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Acquiring system

Acceptance of payments from a bank card is a competitive advantage of the seller and convenience for the buyer. For the client to be able to pay for the purchase not only in the store or via the Internet, but also at home to the courier, mobile acquiring is needed. We will tell you how it works, who suits it and how to connect it.

What is mobile acquiring

What you need for mobile acquiring

How mobile acquiring works

Tariffs for mobile acquiring

How to connect acquiring for smartphones and tablets

Mobile acquiring for self-employed

Can an mPOS terminal replace an online checkout

What are the pros and cons of mobile acquiring?

What is mobile acquiring

Mobile acquiring is a method of non-cash payments outside of a fixed point of sale. You will be able to accept payments from customers from cards, phones or smart watches right at their home. To do this, you only need the Internet, a mobile terminal, a smartphone and a special application.

Acquiring for a mobile phone is suitable for everyone who needs to accept payments on the go:

  • couriers of online stores and delivery services;

  • taxi drivers;

  • insurance agents;

  • sellers in the outbound and outbound trade;

  • everyone who provides services at home, for example, hairdressers, nail masters.

The compact m-POS terminal can also be used at a fixed point of sale with a small area and traffic, where the speed of payment is not so important.

What you need for mobile acquiring

To receive payments anywhere you need:

1. Tablet or smartphone with support for mobile Internet, Wi-Fi and GPS

A special application of the acquiring bank is installed on the mobile device. It allows you to enter the purchase amount and confirm the payment, send receipts, create lists of goods sold.

2. Terminal m-POS or reader for reading a chip, magnetic stripe of a bank card

It is a miniature battery powered device that is easy to carry. It connects to a smartphone or tablet via mini-jack, Bluetooth, USB, or 30pin for Apple devices.

Its principle of operation is similar to that of a merchant acquiring terminal, it also reads bank card data, supports NFC, and can accept payments from a phone or smart watch. The number of functions depends on the type, release time and cost of the device.

Reader for mobile acquiring:

3. Agreement with the acquirer

An acquirer can be either a bank or a processing service that also cooperates with the bank. We talked about what an acquiring bank is and how to choose it in a separate article.

The contract is concluded in two copies, one of which remains with the client. The agreement prescribes the conditions for charging commissions for using acquiring, the characteristics of the m-POS terminal, and the conditions for its service.

To use the mobile acquiring service, you only need to pay for the m-POS terminal itself. There is no subscription fee for merchant mobile acquiring for a smartphone, the bank charges a commission for each payment made.

How mobile acquiring works

You can accept payments after connecting the reader to a mobile device and launching a special application. Payment is made as follows:

  1. In the application, the seller indicates the amount of the payment and its purpose.

  2. The card reader reads information from the customer s card. Sometimes, to continue the operation of the terminal, you need to specify the last digits of the bank card number, this ensures the security of the payment.

  3. The payment data is sent to the servicing bank, which may take about 5 seconds. Authorization takes place and the amount is withdrawn from the buyer s account.

  4. The buyer enters a pin code or puts his signature on the screen of a mobile device.

  5. An electronic payment receipt is sent via the app to the buyer s mobile phone or email.

A regular mobile phone acquiring terminal does not issue paper receipts. This is only possible if it is connected to a fiscal printer or online cash register.

After payment, the seller does not receive money immediately. First, they go to the issuing bank and only then, within the period specified in the agreement, they arrive at the current account.

We will help you choose a merchant acquiring partner
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Tariffs for mobile acquiring

Mobile acquiring fees range from 1.3% to 3% and are charged for each successful transaction. Tariffs depend on the type of activity of the seller, the volume of his income, the payment system used. They are usually higher than merchant acquiring rates.

If you have a large monthly turnover, the size of the commission from each payment can be individually revised in your favor.

Tariffs of the most popular banks for mobile acquiring.




Not more than 2.5%


No more than 2.7%

Ural Bank

No more than 2.7%

“Alfa Bank”

Not more than 2.75%


Not more than 2.75%

The size of the commission is also influenced by the fact that there are several participants in acquiring, each of whom must receive his own income. This is the issuing bank, the acquiring bank, the payment system that issued the card. The tariff includes commissions established by agreements between them.

You can choose a bank for connecting mobile acquiring and compare in the acquiring calculator. It contains up-to-date offers, among which you can choose the most profitable.

How to connect acquiring for smartphones and tablets

Individual entrepreneurs and legal entities with an open current account can connect mobile acquiring to a phone. To do this, it is enough to contact the bank that provides the corresponding service, or to a processing center, for example, 2can, SumUp or Pay-Me. When connecting mobile acquiring, they act as intermediaries, since the contract for the receipt of the service will still have to be concluded with the bank, but the service can set the commission a little lower.

You can apply to the bank:

1. In person – when visiting the department with a full package of documents.

2. Remotely – for this, on the official website of the bank, you need to send an application form and scans of documents confirming your legal status. After the approval of the application, an agreement for the connection of acquiring via a smartphone will be sent to the personal account of the online bank. It must be printed in two copies, signed and stamped, and then sent to the bank

The list of documents for connecting mobile acquiring in banks is standard:

For individual entrepreneurs

For legal entities

  • the passport;

  • TIN;


  • bank account details, if it is opened with another bank;

  • service connection application.

  • constituent documents with a decision on the appointment of a head;

  • the passport of the head of the legal entity;


  • bank account details, if it is opened with another bank;

  • service connection request.

The same list of documents is needed for remote connection to the mobile acquiring service through the processing center. You send them an application and scanned copies of documents, they issue an invoice for payment of the mPOS terminal and send the documents to the bank for registration. After completing the payment, you can pick up the terminal in a convenient way and sign an agreement with the acquiring bank.

Mobile acquiring for self-employed

Individuals who do not have a current account to generate income cannot conclude a mobile acquiring agreement. More and more banks are meeting self-employed individuals who are registered with the IFTS.

For example, VTB Bank launched the SoftPOS mobile application, which replaces the mobile terminal. When installed on a smartphone or tablet with an NFC module, it allows you to read bank card data in a contactless way. All data on completed transactions are transmitted to the Federal Tax Service through the fiscal data operator. The application is designed for self-employed and micro-business enterprises. Samsung and INPAS have a similar solution.

Self-employed individual entrepreneurs have more opportunities. Having changed the tax regime to NAP, they keep their current account and can easily connect any mobile acquiring option via the phone. We told how self-employed people can connect acquiring.

Since acquiring is a method of making non-cash payments, self-employed people must independently take into account their income in the My Tax application and pay tax on professional activities within the timeframe established by law.

Can an mPOS terminal replace an online checkout

In cases where, according to the law, an individual entrepreneur or a legal entity is obliged to use an online cash register, acquiring equipment cannot replace it, even though it is possible to send a slip (check).

Acquiring is a method of debiting funds from a bank card, and a generated check is a confirmation of this debiting. It does not replace a cashier s check with all the information that should be contained in it (Article 4.7 of the Federal Law of 22.05.2003, No. 54-FZ).

The mobile terminal can be wired or wirelessly integrated with the online cash register. In this case, from m-POS to the cash register with a fiscal registrar, all information about the transactions performed will be transmitted.

Also, the mPOS terminal can be integrated with a cloud-based online cash register. This is not a physical device, but software, which, in accordance with Federal Law No. 54-FZ dated 22.05.2003, allows sending electronic checks to the buyer and keeping trade records. The seller gets access to such an online checkout through special cloud services.

By law, you can use the online cashier outside the place of payment using a mobile terminal:

  • in the case of distribution trade;

  • remote sale of goods;

  • upon receipt of payment at the place of provision of services (part 5.6 of article 1.2 of the Federal Law of May 22, 2003, No. 54-FZ).

To get a full-fledged cash register for accepting payments at the exit, you need an m-POS terminal with a smartphone or tablet, as well as a mobile online cash register with a fiscal registrar. All devices are quite compact individually, but it is inconvenient to carry them all at once. In addition, you need to ensure that everyone has sufficient battery power.

A more convenient option is a mobile online checkout with built-in acquiring. Such solutions are offered, for example, by the service “MTS Cashier”, “Sberbank”.

What are the pros and cons of mobile acquiring?



1. You can increase the flow of customers and the average amount of the check

2. There is no risk of getting a counterfeit bill and no need to look for change

3. You can activate the mobile acquiring service quickly and without visiting the bank

4. Payments can be accepted anywhere there is internet

5. Easily manage payments and prepare reports on transactions

1. Mobile acquiring is not available to individuals

2. It takes time and good Internet to make a payment, otherwise the terminal will malfunction

3. To send a check, you need to get from the buyer his phone number or e-mail address

4. Commission for making each payment can be up to 3%

5. Not all cardholders trust this method of payment, questioning its safety

Post Author: Rachel Reinbauer

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