Today, the electronic services market is developing at a tremendous pace. We no longer stand in long lines to pay utility bills or top up our mobile phone balance.

All this can be done easily and simply using payment terminals. Thanks to them, we stopped asking many questions, the solution of which required us to waste time. In this material we will tell you in detail about the history of the appearance of these wonderful devices, how big money is made from them and, finally, how to start a terminal business yourself. So, first things first.

Payment terminal as a business

At the dawn of the emergence of payment machines in Russia in 2006, the profit from them averaged 300 billion rubles, but after another 3 years these figures exceeded 700 billion. In neighboring Kazakhstan, terminals for accepting payments began their development around the same time.

In 2008, about 13,000 payment acceptance points were actively operating there. By the way, today their number has exceeded 30,000. And now the most important thing.

According to experts, this type of payment has enormous potential. There is an opinion that the market is saturated to only 50% of its real potential. This opens up great opportunities for organizing your own business in this area.

However, there are many skeptics who claim the opposite. According to them, certain parts of the market are already oversaturated with such machines. In addition, there is the concept of the population “getting used to” various innovations. And if a few years ago consumers shied away from strange cars, today everything is exactly the opposite. They have become very popular and, most importantly, are in great demand, which again confirms the relevance of organizing your own network of such machines.

What do you need to start a business?

What do you need to install a payment terminal? Businessmen and entrepreneurs can organize their own company in the instant payments market. To do this, you need to purchase all the necessary equipment, connect to payment systems and choose a suitable place to rent. You will have your percentage of each transaction performed by your clients.

Commissions pay for rent, equipment costs and bring tangible income to owners. Of course, you are already puzzled by the question of how much profit one payment terminal brings. And you probably already thought that this was a penny. In fact, substantial commissions were passed through the terminals before a serious conflict occurred between the owners of the terminals and the well-known company Kcell. The essence of the showdown concerned the restrictions on the commission that was charged when making payments.

According to the position of terminal operators, after this restriction was introduced, their income fell by a third. And this, by the way, is natural, since the company’s turnover, which brought such confusion to the market, is estimated at 30 to 50% of the total number of all electronic payments made. According to the well-known QIWI service, cellular operators make good money in this business, their share in the total turnover sometimes reaches 75%. And yet, with the right and rational approach, this type of business can turn out to be very, very profitable.

Experts in this area note that in the next 5 years such payments will become the most popular, both in Russia and Kazakhstan, as well as in a number of other CIS countries. Why? It's simple.

Such a business is beneficial to absolutely everyone. Just think: the payer gets the opportunity to instantly make a payment (and without interrupting his own affairs, somewhere in a supermarket), the provider “makes money” on the connection, and the owner of the terminal withdraws his interest.

Everyone is happy and comfortable. Therefore, the number of instant payment points is expected to increase in the near future. Installing payment terminals is truly a comprehensively profitable and promising business! He has a great future.

How to install your terminal?

So, we have already decided that this business has all the prerequisites for development, that the niche has not yet been filled, that it is still possible to enter the market and start your own business.
Now let's look at how to install your own payment terminal. In order to start accepting instant payments, you need to:

1. Register as a legal entity.

2. Select the location where the payment terminal will be installed. It is very important. It is imperative that the area be crowded. One of the best places is the entrance to the hypermarket.

Don't forget the main thing - the more people pass by, the more money you can collect. However, the amount of rent will also not be small.

3. Invest in terminals.

4. Choose the right payment systems for the payment terminals with which you will work, sign the appropriate agreement and open a specific account. They act as an intermediary between the owner of the payment terminal and organizations. The more partners payment systems can service, the correspondingly greater range of varied payments you will be able to provide to clients.

Now let's look at the names of payment acceptance points.

Self-service terminal. As the name suggests, it is designed to allow customers to make all necessary payments themselves. The information provided on the monitor is structured. Also, for the convenience of users, all types of payments are divided into thematic groups. All this allows the client to quickly and without any “problems” carry out all operations.

POS terminal. The name can be literally translated as “point of sale.” It is a compact, autonomous type terminal, the design of which allows it to successfully operate both from the network and from the built-in battery. This type of equipment is usually installed at checkout counters in various stores. A POS terminal is an excellent additional income for owners of retail outlets.

Payment point. This system is convenient for those who do not want to invest a lot of money in the business. It is compact and its equipment is inexpensive. The point can be organized only with the help of a laptop and, of course, software. As we have already noted, such a solution will cost the owner much less than all of the above. In this case, the payment point can be expanded (or, if necessary, collapsed) in the shortest possible time.

And now a few words about investments

The main advantage of the business discussed in our material is, of course, the insignificant labor costs required for its organization and subsequent work.

The cost depends both on the device model and on the availability of various additional capabilities of this type of equipment. This, in fact, is where the main investments are limited. If you don’t even have these financial resources, you may not buy the equipment, but rent a payment terminal. In this case, you will need to enter into an appropriate agreement with its owner. This practice, like any other, has its pros and cons.

In general, the payback of this type of business is such that it is better and more correct to purchase good equipment once and after 5-6 months begin to calculate the net profit, than to rent a payment terminal and additionally throw away money on its repair (which is possible) and on paying commissions to its owner.

More is better

In order to start earning really big money, you need to organize not just two or three terminals, but develop a whole network of instant payment systems. Only in this case will the payment terminal as a business begin to bring in good money.

And if things don’t work out in one place, then profits from other places can cover costs and expenses and quickly recoup your investment. Experts in this business say that for a successful start you need to have at least three terminals (however, their opponents often mention the number 10). For Russia, we have no information about the exact amount of finance to fully start a business.

Let's take an average amount as an example: for these purposes, approximately 200,000 rubles are needed. This amount includes the cost of equipment and the initial financial resources necessary for turnover. With such investments, there is a high probability that the payment terminal as a business will become very, very successful for you, regardless of whether you start it in Moscow or, for example, in Almaty. Have a good start!

Service

How does the payment terminal work? Who serves it? In order to maintain the equipment in working order and ensure its normal operation, a small staff is required. So, for example, a company with 8 terminals can be managed by only 1 person, but if you have 5 or more employees, then you will be able to successfully manage a company servicing several dozen instant payment points.

The advantages of such a business are that in order to engage in it, you do not need to have huge warehouse premises, rack your brains over logistics, or deal with various paperwork with clients (for which you need to maintain a staff of lawyers).

The good thing about a payment terminal as a business is that your task here is only
in order to correctly place your equipment (here it is important to maintain a balance between the “crowding” of the place and a more or less acceptable rent) and monitor the collection process and the proper operation of the terminals.

By the way, before starting this interesting and very profitable business, it is worth considering one point in detail. To successfully start any business, you simply need to have a business plan; a payment terminal is no exception. What does it mean?

You need to think through an approximate plan for the operation of each of your points. You must understand that if one of them is not able to raise the funds necessary for the payback of the entire enterprise at first, the others will be able to do this.

It is also important to have a well-thought-out strategy for developing your business overall. For example, this month you start working with three points. After two months, you connect three more devices to your network. By the end of the year, you should have a network with more than a dozen terminals in operation.

How much should you invest right away?

You will immediately need to spend a decent amount on purchasing equipment. We have already told you about its cost earlier. It is worth adding to the above that the most expensive devices may be those intended for installation on the streets. This is not at all surprising. As you understand, they must withstand constant exposure to various precipitation and atmospheric conditions.

Therefore, the equipment is manufactured with an increased level of strength. Such devices, unlike “greenhouse” devices designed for indoor use, can cost up to $9,000. Therefore, weigh everything several times before deciding to purchase. It may be beneficial for you to negotiate with the store administration about the location of your point, rather than installing it, albeit for a lower rent, on the street (but investing money in more expensive devices).

Let us remind you that there are also free solutions. These include software for servicing cash registers. In this scenario for building a business, you simply won’t need to buy terminals.

Monthly expenses

First of all, this is the rent. Its cost depends on many factors: the city, the size of the store and its traffic, your individual approach and ability to negotiate. You can install a payment terminal at a price that is favorable to you if you describe in vivid colors all the advantages of this point directly for the customers of this store. The management of any shopping pavilion or hypermarket will be interested in providing its customers with maximum service.

Systematic replenishment of a specific account - its size depends on the number of your instant payment points at a specific dealer. At the same time, as soon as you have made the necessary payment for the service, it is immediately debited from a special account of the owner of the payment acceptance point and sent to the wallet of the provider of this service. By the way, only thanks to this is “immediate” payment ensured.

Payment for Internet traffic (GPRS). It varies depending on the city and country where you are going to set up your business. However, even at maximum load it does not go beyond $30-50.

It is also necessary to highlight various deductions in a separate article. These include taxes, collection services, the work of technical personnel and the labor of hired employees.

How much profit does one payment terminal bring?

So, gradually, we got closer to the answer to one of the most interesting questions. Depending on your service provider (provider, telecom operator), commissions can range from 0.2% to 7% of the payment amount. Not bad, right? There is also a special additional commission. As a rule, it can be collected by the terminal owner from his clients. The amount is not fixed. It may be charged as a percentage of the payment made.

Self-sufficiency

Now let's talk about when you can achieve net profit. Knowing how much the equipment costs, what the rent for its location is, as well as other costs, you can roughly calculate when payment machines will start working in profit. For example, 3 terminals can pay for themselves in 4 months of operation. But this is provided that there is sufficient crowding and traffic flow of the place. If this is not the case, then the payment terminal as a business will be less successful.

You can justify your investment in 8 months. But again, it all depends on what point it is. If we talk about the specific profit from it, then according to information from Kazakh businessmen, it is approximately 35 thousand tenge. OSMP gives approximately the same figure. In their opinion, the instant payment market is currently experiencing rapid growth. This is why terminals for accepting payments pay for themselves on average within a year.

A spoon of tar

However, despite the popularity of this service among the population, business payment terminals have recently reduced their turnover somewhat. Experts say that just a couple of years ago, profits were significantly higher than they are today. Today, the owners of instant payment points are content with the profit that would not have satisfied them at the dawn of this field of activity.

This business (payment terminals), due to the emergence of fierce competition and the not entirely adequate policies of mobile operators, lost almost 50% of its profits. However, this does not mean that you should not invest in such a business. Of course, now is not the “dawn” of terminals, and you will no longer be the first, but you can still conquer a certain niche. The most important thing is not to sit idly by, but to constantly act and find unexpected moves. In this case, such a business (payment terminals) will work for you!

As in any business, in order to compete and at the same time constantly expand your network, it is important to work all the time. But what exactly needs to be done to ensure that your network of terminals brings you profit? And the payment terminal as a business was constantly growing? Pay special attention to several main points:

Increasing the number of your points and installing payment terminals should occur constantly if the necessary funds are available.

You should constantly increase the number of your partners for whose benefit you will accept payments. This is the point that may depend not only on you, but also on the payment system you choose. Here it would be more correct to monitor the activity of this system and, if it does not expand the number of its partners for a long time, simply change it to a more successful one.

Constantly monitoring how passable the points are. One of the common failures in this market is precisely due to the fact that the entrepreneur chooses the wrong place to place the equipment. If profits have dropped sharply for a long period of time, then it is better to close the point or move it to a more profitable location. Installing payment terminals in a public place will ensure the success of the entire business.

Work on the quality of the service provided. It is quite possible that this point cannot be attributed directly to expanding your network, but in reality it can have a very serious impact.

Summary

Let's summarize. Before starting a business in the field of instant payment, realistically assess your financial capabilities. Then write a business plan. Keep in mind that force majeure is possible, so set aside some amount for unforeseen events. Next, purchase equipment.

If your budget is small, then abandon street terminals in favor of those that are located only indoors. Now recruit staff and determine the most crowded, but at the same time not very expensive places to locate your points. You already know how to install a payment terminal in a store. It is necessary to negotiate with the management of the supermarket and agree on the cost. When all the contracts are signed and your “network” is in place, start tracking your profitability and making your profit!

Despite the fact that this niche cannot be called new, there are still loopholes for successfully entering the instant payment market, which means you can earn your million in this simple and interesting business! The most important thing is not to lose heart or give up under any circumstances. Even if your business does not immediately produce the desired result, do not despair and try to find new points for your equipment.

It is possible that new stores will allow you to earn good money. Also constantly expand your business contacts. Perhaps one of the new partners will be able to give you a valuable idea that you can implement, or will recommend good quality terminals at affordable prices.

Every day people pay for dozens of different services - telephone, Internet, television, etc. In Moscow, the market for payment terminals is already saturated; large shopping centers have 10-20 different devices. The regions have not yet developed a network of terminals, so you can easily organize your own business accepting payments here.

Installing the terminal does not require the owner to obtain additional licenses or permits (except for registration as a legal entity or individual entrepreneur). To place one terminal you need an area of ​​1 sq.m and a 220V socket. Information is transferred from the device to the server via a built-in wireless modem.

Starting your own payment acceptance business is quite simple - just:

• purchase equipment;
• choose and rent a place;

Advice: use places with large crowds of people to install the terminal - train stations, airports, shopping centers, indoor markets, etc.

• install terminal;
• get a profit.

How does the payment terminal work?

Every day, when using payment terminals, most people do not think about how payment is made and where the money is sent after placing it in the bill acceptor.

The operating principle is simple:

• the payer, using a graphical interface, selects the service required for payment;
• money is placed in the bill acceptor and verified for authenticity using specially installed automatic sensors;
• after the money arrives at the terminal, information about making a payment using the built-in modem is transmitted to the processing center of the payment system;
• after processing by the processing center, the payment information is sent to the bank where the owner of the terminal has an account;
• funds are debited from the bank account in the same amount as the payment amount;
• funds from the account go to the final recipient, that is, the organization whose services were paid for by the user;
• information about the successful completion of the operation is sent to the recipient.

All these actions happen every time we top up our account through the terminal. All payments are made automatically. Carrying out all the described stages takes a matter of seconds.

How much does a payment terminal cost?

The terminal business attracts many investors due to its low initial costs. Let's calculate how much it will cost to install one payment terminal.

The cost depends on the manufacturer, the “filling” of the model, functionality, degree of protection against vandals and much more:

• The average cost of a terminal is 50,000 rubles.
• Rent of space in a shopping center, airport, train station - from 3,000 rubles per month.
• The initial contribution to a bank account is 50-100 thousand rubles.
• Thus, the initial costs of organizing a terminal business are 150-200 thousand rubles.

How much does a cellular payment terminal cost?

Almost all terminals sold by manufacturers today support payment for cellular communications. When purchasing a large batch of payment terminals, their cost is reduced to 20,000 rubles per device.

Payment terminals - what are the benefits for the owner?

The profit of terminal owners depends on several factors:

• convenient location;
• wide range of services provided;
• thoughtful advertising campaign;
• fast communication between the device and the processing center.

The owner makes a profit due to two components:

• commission charged from the payer;
• reward from the payment system.

The commission charged to the payer is determined by the owner of the terminal. As part of an advertising campaign, you can completely remove the commission in order to attract the attention of payers. In the future, it can be increased to 3-5% of the payment amount.

The amount of remuneration from the payment system depends on the terminal turnover. As a rule, it varies between 0-3% of turnover and depends on the average check for one terminal. The higher it is, the higher the profitability of the entire business and the reward of the payment system.

Payment terminal as a business - reviews from owners

Andrey, Novosibirsk:
Terminal manufacturers are being a little disingenuous when they say in reviews that the terminal business in the regions is not saturated, that all you have to do is buy a device, install it and get paid. In fact, to get a decent income you will have to run around looking for a suitable place. All good places, as a rule, are already occupied, so I advise you to pay attention to only shopping centers under construction, where large owners of terminal networks have not yet settled.

Alexander, Ekaterinburg:
I started my business 5 years ago with one purchased terminal. I was lucky with a place; it became available in one of the large shopping centers. Profits grew gradually. Later I purchased several more payment terminals from large suppliers, where the choice of services was much larger than my first one. The terminal business is my passive daily income.

Elena, Ryazan:
To quickly recoup business expenses, you need to purchase several terminals at once - from 10 or more. I did this myself, it was difficult, but I worked together with a friend, because it is impossible to keep track of all the devices on my own. The business of accepting payments does not take much time, and I receive funds for new terminals from the rewards of payment systems.

The time when payments for communication services were made only at operator offices is long gone. Today, users have a variety of payment methods to choose from. The most accessible way is to use terminal networks. How to pay for Internet from Rostelecom through a terminal and what is needed for this? First you need to remember that there are two types of terminals:

• Bank terminals - they belong to banks and are very similar to ATMs, but they can only accept funds without dispensing them;
• Payment terminals belong to payment systems and are focused exclusively on accepting cash.

The payment process in different terminals is different, so we recommend that you read our review.

Payment in payment terminals

There are a lot of terminal networks through which you can pay for Internet from Rostelecom. They are installed on the streets and in stores by Cyberplat, Qiwi, Deltapay, Information Systems and many others. Some of them belong to banking structures. Also It should be noted that there are terminals from Russian Post- They are available in many post offices. Therefore, we can pay for Internet from the largest Russian provider literally in every point of our country.

It is difficult to give recommendations on the use of terminals from a particular network. The thing is that the amount of commission for payments differs even within the same network. One terminal may charge a commission of 3-4%, and another - 7-8% (the total commission is set by the network and the owner of the establishment where the terminal is located). Therefore, you need to go around all the nearest terminals and find out the size of the commission according to the “less is better” scheme.

For our part, we can recommend Qiwi terminals. This is one of the largest payment systems in Russia, ensuring fast processing of payments for any purpose. As for Rostelecom, money is credited to its accounts in a matter of minutes. In separate terminals the commission is very low, thanks to which you can save money. How to pay Rostelecom through the terminal? Let's explain using Qiwi terminals as an example:

• Select the item “Payment for services”;
• Select the item “Internet and telephony”;
• We find the right operator;
• Select the point for depositing funds for the Internet from Rostelecom;
• We deposit the required amount;
• We click on the payment button and receive a receipt at our disposal.

The approximate scheme also works in many other terminals from other payment systems.

Once you receive a check in the terminal, keep it until the payment arrives in your personal account. If a check is lost, filing a claim for lack of funds or for an erroneous payment will be problematic.

Payment at bank terminals

Payment for the Internet by Rostelecom through bank terminals is most often made without commission. In any case, this is true for Sberbank terminals. In order to make a payment, you need to find the address of the nearest terminal - addresses are published on the bank's website. Payment can be made in three ways:

• Payment in cash;

A nice bonus is that here we can find out the balance on our personal Internet account and deposit the correct amount. When making a payment, do not forget to indicate your service region. Next, select a payment point for the Internet and deposit funds. When using a bank card, the PIN code is first entered, and only then the payment is made. Don't forget to pick up your check– it will help in situations with erroneous crediting of funds.

It must be remembered that in some regions the Internet from Rostelecom is represented by other brands - in Moscow it operates under the Online brand. The ability to find out the balance on a personal account also depends on the region of service.

If you're tired of your operator

Guys, we know very well that operators raise prices and force subscribers to connect to services that the latter do not want to use. Fortunately, now there is a great opportunity to move to another operator with your number. There are virtual operators that provide very good rates and cool perks when porting a number. One of them is Tinkoff Mobile, which is increasingly being chosen by visitors to our site.

According to statistics, 80 percent of all Rostelecom users come to the operator’s office to pay for Rostelecom services - cellular communications, Internet or interactive television. And this is when there is a sea of ​​ATMs and payment terminals around? How to improve this situation? Learn in theory how Rostelecom pays through a terminal or ATM in detail.

For some reason, many are afraid of payment terminals like fire, believing that the commission charged is equal to the subsistence level. Is it worth waiting 2-3 hours in line for the sake of 10-15 rubles maximum? This is the payment that the terminal will take for its services. Do you really value 2 hours of personal time at 10 rubles - then continue to stand in lines.

Everyone else is invited to pay for Rostelecom services through the terminal:

• This is a device aimed at accepting money, converting it into electronic form and sending it as payment for a particular service.
• The most common are Sberbank and QIWI terminal kiosks.
• Before you go looking for a terminal, write down on a separate piece of paper or take a photo on your smartphone the personal account number of the service you intend to pay for. This information will help you complete the task faster.

If we take QIWI terminals, then QIWI devices have a single button for paying for Rostelecom services. You click on it, enter data, deposit money, make payment. That is: enter the account number, insert banknotes. The unit itself will tell you what and how to do. Some devices have a voice assistant that will indicate when to deposit funds and exactly how to enter personal data.

It happens that you are in one city or region, but you need to pay for communication or Internet in another. No problem - in the list of cities, it usually appears at the top, you need to select the locality you need.

If you pay through a Sberbank terminal, the commission will not be withheld - Rostelecom and Sberbank are state partners, which is convenient for ordinary users.

Now you know how to pay for Internet with Rostelecom - it’s easier than you thought. At the stage of depositing money, you can still cancel the operation - just click the cancel button and get your funds back.
Through the terminal you can pay not only for the Internet, but also for any other Rostelecom services. Enter your personal account, enter the transfer amount, click pay. By the way, this is exactly how you can pay with Rostelecom at any time of the day when the company’s office is closed due to the end of the working day.

Payment by Rostelecom via ATM

Paying for Rostelecom services via an ATM is even more convenient for a number of reasons:

• you can perform several tasks at the same time;
• everything is as accessible as possible, even for those who have an ATM on you;
• any operation can be canceled, even if you have already made a payment - to do this, you will need to contact a representative of the bank whose card holder you are and write a corresponding application.

Instructions on how to pay Rostelecom via an ATM are as follows:

1. insert the card into the card reader;
2. enter your PIN code;
3. select the service you need;
4. enter your phone number or personal account;
5. enter the amount you intend to deposit;
6. click the pay button;
7. request a paper or electronic check.

Important: when you make a payment through a terminal or ATM, be sure to request a receipt. Technical problems and errors are very rare, but they do occur, so as not to become a hostage to an unpleasant situation, but to have confirmation of payment in hand, keep payment receipts for at least 2-3 months.

It is convenient to pay through an ATM, because you can do this at any time of the day, on a holiday or a day off. You do not need to adapt to the work hours of the provider’s office, change your plans or schedule, so as not to remain in debt.

You and your family are walking around the shopping center, and suddenly you remember that your Internet is not paid for. And this must be done today, otherwise they will turn it off. Are you really going to drop everything and run to the Rostelecom office before it closes? It even sounds ridiculous. In this situation, it makes more sense to find payment terminals and, for example, pay through Qiwi to Rostelecom.

Conclusion

Progressive people who value their time have long used terminals and ATMs to pay for Rostelecom communications, Internet and TV. No problems or troubles usually arise. Usually the money reaches the recipient exactly on time: it doesn’t matter whether the person deposited the money through a terminal or a banking unit.

Write down your personal account number and amount to pay in advance to quickly find your way around and save your time.

Even if you are charged a commission, it will not exceed 15 rubles. Nowadays this is two packs of matches maximum. Is it worth standing in huge queues at the provider’s office for them?

In the twenty-first century, it is difficult to imagine a person who would not use cellular communications. It is even more difficult to imagine a person who would replenish the balance of his mobile phone with postal orders. After all, everyone knows that there are many convenient, safe and fast ways to replenish your mobile balance.

The leading position among these same methods is occupied by payment for cellular communications through Qiwi. And all because the Qiwi electronic payment system does everything to make paying for various services, including cellular communications, simple and safe. There are several payment methods for the user to choose from.

Payment for cellular communications through Qiwi terminals

In the hustle and bustle of everyday life, it is very important not to forget to top up your mobile balance so as not to be left without communication. You can do this on your way to work, on business, or just while walking, because Qiwi has the widest network of branded payment terminals. To make a payment through the terminal, you need to select the Payment for services tab on the main screen, and then go to the Cellular section in the menu that appears.

A form will appear in front of you in which you will need to enter the phone number of the recipient of the funds, then carefully check the entry and press the Forward button. After this, you will need to enter funds into the bill acceptor, while remembering that the terminal does not issue change. The commission at this moment will be displayed on the screen.

Payment for cellular communications through Qiwi wallet

You can top up the balance of your mobile phone or your family and friends using the Internet. To do this, go to the official Qiwi website and log into your personal account. In the main menu of your personal account, go to the Payment for services tab, and then select the Cellular tab. Enter the recipient number and the top-up amount in the entry form that appears. The service fee will be displayed on the screen.

Don't forget to check that the data you entered is correct, and then confirm the operation using a special code that will be sent to your phone via SMS. At this point, the replenishment can be considered successful; you can view all these operations in a special section of your personal account.

Payment for cellular communications through the Qiwi mobile application

For advanced users, Qiwi has developed a convenient mobile application that can be downloaded to your smartphone or tablet from the official Qiwi website or from the official store of the operating system of your mobile device. After installing the application and logging in, go to the Payment for services section, and then the Cellular section.

You will see fields for entering the number and replenishment amount, fill them out, and then double-check the data you entered. A fee for making a payment will appear on the screen. If you are satisfied with everything, confirm the operation using the SMS code.

After this, the operation is completed, and the money is already on its way to its recipient.