Raiffeisenbank offered new services in Internet acquiring: acceptance of payments by fingerprint or biometric authentication for purchases in applications on Apple IOS, payment by link service, payment module for the 1C-Bitrix content management system.
All Raiffeisenbank's Internet acquiring customers now have access to the In-App Purchases service, which allows online payments to be made when making purchases in mobile apps using cards linked to Apple Pay. Such transactions are characterized by higher speed and simplicity compared to the standard payment process with bank cards: the buyer pays for the goods with one touch using Face ID or Touch ID without going to additional payment pages.
“Connection of a simple and convenient service that can significantly save customers' time when making a payment will allow businesses to increase payment conversion and attract new customers. The innovative payment technology meets the latest security requirements,” said Alexey Krokhin, Head of Cash Flow Management Products, Raiffeisenbank.
As part of the promotion of Internet acquiring products in the small business segment, Raiffeisenbank implemented integration with the 1C-Bitrix content management system, which offers leading solutions in the web project content management system (CMS) market.
Companies and individual entrepreneurs whose website runs on the 1C-Bitrix system can download the free payment module of Raiffeisenbank in the Marketplace and accept card payments on their website immediately after concluding an agreement with the bank for the Internet acquiring service.
“For Raiffeisenbank, this is a new sales channel for acquiring services, and for our clients, it is a faster and more convenient way to organize the acceptance of bank card payments on the website without additional costs and involving IT specialists. In the future, we plan to integrate with other CMS systems from the top 10 leading solutions on the market in accordance with the wishes of our customers,” said Alexey Krokhin.
As an alternative solution, the Raiffeisenbank team launched a service that makes it possible to generate links from the Personal Account to the bank's payment service with payment details for further sending to the buyer in any convenient way (e-mail, SMS, instant messengers, social networks, etc.). In this case, the company does not need to integrate the website with the bank's payment page. This service can be used by all Raiffeisenbank customers with a valid contract for the provision of Internet acquiring services.
“It was assumed that this solution would be most in demand by small businesses, but we are already receiving many requests for this service from large corporations,” said Alexey Krokhin. “Connecting the pay-by-link service allows them to provide an individual service to their consumers, including VIP clients with non-standard requests.”
In the article, we will analyze the conditions and tariffs for acquiring at Raiffeisenbank. We will tell you how to connect merchant mobile and Internet acquiring through an online application, dwell on the advantages of the bank and the feedback from its customers.
Important! To work with acquiring, you need. This is a standard condition for each bank, an account must be opened where acquiring is connected.
Advantages of acquiring at Raiffeisenbank
The Bank offers to arrange merchant, mobile and Internet acquiring, which provides the following benefits:
- Reducing the cost of storing cash and collection.
- Expansion of payment options for customers, including the possibility of paying with a card of the American Express payment system.
- Increasing sales, profit growth.
- Convenient accounting of operations and daily receipt of a report on all transactions in your personal account.
- Secure settlements with buyers.
Tariffs for acquiring
We have prepared a table with acquiring rates at Raiffeisenbank for individual entrepreneurs and LLCs:
Merchant acquiring
You can conclude a merchant acquiring agreement online, and the courier will deliver the necessary equipment and documents to the location of the outlet.
Features and benefits of acquiring in Raiffeisenbank:
- Free equipment installation.
- Training of personnel to work with terminals.
- Accepting payments from cards of all popular payment systems.
- Opportunity to participate in the discount program of the bank.
Commissions for merchant acquiring operations depend on turnover and may change at the beginning of each month.
Terminals
Raiffeisenbank offers the following types of payment terminals:
- The VeriFone Vx520 POS terminal is a stationary device that works via the Internet and a SIM card.
- The VeriFone VX675 POS terminal is a mobile device for accepting payments anywhere. Provides high speed data transfer.
- POS-terminal VeriFone Vx980 - the device works via Wi-Fi, provides a high speed of transactions.
There are also three types of PIN pads:
- WorldLine (ATOS) PIN-PAD Yomani ML and VeriFone PIN-PAD Vx820 CTLS - used when connected to an organization's cash desk.
- VeriFone PIN-PAD 1000 SE - needed to enter a PIN code when restricting access to equipment.
Internet acquiring
Connection to acquiring is carried out by integrating the payment module into the CMS of your website. Acceptance of payment via the Internet will be available within 4 days after submitting an application to Raiffeisenbank.
Features and benefits of Internet acquiring in a bank:
- The payment module is suitable for all popular CMS.
- Raiffeisenbank has its own processing, which ensures the transfer of money the next day after the transaction.
- Support for the 3D-Secure function - secure payment via the Internet.
- Control of transactions with the help of a personal account.
- 24/7 support from experts on all issues.
Mobile acquiring
Mobile acquiring is a "light" trading option that allows you to accept payments via your phone or tablet using a special mPos terminal and a mobile application. To receive cards, you will need an external data reader that connects to a smartphone on iOS and Android.
Possibilities of mobile acquiring in Raiffeisenbank:
- Acceptance of payment anywhere, which is convenient in the process of going to the client.
- View statistics on all transactions, as well as transaction statuses in your personal account via a tablet or phone.
How to connect acquiring in Raiffeisenbank
Acquiring connection is carried out in several stages:
- Go to the bank's website and fill out an online application.
- Wait for a call from the operator to select the type of acquiring, terminal and clarify the details.
- Upload copies of the required documents to the site.
- Pay the cost of the equipment and coordinate the time of the meeting with the bank representative.
- Sign the agreement upon arrival of the courier.
Acquiring in Raiffeisen is an opportunity to accept bank cards for payment for trade and service enterprises of small businesses and individual entrepreneurs. According to the terms of Raiffeisen, acquiring is provided in several ways, including online resources.
Types of acquiring in Raiffeisen
Acquiring in Raiffeisen is provided in three directions.
Merchant acquiring
Merchant acquiring in Raiffeisen involves the installation of appropriate equipment at the customer's outlets, technological and information support as it is used, as well as staff training (free of charge).
At the same time, tariffs are set depending on the individual conditions of the individual entrepreneur or legal entity:
- Number of points for installing terminals (cash desks);
- customer flow;
- Average check;
- Checkout passability.
Based on these conditions, a tariff is selected: standard, 300+ (with a turnover of over 300 thousand), 700+, 1500+. If the confirmed turnover values are not observed, Raiffeisen has the right to change the tariff. For new customers or those not ready to provide these values, only the standard rate applies.
Mobile acquiring
Mobile acquiring in Raiffeisen has tariffs similar to trading:
- 900 rubles - M-POS connection for accepting card payments;
- 2.7% of the transaction amount - reimbursement.
Mobile acquiring involves connecting to a device (tablet, smartphone) an M-POS client, which acts as a replacement for a conventional terminal. Its advantage is the ability to accept payments everywhere, without being tied to a point of sale or office.
All transactions and statistical data are available to the client in the Personal Account in Raiffeisen.
Acquiring for online settlements
Internet acquiring in Raiffeisen provides for generally similar conditions. Acquiring is also intended for individual entrepreneurs and small businesses that sell online (online store), offer payment for services through the site, etc. Tariffs are assigned individually, after consideration of the application, which indicates the main performance indicators of the company or individual entrepreneur.
Internet acquiring provides several levels of transaction protection, including a secure web server, verification by the payment system and the Raiffeisen processing center, as well as a dedicated DMZ zone protected by Firewal.
Conditions and tariffs for IP
Tariffs for merchant acquiring in Raiffeisen on general terms are expressed by the following parameters:
- Use of terminals: 990 rubles per month;
- Registration of the device in the settlement system: 14.9-29.9 thousand rubles, depending on the type of web connection;
- Registration of one terminal in case of replacement: 5-15 thousand rubles;
- Authorization, processing, acquiring reimbursement: 2.19% of the transaction amount.
Tariffs for other packages provide for a lower cost for registering POS terminals. However, when switching to a regular tariff, due to non-compliance with the terms of the contract, for each unit, you will need to pay an additional 14.4-24.9 thousand rubles. Therefore, when choosing a tariff for acquiring, you need to evaluate your prospects and opportunities.
Conclusion
Acquiring in Raiffeisen allows you to increase the circle of customers, use the latest technologies and simplify the payment system. Acquiring in Raiffeisen assigns tariffs for individual entrepreneurs and organizations in accordance with individual economic performance, as well as in accordance with the selected type of service: merchant, Internet, mobile.
The jointly developed functionality will enable businesses to implement the requirements of Federal Law 54-FZ quickly, with minimal financial and labor costs.
Raiffeisenbank and ATOL announced the development of a joint payment solution for e-commerce merchants. It allows you to make non-cash payments for goods or services via the Internet in full compliance with federal law 54-FZ (“On the use of cash registers ...”).
Thanks to the new technology, the bank's business clients can not only accept electronic payments using cards of the international payment systems Visa International, MasterCard Worldwide and the national Russian system Mir. Now, at the time of settlement, they will automatically generate online checks, send them to customers by e-mail or SMS and through the fiscal data operator (OFD) - tax.
The created solution is based on the integration of Raiffeisenbank's Internet acquiring and the ATOL Online online cash desk rental service. The jointly developed functionality will enable businesses to implement the requirements of Federal Law 54-FZ quickly, with minimal financial and labor costs.
“Raiffeisenbank was one of the first banks in Russia to introduce the technology of fiscalization of payments, which is so necessary for online stores now,” comments Yulia Nosova, head of the ATOL Online business project. - By connecting the ATOL Online service, a bank client will receive not just online cash registers with fiscal drives for rent. He will be provided with assistance in registering cash desks with the tax office; fiscal data operator services already included in the tariff; user's personal account for monitoring the state of cash registers and managing them; maintenance of devices and a guarantee of their continuous operation.
It should be noted that the solution of Raiffeisenbank and ATOL has multi-level data protection. For example, the security of each payment is ensured through its three-stage verification (the processing center of the bank - the banking system of fraud monitoring - the payment system), the transaction using the certified 3-D Secure protocol, and the individual setting of limits to prevent fraudulent transactions in Internet acquiring. The transfer of information from the online cash register to the OFD and the Federal Tax Service of Russia is carried out according to new interaction protocols specially developed in connection with the adoption of amendments to 54-FZ. The rented cash desks themselves are located in a Tier III data center. This, in particular, guarantees uninterrupted operation of devices and constant access to the Internet.
“Today, users of Raiffeisenbank's Internet acquiring are enterprises of various scales of activity - from individual entrepreneurs to world-famous retail chains. Among them are both companies taking their first steps in online commerce and players with many years of experience in the development of online sales, - comments Krokhin, Head of Cash Flow Management Products at Raiffeisenbank. – But for each of these clients it is equally important that bank payment instruments and services meet their business objectives to the maximum and have a strong technological basis. A vivid confirmation of this is the situation on the market caused by amendments to 54-FZ. The demand for solutions that comprehensively meet the needs for receiving, fiscalizing payments and related services has grown sharply. We are glad to note that integration with ATOL Online allowed us to adequately respond to this market challenge.”
The cost of services within the framework of the ATOL Online service for users of Raiffeisenbank Internet acquiring includes the purchase price of a fiscal drive - 5200 rubles. at a time when connecting each rented cash desk - and the price of renting a cash desk: one device - 3000 rubles. per month, two or more - 2000 rubles. per month for each. Service testing is provided free of charge.
Raiffeisenbank provides modern high-quality equipment that allows you to accept plastic cards of the most famous payment systems for payment.
By connecting the acquiring service, you will be able to attract new customers, increase the turnover of funds and improve the level of service.
Advantages of acquiring from Raiffeisenbank
The Bank guarantees the installation and configuration of high-quality POS equipment - mobile and stationary - for the successful acceptance of MasterCard Worldwide, Visa International, American Express and MIR. The client can choose package solutions or conclude an agreement on individual terms.
The advantages of cooperation with Raiffeisenbank include:
- prompt consideration of the application;
- free installation of the relevant equipment;
- 24/7 support service;
- security of ongoing operations thanks to the 3-D Secure protocol;
- reduction of collection costs;
- the possibility of participating in the discount program of the bank;
- crediting money to the account on the next business day;
- flexible customizable service rates;
- free training of employees to work with terminals.
Have you opted for package terms of service? Installation of POS equipment will be carried out within five working days from the date of signing the contract. Is the contract made on a personal basis? In this case, the procedure for connecting and configuring terminals takes at least 10 working days.
Tariffs for merchant acquiring from Raiffeisenbank
The cash register software of each organization has its own unique interface for making cashless payments, so the bank offers individual acquiring solutions.
Raiffeisenbank provides modern stationary and mobile VeriFone POS-terminals with connection via SIM-cards, Wi-Fi and GSM/GPRS.
Tariffs for acquiring at Raiffeisenbank for legal entities and individual entrepreneurs are set on a personal basis. The amount of monthly payments depends on the number of cash desks and can vary between 2,000–12,000 rubles. The cost of registering equipment starts from 1,990 rubles and can reach 29,900 rubles.
The bank does not sell terminals, so the client will need to pay their rent every month. The cost depends on the tariff plan and ranges from 190 to 990 rubles per month.
You can familiarize yourself with the tariffs for RKO -.
Tariffs for Internet acquiring from Raiffeisenbank
Connecting a "virtual cash register" on your website or online store takes at least 14 calendar days. The size of the commission fee for the operation is set by the bank on a personal basis, taking into account the planned turnover of the client, the scope of his activities and other factors.
After connecting Internet acquiring, you will be able to accept non-cash payments through the network using cards:
- Mastercard;
- Visa;
- "WORLD".
You can manage payment transactions and control the movement of money using your personal account. The bank guarantees the safety and reliability of each transaction through the use of the 3-D Secure system.
Mobile acquiring at Raiffeisenbank
Do you provide services remotely? The bank will issue you a modern mobile M-POS model that allows you to accept cashless payments anywhere. This option is suitable for courier services, organizations and individual entrepreneurs offering delivery, etc.
A mobile POS terminal with a GSM/GPRS connection allows you to accept the following payment methods:
- Apple Pay;
- Samsung Pay;
- Google Pay.
Connecting the terminal will cost you 5,000 rubles, replacing old equipment due to its breakdown or loss - the same amount. The fee for accepting payments from a Visa or MasterCard is 2.7% of the transaction amount.
Connection of acquiring in Raiffeisenbank for individual entrepreneurs and organizations
You can order merchant acquiring at any bank office by calling 8-800-700-91-00 or by writing an e-mail [email protected] You can find out the location of the nearest branch using a special online map.
If you contacted the office to connect the desired service, the manager will provide some forms to fill out, including:
- customer profile;
- etc.
Among the documents for registration of acquiring in Raiffeisenbank, one can single out the applicant's passport. As a rule, other papers are not required to be provided to the manager. After reviewing the request left with the client is.
Similarly, it is possible to connect Internet acquiring. After studying the questionnaire and application from the client, the bank manager will announce the terms of cooperation and offer to sign a service agreement. Specialists are engaged in setting up payment modules.
Reviews about acquiring in Raiffeisenbank
Kira, Podolsk
I like conditions for mobile acquiring at Raiffeisenbank. The commission is not higher than in other banks, and payments are made quickly. Money is also credited to the account promptly - the very next day! For six months of cooperation, there have never been any problems - neither delays in the receipt of funds, nor failure of the terminal.
Bogdan, Kirov
I recently connected merchant acquiring at Raiffeisenbank and I can already see the result! The influx of new customers has increased, the amount of the average check has increased, the accountant spends less time counting cash and checking it. I regret not ordering this service sooner.
Timur, Sochi
Great service! We installed and configured two terminals, trained the staff to work with the equipment, provided all the necessary materials - and all this for free! For any questions, you can get advice from the manager by phone. The only drawback is the long connection time. The process took me about 10 days.
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