established in our lives that we began to slowly forget what the sound of coins and the rustle of banknotes in a wallet are. You can pay with a card for almost everything and everywhere. But this would not be possible if the point of sale was not equipped with a specialized payment device, the so-called POS terminal. Such a terminal performs the functions of an interface (division between different objects) between the buyer and the store, and allows you to pay for the goods using a "piece of plastic" - our card. At the same time, many operations are performed that an ordinary buyer does not even think about - everything is transparent for him: he inserted a card, entered a pin code (if required) and saw on the screen of the device: “Approved”. In the article, we will lift the veil of ignorance and tell everyone who is interested in a simple and understandable language: what kind of device is this and how does it work?
POS terminal. What it is?
The abbreviation POS (short for English "Point Of Sale") in literal translation means "point of sale". Accordingly, a POS terminal is a device that performs a number of functions for successful functioning outlet(for example, accounting and selling goods). Let's get straight to the point. Often, a POS-terminal means a device for accepting bank payment cards for payment - the same one where we insert (swipe or lean) a card and enter a pin code. Actually, such a device will be discussed in our article.
In more broad sense, POS-terminal is a software and hardware complex that allows you to carry out all the necessary trading operations. Such a complex may consist of a monitor, a computer system block, receipt printer, card reader (card reader) and pin pad (separate keyboard for entering a pin code), customer display, keyboard, barcode scanner, cash drawer, etc. You can see all this at the workplace of the cashier of any large chain store, and you can safely attribute the prefix “POS-” to each of the equipment listed above. Such a terminal can be compared with an improved cash register, since the cashier can not only “break through” the goods for you at the price indicated on its price tag and issue a check (go to any kiosk - they still work there in the old fashioned way), but also do a lot of other operations.
For example, in large chain stores (Spar, Auchan, Magnit, etc.), the cashier reads the price of the goods by its barcode, and if the code is not readable, then the price of the goods in the database is immediately searched for by the letter code. You have expressed a desire to pay by card - please. You have a bonus card - very good. The cashier will swipe her on the card reader and you will immediately receive a discount or cumulative bonuses. You forgot to take the package and decided to pay for it with small change in your pocket - no problem, the cashier will open the cash drawer and give you change if the coin is too large. And, finally, you decide to abandon one commodity item - also not a problem. You will be refunded in cash, or they will come to your card after a while. All completed operations are assigned a time stamp, after which a corresponding entry is made in the database.
All of the above is the result of the work of a modern POS terminal, and the organization of payment by card is only a special case of its work. But in some cases, when in a small store it is necessary to organize the possibility of paying customers by bank cards, they do not use whole complex POS equipment (this is not a cheap pleasure) connected to each other, but a separate independent payment terminal, which was discussed at the beginning of the article. It usually has a built-in printing device, and it can be equipped with a remote keyboard. The principle of its operation when paying by card is the same as that of the terminal at the “point of sale” in a broader sense. We will talk about this further.
POS terminal device
A few words about what a bank card payment terminal is.
It includes:
- a small display (usually with a liquid crystal screen);
- built-in reading system (for cards with a magnetic stripe and with a chip (smart cards));
- keyboard for entering numerical data (entering a pin code and various service settings);
- processor and RAM (the device is a full-fledged mini-computer and operates on the basis of operating system);
- GPRS modem for data exchange via cellular communication (optional);
- ports for connecting to the network and cash register (Ethernet, RS-232, etc.);
- device for printing checks (optional);
- battery (optional).
The card payment device can be an independent POS terminal or be integral part the complex that makes up the POS-terminal (in the broad sense). In the first case, the terminal can perform the functions of a cash register, which is cheaper and optimal solution for a small shop. Such a device should be without fail included in State Register KKM ( cash registers). The payment terminal must be certified by international payment systems (Visa, MasterCard, our domestic MIR, etc.) for compliance with modern security requirements when carrying out transactions with bank cards.
By itself, a payment card terminal will be a useless thing if it is not connected to acquiring or, as they also call it, processing. is a banking service that allows merchants to accept cards for payment. As a result, funds from the bank card (more precisely, from the card account) of the buyer must be transferred to the seller's account. It is this process that is organized by the acquiring bank (and not only it alone), and the terminal itself is only a link in the chain of processes that make up a bank card transaction.
Usually, an agreement is first concluded with an acquiring bank providing such services. He can also provide equipment (terminals) on a rental basis for payment by cards. Sometimes a store can buy a POS-terminal along with an acquiring agreement with a bank whose service conditions are the most favorable for it. For information, each acquiring bank offers its own connection conditions, in particular, it takes a commission from each card transaction, which can be fixed or “floating”. The commission depends on the turnover of the outlet (trading network) and can range from 1.5% to 4% of the purchase amount.
Principle of operation
Let's take a look at how card payments are made using the POS terminal we are describing.
1. The buyer notifies the cashier of his desire to pay with a card for purchases. At the same time, it makes sense to pay attention to the card of which payment system you can pay in the store. This will be told to you by the logos of international payment systems (IPS), pasted in a conspicuous place near the cash desk. As a rule, any outlets accept Visa and MasterCard cards, as well as some other MPS, which are not very common in our country.
To pay for purchases, it is enough to have the necessary amount on the card account (or credit limit on a credit card), otherwise the terminal will give an error. At large sums You may have to show your passport to make a debit - for security reasons.
2. The cashier enters the amount of the purchase on the computer or on the terminal itself and offers you to insert the card into the POS-terminal.
3. The customer (or cashier) inserts the card into the chip card reader. If there is a magnetic strip on the plastic, then the card is “rolled” in the corresponding reader, and if the card and terminal support, then the plastic is applied to the screen (payment up to 1000 rubles without a PIN code). The data is read from the chip/magnetic stripe. If necessary, you will be asked to enter a PIN code. It depends on the priority of signing/PIN entry on the card itself, set by the bank or by the holder himself, and on the terminal settings. Some retail chains, when the purchase amount is below a certain limit, refuse to enter a PIN code in order to reduce the customer service time, but at the expense of security.
4. Data from the card and the amount of the purchase are transmitted by the terminal to the processing center of the acquiring bank. This is the beginning of a banking transaction that will go through several "instances" and get to the bank that issued your card, which must give permission for the purchase. That is, the authorization procedure must be completed.
5. Further, the transaction from the acquiring bank is sent to the data processing center (DPC) of the Ministry of Railways, where the card will be checked for the presence / absence in the stop list, and in case of a positive result of the check, it will be sent to the processing center of the issuing bank. If everything is in order with your card account (it has a sufficient limit) and the card has passed additional checks for legality, then your bank gives the go-ahead, which is expressed in the assignment of an authorization code for the operation being performed (i.e., the authorization procedure was successful).
- “Rejected” means that the requested amount is not confirmed by the issuing bank. One of the reasons is the lack necessary funds on the account, but you can find out the exact reason for the refusal by contacting your bank. In this case, try to pay with another card, if available.
- “Seizure” or “Seize - Fraud” - this may mean the use of the card by a fraudster (for example, it was claimed that the card was stolen), or the card, in the opinion of the bank, .
- “Request to the bank” means that it was required to carry out additional authorization of the client by phone. The bank may request Additional information about the cardholder, for example: passport number, bank name, address, code word, etc. The bank may not confirm the requested amount, i.e. "rejection" is possible.
6. The issuer transmits the data in the reverse order: first, the MPS data center, then to the acquirer, and, finally, the transaction ends with the transfer of information from the acquiring bank to the POS-terminal of the point of sale, which prints out 2 checks with all the details of the transaction: the purchase amount, authorization code and other service information. One of them will remain at the checkout, the second will be received by the buyer.
7. The POS-terminal finally sends a response to the processing center about the success of the payment operation.
For the buyer, the presence of a check indicates the fact of payment, and he leaves the store with a purchase. In fact, the money will not come to the store's account instantly. First, they will be transferred from the account of the acquiring bank (not from your card account!), and after a few days, or even a week later (up to 30 days, in accordance with the current legislation of the Russian Federation and the rules of the Ministry of Railways) they will be transferred to the account of the acquirer from the account of your cards at the issuing bank. The corresponding amount on your card will be temporarily blocked. For more detailed information about bank transaction we refer you to .
Device types
By the nature of the execution, there are 2 types of terminals:
- Monoblock, which can perform all the necessary functions for paying by card, as well as a number of other functions;
- Modular, consisting of a system unit with the ability to select various I / O devices, depending on the needs of the store. This is the terminal "in the broadest sense", which can perform any function, not just payment by bank cards.
POS-terminals are also subdivided depending on the type of bank acquiring.
In "trade" acquiring, when the direct contact of the cashier with the buyer at the time of payment is implied (in any trade and service enterprises: shops, cafes, hairdressers, etc.), commercial monoblock or modular pos terminals. It is about such devices that we talked about in the article. They can be stationary or portable.
In "mobile" acquiring, used for card payments on the road (couriers, taxi drivers, masters, etc.), so-called mobile POS payment terminals (mPOS) are used. They are a card reader connected to a smartphone with using WI-FI or Bluetooth, and are controlled using a special mobile application installed on the phone. Such devices allow you to pay with any bank card, and all processing of transactions is carried out by any bank. For example, in the www.pay-me.ru service, payments are processed by Alfa-Bank. Such a budget solution is suitable for small shops and enterprises that are not yet ripe for the purchase of more expensive POS equipment.
In Internet acquiring (aka virtual acquiring), when all card transactions are performed remotely on the website of an online store, the so-called virtual payment terminals, which are a specially designed web interface that allows you to make payments on the network and pay for various services. This is a common program that runs on the server of an online store and performs the same functions as the terminals discussed above.
In addition, we note that payment terminals can use various communication channels for remote connection: dedicated (wired) Ethernet, mobile GPRS communication, ADSL, etc. Usually, the faster and more stable the connection, the more expensive it is to connect and operate.
The use of payment cards and POS-terminals relieves us of the problems associated with the circulation of cash. You no longer need to take care of the constant presence of money in your wallet, if it is on the card, and recalculate the change. And the cashier’s common phrase “give without change” may soon be a thing of the past. And it’s more profitable for the enterprises themselves to accept non-cash payments so as not to once again collect the proceeds to the bank (and it’s beneficial for the tax authorities - all operations are in full view). Therefore, a POS terminal is a device that is undoubtedly in demand and useful. Provided that at least the minimum security measures are observed, of course ...
With the advent of plastic payment cards, the turnover of cash not only in Russia, but throughout the world began to decrease sharply. Now buyers prefer to pay by bank transfer. For this reason, it would be quite reasonable for store owners to decide to install a card terminal.
In the event that the revenue of your store is at least 60 million rubles a year, this condition is mandatory. Failure to do so will result in a fine being imposed on the store owner.
POS terminal: what is it and how does it work
POS terminal point of sale - point of sale) is an equipment with which funds are debited from the buyer's account in favor of the seller. The device communicates with the buyer, approving or disallowing withdrawals.
If the store has several cash registers, then the terminals can correspond to their number. At the same time, the equipment itself can be both stationary and mobile (for example, for waiters, couriers, etc.). Communication is established via the Internet.
Purchase, installation, configuration
In order to equip your enterprise with a card terminal, you need to go to the bank and conclude an acquiring agreement, after which an additional one will be opened for the organization, to which funds received through the terminal will be received.
The purchase and installation of terminal equipment requires the following documents for individuals:
- passport and its photocopy
- notification received at the statistical office
- USRIP extract valid at the time of submission of documents (within 1 month)
- certified (with a blue seal and signature) copy of the certificate of registration of an individual entrepreneur and TIN
- certified copy of the license to carry out trading activities(if the product category is on the list required for licensing)
- information on account
For legal entities:
- extract from the Unified State Register of Legal Entities valid at the time of submission of documents
- notification from the statistical office
- certified copies of the following documents: the charter of the enterprise, the passport of the director and the order on his approval, certificate of registration of a legal entity and that its activities are subject to taxation, information on the account
The equipment can be rented from the same bank, while the conditions for its purchase and operation will be specified in the contract. Also, the terminal can be bought, which will be reflected in the accounting reports on expenses. The organization that issued it will be responsible for setting up and maintaining the equipment.
Benefits of using the terminal
The acquiring service (acceptance of payment for goods by bank card) is a great advantage over those stores that do not have such a function:
Imagine a situation where a client is ready to make a major purchase, but you do not have terminal equipment. What are the chances that he will not change his mind on the way to the ATM and back.
How much does a payment terminal cost
Usually, the clause on renting terminal equipment from the bank does not entail additional costs, since they are already included in the commission fee. However, in the event that the monthly turnover of non-cash money does not exceed a certain limit (it is individual for each bank), then using the terminal can cost the entrepreneur from 500 r. up to 3 thousand rubles per month.
Where are the best acquiring conditions
There are several factors that can influence the decision when choosing an acquirer:
- Commission. It looks like deductions in favor of the bank. Each financial institution has a different percentage charged for the service. In addition, always pay attention to the "fine print" - the contract may state that the size of the commission fee may increase
- Work with different types kart. Great importance has cooperation of the bank with various payment systems (Visa, MasterCard, etc.). Of course, it is better to use the multifunctional option.
- Terms of the operation. Average duration- from one to three days. But there are also banks that make payments within a week.
One of the most important points is the level of service. This includes:
- training of personnel to work on terminal equipment (not only directly with the device, but also reporting, etc.)
- a bonus system that works for the buyer if he purchases goods in a particular store, which is an additional reason to attract customers
- information control, which involves the provision by the bank of an extract on the transactions performed, notification of failures in the system, possible episodes of fraud, etc.
- maintenance - perhaps the main service that is provided to the store in case of equipment breakdown (it is desirable that this be done around the clock and on demand)
How POS equipment works
- insert the card into the terminal (if there is no chip, then you need to swipe the magnetic strip in a special compartment or simply attach the plastic to the screen if the card has the ability to contactless payment)
- enter the right amount, approve
- when requested, the buyer enters a PIN code, approves
- the terminal issues the result of the actions performed (approved, insufficient funds, etc.) and prints two checks: for the client and for the bank. If the transaction was successful without entering a PIN code, then the client must sign the bank check
Terms of write-off and receipt Money may vary from three days depending on the servicing banks. In the event that the seller has evidence that the buyer is not the owner of the card, then he has the right to withdraw the payment instrument and call law enforcement to clarify the circumstances.
You will need
- - register LLC or IP;
- - find the location of the terminal;
- - conclude the necessary agreements;
- - purchase terminals.
Instruction
If you decide to engage in this type of activity, first of all register entity or IP. Then open a bank account.
Remember that the location of the payment terminal plays a decisive role in business development. Therefore, carefully study the intended installation locations of the device. Consider shopping and entertainment malls, business centers, hypermarkets, etc. Keep in mind that the passability of the point must be at least 1000 people per day. Pay Special attention for electricity and security. If a payment terminal will not be guarded, it can be damaged and looted.
When organizational issues are resolved, select an organization that manufactures, sells, installs and maintains payment terminals. By signing an agreement with such a company, you will save yourself from unnecessary problems. If you are going to limit yourself to one terminal, you will not need employees. If you plan to develop a network of payment devices, keep in mind that you will need an operator. In addition, collectors will be needed. Sign a contract with a security agency.
Study the working conditions of payment systems - E-port, E-pay, etc. and conclude a contract with one of them.
Keep in mind that the cost of new payment terminals is about 60,000-65,000 rubles for those installed indoors, and about 80,000-85,000 rubles for street ones. Some novice businessmen prefer devices that have been in use for some time. As a rule, they cost 40-50% cheaper than new ones, it all depends on the condition of a particular terminal. Therefore, before you buy a particular device, compare prices and talk to experts. Perhaps it makes sense to pay attention to used devices and save some money.
Income from payment terminals ranges from 2-3 to 8-10% of the total amount of payments, and the minimum turnover of one point with an average traffic is from 7,000 to 9,000 rubles per day. If the device is located in passing place, you can count on an income of 90,000-100,000 rubles per month.
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Starting your own profitable business is not so easy, so those who still decide to do it have to go through a lot of business options before choosing something for themselves. Almost every business requires huge investments of money, time, effort and nerves. That is why setting your own payment terminals in retail outlets is now so popular - with minimal installation costs terminals you can get a quick payback.
Instruction
So, you have decided to install your own payment terminal, and possibly several at once. First you need to decide where exactly you will install them. Your payment terminal is now available almost everywhere, even in tiny shops at bus stops public transport, and there is nothing to say about large shopping and business centers. Therefore, you will need to spend a lot of time searching for an area for your terminal. However, points where billing terminals not yet, they still exist. But remember that the patency at these points may not be too great. In any case, study the market carefully.
After you have found a place for installation and have concluded an agreement with a retail outlet or office where the terminal will be installed (you will have to pay for renting a place in this room), you can install the terminal. But where can you get it? Usually installation information terminals can be found directly at the terminals themselves. Choose the terminal that suits you best. They differ not only appearance and display interface, but also functionality. Terminals may vary. the maximum number inserted banknotes, receipt printers, payment systems, etc. Varies, respectively, and the price of similar terminals.
Payment terminals (payment terminals) are installed in a small area. As a rule, 1 sq.m. With the help of terminals, services of housing and communal services, the Internet, mobile operators, etc. are paid. This business is very important. However, before starting it, it is necessary to draw up a business plan and provide for all costs. After that, you can expect a solid profit.
You will need
- - register LLC or IP;
- - find the location of the terminal;
- - conclude the necessary agreements;
- - purchase terminals.
Instruction
Instruction
Enterprises and organizations of small businesses in the modern banking market can be compared with larger corporate clients in terms of the level of requests for services and technologies. One of the most demanded services is the equipment of outlets and service delivery points with POS-terminals. Providing bank acquiring opens up additional business opportunities and has a lot of positive sides. It is worth talking in more detail about how to put a terminal for paying by card in the store. You need to start by considering what a POS terminal is.
POS terminal: how it works
Bank acquiring is necessary mainly for settlement and cash transactions. The main ones are the following:
- payments made to counterparties and tax authorities;
- collection of cash;
- administration of account balances.
This list is not complete, as the range of cash management services includes many transactions. The use of non-cash payment terminals is included in the list of these services, as money is debited from the buyer's bank card to the seller's account. Cashless payments using plastic cards have practically replaced cash payments.
The presence of a specialized terminal at the point of sale is an essential requirement modern life. Without such a device, called a POS-terminal, it is simply impossible to quickly carry out cashless payments.
Points equipped with POS-terminals are usually labeled with stickers with the logos of those payment systems through which cashless payments are made. In the store, the terminals are located at the checkout, and at the service enterprises - at the personnel responsible for the settlements. The procedure for transferring funds consists of several stages:
- The buyer, after calculating the purchase amount, informs about the desire to pay with a bank card.
- The person responsible for making payments (cashier or seller) accepts the card from the client and inserts it into the POS-terminal receiver or asks the buyer to do it himself.
- After the card is recognized by the terminal, a prompt appears on its screen asking you to enter a PIN code.
- The client enters a secret password, and if it matches, the card data is sent to the processing center.
- The payment system checks the amount of the balance on the client's account and transfers the purchase amount from the card to the account of the acquiring bank.
- A payment receipt is printed, one copy of which is given to the buyer, and the other remains with the seller.
- The funds for the purchase are transferred to the seller's account from the bank account. In this case, a commission is charged, the amount of which is agreed upon by the agreement between the bank and the seller.
Connecting acquiring in Sberbank
In order to install a Sberbank terminal for paying with a bank card in a store, first of all, you need to contact the representative office of this organization in person, or visit a website that provides a convenient service for concluding an agreement. At the first stage, it is enough to fill out a special application, which will then be considered by the responsible service of Sberbank. After checking the correctness of filling out the document, an employee of the bank contacts the entrepreneur, who clarifies the application data and answers the questions that the potential client has.
After agreeing on a preliminary application, it is necessary to conclude with Sberbank acquiring agreement. The details of the agreement depend on which terminals the entrepreneur is going to use, and which payment systems will be used when making payments.
Also, when concluding an agreement, the number of terminals and the average turnover of the enterprise are taken into account. These data affect the cost of Sberbank services. An entrepreneur can either acquire a POS-terminal as a property or rent it from a bank. Sberbank provides maintenance of non-cash payment terminals on the basis of payment additional conditions into an agreement.
After the conclusion of the acquiring agreement, Sberbank specialists install the POS terminal. In addition to own equipment, installation is carried out software necessary for the correct operation of the terminal. The company also carries out training employees of the enterprise in methods of working with a point of sale. All personnel responsible for the use of the terminal receive memos with brief instructions on the operation of the terminal, and informative stands are placed on the territory of the outlet. For the first time using the terminal, Sberbank allocates a manager who promptly resolves all issues that arise when making cashless payments.
Types of POS terminals
Cashless points of sale are divided into two types: commercial and mobile.
- Trading terminals installed in retail outlets and service organizations. The business owner decides how to install a card payment terminal in a store (from Sberbank, for example) with the creation necessary conditions for the smooth operation of equipment (area, environmental factors).
- Mobile POS terminal Sberbank offers for non-cash payments when paying outside the outlet. It is a card reader equipped with wireless modules, including the standard mobile communications 3g. The seller's representative provides the buyer with an mPOS-terminal for making payment, into which he inserts his plastic card and enters a PIN code. After the funds are debited, a check is issued, and the operation itself is carried out through a special application installed on the seller’s smartphone or tablet by transmitting data via a wireless network.
A Sberbank mobile terminal for individual entrepreneurs requires lower maintenance costs and is much cheaper to install than a trading one. It is ideal for small businesses with low cash flow and for individual entrepreneurs those carrying out traveling activities (delivery trade, home services, delivery of goods from an online store with payment to the courier, etc.).