Today we have prepared a list of banks with favorable acquiring conditions for IP and LLC. Let's compare the rates for all types of acquiring and choose the best one.
Tariffs of banks for trading, mobile and Internet acquiring
The RKO Tarifa.ru portal has compiled a rating of banks for all types of acquiring - commercial, Internet and mobile. Below we analyze the conditions of service and features that should be paid attention to legal entities and individual entrepreneurs when choosing a bank. And also we have prepared recommendations for companies that plan to buy payment terminals and install Internet acquiring on the site.
| Bank | Trading Acquiring | Internet Acquiring | Mobile Acquiring |
|---|---|---|---|
| Modulebank | 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 IP and LLC
When choosing a bank for individual entrepreneur or legal entity persons should pay attention to the following conditions:
- Connection fee and monthly fee - banks represented in our rating on merchant acquiring install payment terminals for free. Many of them incur the costs of setting up and maintaining the equipment. And also a technical specialist provides free training for cashiers and managers.
- Commission amount. From each payment with a card, the bank deducts from 1.5 to 2.5% for trading (mobile) acquiring and 1.8-2.5% for Internet acquiring.
- Commission accrual conditions. The rate can be fixed, that is, it does not depend on the amount of cashless payments. Some banks set acquiring tariffs depending on the turnover - the more card transactions, the lower the commission.
- Acquiring Dates - 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 in which you have an open account - you do not have to collect a package of documents again.
- Bank where the account is opened. You can have a bank account in one bank, and arrange acquiring in another.
Also pay attention to which cards the terminals accept. It is desirable that these were not only the most popular - WORLD, Visa, Mastercard - but also Union Pay or AmEX. And it is important that the terminal supports the contactless payment function.
Small Business Acquiring Terms
For each non-cash acquiring payment, the bank charges a fee. It is better to know in advance whether the bank has a minimum limit on commission for one terminal.
For example, under the terms of the contract, at least 300 thousand rubles should pass through one device per month. Or the remuneration of the bank should be at least 2000 rubles. That is, if the terminal turnover is less than 300 thousand, 2000 rubles will be written off your account.
POS-terminals can be leased or purchased from a bank or an authorized manufacturer. Choose a bank where you can rent equipment for free. Not only will it be installed and configured for you, but it will also be repaired or replaced with a new one in case of a 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 period of crediting the proceeds to the account. Many banks send money within 24 hours after non-cash payment. However, the reimbursement period can reach 3 or more days, which often happens when an account is opened in 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 you need to specify 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 a meeting time.
If you contact the 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 in another bank, you will need to first collect documents. An approximate list of documents that will be required from you for acquiring:
- Passport and TIN - from IP.
- The charter, the order on the appointment of the director to the post and his passport - from a legal entity.
- Documents for the premises in which the terminals will be installed.
