Terminal for payment for services and organization of acceptance of payments through the terminal

The complete set of the terminal can be changed according to your desire.

We cover all expenses for the creation, configuration and maintenance of your individual system "Avto-kassa". Terminals are provided and delivered free of charge

Currently, our company has developed new building payment terminal "Auto-Kassa", taking into account the features of the CashCode B2B bill acceptor and the SMART Hopper coin acceptor, which support the function of recycle banknotes and coins. The new terminal for payment for services has gained more functionality, and it is not only the acceptance of cash and plastic cards, but also the issuance of change, both in banknotes and coins, as a result, completely replacing the usual cashier. Which, undoubtedly, favorably distinguishes the new payment terminal for paying for services from its predecessors.

The new building of the Auto-Kassa customer self-service system

1. Bill-to-Bill acceptor
2.SMART Hopper
3. NRI G-13 coin acceptor
4. Card reader Sankyo 3k7 and PIN PAD szzt 598L encrypted
5. Zebex Z-5152 Embedded laser barcode and QR code scanner
6. Custom VKP 80 II Thermal Printer + PAY Upgrade Kit (VKP80K) or Custom TK302 Ticket Printer
7. LCD monitor 22”
8. Anti-vandal touch screen 22”, 6 mm.
9. UPS APC Power-Saving Back-UPS Pro 900

Let's analyze the most interesting components of "Auto-Cashier":

B2B (Bill-to-Bill) bill validator. Bill acceptor for receiving and dispensing banknotes.

The B2B banknote validator is a modern machine for organizing the acceptance of payments through the terminal and the issuance of settlements in banknotes. The validator allows you to reduce the cost of collecting cash from the field by 90%, since now money is withdrawn from vending machines not 1-2 times a day, but once a week. It's no surprise that leading payment terminal companies use CashCode's Bill-to-BillTM cash management system in their parking and service kiosks. A B2B bill validator is more than just a bill acceptor. It uses the latest banknote recognition technology created by CashCode, and also adds the function of accumulating received banknotes in order to give change with them. The B2B banknote validator is a highly intelligent automatic system for accepting payments through a terminal that performs all the functions of a cashier: calculates the payment amount, accepts banknotes, first to verify their authenticity, and then collects them and, when necessary, gives change or exchanges banknotes .Now all operations of cash settlements with banknotes can be provided for you by the Bill-to-Bill™ hardware complex. This validator (bill acceptor) optimizes the work with cash and reduces their mass in circulation, which is necessary to perform current operations. There is no need for a separate validator and banknote dispenser. The complex reduces labor costs and a lot of cash required for operation, since it uses banknotes already entered by customers in transactions. Losses are reduced as volume is reduced Money in transit" and eliminates cash leakage by minimizing access to banknotes.

What the B2B (Bill-to-Bill) Bill Validator can do:

• The bill acceptor recognizes, checks, accumulates, distributes and dispenses banknotes.
• Provides a high level of acceptance of banknotes at first sight along with an excellent degree of protection against counterfeiting.
• The validator selects banknotes of at least three denominations for redistribution and assigns the maximum number of banknotes in each of the storage cassettes.
• Access to the money processing system does not require any tools, just open the front panel
• The bill acceptor has a Bill-to-BillTM banknote recognition module, combines all the most advanced functions of CashCode front-loading validators (FrontLoad).
• Recognizes and accepts banknotes with a width of 62 to 82 mm
• The bill acceptor can be equipped with a loader capable of accepting banknotes in a bundle of up to 25 pieces at once. (single width: 67 or 71 mm)
• Functions of recognition, collection, as well as the use of accepted banknotes for the issuance of change or exchange of banknotes
• Three highly intelligent recycling cassettes for 100 banknotes each - a total of 300 banknotes for operational purposes
• The cash dispensing cassette prepares the necessary combination of banknotes in accordance with the calculated amount and dispenses money in the form of a neat bundle (up to 20 banknotes at a time)
• Frontal access without tools to mechanisms
• Determining the authenticity of banknotes based on the most advanced recognition sensors developed by CashCode
• The safety of money is ensured by two locks on the receiving cassette and another patented lock. The fourth lock locks the entire recirculation cassette unit.

The new SMART Hopper is a 21st century coin dispenser.

SMART Hopper is capable of dispensing coins of all denominations accepted by the coin mechanism.
Thanks to its versatility, it fully meets the requirements of various sectors, including: slot machines, kiosks, casinos, parking lots, vending machines and many others. The SMART Hopper eliminates the need for multiple hoppers and sorters, thereby simplifying the coin dispensing system. Thanks to the use of the SMART Hopper, the coin dispensing tray can be mounted much higher than in a conventional machine, and the user does not have to bend down to pick up coins.

Coin acceptor Multi model NRI G-13 Germany.

The coin acceptor is designed for installation on any payment and lottery terminal. Programmable, reliable recognition of up to 32 different coins.

Sankyo Card Reader 3k7 and PIN PAD szzt 598L crypted.

The ICT3K7 is one of the most popular motorized card readers in the self-service industry. ICT3K7 has a compact size, however, this does not affect its high performance and reliability. ICT3K7 meets the broadest market requirements, offering the ability to work with magnetic, chip. ICT3K7 is an ideal solution for installation in self-service terminals, information and multimedia kiosks, Internet kiosks, automatic parking devices, various access systems.

Anti-vandal 16-key cryptographic numeric keypad SZZT ZT598L is specially designed for use in ATMs, payment terminals, access control systems, information kiosks.

Zebex Z-5152 Embedded laser barcode scanner.

Readable 1D codes: UPC/EAN/JAN, UPC/EAN with supplementary, JAN 8 & JAN 13, ISBN/ISSN, Code 39, Code 39 with full ASCII, trioptic Code 39, Codabar (NM7), Code 128, Code 128 with full ASCII, Code 93, Interleaved 2 of 5 (ITF), Addendum 2 of 5, MSI/Plessy, China Postal Code, UPC/EAN RSS, RSS ariants

Readable 2D codes: PDF 417, MicroPDF 417, MaxiCode, DataMatrix (ECC 200), QR Code, Aztec Code, Postal Code, Composite Codes, Micro QR Code

Fiscal registrar PayVKP-80К (based on thermal printer Custom VKP 80 II)

One of the best printers from the well-known manufacturer Custom, the updated VKP 80 printer model with new performance and innovative design.

The upgraded model VKP80 II is the best printer for installation in payment terminals, touch kiosks and ATMs:

• paper width 60/80/82.5 mm, user-selectable;
• paper weight 60/100 g/m2;
• maximum roll diameter 180 mm;
• the roll holder can be located above, behind or below the printer;
• auto cutter (1,000,000 cuts);
• functions of retracting and issuing a check;
• paper end, black mark, ticket availability, printer opening sensors;
• thermal printing 8 dots/mm, fixed head;
• resolution 203 dpi;
• paper width 60/80/82.5 mm;
• print speed 220 mm/s (high speed mode).

Terminal for payment for services and organization of payment acceptance

The software interface on the terminal for paying for services and goods changes to suit your needs, it is possible to add Additional services company, the transfer of data on the facts of payment from the terminal to your database is configured.

Our company independently collects, transfers the collected money to your account, maintains the functionality of the terminals and services the cash registers installed in the terminals.

Our remuneration is a certain percentage of accepted payments through the terminals of the "Auto-Kassa" system. The percentage depends on your monthly sales volume, the number of terminals required and the installation region.

Among the electronic devices that perform cash transactions, the most common are payment terminals. Some confuse them with ATMs. But terminals only accept money as payments for various services and money transfers.

Payment terminals differ in form and functional options. Outdoor devices are placed in places of high traffic: shopping centers, supermarkets, cafes, underground passages. Embedded, mainly in the offices of banks and fiscal structures. Mounted - installed in small retail outlets, offices, on the street.

Payment via terminal

Electronic payment systems differ not only in convenience and speed of operations, but also in practicality. Payments for many types of services are credited without commissions. Payment through the terminal provides for the repayment of current accounts and debts in the housing and communal sector, banking, taxes, state fees, patents. Also, means of communication are promptly paid for - the Internet, services of mobile operators, games, entertainment.

By operating shells and type, the most widely used terminals are Qiwi, Orange, Eleksent, Svyaznoy.

Bank payment terminals

Bank payment terminals differ from ATMs in that they are designed to receive funds for various payments. In addition, they allow you to independently make transfers to electronic accounts, wallets, inquire about receipts, fines, and track the status of accounts. By the way, it is beneficial to repay a loan through a financial organization's own bank terminal, since there are no commission fees.

However, the degree of protection of transactions and the reliability of terminals is inferior to ATMs. This applies to installation, connection, and system parameters.

Terminal for card payment

A terminal for paying by card is one of the types of electronic banking, designed to accept payments by plastic. Devices can be synchronized with the operating system of cash registers, or they can work autonomously.

The specialized name of these machines is acquiring terminals, regardless of the model, they are multi-optional, that is, they carry out several operations simultaneously: they identify data and withdraw a check. The principle of acquiring terminals is based on instant cashless payments, which increases the speed of servicing the client flow.

Commission in payment terminals

Oddly enough, but the commission in payment terminals can be high, low, or even absent. Acquiring companies that install terminals regulate the collection of commissions for certain payments and information about this should be at the bottom of the monitor.

Before making a payment, especially for a large amount, it makes sense to familiarize yourself with the terms of payment service and commission fees. If there is no information, you need to look for another terminal. There are incidents that with an increase in the payment amount, the commission increases in parallel, say from 2% to 7%, which can be quite noticeable.

Payment for services through the terminal

Payment for services through the terminal can be non-cash, via plastic, but you can deposit cash and make a payment for any service. In both cases, you need to carefully enter the data by selecting the desired payment address in the general menu. Data - this is the name of the payment, the period for which the payment is made, the personal account or payer identification number, the amount and the choice - "with insurance" or without. At the end of the procedure, you need to take a check.

It is worth considering that cash terminals do not give change, so the amount is rounded up and money is deposited with a slight excess if the number is fractional.

Mobile payment terminal

A mobile payment terminal is a portable electronic device designed to authorize a plastic payment card and performing an operation on it. In this way, you can purchase any goods and services anywhere in the world. The main condition is the presence of a cellular signal. The device is connected via Bluetooth, audio jack and USB port.

The principle of operation of the mobile terminal is based on reading information from the card and identifying the data in the processing center. The operation on the card is considered successful after receiving confirmation of the request and authorization.

Sberbank payment terminals

The largest and most reliable financial institution in Russia, Sberbank is considered, the payment terminals of which can be found even “in an open field”. Using the example of one South-Western region of the Russian Federation, where more than 8,000 self-service terminals are installed, one can understand the scale of distribution of Sberbank electronic payment devices.

Clients of Sberbank of Russia independently pay for services, loans, fines, taxes, transport documents and much more. In addition, the acquiring sector of Sberbank is actively used by those who send Money transfers to their counterparties.

Qiwi payment terminals

Qiwi is an electronic payment system and, accordingly, it is provided with its own payment terminals. The peculiarity of this system is that it allows you to pay both through an electronic wallet on the Internet and using a terminal.

Through the Qiwi payment terminals, payments are made to individuals and legal entities, the purchase of goods and services on the Web, housing and communal services, mobile communications, and various accounts. In addition, the system provides the same name plastic cards"Qiwi", which accept for payment everywhere where cards are valid payment system Visa, and also allow you to withdraw cash from ATMs.

Outdoor payment terminal

The street payment terminal is an autonomous software and hardware system designed for self-service in the payment acceptance format. Devices are of three types:

• Stand-alone racks
• Built-in
• Wall mounted or mounted.

Outdoor terminals are distinguished by a high degree of protection of the steel body and touch monitor from vandalism. In addition, these electronic devices are adapted to work in any climatic conditions, as they are equipped with a thermostat, and are also reliably protected from the effects of precipitation.

Payment terminal for premises

The indoor payment terminal is installed in high-traffic areas such as shopping centers, supermarkets, train stations, airports, markets, as well as in company lobbies and offices. Despite this, the devices are quite reliable, with increased requirements for protection against hacking and resistance to mechanical damage.

In addition to accepting cash to pay for services, goods, bills, transfers, etc., terminals for premises have the function of an information board. The presence of payment terminals in public places significantly stimulates an increase in customer flow.

How to choose payment terminals?

There are several criteria for choosing a terminal, but one of the main ones is where and for what it will be installed. The fact is that terminals differ in functionality, in design features, and in price.

So how to choose payment terminals? Based on the area on which the device will be installed, preference is given to the optimal design - floor, built-in or hinged. In retail outlets and on the street, it is customary to put a floor model, in educational institutions, hostels, cafes - wall models. By the way, the cost of terminals for the premises is somewhat lower than the "street" counterparts.

Sale of payment terminals

Given the development of society and the growing needs of the population, the sale of payment terminals, as well as their acquisition, is a rather profitable business. The difference is that the profitability and profitability of the purchased terminal is directly proportional cash flow passing through it. And this is directly related to the localization point of the device.

Therefore, everyone strives to put the terminal in places of mass traffic of people. In addition, it matters appearance"automatic". For example, brightly colored and beautiful terminals are noticeable from a distance and attract the attention of customers.

When running a business selling goods or providing services, there are many useful modern systems. It will be necessary to install a terminal for payment bank cards. According to the law, if the profit per year is more than 60 million rubles, then the business owner must provide customers with the possibility of non-cash payment. You can install the device of any bank, but in our country they usually install a Sberbank terminal. More details about its connection are described in the article.

What it is?

Acquiring terminal - a device that performs:

1. Reading information from a plastic card that the buyer uses to pay for goods or services. It can have a magnetic stripe, a chip, or a contactless module.
2. Transfer of read information to the acquiring bank.
3. Transmission of identification information certifying the permission of the user to pay the bill. To do this, enter a pin code.
4. Reception of processed information.
5. Confirmation of payment by providing a check.

Installing a payment terminal for paying with bank cards allows you to quickly and conveniently accept payments by non-cash method. This simplifies the customer service process.

Advantages

Bank cards are becoming a popular means of payment every day. It is beneficial for entrepreneurs to open electronic devices for non-cash transfer of money for goods and services. Installing a terminal for payment by IP bank cards has the following advantages:

1. Card users are more willing to purchase a lot of goods where there is a possibility of cashless payment, which affects the attraction of customers.
2. People are not limited to the amount of cash, which increases the average bill, and therefore the turnover of the store.
3. Unplanned purchases are more common among card users.
4. There is no risk of receiving counterfeit banknotes.
5. The work of a cashier becomes easier and more convenient.
6. Decrease queues at the checkout.
7. Due to the small amount of cash at the cash desk, the time for recounting during collection is reduced.
8. Reducing collection costs.

Installing a terminal for paying with bank cards will prevent fines, since the norms of the law will be observed. After all, employees of Rospotrebnadzor carry out checks on the implementation of legal requirements.

Fines can be in the range of 15-30 thousand rubles for an employee of a trading establishment who refused to serve by bank transfer. And 30-50 thousand rubles will have to be paid to the owner of the business.

Installation procedure

The entrepreneur must open a current account, which can be issued in any bank. Installing a terminal for paying with Sberbank bank cards involves the following steps:

1. Submit an application to the bank, give a list of documents.
2. Discuss the details with a specialist.
3. Conclude an agreement on the provision of acquiring services.
4. Bank employees install the device and software, train staff to work with the device. All this lasts 10 days after signing the contract.

This completes the procedure. When store employees can work with the device, you can work with a cashless payment. It is desirable to place an announcement about this.

Documents for IP

In order to install the Sberbank terminal in the store for payment by bank cards, the IP provides:

1. Passport copy.
2. Notification from the statistics authorities.
3. Extract from EGRIP.
4. A copy of the state registration paper.
5. Copy of TIN.
6. A copy of the license.
7. Account details.

These documents are provided along with the application for opening a terminal. Only with a full set is the process of registration.

What do legal entities provide?

Installation of a terminal for payment by bank cards for legal entities requires the following documents:

1. Extract from the Unified State Register of Legal Entities.
2. Notification from Rosstat.
3. Copy of memorandum of association.
4. Copy of the charter.
5. A copy of the passport of the head and the order on his appointment.
6. A copy of the certificate of state registration.
7. Copy of tax paper.
8. Account details.

All designated documents must be certified by the signature of the management and the seal. Full list papers provides an opportunity to quickly draw up a contract and install the device.

How is money transferred?

Under an acquiring agreement with Sberbank, a transit account is issued to the client, on which funds transferred from buyers' cards will be stored. Then the money is transferred to the current account. In this case, a transaction fee is calculated. The maximum period for receipt of funds for acquiring is 6 days (if the account is registered with another bank).

Usually, the amount is transferred to the current account within 1-2 days after payment. For the price of services for non-cash payments with buyers is affected by the turnover of the store, the number and type of pos-terminals used, which the organization can buy or rent. Tariffs for acquiring are also determined from the average bill. The higher the turnover, the lower the commission for bank services. Installing a terminal for paying with bank cards is beneficial for every store, since most customers switch to this payment method.

Types of cashless points

Devices are stationary and mobile. Which device will be chosen depends on the working conditions of the trading establishment. Stationary devices are usually located in the hall or service office, where it is possible to ensure the uninterrupted operation of the equipment. In stores, these are cash desks.

If services are provided in the field mode, then a mobile device is required that has a wireless communication module. It turns out that you can pay with it not only at the checkout. The representative of the institution provides the client with a mobile pos-terminal for payment. You must enter the Pin-code, after which the money will be debited, a check will be provided.

The transfer is carried out by a remote PC with installed application from Sberbank, with which the device is connected. A mobile device is considered easier to install and maintain than a stationary one. Such a device is less expensive and more preferred by organizations with a small turnover.

The main elements of the acquiring complex

Installing a terminal for bank payments VTB cards or another bank allows you to automate the process of paying for purchases. The device includes several elements. The acquiring complex consists of:

1. Monitor. Using the device, the operator controls the entered information about payments and goods.
2. System block. It performs procedures for processing and saving information about the transaction.
3. Buyer display. The client can control information about the product, its cost and quantity.
4. Keyboards. Used to enter product information.
5. Card reader. It is built-in and standalone.
6. Printing device. Required to receive a check.
7. Fiscal part. It is used to store banknotes online. They can be mechanical or automatic.
8. Software.

The terminal is similar to a cash register, as it allows you to perform trading operations. But, in addition to accounting for sales, the device accumulates other information, for example, prices, descriptions, expiration dates of goods.

Thus, the presence of the terminal in the store allows you to enjoy many advantages. Moreover, it is convenient not only for sellers, but also for buyers. That is why many entrepreneurs connect this device to work in their store.

Today, making payments through terminal systems is very convenient and, although not like the Internet, but practical - payment is made without a commission, it is possible to pay for many different services, and the transfer speed can only please. Payment instruction utilities through the Sberbank terminal and payment for other services, he will talk about the rules for making a number of payments.

To complete this task, you also need to follow the points that contain the instructions for paying taxes through the Sberbank terminal:

1. Inserting a card into an ATM and entering a pin code.
2. In the terminal menu, select "Payments".
3. Next, you need to click on the required type of payment - "Tax".
4. Specify the required FFS.

Note: The Federal Tax Service is the same organization (in this case, it is the recipient) to which funds are transferred from the payer.

Identifier (this involves payment of payments through the terminal of Sberbank of Russia) of 15 digits, most often it is located in a document on the need to make a payment of a certain amount.

In addition, such an identifier can be read automatically - you need to bring a special code to the device.

After verifying the data, pay for the procedure and wait for the receipt.

Thus, payments are made through the Sberbank terminal quite quickly, without unnecessary troubles or waiting in a long line at the cash desk from those who want to make payments. This procedure does not require such a measure as registering the payment terminal during operation.

Making a payment for a patent

Instructions for paying for a patent through a Sberbank terminal:

1. After logging in (again in the main menu), select the option that provides for payment of other payments in your area.
2. The function of paying taxes, duties and fines.
3. Next, go to the Federal Tax Service (Federal tax service).
4. "Patent Payments".
5. Enter all the data necessary in this case - the phone number, the number of the IFTS, by which the receipt is paid through the Sberbank terminal, the OKTMO code, and so on.
6. Find the item (at the very bottom) that is needed to refuse further submission of documents;
7. Enter the desired amount.
8. The change will be sent to the mobile you specified earlier.

Now let's figure out how to pay to a Sberbank card through the terminal - that is, make a transfer (namely in cash) of funds to your account. You need to do the following:

1. Select the item marked "Payments and Transfers".
2. Enter the number of the card that will accept the transfer of funds. Note: payment to a Sberbank card through the terminal also allows you to transfer money to other accounts.
3. Insert the required number of bills into the bill acceptor.
4. Confirm the transfer by clicking on the corresponding function.

Knowing how to pay to a Sberbank card through a terminal in cash, you can easily replenish your account.

How to use Qiwi terminals, read. Many terminals accept payment not only in cash, but also by payment cards. What cards can be used, see.

Problem solving

How to recover a payment receipt through a Sberbank terminal if it is lost? Very simple! It is enough just to make an appeal to the senior teller of Sberbank, who is obliged to restore all Required documents.

You should also contact if the Sberbank terminal took cash and the payment did not go through - employees usually try to consider all requests from dissatisfied customers.

This step-by-step payment instruction: how to pay through the Sberbank terminal will help you if you need to pay for services of a different nature. Payment through other terminals is carried out in a similar way and has only minor distinctive features, which will be discussed in this section.

Payment terminals have firmly entered the lives of modern people. They can be found in educational institutions, shopping centers, on the street, that is, in all passing places. Many businessmen earn good money on such devices. In this article, we will consider the owners' feedback on payment terminals as a business and see how profitable this line of business is for start-up entrepreneurs.

What are payment devices for?

These machines are designed to accept various payments.

With them, you can pay for:

• Cellular communication;
• Cable TV;
• Public utilities:
• Internet and more.

Such a device works independently, without the participation of an operator. The payment device consists of the following elements:

• Modem that accepts payments;
• bill acceptor;
• Screen;
• Printer for printing receipts.

With this device, the subscriber can quickly pay bills anywhere in the city.

Buy or rent?

There are many ways to organize a business on your own payment terminal. For example, the owner of a chain of stores can install such devices in each outlet. The new service will attract customers, thereby increasing sales. In addition, he will be able to receive additional income from payments. Since the device will be located on its own area, you will not have to pay rent for its installation. Collection and maintenance of payment terminals can be performed by a senior seller or store administrator.

If you are interested in a payment terminal as a business, in order for it to bring a decent income, you need to create a whole system of instant payments. Experts believe that for a successful start, at least 10 devices should be purchased. Entrepreneurs who do not have on hand a large start-up capital for the purchase of equipment can rent the devices. Over time, when the business begins to bring good profits, you can purchase equipment as a property.

Registration

Before you install a payment terminal, you must officially register your activities. First of all, you need to open an LLC in order to be able to conclude agreements with operators of vending payment systems. In addition, it is necessary to register with the tax office so that in the future there will be no problems from the regulatory authorities.

Business Features

Let's see how the business with payment terminals works. Its success is due to various factors. First of all, it's competition. In addition, the location of the equipment plays an important role in this matter. It is also worth noting another factor such as wear and tear. If you install the device in a passage place, for example, in a shopping center, it will be used more often. Accordingly, the device will fail faster.

The next factor is the average check. For example, you have chosen a place with high traffic, but here the device is used mainly to make payments for an apartment. Since the interest on the rent is too low, you will make a small profit. On the other hand, on the minimum payments in some educational institution, you can get 30-40% of income.

If you cannot decide where to install a payment terminal, a ready-made business will be the best option to start. In this case, you will receive a payment terminal installed in a good place and completely ready for operation.

We offer step-by-step instructions for those who are interested in how to start a business on payment terminals:

• Find an equipment supplier and order devices from him. Experienced entrepreneurs who have been working in this area for a long time recommend buying used equipment from hand at the start. Thanks to this, you can save a lot and open more outlets. Before purchasing equipment, read consumer reviews of specific models. Thanks to this, you can avoid problems in the future;
• Choice of location. In order for your business to generate a good income, you need to choose the right place for installing equipment. In this case, you should be guided by patency. The more people passing by, the better;
• Installation and setup. After you choose a place and conclude a lease agreement, you can install the equipment. You can do this work yourself, following the instructions, or seek help from professionals.

Scheme of the payment terminal

Financial part

When compiling a business plan for payment terminals, you must first calculate all the costs. First of all, it's rent. The amount of monthly payments largely depends on the ability to negotiate with the owners of the premises, as well as on an individual approach. If you can convince the management of a mall or hypermarket that installing a payment device will help them attract more customers, they will offer you a minimum rent. In addition, you need to find out how much the payment terminal costs and which payment system you will connect it to.

Initial costs:

• Purchase and connection of equipment - 2.4-9 thousand dollars;
• Monthly expenses:
• Renting a place for the device - 4-8 thousand rubles;
• Internet fee - 600-900 rubles;
• Deductions to the bank - 0.1–0.15% of turnover;
• Maintenance - 4 thousand rubles;
• Collection - 2 thousand rubles;
• income tax.

Now let's try to determine how much profit the payment terminal brings:

• Remuneration from the service provider - 1-3%;
• The fee for using the device, which is charged to customers - 3-5%.

One machine accepts about 150 payments per day. The average check is 150 rubles. In this case monthly income is approximately 30 thousand rubles per month. If you subtract maintenance costs, you will receive a net profit of approximately 18 thousand rubles. With average returns, your initial investment will pay off in about 5-6 months. In places with high traffic, the payback period is significantly reduced.

They bring good income. They can be installed next to payment terminals to generate additional income.

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To ensure a good profit, you need to work hard and constantly expand your network.

Pay special attention to the following points:

• Part of the profit should be invested in the purchase and installation of new equipment;
• Look for new partners. In this case, success largely depends on the chosen payment system. If it does not attract new partners, look for a more successful operator;
• Constantly monitor the patency of points where payment devices are installed. Many entrepreneurs suffer losses because they chose the wrong place to install equipment. If you see that the device is not making a profit, move it to another, more crowded place;
• Constantly improve the quality of service. Thanks to this, you can increase the profitability of the enterprise.

findings

Now you know how to make money on payment terminals. This is quite an attractive and promising source of income. It is great for those who are interested in . According to analysts, the market of payment terminals will show positive dynamics for a long time, since it is not completely saturated, so you can safely enter this business.