Acquiring terminals: connection, management. Payment terminal

The development of monetary relations has become a prerequisite for the emergence of bank cards. They were intended to simplify the procedure for cashing funds. With the development of technological progress, acquiring has appeared. This banking service has turned the map into a tool for everyday use.

Prehistory

"Acquiring" (in translation from English "acquisition") is a system for accepting cards for payment of services. Its importance can be compared with the appearance of mobile phones. Initially, acquiring was primitive. Cashiers used the "imprinter", through which the card was filmed "mold" with the details. The device did not communicate with the bank, and the cashier had to call the financial institution to confirm the availability of funds on the customer's account. A modern electronic terminal appeared much later.

The Essence

In order to take advantage of all the advantages of the service, you need to conclude an agreement with the acquiring bank and connect the terminal at the outlet. The acquirer bank is a credit institution that performs settlements with enterprises on card transactions and / or issues funds to cardholders who do not belong to the bank. At the same time, the organization can simultaneously issue cards, issue acquiring terminals.

Types of acquiring:

1. Trade - represented in restaurants, shops, hotels, etc.
2. Internet - buying goods in the World Wide Web.
3. ATMs are terminals and ATMs where you can withdraw cash from your account.

The terminal provides transfer of payments to the enterprise account via the Internet or a telephone line. You do not need to buy it yourself. First, each bank has its own model range of devices, and secondly, no credit institution will undertake to provide technical support for an "alien" device. To conduct operations, not only acquiring terminals are needed, but also a cash register connected to the payment system.

Trading Acquiring

The process of payment for the goods through the eyes of the buyer can be described as follows:

• The client transfers plastic to the cashier;
• The cashier conducts the transaction through the acquiring terminal with pre-authorization and asks the client to enter the PIN;
• The connection is established, that is, the required amount from the holder's account is written off to pay the check.

In this case, the enterprise that uses the payment terminal must:

• Place devices on the premises of their premises;
• Accept cards for payment of services;
• Pay a commission fee to the bank.

The bank, in turn, is obliged:

• Provide equipment;
• Train the company's employees to work with terminals;
• Check the balance of funds on the account at the time of the transaction;
• Reimburse the organization the amount paid;
• Submit expense documents;
• To provide full technical support.

Internet Acquiring

This scheme is similar to the previous one, but there is no direct contact of the seller with the buyer. The whole process is carried out through web-interfaces. The customer selects the product on the seller's website and clicks on the "Buy" button. Next, a special form opens in which you need to enter the details of the payment card. This is a so-called processing company. To confirm the purchase, many banks request one-time passwords that come in the form of an SMS message to the card holder. Confirming the payment, the client sends a request to the bank to transfer a certain amount of money to the account of the online store.

Mobile acquiring

Not so long ago, mPOS terminals appeared on the market, through which mobile acquiring is carried out. They are a card reader connected to the smartphone. An application is installed on the device, with the help of which the acquiring terminal is managed and the payment systems are operated. Such devices have a number of advantages in comparison with traditional devices:

• They are mobile;
• Have round the clock access to the account;
• Mobile acquiring terminals are cheaper than conventional ones;
• Non-cash settlements with their help are safe, etc.

Mobile terminals are also convenient because they allow you to pay for the services of a taxi driver in the car and delivering pizza at home.

Sequence of operations

The operation of payment through terminals looks like this:

1. The cashier draws a card through the terminal.
2. Information about the payer is transferred to the processing center.
3. The system checks the balance of funds on the account.
4. In the presence of a sufficient amount, funds are transferred between the accounts.
5. The terminal issues 2 copies of the check. One remains with the cashier, and the second is transferred to the buyer.
6. The acquirer transfers the seller the funds minus the commission.

Acquiring in Russia

In Russia, this system is still at the development stage. The total number of cards issued in the country exceeded the population. Although the coverage ratio in the United States and Europe exceeds 2-4 times.

Against the backdrop of growing financial culture among the population, the card is perceived as a convenient means of payment and access to resources, but acquiring in Russia is slower than planned. As early as 15 years ago, the ratio of cash and non-cash payments was 97% and 3%. Today, the figures look different: 85% and 15%. However, 70% of operations relate to withdrawal of funds from the account.

You can buy and connect a payment terminal through any bank in the country. You need to focus only on the reputation and experience of the credit organization. For example, PJSC "BINBANK" provides its customers with the "BIN-Go" service. Selecting one of the four terminals, the client receives an acquiring service with the possibility of accepting cards from four payment systems. Obligatory conditions - payment of the commission at 1.8% and crediting of funds to the client's account within two days. You can use the service as early as seven days after you apply.

On other terms, the acquiring terminal of Sberbank is provided. The size of the commission depends on the monthly volume of revenue that passes through the cards, and can range from 0.5% to 2.2%. For the maintenance of acquiring terminals, you need to pay 2 thousand rubles a month.

Connection of the acquiring terminal: 1С "Retail"

For the calculations in 1C, the document "Acquiring transaction" is used. Previously, you need to activate this function in the "Administration" tab, "Finance", by ticking "Payment cards". You can create "Acquiring transaction" in the "Finance" tab or on the basis of "Goods realization", "Customer order".

In the window that opens, part of the details is pulled from the main document. For example, "Counterparty", "Amount" and "Name of goods". In addition, you need to specify "Terminal", "View", "Card number". The information is drawn from the "Acquiring Agreement" on the "Finance" tab. If this document is missing, then it must be created by specifying in the form:

• The name of the acquirer (with the type of the contract "Other relations");
• Counterparty acquirer;
• score;
• card number.

In addition, it is necessary to create the acquiring terminal itself in the program.

After filling in the data, you need to return to the original document and conduct an "Acquiring transaction".

Bank Report

After receiving the statement of account in the program, you need to make a document "The bank's report on acquiring." It is created in the same name on the "Finance" tab. The first step is to specify a specific contract with the bank. Then, "Pick" pull up "Incoming payments." In the payment window that opens, select a specific acquiring transaction and click on the "Transfer to document" button. All information will be displayed in the table section of the report.

Information about the bank's services is filled in the "Acquiring commission" tab: cost item, analytical accounts, amount. The final stage is the creation of "Statement on the settlement account" on the basis of the "Report". This document in 1C to the account of cash is credited to the proceeds from sales, net of commission.

UT 11

The acquiring terminal in this version of the 1C program is connected differently. In particular:

• In the contract with the bank, all payment systems for which the contract is operating are listed;
• For carrying out transactions with impersonal clients, the document "Checks KMM" is used;
• At the end of the day, "Shift Closure" is held, and the "Sales Report" is automatically generated.

In the "Check" on the first tab the information about the goods is indicated, on the second - on the payment card, on the third - the data of the check and the name of the cashier.

Memo for using the device

When making payments through the terminal, a number of problems may arise: network failure, cancellation of the operation, insufficient amount of funds on the account. Let's consider in more detail how to correctly use the device and cancel operations.

In case of successful completion of the operation, the terminal prints a check in which it indicates: card number, authorization code and transactions, payment amount and slip. The latter is a text with the parameters of the processing center. If payment confirmation information is not received, you should cancel the transaction abruptly using the "Cancel transaction" command.

When the shift is closed, the terminal performs a reconciliation. At the same time, a report on the transactions carried out for the change in their monetary terms is formed.

"Cancellation of payment" can be made during the shift and before the withdrawal of the results. In this case, the transaction number (RRN) and the check number are transmitted to the terminal. After that the paid amount is returned to the buyer's account. If the report has already been withdrawn, you need to execute the "Return of payment" command, indicating the amount, card number, transaction and check. In the first case, the funds will immediately go to the buyer's account, and in the second - after the confirmation of the operation by the bank.

Benefits

Today, many organizations use acquiring terminals to conduct payments. This technology is convenient to use, eliminates the risk of obtaining counterfeit money, saves money for collection. Not to mention the fact that participants in such programs receive special banking products in the form of preferential programs, discounts on services and free staff training. In turn, the customer is calculated for purchasing a convenient way for him.

Traditionally, the cards are favored by the more affluent sections of the population. According to statistics, the payment through the terminal leads to an increase in sales by 20-30%. Owners of "plastic wallets" quickly part with money. The average amount of the check paid through the terminal is more than usual by 30%. The presence of an additional method of payment makes the company in the eyes of the client more reliable and attractive. Acquiring also increases the number of potential buyers.