2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
How and why is the payment terminal installed? They are almost always found in malls and stores. What should be considered during installation? What package of documents is needed and who to contact? Is there a choice of terminal models?
Why are they needed
In the modern world, the spread of technology makes it possible not to waste time visiting cash desks and post offices and other organizations that accept payments from citizens and organizations. It is enough to go to the terminal, touch the screen several times and insert banknotes into the receiver and that's it - the problem is solved. Thus, the installation of a payment terminal attracts additional customers.
Besides comfort, there is another factor - the branch of the bank or organization that accepts payments is not always available or able to accept money. The payment is credited from the moment the money is deposited into the machine. The few days it takes to process it doesn't matter.
Views
Before you start installing a payment terminal, you need to decide whichit is planned to decide: there are banking, representing the services of a particular bank. There are those that allow you to pay for the services and goods of many companies and entrepreneurs. Such a device is provided not by a bank, but by a specialized company.
There are also terminals for receiving payments directly from customers or acquiring. The absence of a terminal that makes it possible to pay for services or goods by bank transfer is a reason for bringing to administrative responsibility. The maximum amount of the fine is 50 thousand rubles. But it's not just about the fine: customers increasingly prefer those stores that work with cashless payments.
It is allowed to install devices purchased from a certified supplier, a service contract is concluded with him. Information about the device is entered into the database of the tax service. On average, the cost of its maintenance during the year is 30 thousand rubles.
Procedure for clearance
The installation of a payment terminal is allowed for any person, there are no special restrictions. However, they work with entrepreneurs or legal entities. The package of documents for installing the terminal is described below:
- copies of the lease agreement or proof of ownership of the site where installation is planned;
- agreements with payment systems, telecom operators, providers.
Additionally, a collection and maintenance agreement is required.
Features of the agreement with the bank
If the terminal is installed for acquiring, the following package of documents is submitted:
- questionnaire or application;
- copies of statutory documents;
- copy of IP registration certificate.
The contract for the installation of a payment terminal includes clauses on the acceptance of funds through the use of plastic cards and a number of other conditions. In particular, the amount of commission charged from a client paying for goods or services with a card, the amount of payment for bank services is determined.
The bank may refuse the commission if the payers, for example, holders of credit or social cards. This issue is resolved by the internal regulations of the bank.
Company or sole proprietorship can take the commission on themselves, thereby attracting additional customers.
Proposed agreements are based on a single pattern, changes are almost never made. Therefore, choose the organization with the most suitable conditions.
Features of installing a Sberbank payment terminal
Wishing to install the device directly contact the PJSC. His staff will review the offer and see if the installation site meets the requirements.
The device is located both inside and outside the premises. It must be guarded (an alarm or surveillance camera is sufficient). A suitable floor covering is required to install the unit.
Finishing and wiring must meet the requirementssecurity. No one agrees to install the terminal in a room where a fire is possible. The quality of the wiring determines the degree of security (how well the alarm will work) and the quality of the terminal.
All issues with maintenance and installation of terminals are resolved directly by the bank's employees. Collection is also included in the scope of their activities.
If an acquiring terminal is being installed, then there are no differences from the conditions of other banks.
Is there any benefit
Installing a payment terminal in a store for a businessman is another source of income in the form of a share of the amount of payments made. The size of the rate is determined by the agreement of the parties and the policy of the firm or bank. The main condition for the profitability of the terminal is a constant flow of customers.
Model selection
Everyone who has even a little experience with the installation of payment bank terminals or ATMs, notes that the bank uses, as a rule, the same model. It is easier to work with one company than with several. The same principle is used by companies that present devices for accepting payments.
In closing
Payment terminals are an integral part of the modern world. It is actively used by businessmen to increase their income. There are terminals through which it is proposed to pay for any of the available services, and terminals that accept payments directly in favor of an organization or individual entrepreneur (the so-called payment by cards in a non-cash form).
In the first case servedapplication, bank employees examine and make a decision. If it is positive, an agreement is made.
If you need a terminal for paying with cards, then they draw up an IP, open a bank account. The device is purchased from a specialized company.
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