Today we have prepared a list of banks with favorable acquiring conditions for individual entrepreneurs and LLCs. Let's compare rates for all types of acquiring and choose the best one.
Banks' tariffs for merchant, mobile and internet acquiring
The RKO Tarifa.ru portal has compiled a rating of banks for all types of acquiring - retail, Internet and mobile. Below we will analyze the terms of service and features that should be paid attention to by legal entities and individual entrepreneurs when choosing a bank. We have also prepared recommendations for companies planning to buy payment terminals and install Internet acquiring on the site.
| Bank | Merchant acquiring | Internet acquiring | Mobile acquiring |
|---|---|---|---|
| Modulbank | up to 2.3% | up to 2.4% | up to 2.3% |
| Bank Point | up to 2.3% | 0.028 | up to 2.7% |
| Alfa Bank | up to 2.1% | from 2.4% | up to 2.75% |
| UBRD | up to 2.5% | up to 2.5% | up to 2.7% |
| Sovcombank | up to 2.6% | 2,6% | 2,3% |
| Sberbank | up to 2.5% | up to 2.2% | 2,5% |
| Rosbank | 1,8% | 2,5% | 1,8% |
| VTB | from 1.6% | by agreement | up to 2.7% |
| Tinkoff | up to 2.69% | up to 2.69% | up to 2.69% |
| Delobank | up to 2.2% | up to 2.2% | up to 2.2% |
Which bank from our rating to choose for individual entrepreneurs and LLC
When choosing a bank for individual entrepreneurs or legal entities. persons should pay attention to the following conditions:
- Connection fee and subscription fee - banks represented in our rating for merchant acquiring install payment terminals free of charge. Many of them bear the cost of setting up and maintaining the equipment. And also a technical specialist conducts free instruction for cashiers and managers.
- Commission size... For each card payment, the bank charges from 1.5 to 2.5% for merchant (mobile) acquiring and 1.8-2.5% for Internet acquiring.
- Terms of commission accrual... The rate can be fixed, that is, it does not depend on the volume of non-cash payments. Some banks set tariffs for acquiring depending on the turnover - the more transactions with card payment, the lower the commission will be.
- Acquiring connection terms - usually it takes 3 to 10 days to complete a contract and install POS terminals or a payment module on a website. If you want to connect acquiring as soon as possible, contact the bank where you have an account / account - you will not have to collect the package of documents again.
- Bank where the account is opened... You can have a current account in one bank and order acquiring in another.
And also pay attention to what cards the terminals accept. It is desirable that these were not only the most popular ones - MIR, Visa, Mastercard - but also Union Pay or AmEX. And it is important that the terminal supports the contactless payment function.
Acquiring terms for small business
The bank takes a commission from each non-cash payment for acquiring. It is better to find out in advance if the bank has a minimum commission limit for one terminal.
For example, according to the terms of the contract, at least 300 thousand rubles must pass through one device per month. Or the bank's remuneration must be at least 2,000 rubles. That is, if the terminal turnover is less than 300 thousand, 2000 rubles will be debited from your account.
POS terminals can be rented or purchased from a bank or an authorized manufacturer. Choose a bank where you can rent equipment for free. You will not only have it installed and configured, but also repaired or replaced with a new one in case of malfunction.
In some banks, you can arrange an installment plan if you want to buy payment devices. For example, mPOS terminals (card readers) for mobile acquiring are most often bought. The approximate cost of one device is from 7,500 rubles. If you have your own terminals, then you can work with them - find a bank that connects equipment from this manufacturer to acquiring.
Pay attention to the term for crediting the proceeds to the account. Many banks send money within 24 hours after a cashless payment. However, the reimbursement period can be up to 3 days or more, which is often the case when the account is opened with another bank.
How to connect acquiring
You can apply for acquiring remotely. To do this, fill out the form on the website of the selected bank. Usually it is required to indicate a minimum of information about the organization (name, TIN) and contacts. Next, a specialist will contact you, tell you what documents will be required to conclude an agreement, and agree on the time of the meeting.
If you apply to a bank where you have an account, it is enough to fill out an application or submit an application through your personal account. If your current account is opened with another bank, you will first need to collect documents. An approximate list of documents that will be required from you for acquiring:
- Passport and TIN - from individual entrepreneur.
- The charter, the order on the appointment of the director to the position and his passport - from a legal entity.
- Documents for the premises where the terminals will be installed.