Online cash desk terminal and merchant acquiring. What is Internet acquiring and how to connect it - the conditions of banks and whether a check is needed. Internet acquiring: user reviews

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 can 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 borne in mind 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.

Internet acquiring is the ability to accept payment by bank cards when shopping in an online store. The number of cardholders is growing every year, the ability to accept payments through a bank increases the number of potential customers and increases the real profit of the store. VTB Bank (PJSC) offers customers favorable rates for servicing via the Internet, the costs of the service will quickly be justified by increasing sales.

The principle and advantages of Internet acquiring

Internet acquiring - payment for goods and services online using a bank card. A special interface allows the buyer to instruct the bank to pay for the purchased goods or services, the money is transferred to the seller's settlement account. The payer enters their card details in a secure form, after which the payment is made and a receipt confirming the purchase is sent to the e-mail.

Advantages of this form of acquiring:

• increasing customer loyalty - the ability to pay through a bank improves the image of an online store, the number of repeated calls increases
• increase in profits through spontaneous purchases - it has been proven that transactions of greater value are carried out with the help of cards, since it is easier for people to part with money
• minimal risk of rejecting the goods - since it has already been paid for, it is more difficult for the client to refuse the purchase, such transactions are more reliable for the store
• payment security - the courier does not need to carry cash with him, there is no risk of accepting counterfeit banknotes

Internet acquiring is a profitable solution for both individual entrepreneurs and large organizations. VTB Bank (PJSC) guarantees low prices for banking services. Use the maximum opportunities for profit, and all investments will be justified in a short time.

Advantages of cooperation with VTB Bank (PJSC)

Our services are already used by thousands of owners of online stores, the possibility of paying by card stimulates demand and opens up new prospects for business development. We offer profitable solutions to organizations of any level and individual entrepreneurs: contact us and discuss the details!

For customers who have signed an Acquiring Agreement with the Bank, a web application "Personal Acquiring Account" has been developed. This service is intended for prompt receipt from the Acquiring Bank of information on transactions carried out using bank payment cards, as well as for performing a number of technological operations.

Many entrepreneurs who accept payment for goods and services with bank cards are wondering if an online cash desk is needed when acquiring. In this article, we will answer this question, tell you about the features of merchant, mobile and Internet acquiring, share tips on choosing a bank, and give instructions for connecting acquiring to an online checkout.

What is acquiring?

The term "acquiring" is quite firmly established in the everyday life of consumers. And if we do not use it in everyday speech, then the meaning of the word is familiar to everyone. Literally, "acquiring" (Acquiring, English) is translated as acquiring, buying.

Acquiring is the whole process from accepting payment on a buyer's plastic card to crediting funds to the seller's account. In the middle of this chain is the acquiring bank itself, which acts as an intermediary.

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In a rapidly developing digital market, payment can be made using contactless technology, for example, when a customer's smartphone is pointed at the terminal. This operation will also be considered part of the acquiring process.

The principle of operation of an online cash register with acquiring

The algorithm of the online cash register with acquiring at first glance is quite simple, however, if we look at it from the inside, we will see a lot of operations performed by the system between the processes of reading the customer's card and printing the cashier's receipt:

1. To begin with, the terminal must read the buyer's plastic card. For this purpose, the cashier swipes the magnetic stripe of the card through the reader, or the customer applies the plastic card to the terminal;
2. Further, the card data is transferred to the acquiring bank, in other words, the bank with which the store has an agreement to accept payment by plastic cards. The acquiring bank, in turn, performs the process of identifying the issuing bank (the bank that issued the card);
3. After the acquiring bank contacts the issuing bank, the issuing bank identifies the data of the plastic card holder in its database (at this stage, only a few seconds passed between the contact of the plastic card and the terminal, and the terminal usually asks the card holder to enter a pin code) and checks the balance of funds available for debiting;
4. The next step will be confirmation by the issuing bank of the availability of the required amount on the payment card and transfer of information to the acquiring bank;
5. The acquiring bank transfers the data to the payment terminal and to the online cash register, after which cash receipts are printed.

Debiting funds from the card is also subject to a certain scheme:

1. The amount required for debiting is first sent by the issuing bank to the acquiring bank;
2. The acquirer, in turn, takes the due commission (or charges it in addition to the debit amount, which will allow the store to invoice in the future) and transfers the funds to the account of the outlet.

Do I need an online cash desk when acquiring?

At first glance, the connection between online cash desks and acquiring is quite transparent. After all, payments passing through the terminal are necessarily recorded in the recording device of the online cash register.

Comprehensive trade automation at a minimum cost

We take a regular computer, connect any fiscal registrar and install the Business Ru Kassa application. As a result, we get an economical analogue of a POS-terminal as in a large store with all its functions. We enter goods with prices in the Business.Ru cloud service and start working. For everything about everything - a maximum of 1 hour and 15-20 thousand rubles. for the fiscal registrar.

Consider the goals and objectives of these two devices.

Acquiring:

1. Works to ensure the possibility of making payments by plastic cards;
2. It works according to the scheme: customer (shop) → acquiring bank → issuing bank → shop's settlement account.

Online cash desk:

1. Generates paper and electronic cash receipts for customers;
2. Provides information to the Federal Tax Service about all transactions carried out through the cash desk;
3. It works according to the scheme: customer (shop) → online cash desk → fiscal data operator → Federal Tax Service.

It turns out the connection is not so obvious.

Important! Acquiring without an online cash register will be able to work without any difficulties, just as the absence of acquiring will not make any significant changes to the work of an online cash desk.

Despite the fact that there is no direct dependence on each other in the functioning of the devices, they work in tandem. All sales that go through the acquiring process are recorded at the online checkout, the online checkout, in turn, generates receipts necessary to complete the acquiring process.

Try the Business.Ru online cash register with the ability to work both with stand-alone bank terminals and with the connection of the terminal to the program. Create discount and bonus cards in the system and remotely control the work of the store.

What does an electronic check generated at an online checkout look like?

An electronic check must contain the same details as a paper one. Required details on the check include:

1. The system of taxation applied by the organization;
2. Settlement sign: sale/return;
3. Serial number of fiscal data;
4. Fiscal data attribute;
5. List of purchased goods with cost, price and applied discounts;
6. VAT for each item;
7. Factory number of the fiscal drive;
8. Fiscal document number;
9. Fiscal data transfer code;
10. VAT amount and tax rate;
11. Name of OFD;
12. OFD website address;
13. QR code that serves as an additional verification of the authenticity of a check, etc.

Merchant acquiring

Merchant acquiring is the process of paying for goods by bank transfer at stationary outlets.

Since, often, the flow of customers is quite intense, when choosing a device for providing merchant acquiring, a businessman should focus on the performance of the terminal - the higher it is, the more customers the cashier can serve per day.

Mobile acquiring

Mobile acquiring is used in the work of the delivery service, to provide services to the population at home or for small businesses. All these areas do not involve a large flow of visitors, and therefore an entrepreneur can afford to purchase a more budget model of the device.

The most common model is the mPOS terminal - the most compact version in the entire family of POS terminals.

It is attached to the owner's device, usually a smartphone, and with the help of a simple program performs the functions of a payment terminal.

Download the free mobile online cash register from Business.Ru and use the application and the fiscal registrar to turn your tablet or phone into a full-fledged online cash desk that meets all the requirements of 54-FZ. Use the Business.Ru cloud accounting system and perform any cash transactions.

The most significant advantages of mobile acquiring is the possibility of using it for courier delivery, traveling trade, etc. That is, wherever compactness is valued, an mPOS terminal will come in handy.

However, the device has its drawbacks:

• data processing speed is an order of magnitude lower than that of a conventional terminal;
• cannot print receipts for customers (but can send electronic versions);
• can only work with a wireless connection;
• mobile acquiring rates are often above average.

Internet acquiring

For entrepreneurs conducting their activities via the Internet, the issue of payment by bank transfer is one of the most important, because this is how most buyers pay.

An exception may be payment for the goods at the time of receipt, but in this case the site is not an online store, but serves as a showcase.

Payment by a plastic card in an online store is carried out without using a terminal, it is enough to install an online acquiring form on the site.

For the buyer, everything looks quite simple: at the time of purchase, a form appears on the screen in which you need to enter the data of the payment card and its owner, then an SMS message with a confirmation code may come (this function depends on the issuing bank) and after entering it, the operation is successful ends.

In order to connect Internet acquiring to the site, an entrepreneur needs to conclude an agreement with the bank itself.

There are three types of integration of an online store with acquiring:

1.Easy integration

• the form code for receiving payment is generated by the bank itself, it is posted on the website;
• the payment page is sent to the buyer with a link to an e-mail or phone number (electronic invoice).

2.Modular integration

In the case of modular integration, an entrepreneur can connect acquiring by himself using a module/plugin for CMS (Content Management System). For example, in the case of Sberbank Internet acquiring, it is possible to integrate with Joomla, ModX, OpenCart and 1C.

3.Full integration

The entrepreneur independently develops the integration according to the Internet acquiring documentation. In this case, the form of payment can be created, taking into account the peculiarities of the business processes of the online store, for example, linking payments to billing.

This type of integration will be the most expensive, because it will require the help of a developer.

How to choose an acquiring bank?

Today, almost any bank can offer acquiring services for an online cash register. And although there are more than enough offers, the tariff rates for the most part are quite close.

Banks also cannot please the consumer with a variety of functions. Entrepreneurs need to bet on special conditions offered by a particular bank. These conditions may include:

1. Reducing the percentage charged by the bank from the acquiring procedure, depending on the turnover of the store. This offer may be of interest to shops with high traffic;
2. Reducing the tariffs of acquiring banks in relation to the cards issued by them;
3. Reduction of acquiring tariffs, if the entrepreneur buys and installs the equipment himself, or rents it from the acquiring bank.

How to choose a terminal for acquiring?

There are several types of acquiring terminals on the market. Let's analyze how they differ from each other (except for the price), for which business areas they are more suitable.

Standalone and stationary POS-terminals

Such terminals can send payment data to an online cash register via a wireless service. A modern POS-terminal should have a slot for inserting a payment card and working on a contactless payment acceptance system.

Standalone POS-terminals differ from those that operate from a power source, built-in battery, light weight and size.

Important! Not all POS-terminals have the ability to accept cashless payments. Before buying, you need to check whether the device has such a function. If not, then you will have to buy a card reader to the POS-terminal and connect it via USB.

Examples of such terminals for acquiring:

• VeriFone Vx510 (the terminal can run various cash register applications that allow you not only to deposit money to an entrepreneur's account, but also, for example, to a mobile phone account), costing from 15,000 rubles;
• Ingenico iCT220 (characterized by a higher speed of issuing checks, which is important with a high flow of customers during rush hour), price from 19,000 rubles.

Modular devices: computing module plus card reader

An acquiring terminal that looks like a card reader cannot work on its own. It must be connected to the computing module. For example, to a computer with a fiscal registrar or to an online cash register with a smartphone.

Boost your store performance in 1 month

The service will improve the efficiency of the store by reducing the loss of product balances, significantly speed up the process of revaluation, printing price tags / labels, strictly discipline the work of the cashier and limit his opportunities when working with discounts / sales at a free price.

Examples of popular readers:

• Tier R 2100 is popular due to the low price of 13,000 rubles, but does not have the possibility of contactless payment;
• VeriFone Vx 805 (medium receipt printing speed) has the function of accepting cards with contactless payment, the cost of the device is from 15,500 rubles;
• Ingenico iPP 320 (medium price, large display, fast receipt printing) also accepts contactless cards. The price starts from 17,000 rubles.

Features of the device - a miniature card reader with a pinpad attaches to a mobile device. For example, to a tablet with a cash register.

Such acquiring terminals appeared less than 10 years ago, and many buyers have not yet seen them.

Advantages of the MPOS terminal:

• it is very compact, smaller than a bank card;
• quickly makes the calculation and sends the data to the cashier;
• quickly connects to the module.

MPOS terminal, as well as other terminals for acquiring, work in compliance with the security requirements of payment data.

For example, MPOS devices are actively promoted by Yandex.Checkout along with the activation of the acquiring service. The offer is the following:

The Yandex.Checkout commission is more expensive than banks offer. However, the price of the reader is low. Convenient for courier or food trucks.

How to connect acquiring to the online checkout?

In order to connect an online cash desk to acquiring, a businessman needs to conclude an agreement with an acquiring bank. To do this, you need to collect the following package of documents:

1. Certificate that the organization is registered with the tax office;
2. Extracts taken from the Unified State Register of Legal Entities;
3. If the entrepreneur is of interest to the organization, it will be necessary to collect a package of constituent documents;
4. Documents from the bank confirming that the organization has a current account;
5. Confirmation of the right to use a trade enterprise (rent of premises, ownership);
6. Licenses if the scope of the company implies their availability.

After a thorough analysis of the information received by the bank's security service, and in case of a positive decision, an acquiring agreement is concluded between the store owner / organization.

The next step is that the store, in accordance with the requirements of the acquirer, is equipped with the necessary devices on which the required software is installed. And on the website of the online store, a form of payment is installed.

After providing the technical side of the issue, the store personnel are trained.

Summing up, we can say that acquiring is a necessary tool for every entrepreneur, since an increasing number of buyers prefer a non-cash form of payment.

Important! The absence of acquiring in the organization will not allow accepting non-cash payments, and may also lead to an outflow of customers for the same reason.

In addition to the ability to accept non-cash payments from customers, installing a terminal can also inspire confidence in the store - if the store has an acquiring terminal, then it has an agreement with a bank whose security service has checked the organization.

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.

Hello! Today we will tell you about Internet acquiring. We will reveal the essence of the concept and present to your attention a table of favorable rates from banks, as well as reviews of those who have already managed to try out the services of a particular bank.

What is internet acquiring and how it works

Internet acquiring: user reviews

We offer you to read the reviews of entrepreneurs who successfully use the Internet acquiring service in their work.

User Arztx writes:“In a matter of days, I connected the service through Tinkoff. Their employees are excellent and answer any questions promptly and in simple language. Money is credited to the RS daily, there are no problems.”

User Ahtung:“So far, I have refrained from concluding an agreement. I want to warn you: delve into the specifics and subtleties of this service.

User Harmonium:“In my activity, the turnover is still small, but the service turned out to be a godsend. Payments are processed on the Internet, the commission is low, the connection is fast.”