Cash register devices with acquiring are a relatively new type of trade and cash register equipment used for making payments in cash and non-cash methods. A cash register with the option to accept bank cards should be used in retail outlets with high customer traffic. The buyer must be able to make payment by any means, otherwise, if there is no cash, he will not make the purchase at all.

Why buy online cash registers with acquiring

A terminal that accepts bank cards is more expensive than other equipment. But the cost of purchasing a cash register of this type pays off quickly.

There is an increase in the popularity of payment cards. If your store does not have a terminal for card payments, or the cash register does not support the function of accepting non-cash payments, then you may lose at least 15% of your customers.

Acquiring allows you to make impulse purchases. If the client does not have enough money to purchase a product or order a service, and your cash register does not accept cards, then he will simply refuse the purchase. The presence of an ATM in the cash register area will not save the situation: withdrawing money from a bank card is not always profitable for customers, since some banks charge a commission when issuing cash.

Using acquiring allows you to speed up the cashier's work: there is no need to count change or check the authenticity of banknotes accepted for payment. Customers with cards are served much faster.

Non-cash payments with bank cards allow you to reduce the cost of cash collection. There is no need to waste time counting banknotes, checking their authenticity and carrying out other operations.

Choosing a cash register with a built-in card terminal

There is a wide selection of devices available that vary in size, functionality, speed and operating method. For supermarkets, gas stations, fast food establishments and high-traffic stores, it is worth choosing payment devices with an ergonomic keyboard.

A terminal with the option to accept bank cards differs from conventional machines in its compact size and light weight. This card payment terminal is suitable for:

small shops;

pharmacies and pharmacy points;

• shopping kiosks;

  food trucks;

  public catering establishments (fast foods, bars, fast food outlets);

  service industries (hairdressers, car washes, beauty salons).

The peculiarity of portable equipment is that it can work autonomously, that is, it does not require a network connection. Our catalog contains modern models of mobile online cash registers with acquiring for payment, the battery of which can be charged both from the network and via a USB cable. Typically, the battery charge of such a device for paying with bank cards lasts for the entire working day, even if there is a high customer traffic. Therefore, when choosing a portable cash register with the ability to accept cards, you can ignore this parameter.

Where to buy cash register with acquiring

It is worth purchasing cash registers for accepting plastic cards only from those companies that have a license for the sale and maintenance of equipment obtained from the State Expert Interdepartmental Commission. You can easily register such equipment with the Federal Tax Service, as it will comply with legal requirements.

Prices for online cash registers with acquiring start from 30,000 rubles. Which seems to be more expensive than simple models that work without accepting cards, but in fact they are cheaper. If you purchase an acquiring terminal and cash register separately, then in the end such a set separately will cost about 40-50 thousand rubles. Plus, you will have to spend additional money on setting up and connecting this equipment.

We offer our services to enterprises and organizations registered in Moscow or Moscow Region. You can order stationary and mobile terminals from us for accepting payments by plastic cards. You can enter into a service agreement with our company. Avangard Service is a leader in the field of automation and integrated equipment of enterprises.

The catalog of the Avangard Service online store presents modern, proven cash register equipment with the ability to accept bank cards. We offer models from well-known manufacturers. Thanks to a wide range of devices, you can easily select a cash register for accepting cards that will fully comply with the specifics of your business.

We have automated dozens of large and well-known enterprises. We will be happy to help your business too!

A POS terminal is a device that allows you to pay for services and goods in almost any accessible place. The user inserts the card and enters the PIN code to identify the bank client. Next, the information is sent to the acquiring bank and the money is debited from the account of the issuing bank of the plastic holder. The device, in turn, issues a receipt indicating the transaction completed. Today in the article we will look at the question - how much does a terminal for paying with plastic cards cost?

NOTE! This site is informational and is not a store. All prices provided below are average values ​​in online stores. Also, the list of products is not exhaustive. Online you can find options, both better and worse, for any business or cause.

Kinds

1. Autonomous– where the main brain module is located in the device itself and does not require connection to a PC, smartphone or other computing device. Divided into:
   1. Stationary– provided without a battery and located in one place.
   2. Mobile– a large unit with a rechargeable battery for carrying anywhere.
2. Modular– as the name implies, it has several working modules responsible for their function. It is usually divided into separate blocks with a card reader and pin pad and a separate block with a computing module - this function can be performed by a PC, smartphone, etc.
3. MPOS– a miniature terminal of small size. They are usually connected to mobile devices.
4. Devices connected to the buyer's vending payment devices. The capabilities are practically no different from standard devices.

Autonomous

PAX S80 device

VeriFone Vx510

It is possible to set up payment and transfer not only to a bank account, but also to a mobile phone account, etc. The model is slightly worse than the previous one, as it does not have contactless payment technology. A convenient device for paying for goods by card in a store, supermarket and large shopping centers.

Ingenico iCT220

A stationary, convenient and compact terminal with a convenient programming interface. Non-cash payments occur for all types of data reception.

Mobile

Tier M2100F

It combines not only a POS terminal, but also an online cash register, which is quite convenient for some retail outlets. Transactions are settled directly at the cash desk.

VeriFone Vx610

It is practically no different from the 510th model in terms of characteristics, only it has a modular structure and a more powerful battery, which allows it to be used remotely. The average price is from 10,000 rubles per piece.

PAX S90

Its characteristics are the same as those of the stationary version and in terms of performance it is no different except for a more capacious battery. Price: 32,750 rubles on the market.

Pin pads

These devices have only a small block for entering a PIN code and the interaction of the buyer and seller with a computing cash register device. These devices are suitable for those retail outlets and sellers who already have an existing cash register unit. It can be either a separate specialized device or a personal computer with the necessary software installed on it.

YARUS R2100

Memory	16 MB each
CPU	ARM9
operating system	Linux
Price	8200 rub.

VeriFone Vx805

When transmitting information and details, all data is encrypted according to the latest international standards.

PAX SP30

MPOS

Mobile terminals for plastic cards are miniature in size and allow you to connect them to a regular smartphone with a specialized application installed on it. Such models are often used in taxis or food delivery services: sushi, pizza, rolls and restaurant food. The following brands are often used in the Russian Federation: 2-CAN, Yandex.Kassa and Pay-Me.

These modules are increasingly gaining popularity due to their compactness and ease of connection to any device. At the same time, all types of protection are preserved. All data is transmitted to the acquiring bank in encrypted form. Such devices are most often rented out because they are very inexpensive. And if the client wants to connect all the equipment along with an online cash register, then it will cost only 500 rubles per month.

How to install

After purchasing a device, a legal entity, company or enterprise needs to enter into an agreement with an acquiring bank, which will provide transaction services. He, in turn, will take a certain commission for each purchase. This percentage must be taken into account when selling.

Installation of a POS terminal for payment by bank cards is carried out only by specialists and employees of this credit institution. Since, according to the terms and rules of the contract, it is prohibited to change the program settings yourself or make changes to the program settings. Connection is usually free of charge after signing a contract.

Acquiring is the acceptance of plastic cards to pay for goods and services. It’s hard to imagine our life without him now. Cashless payments in Russian stores are 40% provided by Sberbank. It costs clients nothing to pay for purchases with a card, but individual entrepreneurs pay the bank the cost of acquiring carried out at their retail outlets. At Sberbank, acquiring tariffs for individual entrepreneurs are formed under the influence of several factors.

Acquiring cost for individual entrepreneurs

Sberbank provides 3 acquiring options - trade, mobile and Internet acquiring. They meet the needs of entrepreneurs with different types of activities. The cost of acquiring services is calculated as a percentage of the amount of payments made through the bank’s equipment.

Trade acquiring. Retail outlets use POS terminals that accept cards, both magnetic and chip, for payment. Many stores are already equipped with machines for contactless payment (for this you just need to bring the card to the terminal). Cash terminals can be wired (for stationary cash registers) and portable (for restaurants, courier deliveries, taxis). The cost of merchant acquiring ranges from 0.5% to 3% of the total transaction amount.

Payment by card via terminal

Internet acquiring. Individual entrepreneurs conducting business via the Internet enter into an agreement with Sberbank, as a result of which they can accept payments through a special module. The entrepreneur places it on his website and connects the service. Customers use it to safely pay for their purchases. For individual entrepreneurs, Internet acquiring costs on average 2-2.5% of the total transaction amount.

Mobile acquiring. This option is a mobile phone application through which transactions are carried out. It completely replaces cash register equipment. The client just needs to touch the card to his mobile phone and the payment is made. This type of acquiring is the most expensive; it costs entrepreneurs an average of 2.5-3% of the transaction amount.

Equipment rent

Entrepreneurs do not need to buy POS terminals for acquiring. Sberbank provides this equipment for rent. To use acquiring, a legal entity opens a settlement account with Sberbank. Its cost is from 0 to 2000 rubles per month, depending on tariffs and service conditions. The equipment rental price is 1500-3000 rubles per month. It is determined depending on the type of device and the number of devices used by the entrepreneur.

The rental price includes connecting devices and providing assistance in employee training. Cashiers will be told how to use the equipment correctly. They will receive a lecture on merchant acquiring from Sberbank.

The bank provides free technical support to clients. If a POS terminal breaks down, Sberbank repairs or replaces the software at its own expense. For technical support questions, clients can also contact bank employees by calling the toll-free number 8-800-555-55-50.

Transaction fees

At Sberbank, the commission charged to individual entrepreneurs for acquiring is determined by the following factors:

• the amount of cash turnover per month - the more transactions are made through the terminal, the lower the bank’s commission;
• the type of payment cards accepted by the entrepreneur for payment - the service fee for Maestro Visa Electron cards is less than the fee for other plastic cards.

It is profitable for individual entrepreneurs to offer clients payment for goods and services by card. The bank's rate directly depends on the amount of payments made through the terminal. By increasing the number of transactions performed, you can reduce the bank's commission. For legal entities with a large volume of payments, the service fee may drop to 0.5% (this usually happens in online trading).

Acquiring from Sberbank

Other costs

Sberbank can set the minimum amount of payments that must be made through the terminal (for example, acquiring in an amount of at least 50,000 rubles per month). If the monthly cash turnover is below the established limit, then a fine is imposed on the entrepreneur for terminal downtime. Its size is determined according to the tariff plan. The approximate amount of the penalty charged by Sberbank is 2,500 rubles.

The interest accrued to the entrepreneur for using acquiring is calculated automatically for each transaction. The cost of one operation depends on the total monthly turnover and the tariff chosen by the entrepreneur. Therefore, before connecting cash register equipment, you should compare acquiring options and choose the most suitable tariff plan. This will help avoid unnecessary costs.

Installing a Sberbank ATM in your own store: rules and features

An ATM is software and hardware that allows cardholders from various banks to withdraw, transfer and deposit funds. A device of this type was first created in 1967. Initially, the ATM functioned only in money dispensing mode. In the process of technological development, the device was refined, and today it already fulfills its purpose in full.

Installation Features

Installing an ATM is not difficult if you comply with all safety requirements and rules.

Important. Due to its functions, an ATM often becomes a target for burglary and robbery. Therefore, this equipment requires compliance with appropriate protection standards.

Today, the ATM is installed not only on the territory of a financial and credit organization. By prior agreement, they are installed and connected on the territory of any organizations and structures. For example: in shops, hairdressers, restaurants. And also in administrative buildings, shopping centers, postal services. This device often began to appear in various stores. An ATM in a store is installed inside or outside the building. The main thing is that it meets technical standards and is under the protection of special services.

Choosing a location to install an ATM

In banks, such devices are installed in prepared specialized niches, inside or outside the building. To install a Sberbank ATM in a store, there are no special requirements for its owner. The owner will only have to ensure the safety of the terminal by using the services of a security service. In addition, it is recommended to choose an increased level of protection, which will prevent the safe from any break-ins. Additionally, video surveillance is installed in the system, this allows you to avoid possible robbery. This is especially true if you plan to make the ATM 24/7.

For a store, an ATM must have a security alarm with a warning system and a third class of burglary resistance. If various threats arise, this will help the store owner to notify the security service. Before starting work on installing the device, close the store, since this process is not quick, and it is also not advisable to do this in the presence of a large number of people.

Important. You can begin installation only after submitting an application to Sberbank and its approval. The application form is filled out at a Sberbank branch or on the official website.

After this, the Sberbank ATM is installed in the store. So, do this?

Stages of installing an ATM in a store

The installation process is carried out in several stages:

1. A location is selected to install the device, which should be visually accessible for control by security personnel. In the store it is recommended to place it away from shop windows and other glass structures. Another condition for installation is that there should be no direct access to the ATM by vehicles.
2. Conclusion of an agreement between the bank and the store where the ATM will be located.
3. Preparing the floor and walls for installing a software and hardware device. At this stage it is necessary to ensure that the floors are durable and can withstand 900 kg or more. In addition, the surface must be flat and horizontal. Compliance with these requirements is checked using a building level.
4. Next, drilling is done in the floor to create installation holes. After this, the device is attached to them using anchor bolts. If the ATM is mounted in the wall of a building, then the distance between the wall and the panel is filled with sealant, which will be resistant to various weather changes.
5. After installing and securing the terminal, it must be equipped with a video surveillance system and security alarm. Without these elements, the device will become easy money for criminals.
6. Provide the device with a stable power supply. It is recommended to ground the equipment so that the equipment operates without breakdowns or interruptions.

ATM installation cost

There is no specific, approved price for this procedure. Tariffs for installing an ATM usually vary from 10,000.00 to 25,000.00 rubles. This indicator depends on a number of factors:

1. From equipment configuration.
2. Installation locations.
3. Difficult to install.
4. Additional expenses in the form of an alarm or CCTV camera.
5. Cost of specialist services.

All these factors have different impacts on the price of a particular installation.

Important. When installing a device in a store, you should carefully select specialists and components for the equipment. You should not save on this, as this may negatively affect the quality of operation of the device.

Installation of ATMs in populated areas and villages

Plastic cards have long become popular not only among city residents. Nowadays, many individuals in small settlements have their salaries and pensions transferred to cards of various banks, including a Sberbank card. Not all settlements are equipped with ATMs and terminals for using a bank card. In this regard, the question arises: how to withdraw money if there is no appropriate device? Why are ATMs not installed in some villages? After discussing this issue with the heads of administrations and Sberbank, the authorities came to the decision that they were ready to install ATMs, but subject to the premises meeting safety standards.

Installation failure may be due to the following reasons:

1. There is no technical possibility.
2. Difficulties arise when trying to secure equipment to a particular structure. This may lead to theft of funds from the device.
3. An insufficient level of security provided can also serve as a reason for refusal to install. Especially in small settlements, special attention must be paid to this point.

Despite the complex requirements, recently more and more villages have been equipped with Sberbank ATMs and customer service offices.

In areas where ATMs have not yet been installed, alternative measures are being taken. From time to time, mobile service points with cashiers and special equipment come to the sites. This allows the population to cash out their funds and make various transfers and payments.

Gradually, banks are agitating for the transition to non-cash use of funds. But at the moment, ATMs and terminals are freely available and in large quantities only in large cities.

Compared to previous years, the number of cities and villages in which ATMs appeared has increased. More and more third-party organizations, not related to financial institutions, are applying to install them at their locations. This approach will allow customers to choose a convenient method of payment for a product or service, as well as attract new consumers to the merchant.

How to install a bank POS terminal for card payments

Nowadays, the opportunity to pay for goods and services by bank transfer is provided by almost all companies offering any goods and services. Therefore, many types of businesses require the installation of a special POS terminal; it allows you to accept payments from a bank card. This method of accepting payment is mandatory for everyone, since if it is not available, you can lose a client.

Below is information on how to install a bank terminal for card payments in a store or any trade organization to accept payments.

What is acquiring?

Acquiring- this is the acceptance of payment by bank cards as a means of payment for goods, works, and services. It is carried out by an authorized acquiring bank by installing payment terminals (POS terminals in the case of traditional trade acquiring, mPOS in the case of mobile acquiring) or imprinters at trade or service enterprises (TSEs).

Features and advantages of terminals for cashless payment

Almost all modern retail outlets have a special acquiring terminal - a device that can be used to pay with bank cards. The terminal reads the information contained on the card: for this, either a chip or magnetic strip, or a special contactless module that transmits information to the bank can be used.

After the data received by the bank from the card is received, the user is asked to enter a PIN code, and then the information is checked. If the PIN code is correct and the requested amount is available on the card account, the payment is made and confirmed by a printed receipt.

Using POS terminals provides many benefits for both businesses and customers. The most important are the following:

• The possibility of cashless payments attracts more customers who are accustomed to using plastic cards for payment.
• An increase in the average bill, which is due to the lack of financial restrictions inherent in cash payments. In addition, large unplanned purchases are more likely for card users than for those who prefer cash payments.
• No possibility of receiving counterfeit banknotes.
• Simplicity and convenience in calculation and in recalculation and delivery, reduction of queues.

Installing a POS terminal does not take much time and does not require the provision of an extensive list of documents. All that is needed for this is to open a current account in any bank and submit a special application to the financial institution, accompanying it with the established package of documents. To install a terminal, an entrepreneur must enter into an agreement with the bank on the provision of acquiring services. Within 10 days after signing it, bank employees install the POS device and, if necessary, conduct staff training.

Properties and differences

Non-cash payment points depend on the type of business entity. For example, in regular stores stationary devices are used; as a rule, they are located at the checkout. When providing services on-site, it is possible to use a mobile banking terminal controlled by a remote PC using a special application. The second type of payment terminals is quite easy to use and involves lower maintenance costs.

Regardless of the method of application and whether it belongs to one type or another, the POS terminal consists of several components:

• system unit;
• software;
• monitor;
• a display that is necessary for the buyer to carry out the transaction;
• keyboard;
• built-in or stand-alone card reader – card reader;
• check printing device;
• fiscal part.

In addition to information about payments made, this device can store in its memory data about the properties of goods, expiration dates and prices. Due to these features, the POS terminal is very practical, convenient and beneficial for both buyers and business entities.

Documents, organizational features + List of banks

How to install a terminal for paying with bank cards? The process of installing a payment terminal and the list of documents that an organization must submit to use non-cash payments may differ depending on the organizational form you choose.

Since accepting payments requires opening a current account with the acquiring bank, so if you are already their client, then usually no documents are required. When submitting an application, you only need to indicate your TIN, after which they will contact you and arrange a meeting to conclude an agreement.

The acquiring agreement provides for the transfer of funds for non-cash payments to a specific transit account, from where they are received from the cards of clients paying for goods/services by non-cash method. Depending on the terms of the concluded agreement, the type of POS terminal and some other factors, the commission that an enterprise pays to the bank for performing a non-cash payment may differ slightly.

In this publication we will tell you how to purchase a terminal for card payments and what it is needed for. According to experts, the use of card terminals increases trade turnover by up to 15-20%. This fact is based entirely on the psychological aspect. The buyer does not see “real” money and, therefore, part with it more easily. In addition, he always has a large amount of money on hand to make unplanned purchases.

This is an important nuance that can be interpreted in favor of using this payment scheme as an alternative.

Manufacturers

Before answering the question of how to choose, let’s make a short review of the models presented on the Russian market. Moreover, this market is very limited; the lion’s share on it is occupied by 4 manufacturers:

• VeriFone.
• Yarus.
• Ingenico.

Of the listed brands, the most popular terminals are VeriFone and Ingenico. These are high-quality, reliable devices made in America and France, respectively.

Despite the functional similarity, the terminals still have a number of differences. Thus, the products of the Ingenico concern are compact, while VeriFone provides a large selection of models.

Benefits of using terminals

The following facts speak in favor of organizing payments by bank cards:

• Convenience and speed of payment processing.
• Reliability of financial transactions.
• Required by law.
• Increase in revenue.
• Attraction of new clients.

Criterias of choice

A professional approach to choosing a banking acquiring terminal implies a clear understanding of the characteristics of a retail outlet and its needs. Experts distinguish three groups of devices:

• Stationary devices.
• Mobile solution for cash registers.
• Complex POS terminals.

Stationary device

This is an optional offer that can be used as a permanent outlet. The peculiarity of this terminal is that for it to function, the device must be connected to the power supply at all times. In addition to a constant power source, it needs a stable Internet connection. For this, dial-up, Ethernet or GPRS class modem protocols can be used. The stationary terminal has proven itself well in retail trade enterprises selling industrial and grocery goods.

Mobile terminal

This is an ideal solution for the restaurant business, taxi services, courier services and other enterprises where it may be in demand. The device has a high-capacity battery and a receipt printer. This allows the device to function offline for a long time. Internet access is provided via GPRS or Wi-Fi.

Integrated option

The device is designed taking into account all possible needs of large retail chains. The solution is based on a specialized POS terminal that operates without connecting to a printing device. In other words, this is an additional option for a modern cash register, which involves connecting a display and keyboard.

Its main difference from other types is that information about the purchase made is received directly from the cash register terminal, and the slip receipt is printed either on a fiscal registrar or on a special UTII printer. The Enternet protocol is usually used for communication.

Purchase of a terminal

When purchasing a POS terminal, it is important to carefully study the capabilities of the offered models and correlate them with the needs of the retail outlet. In addition, it is important to choose the right supplier, namely, analyze all the conditions of after-sales service. Only after this can you make a purchase. In addition, today many companies offer to rent a terminal.

In conclusion, it is necessary to pay attention to such an issue as registering a POS terminal - according to current legislation, it is not necessary.