Do you want your website visitor to be able to make a purchase immediately, without leaving the bank terminal, using the Mir, Visa or Mastercard card directly on the online store page? This is possible if you connect Internet acquiring.
Ural Bank for Reconstruction and Development offers Internet acquiring services for legal entities. It is efficient and beneficial because:
- allows you to pay for an order from almost anywhere in the world;
- increases sales volume due to the possibility of immediate purchase;
- convenient and simple for customers of online stores.
Why is it worth placing an order for Internet acquiring in UBRD:
- low rates for Internet acquiring for the site;
- the ability to quickly arrange a service (from 3 days);
- technical support online around the clock;
- a number of payment acceptance modules;
- high security of transactions in banking services.
Do you want cheap Internet acquiring on your website? The application form will open immediately. We will help you choose the best module for your business and connect you to it. Acquiring for an online store is available with any turnover of funds.
In your personal account from UBRD Bank, you will be able to more effectively apply various sales management operations, such as sales analytics, payment status, various methods of integration with accounting systems.
Specify the rates and conditions: the cost of connecting Internet acquiring to the site may be lower than you think, even taking into account the rates and commission of the bank. Submit a request to connect the service and our specialist will contact you.
The Russian Internet continues to develop at an ultra-high pace, and this primarily concerns business, namely Internet commerce. Everything is sold on the Internet: from household appliances to information services and products. And the main question that entrepreneurs ask is how to sell via the Internet? Internet acquiring allows the client to pay for goods and services even without registering an account and creating a personal account on the site.
The main person in trade has always been and remains the buyer. And the buyer today needs the mobility of making a transaction from the site at any time. These conditions can be met if you provide your web resource with the functionality of the payment system.
Why is it beneficial to have a website for sales?
In this case, the seller also receives a large package of options. An online store or a sales page does not incur any other costs, except for paying for hosting services. There is no need to rent premises, hire staff to service the outlet, there is no need for a cash register and additional services, such as cash collection. Those. a website today is a convenient, technological tool to which you can connect a payment system and sell.
Transstroybank provides its clients with
For business, the speed of decision-making, the security of the transaction and maximum control over the funds received into the account are important.
Benefits of Internet acquiring for a merchant
- For the convenience of using the service, the processing center provides the seller with a personal account in which you can configure and control processes.
- When connecting Internet acquiring services, you can access security settings. This will eliminate financial risks and increase the conversion of payments.
- An analytics system works in the personal account for keeping records and statistics.
- A mobile application is available for remote control of the process.
- Customer payments arrive daily in the merchant's bank account.
Advantages of Internet acquiring for the buyer
Using Internet acquiring, the most popular payment methods are available to the client:
- bank cards;
- Electronic wallets;
- Internet banking;
- Personal accounts of mobile operators;
- Money transfers and more...
- 3D-Secure support, transaction routing, multi-currency payments and card processing from any country.
In total, the service offers 38 additional payment methods.
How to connect Internet acquiring in Transstroybank?
It's very easy to connect. It is enough to follow two simple steps:
- Send an application to the email address of Transtroybank;
- Prepare the site for receiving payments.
To be able to accept online payments, they are published on the official page of the service on the Transstroybank website.
For the technical setup of the site for accepting payments, it is not necessary to involve specialists on the side. This is done free of charge by the service provider.
Is Internet acquiring possible without an online cash register?
Online checkout will become a mandatory requirement for companies and retail outlets from 07/01/2019. Many entrepreneurs are interested in the issue of choosing online cash registers when selling using Internet acquiring technology.
How does the online cash desk work in Internet acquiring?
Online cash desk records the data and submits the testimony to the tax authorities. In order for the process to proceed correctly and without failures, and for the data to be transferred to the tax office as quickly and in the correct form as possible, it is necessary to use the services of a fiscal data operator, which is Transstroybank. You can purchase the necessary equipment at the bank, and the bank's specialists will help you set it up. Thus, all settlement transactions will reach the tax service as accurately and in a timely manner as possible, which will make the company's economic activity as transparent as possible.
How does internet acquiring work?
Internet acquiring allows you to pay for services and goods from websites, using an online cash desk and a bank card. To get started use Internet acquiring, the entrepreneur needs to conclude an agreement with a bank providing Internet acquiring services. This opportunity will give the business to accept payments using the online cash register in a non-cash way.
For the owner of an online store, acquiring will allow you to accept online payments using bank cards and electronic wallets.
Purchase payment process using online checkout similar to normal. When making a purchase using a bank card, the client makes a payment, the entrepreneur knocks out a sales receipt and transfers the goods with a check to the buyer. In Internet acquiring, the procedure is similar, however, when making a purchase, the client receives an electronic check (check in electronic form).
The advantages of Internet acquiring is that the client can pay for any goods and services in one click. This opportunity appears when the buyer agrees to save data from the card in the system.
Is it possible to conduct activities with Internet acquiring without an online cash desk?
To date, accepting payment for goods or services through the site is the standard of economic activity of any company. Data on payments, according to the law, are required to enter the tax service. The online cash desk allows the process of receiving and transmitting data to be carried out automatically, as well as to generate a payment document and send the data to the buyer with an electronic check to an e-mail address.
All these functions are already included in modern online cash registers. Accordingly, entrepreneurs who wish to conduct business using Internet acquiring technology are required to purchase online cash register equipment.
Online cash desk with acquiring for individual entrepreneurs
Online cash desk with acquiring is found in two solutions:
- Built-in acquiring directly in the cash register;
- Acquiring as a terminal with a separate device that can work both independently and in conjunction with an online cash register.
To understand what kind of online cash desk an individual entrepreneur needs, it is enough to understand the purpose of the business and calculate the budget of the enterprise. After that, it will be possible to decide: connect a bank pos-terminal, or resort to the services of an online cash desk and acquiring.
Types of bank pos-terminals
To date, there are two types of pos-terminals on the market:
- Stationary terminals are connected to the cash register, or operate as an independent device powered by the network.
- Mobile acquiring connects using a mobile phone (smartphone, tablet) to the cash register.
Mobile acquiring. Online cash desk with built-in acquiring
Due to the growing pace of providing services for the delivery of purchased goods using a courier service, there is an increasing need for mobile online cash registers with a built-in acquiring terminal. The most popular area of application for mobile checkouts is courier service, food (food) delivery, shops operating in the traveling trade mode, market trade and others.
Transstroybank offers the service of connecting to online cash desks with acquiring in one device. The service is activated on the bank's website. The client is provided with a device, in full compliance with Federal Law 54, capable of accepting payment by any cards. The device is set up by qualified employees of the bank's service department.
Stationary online cash desk with acquiring
When it comes to traditional trade from a stationary outlet, for example, services in a beauty salon, or a cafe / restaurant, then a stationary online cash desk will be enough. The device is adapted for conducting activities, including in the online store. Installation of a stationary online cash register and turnkey equipment setup can be ordered at Transstroybank.
Until July 01, 2018, most trade and service enterprises will have to switch to using online cash registers. are individual entrepreneurs without employees and enterprises providing services to the population.
There are a lot of offers to buy online checkout. Owners of enterprises on UTII, exempted from the use of cash registers since July 2009, are trying to understand and figure out which online cash register is better to buy, or which solution is more suitable for their activities. This article touches upon offers on the cash register market related to the integration of an online cash register and a banking terminal. The article should help when choosing an online cash register if you need to connect acquiring, or integrate an existing one. The article does not consider solutions based on .
Online cash desk with acquiring
So, if you already have merchant acquiring connected and the terms of the contract suit you completely, then you can buy any online cash register, provided that the two devices do not communicate with each other. In this case, the check will be broken in the following way:
- the cashier dials the same amount on the bank terminal
- the terminal prints out two bank slips
- the cashier closes the check at the checkout with the sign of payment "electronic"
This option has been around for quite some time. Even the old law on the use of cash registers established the obligation of the cashier to punch a check at the checkout with the payment option "cashless payment". With this version of work, errors on the part of the cashier are not ruled out. Either the check at the checkout is closed with the sign of payment "cash", then different amounts are mistakenly typed at the checkout and the terminal. Recently, cases have become more common when cashiers forget to make the payment itself through the terminal.
Thus, if you do not change your existing bank terminal and there is no way to connect it with an online cash desk, choose any online cash desk that you need to choose taking into account other requirements. We can help you with most of your requirements.
There are few online cash desks that support automatic work with third-party banking terminals. One of these online cash registers is Agat-1F. Information about how to work automatically can be found if you follow the link. Breaking a check during automatic operation occurs as follows:
- the cashier collects at the checkout the amount that the buyer must pay
- the cashier presses the button for payment by electronic payment at the cash desk and the cash desk transfers the amount to the terminal
- the buyer makes a payment using a card at the terminal
- terminal or cash desk prints out two bank slips
- the cash desk automatically prints out a check with the sign of payment "electronic"
Examples of offline online cash registers
A good option when buying an online cash register with acquiring is KKT Dreamkas F and Pax SP30 pinpad. Price . The terms of acquiring from this set are as follows.
It is believed that acquiring and using online cash registers are inextricably linked procedures. In many ways this is true, but there are more than enough differences between them. Let's consider what their real relationship is and how a store can be equipped with an effective acquiring infrastructure using common schemes for integrating terminals for receiving cards and cash registers.
How are online cash desks related to acquiring
Indeed, for all the seeming fundamental similarity, if not uniformity (for which there are many objective reasons), the two procedures - acquiring and fiscalization of revenue at the checkout, made using online checkouts, are independent of each other by most signs.
But let's start with what still unites them - in fact, acquiring and online cash registers have a lot of "common beginnings".
The most obvious is that both terminals for receiving cards and online cash desks function by transmitting data over the Internet. They can be, and most likely will be - connected to the same gateway or router, they will “share traffic”.
There are also visual nuances of the similarity of the two types of infrastructure under consideration. An acquiring terminal can, to a certain extent, be similar to an online cash register. He, like the cash register, prints checks with the amounts of purchases (but not instead of it, and this is a fundamental nuance, which we will get acquainted with later).
The next circumstance that forms the criterion for the similarity of the two procedures under consideration is the common place (and in many respects the order) of their implementation. Both the acquiring terminal and the innovative CRE, adapted to transfer data to the Internet, are used in a single space of the cashier's workplace. These two devices are located, as a rule, in the neighborhood (and sometimes even within the same building - later in the article we will consider such solutions in more detail).
An online cash register is a device designed primarily to account for the revenue of an economic entity. This revenue can be collected in two main ways - by accepting cash payments and by accepting card payments (that is, through acquiring).
The online cash desk takes into account both ways of receiving revenue - including acquiring. This means that data from the acquiring terminal is transmitted to the cash desk in the prescribed manner - about successfully completed transactions with bank cards of buyers. The terminal is connected to the cash desk - and it cannot be otherwise.
The technological connection between acquiring and fiscalization at the online checkout is quite officially documented: the report on the status of meters printed at the online checkout at the end of the shift separately records the amounts received from buyers through acquiring.
Note that the connection between acquiring and the online cash register is mostly one-way. The cash desk receives information about revenue from the acquiring terminal, and the terminal from the cash desk receives nothing special (except, of course, "requests" for providing information about revenue - but in many cases they are sent by an "intermediary" in the person of a cash computer, to which the cash register and the acquiring terminal are connected at the same time). In addition, a cash register can be a technologically leading component of the cash register infrastructure - with the help of which requests will be submitted to the terminal, in fact, to conduct a transaction (confirmation of debiting funds from the cash register as payment for purchased goods or services).
Differences
With all the undeniable mutual proximity - in terms of the aspects we have considered above, acquiring and online cash registers are very different. This can be seen in part:
- Legal mechanisms for the implementation of both procedures - acquiring and fiscalization of revenue.
The purpose of acquiring is to ensure the safe and legal acceptance by the store of payments from customers using bank cards (and their analogues, for example, smartphones with the Apple Pay or Android Pay payment system). Regulatory regulation in this area is carried out, first of all, by the Central Bank of the Russian Federation as the main financial institution of the country.
The purpose of online cash registers is to fiscalize (inform regulatory authorities - primarily the Federal Tax Service) the revenue (in cases provided for by law - and expenses too) of an economic entity. Fiscalization in a certain sense supplements the tax reporting of such an entity (and it is possible that in the future it will completely or partially replace it). Having received impartial fiscal data from the online cash register of the store, the Federal Tax Service will compare them with the revenue declaration and decide whether the taxpayer wrote the truth in it.
Accordingly, the main subject of regulatory regulation in the field of online cash registers is the Federal Tax Service.
Acquiring is mandatory for business entities that:
a) received more than 40 million rubles in revenue for the previous tax period - for all outlets.
And if at any of these outlets the revenue was less than 5 million rubles, then acquiring is optional at this outlet.
b) are not located in areas remote from communication networks (obviously, in such areas, acquiring is technically impossible - since it requires the Internet).
Online cash desks are generally required to be used by all merchants - with the exception of:
a) those that carry out the types of activities named in paragraph 2 of article 2 of Law No. 54-FZ - the main regulatory act that regulates the use of cash registers.
For example - selling newspapers and drinks in bottling (but these are just examples of more than a dozen types of businesses where a cash register can be omitted).
b) those who so far fall under the exceptions prescribed in Article 7 of Law No. 290-FZ, a regulatory act that supplements Law No. 54-FZ.
These exemptions are valid until 2019. They include, in particular, individual entrepreneurs on UTII and PSN who do not have employees (and this, again, is just one of many examples of exceptions). It is possible that additional benefits will appear in the legislation on obligations to introduce online cash desks - the considered ones also did not appear immediately.
Of course, both acquiring and fiscalization can be implemented by an economic entity voluntarily - even if the law does not establish requirements for them to introduce one or another type of infrastructure. Moreover, if there is a technical possibility, rare stores allow the refusal of acquiring and fiscalization (or from one thing), since such savings can turn out to be completely imaginary. Without acquiring, the store risks losing a good half of its revenue, if not more, due to the reluctance of customers to pay in cash. Without an online cash register, it can be more difficult to keep track of and analyze such revenue - which can come in handy in business planning.
Thus, from the point of view of legal features, acquiring and online cash registers are fundamentally different:
- by appointment;
- according to the criteria for mandatory use by a trading enterprise.
- Technological mechanisms within which the procedures in question are carried out.
Acquiring is a procedure that involves the receipt and transmission of online data related solely to the provision of a card payment. In the general case, this is data for identifying a bank card inserted into the terminal (or read using contactless technology).
Fiscalization at the online checkout involves the exchange of data via the Internet, which reflect the revenue and expenses of the store. The composition and formats of such data are fundamentally different in comparison with those that characterize the exchange of data within the framework of acquiring, and are established by other regulations.
However, we take into account the fact known to us that the data generated on the acquiring side are “converted” into payment data in the prescribed manner, which are then transferred to the online checkout for fiscalization.
One way or another, acquiring and fiscalization using online cash desks are interdependent, albeit largely related procedures. It is wrong to ask whether acquiring is required for an online cash register (or, conversely, an online cash desk for acquiring), since the criteria for the mandatory implementation of each of the procedures under consideration are different and they are not related to each other.
There may be acquiring in a store (at an enterprise), but there may not be online cash desks, and vice versa (both for reasons stipulated by the norms of the law, and for those that reflect the wishes of the owners of the enterprise).
However, it is absolutely fair to say that if the store uses both acquiring and an online cash register (by law or “voluntarily”), then the acquiring terminal and CCP must be connected to each other. Otherwise, the revenue generated by the store receiving card payments will not be fiscalized - while it is required by law.
Let us consider in more detail a typical scheme for the joint use of acquiring and fiscalization at an online checkout. There are many nuances here, which, again, can be categorized as legal and technological.
Inseparable Acquiring and Fiscalization Procedures: Basic Cash Turnover Operations
The interaction between the buyer - the owner of a bank card, with which he wishes to pay for the purchased goods (services), and the seller - the operator of the acquiring terminal and online cash desk, will include the following main operations:
- Coordination of the amount of payment for goods (the seller names it, the buyer confirms his consent to pay it in one way or another) and the initial data entry into the cash infrastructure.
The main tool of the cashier here is the online cashier. With it, he generates a preliminary check. The amount on it is then transferred to the acquiring terminal - for debiting the card.
- Write-off of the agreed amount of funds from the client's bank card.
The acquiring terminal, having received a request to write off the amount of the check from the online cash register, “checks” in the prescribed manner whether this amount is on the card, and if it is, it ensures that it is written off and sends a signal to the cash desk about successful payment.
After that, a check is generated on the acquiring terminal (or on a receipt printer connected to it) from the acquiring bank (a financial institution servicing the enterprise's acquiring terminals) to confirm payment.
- Fiscalization of the amount of revenue represented by payment for the sold product or service.
The cash desk, having received a signal from the acquiring terminal about a successful transaction, fiscalizes the amount of proceeds from it (writes it into a fiscal drive, and then transfers it to the Federal Tax Service via the Internet).
After that, the cash desk prints “its own” check with the necessary details - reflecting the list of goods paid for by check, information about the cost of each of them (and other details - in accordance with Law No. 54-FZ). If the buyer provided the cashier with his contact e-mail or mobile phone before making payments, an electronic cash receipt can be sent to them.
Thus, the procedure in which the interaction of the acquiring terminal and the online cash desk takes place involves the formation of two documents:
- a check from the acquiring bank - in confirmation of debiting the purchase amount from the card;
- check created by the online cash register.
Both of them are subject to issuance to the buyer (a cash receipt can be sent electronically to an e-mail or SMS to a cell phone at the visitor's request).
The way such checks are technically created depends on the way the acquiring terminal and cash register are integrated (which, in turn, is determined by the form factor of the device).
Consider how terminals and cash registers can be interconnected depending on the specific type of device.
Ways to connect acquiring terminals and online cash registers
Conventionally, such methods can be classified according to the following main varieties:
- Way "Cashier-terminal".
He assumes that none of the devices will be a master or a slave - there is a "technological equality" of the cash register and the acquiring terminal.
The cash register in this case should be autonomous - represented by a device that operates independently of any additional computing modules.
It is best to integrate such a cash register with a full-fledged stand-alone acquiring terminal (POS-terminal), which will not “transfer” certain computing operations to the CCP side.
Each autonomous device - both the terminal and cash desks - will be equipped with its own receipt printer. Accordingly, a check from the acquiring bank will be printed by the terminal, and the cash desk will print its checks independently of it.
Stand-alone devices - both cash registers and terminals, can vary significantly in price, because with the common "autonomous" form factor of both types of devices, the internal segmentation of solutions by functions and capabilities is very noticeable in many cases.
Let's try to identify the key segments of devices in the category of POS-terminals (and at the same time indicate the advantages and disadvantages of using each type of device). To do this, we use a small table.
Table 1. Comparison of models of autonomous acquiring terminals connected to online cash registers.
| Terminal model | Advantages | Disadvantages (estimated) | |
| Verifone Vx 520 | 20-25 thousand rubles | Powerful processor (ARM 11 @ 400 MHz) | By default, only wired connection to external devices is supported. |
| Ingenico iCT220 | Supports mobile internet by default | No battery | |
| PAX S80 | Powerful ARM 11 processor There are universal modifications of the device - with support for wired and wireless interfaces | In the universal modification (with mobile Internet support), the price is closer to the upper limit of the segment |
The "checkout-terminal" scheme is universal and suitable for almost any trade enterprise, regardless of the degree of mobility of the sales mechanism (adjusted for the need to purchase a terminal with a battery - if sales are really carried out in a mobile format).
But the store will most likely have to pay a decent price for this versatility: a good-quality autonomous cash register (with a pre-installed fiscal drive) will cost about 15-20 thousand rubles. We add the specified price range and reach the figure of 35-45 thousand rubles for the “bundle” of the cash desk and the terminal.
- Way "Cashier-computer-terminal".
In this scenario, it is assumed that the cash desk will be modular - represented by a bundle of a fiscal registrar and a computing module (computer, smartphone, tablet).
If the cash desk is modular, then the terminal in this case will most likely be connected not to it, but to its computing module. In this case, it is permissible to use not only a full-fledged standalone terminal, but also:
a) PIN-pad terminals;
Such a device, in general, in terms of its functionality corresponds to an autonomous terminal, but at the same time:
- does not have a built-in receipt printer;
- in many cases it has limited functionality in terms of compatibility with communication modules.
Thus, it is assumed that the indicated missing functions will be transferred by the terminal to connected external devices. In terms of communication modules, it is supposed to use those that are equipped with the computing module of the online cash register.
In the absence of a regular receipt printer on the PIN-pad, you will have to buy an external one. The fiscal registrar, located next door, can theoretically be used for these purposes - but in practice, in many cases it is extremely difficult technically.
Let us now consider examples of PIN pads that can be used in the implementation of the integration method of acquiring and the online cash desk in question.
Table 2. Overview of popular PIN pads connected to cash register computers (gadgets).
| PIN pad model | Price range (approximately) | Advantages | Disadvantages (estimated) |
| Verifone Vx805 | 15-17 thousand rubles | Supports contactless cards, has a powerful ARM 11 processor | More expensive than many analogues |
| Ingenico iPP320 | 8-10 thousand rubles | Can be fixed on a certain surface or used in free movement around the workplace of the cashier | For uninterrupted acceptance of payments using contactless technology, it is recommended to connect an external power supply |
| PAX SP30 | 14 thousand rubles | Big screen, big buttons | Has a not too powerful processor - 96 MHz |
In value terms, the considered method of integrating an online cash register (represented by a fiscal registrar) and a terminal - in the form of a PIN pad, which are connected via a computer, will approximately correspond to an amount of 15-25 thousand rubles. It consists of the price of a fiscal registrar (from 7 thousand) and the cost of a terminal - using the above prices as an example.
We do not take into account the price of an "intermediary" computer - it will most likely already be at the checkout. But even if not, a device with the most modest characteristics in terms of performance will do. On the market, a new or used device of this type can be found for no more than 10 thousand rubles. But to increase the "cost" of integration by this figure should be very conditional. The fact is that a computer can, and most likely will be used for purposes that go far beyond those that characterize the integration of acquiring terminals and cash registers.
b) MPOS mobile terminals;
These terminals, in fact, can be attributed to one of the implementations of PIN pads - different:
- miniaturization (the size of the MPOS terminal may be smaller than a bank card);
- adaptability to connect specifically to a mobile gadget - which will be used as a computing module (both for the terminal and for the online cash register).
In general, MPOS terminals are not designed to connect to computers. But if you wish, you can connect such a device to a PC - the only question is whether it will be more productive in comparison with the use of standard means of connecting the terminals in question to traditional gadgets for them.
It is noteworthy that in the case of using MPOS terminals, as a rule, there is no need to print checks from acquiring banks. If necessary, the check is sent to the buyer in electronic form - using convenient on-screen interfaces of the connected mobile gadget. Therefore, the need to purchase an external receipt printer may not appear.
There are quite a few suppliers of MPOS terminals on the Russian market. Among the largest of them are the Yandex and 2Can brands. In general, MPOS devices have very similar characteristics, and this is not surprising - since technologically they operate on the same principles.
At the same time, 2 groups of devices can be conditionally distinguished in the MPOS segment:
- with built-in keyboard;
- without a keyboard (when there is only a card reader, and data entry is carried out using a mobile gadget to which the terminal is connected).
MPOS terminals of the first type are becoming more common: nevertheless, many users consider the traditional “push-button” data input to be more comfortable than on-screen input - when, without feeling the “keys”, you can accidentally make a mistake in entering data. Another factor influencing the growing popularity of exactly those devices that have a keyboard is the traditional distrust of plastic card users in innovations in terms of technical means to ensure that money is debited from the cash register.
Indeed, not every owner of a bank card will agree to insert it into an unfamiliar miniature reader. A more full-sized terminal with a keyboard tends to inspire more confidence. Moreover, as a rule, payment acceptance is implemented on it according to all major modern standards, while it can be technically very difficult to place modules for accepting payments on “clean” readers, in particular, using a contactless scheme. It is usually easier to enter a PIN code from a keyboard that consists of traditional buttons, especially for a user who is not used to skillful handling of the screen of a mobile gadget.
The typical price of an MPOS terminal with a built-in keyboard is about 8,000 rubles. It turns out that together with a budget fiscal registrar and an inexpensive gadget, the cost of the acquiring scheme under consideration will turn out to be almost the lowest in comparison with alternative methods of integrating acquiring and online cash registers.
An important nuance: MPOS terminals in many cases are “tied” at the firmware level to a specific acquiring bank. This is a common practice. Therefore, when purchasing such devices, you should ask the supplier in advance if there are any such restrictions on their use on the terminals. Of course, you should also ask your acquirer whether it supports the appropriate type of terminals. It is possible that the bank has well-defined criteria for selecting cash registers - and, as an option, solutions that meet the current criteria are rented to everyone (and, of course, passed the test in the prescribed manner). These solutions may not always have much in common with devices in the MPOS segment.
"Branded" MPOS terminals are provided by suppliers upon signing an acquiring agreement with the business entity that sent the application. As a rule, such applications are characterized by a high level of approval (due, in turn, to low requirements for turnover and other business indicators). At the same time, rates for mobile acquiring are usually significantly higher than those that characterize stationary trade in stores.
Cash registers based on MPOS are oriented, apart from their high degree of adaptation to newcomers in trade, primarily to mobile businesses - those related to the delivery of purchases to the house, the provision of transport services, mobile services in the field of catering. But even at a stationary point of sale, of course, such devices will find useful applications.
- Way "Cashier is a terminal".
We are talking about the use of integrated devices - combining an online cash register and an acquiring terminal "in one case". Of course, as a result, a universal autonomous device is formed, which is adapted both for accepting card payments and for fiscalization. It is common to equip a cash register with support for the acquiring function with a built-in receipt printer and all the necessary communication modules for transferring data to the Internet. In addition, connection to a computer or other computing module is generally not required - except at the stage of setting up (and, possibly, updating the software) integrated cash registers.
Technically, it is not easy to integrate two essentially different types of devices - acquiring terminals and online cash registers, but several large suppliers in the Russian Federation successfully cope with this task at once.
Consider examples of online cash register models available on the Russian market that include the acquiring function.
Table 3. Popular models of online cash registers with the acquiring function.
| CCP model | Price range (approximately) | Advantages | Disadvantages (estimated) |
| Tier M2100F | 34-40 thousand rubles | Exceptional functionality, versatility - supports all major types of cards and methods of connecting to third-party devices, supports mobile Internet | Relatively high price |
| Tier TF | 25-27 thousand rubles | Compact, multi-threaded computing thanks to Linux operating system | Does not have a built-in barcode scanner |
| Salyut-08F (UNIKA) | Supports mobile Internet, Wi-Fi, has a built-in barcode scanner, battery | It has relatively small keys - it is not always convenient to press "on the go" |
The release of integrated solutions, similar to those shown in the table above, can rightfully be classified as one of the most dynamic trends in the modern Russian market of cash registers. The fact is that such solutions, while remaining attractive in price, give objective advantages to businesses in terms of saving time (and money) on setting up equipment that is part of the cash register infrastructure. It is not enough to physically connect the cash desk to the acquiring terminal, it is also necessary to properly configure their interaction. In the case of the purchase of the considered solutions, such a problem, if not completely disappears, is minimized in terms of significance.
Of course, based on the methods of integration of online cash registers and acquiring terminals that we have considered, various mixed schemes can be formed. For example:
- when an autonomous cash register and a terminal interact with themselves not directly, but through a computer (in this case, the overall performance of the cash register infrastructure may increase due to the “collection” of the load on the computing module);
- when the functionality of an autonomous cash register allows you to connect a PIN pad without the “mediation” of a computer.
The optimal scheme depends, first of all, on the format of doing business and on the features of the current cash infrastructure. If it is formed and configured properly, then it makes sense to connect acquiring to it, practicing minimal changes in its properties. This will allow, if necessary, to easily scale this infrastructure - with further business growth, opening of new cash desks and connecting new outlets to the network.
Summary
Acquiring and online checkout are technologically and legally different procedures, but in most modern stores they are interdependent. The online checkout includes in the total revenue all that is received by the store accepting funds on the card through acquiring.
The terminal for accepting payment by card and CCP can interact in different ways - directly, through a computer, or even be enclosed in one common body. The optimal way to ensure their relationship depends on the type of trading business, the intensity of sales.
The market of online cash registers and acquiring equipment in Russia is growing. Modern trends include the growing interest of manufacturers in the production of stand-alone cash desks that implement acquiring functionality, and cash desks related to MPOS terminals that have a built-in keyboard for data entry.
Which acquiring machine to choose may also depend on the policy of a particular acquiring bank. The requirements for devices approved by the financial institution may, moreover, constantly change - taking into account changes at the level of technological trends in the CCP market.
Video - portable online cash desk with acquiring Atol 60F:
Acquiring - what is it and how to use it legally.
Acquiring - what is it?
The word "Acquiring" (from the English. Acquiring) - acquisition.
The term acquiring means the acceptance of payment cards as a means of payment for goods, works / services.
There is also Internet acquiring - where payment cards are accepted for payment and, using a specially designed web-interface, a purchase / sale is carried out via the Internet. Internet acquiring allows you to make payments in online stores and pay for various services on special electronic payment systems (mobile communications, utilities, Internet, fixed telephone communications, etc.).
Acquiring is required for most stores
According to Article 3 of Law No. 112-FZ dated May 5, 2014, stores must be equipped with equipment that allows them to accept payment by bank cards. And the buyer chooses how to pay for the purchased goods or services - in cash or with a bank card.
This rule applies to all organizations (IEs) that sell goods, services or perform work to citizens, except for those enterprises whose revenue for the previous calendar year exceeded 60 million rubles.
Administrative responsibility for non-execution of Decree of the Government of the Russian Federation of 09.02.2013 No. 101 was appointed from 01.01.2015. The amount of the fine for an organization that has not made a payment by bank transfer can range from 30 to 50 thousand rubles. 112-FZ)
To install acquiring, an agreement is concluded with the bank. For its services, the bank charges a commission, the amount of which depends on the volume of transactions carried out on cards (the more transactions, the lower the percentage). In addition to the agreement, in order to carry out Internet acquiring at the facility, it is necessary to purchase or lease a POS-terminal from the bank.
Should I punch a check?
According to paragraph 1 of Art. 2, paragraph 1 of Art. 5 of the Federal Law of May 22, 2003 N 54-FZ, subject to payment for goods, work or services by a bank card, the organization is not exempt from the obligation to punch a cashier's check.
For more convenient identification of non-cash proceeds and filling out cash documents, it is better to pay through the acquiring terminal in a separate section of the cash register.
In addition to the cash receipt, the organization must issue to the buyer a document confirming payment from a bank card. One copy of it remains with the cashier. On some acquiring devices, the buyer's signature is required on the document.
The amount in the cash register must match the amount in the cashier's journal
At the end of the shift, the cashier fills out the journal of the cashier-operator (form KM-4), where the amount of cash proceeds based on the Z-report is reflected in column 11, and non-cash proceeds - in column 13 (in column 12 it is necessary to reflect the number of cards with which the goods were paid for , work/service). You also need to fill out a certificate report and information about the readings of KKT meters and revenue (forms KM-6, KM-7). Next, the cashier fixes the amount of cash proceeds in the incoming cash order and transfers it to the accounting department. The accountant reflects the accepted cash in the cash book.
Note!
Cash and non-cash proceeds in the journal of the cashier-operator are separated, because. the difference in the amounts in the journal and the cash book may be regarded by the tax service as non-received revenue, as a result of which the organization may be subject to penalties.
The procedure for returning money for goods, work / service to the card
If the buyer decides to return the money for the goods, work, service that was paid for with a bank card, the funds are also transferred to the card. It is impossible to issue the amount due to the buyer from the cash desk.
The procedure for returning money to the buyer also depends on the day the goods are returned:
1) the goods were returned on the day of purchase - the payment operation is canceled;
2) the goods were returned later - the money is returned under the terms of the agreement with the acquiring bank. On the recommendation of the Bank of Russia, the return period should be only a few days: the seller organization sends a register of payments containing information, including on the return of goods, to the acquiring bank. The bank returns the money to the issuing bank (the bank that issued the card used by the buyer) no later than the next business day. And the issuing bank transfers the money for the returned purchase to the buyer's card on the next business day.
To process a return, you must ask the buyer for a passport, a card with which he paid, and a cash receipt. In addition, an act of return should be drawn up (form KM-3).
In the journal of the cashier - operator, we make an entry about the return of money in column 15.
Accounting for card transactions
Usually, money from buyers is credited to the current account not on the day of purchase, but after a few days, therefore, account 57 "Transfers on the way" is used to reflect the acquiring revenue in accounting.
On the date of payment for the goods with a plastic card, we make postings:
57 - 90 - Reflected the proceeds received when paying for the cost of goods, works / services with a card (Z-report).
90 - 68 - VAT charged (Z-report).
On the date the money is credited to the current account:
51 - 57 - The proceeds were received to the current account minus the bank commission (Bank statement).
91/44 - 57 - The bank's commission is included in other expenses (Bank statement).
If the proceeds for goods paid for by the card are credited to the current account on the same day, then account 57 "Transfers on the way" should not be used.
It must be taken into account that the funds on plastic cards will be credited to the organization's account minus the bank's fee, however, the amount of revenue in accounting must be reflected in full (Section II PBU 9/99, approved by Order of the Ministry of Finance of Russia dated 06.05.1999 N 32n) and consider remuneration as an expense.
Important!
In tax accounting for organizations on the general taxation regime, the date of recognition of income is the day the goods are sold, regardless of when the proceeds from the cards are credited to the current account. For those applying the simplified taxation system, the date of recognition of income is the day the money is received on the current account. Then the simplistic people who have chosen the object of taxation "income minus expenses" can include the bank's commission in expenses. This, unfortunately, is not available to "profitable" simplistic people.
In accounting, expenses for bank services can be reflected both as part of expenses for ordinary activities and as part of other expenses (section II, paragraph 11 of section III PBU 10/99, approved by Order of the Ministry of Finance of Russia dated 06.05.1999 N 33n ). Therefore, the procedure for accounting for expenses for bank services must be fixed in the accounting policy.
The main advantages of paying with bank cards
1. Growth in your organization's income: the number of customers will increase, the amount of purchases will increase, since the buyer does not need to think about the cash in his wallet; the buyer makes a buying decision faster.
2. Costs for collection are reduced.
3. Security: non-cash receipts are difficult to steal, and the possibility of receiving counterfeit banknotes is excluded.
4. Operations with bank cards are not subject to the limit of cash settlements between organizations and entrepreneurs (100,000 rubles under one agreement - Instruction of the Bank of the Russian Federation No. 3073-U), therefore, a representative of the purchasing organization can pay for any expensive purchase with a card.