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Acquiring system

To accept payments from bank cards, you need to connect special equipment to the checkout. But some cash desks were initially adapted to accept non-cash payments. We will tell you what types of business a mobile cash register with a terminal is suitable for and how to start working with it.

Acquiring at the checkout with a terminal

  • Online checkout and requirements for it

  • Bank terminal

  • Acquiring procedure

Types of online checkouts with a terminal

  • Mobile checkout with built-in acquiring

  • Stationary cash register + terminal

Advantages and limitations of a mobile checkout

Connecting a cash register with a terminal

Acquiring at the checkout with a terminal

Law 54-FZ requires all payments to be made through an online cashier. There are exceptions, but they cover a very limited list of situations. On the official website of the tax office, you can take a test and find out if the cash register is right for you.

So if you accept card payments through a bank terminal, it must be connected to the cashier. Then the client will receive a sales receipt, the cash register will send the purchase information to the tax office, and all the rules will be followed.

Online checkout and requirements for it

For individual entrepreneurs and companies, there are different periods of transition to online cash registers due to the specifics of the business. But regardless of whether you install an online checkout sooner or later, the basic requirements for it are the same.

  • Transfer of information to the tax office. The FTS should receive information about all your sales through the cashier. To do this, there is a fiscal drive at the checkout or next to it – a device that transmits data about payments via the Internet. It does this using the Fiscal Data Operator (OFD), which you connect to after purchasing the checkout. A list of officially approved OFDs is available on the tax office s website.

  • The names of the goods in the check. The checkout must print a list of items in the check: usually it comes from a cash register program or a system for accounting for items in a warehouse. Only individual entrepreneurs in special regimes who do not sell tobacco and alcohol are exempted from this obligation until February 1, 2021.

  • The presence of the cash register in the official register. All models of cash registers and fiscal drives approved by the Federal Tax Service are listed in the register of cash registers. Check before buying if it has your future cash register.

  • Permitted software. The program that manages the work of the cash register must comply with 54-FZ. And it also requires its compatibility with the software of other equipment: an acquiring terminal, a barcode scanner or a cash register.

Otherwise, the checkout should be convenient for your particular business. There are powerful stationary and small mobile versions on the market, self-checkout counters, devices for mini-coffee shops and large supermarkets.

Bank terminal

The acquiring terminal allows you to accept non-cash payments from cards, smartphones or smart watches. Usually, entrepreneurs rent or buy terminals from their acquiring bank, which credits payments from buyers cards to the merchant s current account. The bank also maintains the terminal and updates the software.

The terminal works in conjunction with an online checkout. Most often, this is a separate device that is connected to the checkout using a wire or wirelessly within the same WiFi network. But some devices combine an online cash register and a terminal in one case.

Acquiring procedure

Acquiring is a banking service for accepting non-cash payments from customers. The bank credits the buyers money to the seller s account and retains a commission for the service – 1-3.5% of the payment amount. As a rule, the current account is also maintained by the acquiring bank.

Here s how the acquiring procedure goes with the cash register and the terminal, if the client pays by card:

  1. The cashier transfers data from the cash register to the terminal in order to prepare it for accepting money.

  2. The buyer brings the plastic to the terminal or inserts the chip into the slot, enters the pin code.

  3. The device transmits data to the acquiring bank.

  4. The bank looks to see if the card is on the stop list and contacts the issuing bank that issued this card.

  5. The issuing bank compares the purchase amount with the balance on the buyer s account, if there is enough money, it writes off the amount.

  6. The terminal sends data to the cash register, the cash register prints receipts and transfers the information about the purchase to the tax office.

If the terminal is a separate device with its own receipt printer, it also prints an acquiring slip (slip), which confirms the wire transfer. A cash register or acquiring check can also be electronic, then they are sent to the buyer s e-mail or they are offered to download the check using a QR code.

7. Within 1-3 banking days, the issuing bank will receive confirmation documents of the purchase from the acquiring bank and transfer the amount to the seller s account.

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Types of online checkouts with a terminal

Most sellers work with stationary cash desks, to which a separate bank terminal is connected. But there are portable cash registers with a built-in terminal for bank cards: such mobile devices with acquiring are suitable for individual entrepreneurs and small businesses.

Mobile checkout with built-in acquiring

The type of devices that combine a cash register and an acquiring terminal in one housing is called a mini cash register or smart cash register. They have a mini-computer and cash register software, a fiscal drive, a keyboard, a screen and a receipt printer, a terminal and a battery for autonomous operation. Such devices are also included in the register of cash registers, for example:

  • Lightbox 5;

  • MSPOS-K;

  • Atol 60F;

  • Evotor 5;

  • MTS cash desk 5 “with FN and acquiring.

The average price of a portable online cash register with acquiring is 25-30 thousand rubles, and this is not much cheaper than a simple stationary cash register and terminal. An inexpensive alternative to such a device is a mobile terminal and a cloud-based cash register.

Stationary cash register + terminal

A cash desk with a separate terminal is a simple and popular set for shops with high traffic, catering, and services. Cash register and acquiring software must connect, and usually there are no problems with this. The terminal is connected to the cashier by wired and wireless means.

  • A wired connection is the most reliable option, it speeds up payment and receipt printing. The terminal is connected to the cash register using a USB cable or a COM port, placed on a counter or mounted on a rotating bracket. Often, an external mini-keyboard is also connected to the terminal for entering pin codes and receiving contactless payments from cards.

  • A wireless connection is needed in the field of catering and services, if customers pay in the hall, and not near the cash register. To do this, the terminal and the cashier are configured to work together within the same WiFi network. Wireless terminals are more expensive, and not all checkout models can be connected to them.

The terminal for the cash register will help you to choose a bank or a company where you buy cash register equipment and software. Here are some examples of kits:

  • box office Evotor 10 + Ingenico IWL 228 Wi-Fi terminal;

  • Dreamkas F ticket office + Pax SP30 terminal;

  • MTS 12 cash desk + Ingenico iPP320 terminal;

  • cash desk YARUS TC + terminal YARUS C2100;

  • Viki Mini cash register + PAX SP30 terminal.

The cost of the set is higher in comparison with the mobile mini-cash register: 25-60 thousand rubles for the cash register and 5-30 thousand rubles for the terminal.

Advantages and limitations of a mobile checkout

An online cash register with a bank card terminal is optimal for off-site trade: delivery, taxi, home services such as cleaning or computer repair. Such a device can also be used in a store with low traffic and a small assortment of goods, it almost does not take up space on the counter, and works only a little slower than a stationary cash register.

The cashier with acquiring accepts payments both from bank cards and cash, so it does not restrict you in the methods of accepting payments. Most models are equipped with a mini-printer, and the cash register will print a receipt with a note on the payment method. If there is no printer, an electronic receipt can be sent to the customer s e-mail or a QR code can be created to download the receipt.

The device connects to the Internet via WiFi or a SIM card of a mobile operator. It is more convenient to enable both connection methods to avoid delays due to poor connection. Many models of online cash registers also have a connector for connecting to the network using a cable: in a store, an individual entrepreneur or a cashier can work with the terminal via Ethernet, this will increase the speed of payment when acquiring.

In addition to the speed of work, mini-cash registers have another key difference from stationary cash registers – not such a convenient interface. You will search for goods from the catalog of the cash program longer, and if there are a lot of goods, you will have to remember their names or keep a list of codes before your eyes. You also need to remember to regularly recharge the cash register battery and start a car charger so that the courier can do this on the road.

Connecting a cash register with a terminal

If you have a new business and you choose equipment from scratch, nothing limits you. If the business is operating and you have already acquired, for example, an accounting service or a warehouse program, choose a cashier with software that can be integrated with your working system. Ask the software developer you are already working with and the cashier salesperson about this.

  1. Select the acquiring bank where you will be serviced and find out which smart-cash registers it offers for redemption or lease. Ask if you will be connected to a cash register purchased on the side. Select an acquiring tariff and a current account tariff.

  2. Select the cash register model, decide how you will access the network: via WiFi, a mobile operator, or also using a network cable.

  3. Fill out the application for the bank, prepare the documents according to the list and conclude an agreement. After that, a specialist will come to you, install the cashier and teach you how to use it. All that remains is to sign an agreement with the OFD and register the cash desk with the tax office, but many banks take this issue upon themselves.

Post Author: Rachel Reinbauer

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