Current account in otp bank. Acquiring for business in OTP Bank Connecting acquiring in OTP Bank

A bank card is one of those inventions that were created to make human life easier. Over time, the list of functions initially included in it has expanded significantly, and now the card is used by a much larger number of people. Over time, acquiring arose - a method of performing an operation involving a plastic card and a reading device. At the moment, the terminal often plays the role of this device. This way, the merchant or teller can contact the bank to complete the transaction.

Bank and acquiring

The Central Bank of Russia defines the concept of an acquiring bank as follows: An acquiring bank is a credit organization that carries out settlements with trade or service enterprises for transactions made using payment cards and/or issues cash to payment card holders who are not clients acquiring bank.

A financial institution of this type may perform other functions:

emission;
acquiring;
issuance of plastic cards.

The basis for this is the internal bank rules established in accordance with current legislation. However, everyone is switching to cards not only because it is convenient.

	Advantages
Buyers	1. Simple calculation method.
Buyers	2. Eliminating the possibility of incorrect delivery.
Organization	1. Eliminating the risk of counterfeit banknotes.
	2. Savings on collection.
	3. Increase in sales volume (card holders are more prone to spontaneous purchases).
	4. Receiving additional banking services, participating in discount programs.
	5. Obtaining a more prestigious status in the eyes of clients.
	6. Free staff training.
Bank	1. Expansion of opportunities due to greater cash flow.
Bank	2. Increasing the number of regular customers.

As you can see, conducting a transaction using acquiring is beneficial to everyone. As for this service from OTP, you can also add to the listed benefits for companies:

free installation of terminals or other equipment;
free provision of consumables and advertising materials;
the possibility of re-training staff if necessary (it is free, like the first);
fast deposit of funds;
tariff flexibility;
providing advice in case of difficulties;
no payment for using terminals.

OTP Bank tariffs for individual entrepreneurs and legal entities

OTP Bank offers clients cooperation within the framework of trade acquiring. Organizations that strive to achieve the goal of accepting cashless payments can look forward to the above-mentioned benefits. Service tariffs are calculated based on the company’s monthly cash turnover. Newly arrived users will receive a basic fee for each card transaction with a fixed volume. The manager representing the financial institution will transfer you to standard conditions in the future. This takes into account the duration of cooperation and changes in the organization's turnover.

The following indicators were recorded:

Regardless of the turnover, the monthly payment for the service will be at least 4 thousand rubles. If transaction fees are less than this amount, at the end of the month the bank will write off the remaining amount of funds from the client. The rule applies to each terminal installed by bank representatives.

At the moment, OTP Bank does not provide mobile acquiring services.

Terms of cooperation can be downloaded from the official OTP website. To do this, go to the website https://www.otpbank.ru/.

Open the "Business" tab.

Click on the "Small Business" button.

Scroll down and click on the “Acquiring” button.

We can say for sure that acquiring is a convenient and simple service that benefits everyone who uses it. Banks are expanding the circle of their users, companies receive high-quality comprehensive services, and customers do not have to run to the ATM one more time. The terms of cooperation are easy to find on the website, all that remains is to wish its clients the same ease of use.

What is acquiring? Acquiring is payment by cards. Acquiring services include cafes, shops, online stores, delivery services, taxis, and concert ticket sellers.

In regular stores, customers tap their card on the terminal and pay for their purchase. To pay on the website, the buyer enters card details and sends them to the store. In both cases it is an acquiring system.

There are three types of acquiring:
Internet acquiring - for payments on websites and social networks;
trade acquiring - for shops and cafes;
mobile acquiring - for mobile points and couriers
.

Acquiring is payment by cards. Acquiring services include cafes, shops, online stores, delivery services, taxis, and concert ticket sellers.

There are three types of acquiring:
Internet acquiring - for payments on websites and social networks;
trade acquiring - for shops and cafes;
mobile acquiring - for mobile points and couriers
.

Who needs acquiring services? Retail outlets with a turnover of 60 million rubles per year and more. Such stores are required to accept cards for payment. This is a legal requirement.

Online stores. If you sell online, acquiring will help you accept cashless payments. This will help fight the cash gap: you don’t wait for the delivery service to collect cash payments from customers and send them to you, but receive the money immediately into your account. Without acquiring, it is difficult to pay for a purchase with a card: you need to go to the Internet bank and fill out the store details. The money will arrive in three days. Acquiring will save time for you and the buyer.

Regular store or cafe. If you only accept cash, sellers will have to find change and buyers will have to find a nearby ATM to withdraw money. Acquiring eliminates this problem: the buyer pays by card and the seller issues a receipt.

Delivery services. If the courier carries an acquiring terminal with him, he does not need to carry change with him and worry about the safety of cash while he is on the road.

Retail outlets with a turnover of 60 million rubles per year and more. Such stores are required to accept cards for payment. This is a legal requirement.

Delivery services. If the courier carries an acquiring terminal with him, he does not need to carry change with him and worry about the safety of cash while he is on the road.

Why is it needed? Acquiring helps stores increase revenue, make customers more loyal, deal with queues and establish cooperation with the bank.

With acquiring there are more chances to increase revenue. Imagine that there are two buyers: Andrey and Marina. Andrey pays in cash, and Marina - by card. If the store does not have acquiring, only Andrey will make the purchase, and if there is, both will make the purchase.

Payment by cards is faster than cash. The cashier does not ask the customer to find smaller money and does not look for change, which means he serves faster. This is how acquiring deals with queues.

With acquiring, the bank sees account turnover. If the store needs a loan, this will help the bank make a positive decision.

Acquiring helps stores increase revenue, make customers more loyal, deal with queues and establish cooperation with the bank.

Payment by cards is faster than cash. The cashier does not ask the customer to find smaller money and does not look for change, which means he serves faster. This is how acquiring deals with queues.

With acquiring, the bank sees account turnover. If the store needs a loan, this will help the bank make a positive decision.

How much do acquiring services cost? If you connect acquiring in Modulbank, you only need to pay commissions on purchases, there will be no monthly fees. If you sell not on the Internet, but in real life, you will also need a terminal.

Banks often rent out terminals. Then the seller pays a subscription fee every month, and the bank can take away the terminal if the store’s turnover decreases. This is especially inconvenient for those who have seasonal sales, for example, an ice cream truck or goods for the garden.

In Modulbank you receive ownership of the terminal: pay for it once, and the terminal is yours. We won't take him away.

The commission on purchases depends on the type of acquiring and the tariff that the client has subscribed to. The minimum commission on a purchase is 1.5%, the maximum is 2.3%. The simplest terminal for acquiring costs 13,000 rubles, the most expensive - 27,000 rubles.

If you connect acquiring in Modulbank, you only need to pay commissions on purchases, there will be no monthly fees. If you sell not on the Internet, but in real life, you will also need a terminal.

In Modulbank you receive ownership of the terminal: pay for it once, and the terminal is yours. We won't take him away.

How to connect acquiring?

For online acquiring, we will send you an SMS code with which you sign an application to add an online store. We tell you the steps you need to take to embed acquiring on your website. Typically, embedding acquiring on a website takes no more than 20 minutes.

If you are already a client of Modulbank, write to us in the chat. We will send you a form: we will fill out some of it for you, and you will fill out some of it yourself. We will check your application - this takes one business day. After this, we will send you an acquiring application. After this, you need to conclude an agreement.

For merchant acquiring, we will send you the terminal ourselves.

Are you looking for a simple solution to increase the competitiveness of your business and attract new customers?

OTP Bank offers favorable conditions for connecting merchant acquiring to accept non-cash payments using stationary POS terminals.

Advantages of acquiring from OTP Bank for individual entrepreneurs and enterprises

Having equipment that allows you to accept plastic cards from popular payment systems is a prerequisite for successful business development. In this way, it is possible to reduce collection costs, reduce the risk of receiving counterfeit banknotes and increase turnover.

OTP Bank offers its clients the following guarantees:

prompt consideration of the submitted request to connect the service;
provision and setup of POS equipment free of charge;
no requirements for a minimum turnover of funds to obtain a terminal;
prompt crediting of proceeds to the current account;
Availability of 24-hour support service;
free training for employees to use the devices;
flexible acquiring rates;
free provision of promotional products and consumables.

By contacting OTP Bank, you will be able to accept plastic cards with payment systems Visa, MIR, MasterCard, UnionPay and JCB.

It is worth noting that training in working with POS equipment is provided free of charge. In this case, the client has the right to order training more than once. For this purpose, you need to submit a corresponding application to the bank office.

Tariffs for acquiring at OTP Bank for legal entities and individual entrepreneurs

Currently, the bank provides only merchant acquiring services. For clients wishing to accept non-cash payments, stationary POS equipment is provided and configured free of charge. In this case, we are not talking about rent, because the bank does not charge a subscription fee for using the terminal.

Tariffs for trade acquiring at OTP Bank depend on the monthly turnover of the applicant (individual entrepreneur or company). New customers are given a base commission rate for each card transaction made, which has a fixed amount.

In the future, it can be changed to the standard rate by the decision of the bank manager. The specialist takes into account the terms of cooperation and the growth of the client’s turnover.

Regardless of the turnover of individual entrepreneurs or organizations, they must pay at least 4,000 rubles for trade acquiring within a month.

For example, if transaction fees for a month are less than this amount, the bank withholds at least 4,000 rubles from the client. This rule applies to every terminal installed by the bank.

For example, if during the month 3,500 rubles were written off from you for all transactions carried out through the device, at the end of the reporting period the bank will deduct an additional 500 rubles from you.

OTP Bank does not currently provide Internet and mobile acquiring services. Clients can receive exclusively stationary equipment for accepting non-cash payments using cards of popular payment systems. Thus, it will not be possible to find out the conditions for connecting to mobile and Internet acquiring and tariffs at OTP Bank.

Connecting acquiring in OTP Bank

This service can currently only be activated in bank offices. For this purpose, a client who has one will need to contact the manager with a passport and some other documents.

The specialist will provide an up-to-date acquiring application form and other forms, if necessary, after which the corresponding agreement is concluded.

If you do not yet have an account, you will first need to open one by providing a certain package of papers to the office. You can apply online through the bank's website. Registration of the account is carried out as soon as possible. In this case, the client has access to the service of booking account details.

Would you like to know as much as possible about the service before activating it? Contact a bank specialist at toll-free number 8-800-100-55-55 or 0707 (for MTS, Tele2, Beeline and Megafon subscribers), contact the nearest office or write to the bank by filling out the electronic feedback form .

You can find out the location of the nearest branches for working with business clients using the corresponding online map on the OTP Bank website.

Documents for acquiring acquisition at OTP Bank

The list of documentation depends on the status of the applicant, the presence or absence of a current account with a given bank and some other factors.

You can find out what papers will be required in your case to connect acquiring, from the support service or from a specialist in the office.

The minimum set of documents to receive the corresponding service is required to be presented to clients who have an active account with OTP Bank. As a rule, additional services and options are activated immediately after concluding an agreement on opening an account.

Reviews about acquiring at OTP Bank

Ivan Vasilievich, Tomsk

A good bank that provides quality services. I connected to merchant acquiring a couple of months ago, the rate is simply excellent. And the terminal was provided completely free of charge; you don’t even need to pay a subscription fee for use. It turns out to be very beneficial for business.

Georgy, Krasnoyarsk

I have been cooperating with OTP Bank for a year now, so I can definitely say that the quality of service here is excellent. A couple of months ago I connected acquiring, the terminals work smoothly. At the same time, the bank provides many services free of charge - they issued the equipment and set it up without problems, provided training materials, and advised employees on the operation of the devices. Great bank!

Alla, Yaroslavl

Equipment for accepting plastic cards is expensive, but OTP Bank provides it for free! Moreover, he takes a low commission from each transaction! Somehow the terminal started to freeze, I contacted the manager, and they quickly fixed the problem. This is the kind of service you count on when you open a bank account. Everything for business development.

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