Having written the title of this publication, I hung up a little, thinking in which section should I define it. Initially determined by the location of the problem. All the described facts took place in the work with "1C-Bitrix". I’m not sure that this binding is 100% appropriate, but I simply didn’t have another one. While this material was being prepared for release, it almost wrote itself. Thus was born my blog. With which I congratulate all readers (:
Now seriously. Or something like that.
Question theory
Internet acquiring is the acceptance for payment of personalized bank debit and credit cards through the Internet. To provide Internet acquiring services, acquiring banks and processing centers use a specially designed interface that allows bank card holders to make payments on the websites of online stores and online services.
What is the difference between Internet acquiring and acquiring as such? In essence, nothing. The only difference is that the card data is not read by a card reader located in the store, but is entered by the buyer on the site in a special form.
In essence, the main task is clear: you have a website (for example, an online store) and you plan to receive payment for orders.
Sberbank internet acquiring modules for 1C-Bitrix
The Marketplace contains at least 3 solutions regarding integration with Sberbank acquiring.
All are paid. The price tag varies. From 1000 to 3700 rubles (at the time of publication). Interested? Look for .
The commercial minute has passed. In general, I was ready in advance for the need to purchase a module (in order to save time). However, I decided to test the nerves of the employees of this payment aggregator: the presence of a module for integration is an integral part of any sane billing (isn't it?).
The result was positive. Initially, I was promised a module for Bitrix CMS for free. After that I received 3 volumes of integration documentation. But there was a small but extremely important postscript: "the module for Bitrix is under development and will be sent to you in the coming days." The timing in this case is a separate subject for proceedings. We will return to it a little later.
In less than a week, the long-awaited and completely free payment system processor for 1C-Bitrix was actually sent to me.
Payment process by credit card
Conclusion of an agreement
Let's go back a step. The process of concluding a contract is a separate article of time and nerve cells.
I am a little connoisseur of the paper/documentary part. But. An exception is the conclusion of an agreement with Internet acquiring from Sberbank. Here you will be asked to tell such details of your entrepreneurial activity that you did not even know about.
You need to understand that the terms of the conclusion of the contract will be from 2 weeks to one and a half months. In general, it depends on a lot of factors. But the process is definitely not fast.
Technical support
In this part, we are talking about the work of a personal manager from billing and technical support. Unfortunately, in this case, these things are completely isolated.
Let's start with the fact that the contractor is engaged in technical support (as far as I understand) - the BPC company. How else to explain the involvement of this completely third party organization to the procedure for integrating with Sberbank billing - I don't know. This is an important aspect, since everything begins and ends here.
Technical support is available primarily via e-mail. The average response time to a request is from 5 hours to 2 business days. In telephone mode, they will listen to you carefully and give recommendations to write to e-mail. The process is accelerated through a manager from Sberbank, whose main task is to conclude an agreement and answer general questions. By personal experience: 50% of email responses are either “you need to contact the specialist who did the integration” or “the reasons for this can be various.”
In the first 7-10 working days, I managed to get whole line complaints that there are problems when trying to pay for the order. Unfortunately, the technical support staff did not express any attempts to solve the problem, referring to the fact that "the problem occurs on the side of the gateway." In general, the picture resembles a game of ping-pong. The payment gateway itself, represented by Sberbank, refers to those. support, which in turn refers to the bank.
Advantages of Internet acquiring from Sberbank
Let's talk about the benefits. More precisely, about the advantage. Because I haven't been able to find one yet.
The cost of Internet acquiring is about 2.2%, depending on the chosen tariff plan and the payment turnover of a particular store. This rate is perhaps the most advantageous offer on the entire payment billing market today.
Conclusion
My personal conclusion: the only advantage of this payment aggregator is the rate. All other aspects are highly questionable. Perfect payment billing is the old formula for value for money. At the moment, Internet acquiring from Sberbank is far from ideal.
Sberbank- the largest acquiring bank in Russia, with many years of experience in the acquiring services market, its own processing center, and a team of highly qualified specialists. The bank provides acquiring services for high level, they are distinguished by the minimum cost. This eliminates the possibility of leakage of confidential information.
Attention!
Currently, the Sberbank service offers a solution regarding 54-FZ for online stores, sending fiscal data from an online store to cloud cash desks.
For this you need:
1) Contact your account manager or support team at [email protected]
Functionality of Sberbank:
- Increasing the number of customers and turnover of your company
- Security and convenience of payments
- Profitable terms service and reimbursement as soon as possible
- Joint affiliate programs for bank card holders.
Consider how to connect and set up Internet acquiring from Sberbank in an online store on the ADVANTSHOP platform.
The first thing to do is send an application for connection to Sberbank Acquiring, conclude an agreement and register. Go to the site https://www.sberbank.ru/ru/s_m_business/bankingservice/internet_acquiring and click on the “Start accepting payments” button (Fig. 1)
Picture 1.
A window will open where you need to enter data and send a connection request (Fig. 2). In the Acquiring type field - choose Internet Acquiring
Figure 2.
After that, you are contacted, you conclude an agreement, negotiate the terms of cooperation and are given access to your personal account.
Figure 3
In the pop-up window, enter a name and select the “Sberbank-Acquiring” module from the drop-down list (Fig. 4)
Figure 4
Set the activity of the payment method, and fill in the settings fields (Fig. 5)
Figure 5
Sberbank sends all the data to fill in the fields to your mail:
Login is the API name for your merchant from the Sberbank system, merchant-api type (where merchant is the merchant name given to you by Sberbank, see below). Note! Login is the name of the API, not the name of the Operator
Password - used to protect data transferred from Sberbank to the store and from the store to Sberbank
Merchant name - the name of the merchant assigned to you by Sberbank
Send check data- If you want to transfer fiscal data to the cloud cash desk through Sberbank, check this box
Return_url - notification in case of correct payment.
Cancel_url - notification in case of an error.
Notification URL - processing of payment notifications.
Save your changes.
After the steps have been taken, check the test payment.
Check the box “Test mode”, check the payment on a product priced at 1-5 rubles. If the payment is correct, contact Sberbank; Sberbank support service will tell you the “combat” settings (login, password, merchant name), which you will need to specify in the method settings on the store side (instead of test settings).
After that, uncheck the "Test mode" checkbox.
Attention!
In a letter with “combat” settings, Sberbank will send you the name of the merchant, the name of the API, the name of the Operator and a password for 1 entry. Before specifying these “combat” settings on the side of the merchant, go to https://securepayments.sberbank.ru/mportal/ , log in using a merchant-api login (where merchant is the name of your merchant) and use a password for 1 entry (sent by you by Sberbank in a letter with “combat” settings). After authorization, you will see a password change form - enter a new password (it will be used instead of a temporary one). It is this new password that will need to be specified in the store settings.
Additionally, please note that the password for the merchant-api login and the password for the merchant-operator login are different passwords. Use only the merchant-api login password in the store settings.
Typical errors and their solution:
- After placing an order and trying to pay for it, you are redirected to a page with a 404 error and an address like https://3dsec.sberbank.ru/payment/merchants/(data)/payment_ru.html?mdOrder=(id)
Solution: You need to go to the personal account of Sberbank, the link to which was sent to you in the letter with the settings (address like https://3dsec.sberbank.ru/mportal-uat/index.html), go to the "Payment page", click "Download reference payment page", then upload the same archive back.
- After placing an order and trying to pay for it, you are redirected to the main page of the site
Solution: You need to specify the correct payment method settings in the "Login", "Password" and "Merchant name" fields. Please make sure you are correct when sent to you by Sberbank initially.
Attention!
It is necessary to produce on the side of Sberbank both for the login of the login-api type and for the login of the login-operator type.
- Payment notifications are not displayed in the list of orders (for those orders that were paid through Sberbank).
Solution: You need to email [email protected] a request that your merchant on the side of Sberbank register a URL for notifications (Notification URL) - this URL is specified in the settings of the Sberbank payment method on the side of the store.
Modern technology has made shopping in stores as simple as possible. This was made possible thanks to special POS terminals. Such a transfer Money from buyers is considered the most convenient, affordable. Many entrepreneurs have already chosen Sberbank payment terminals for individual entrepreneurs.
What are the advantages of a payment terminal
Businesses continue to grow through the use of terminals by retailers. Here are just a few reasons why you should choose this service option:
- No restrictions on denominations of banknotes. That is, it is possible to make more purchases, for larger amounts.
- Cashless trade brings the seller a serious profit. There is no danger of running into those who use counterfeit banknotes. And there is no need to look for a trifle for exchange.
- About a third of the population chooses the non-cash payment option. If the point of sale is not equipped with such devices, there is a high probability that buyers will simply pass by.
Many prefer cashless payment
Compared to conventional banknotes, working with cards is less inconvenient. Calculation for goods and services comes in a few seconds. Cashiers no longer need to count banknotes. The probability of a shortage of cash desk funds is minimized when POS terminals of Sberbank are used.
Do not forget about the legislative aspects. Since 2014, a new law has been adopted. He says that the installation of POS-terminals is mandatory for all retailers who earn more than 60 thousand rubles a year. In this case, paying for purchases by bank transfer is the most convenient option for interacting with customers.
Rospotrebnadzor is an organization whose employees strictly monitor the implementation of the law. Employees face fines of up to 30,000 rubles if they refuse to accept a card from a customer. In this case, the entrepreneur will give up to 50 thousand.
Installation of terminals in retail outlets
To do this, you need to conclude an acquiring agreement. Only legal entity and individual entrepreneurs get access to the service. In addition, you can not do without opening your own current account. At the same time, it is not necessary to do this at Sberbank, let's say the option of contacting another organization to solve the problem. It's just that when you open an account in Sberbank, the operations for crediting funds are much faster.
To install a POS terminal, it is enough to contact the bank employees, in one of the branches or through the online application form. It remains to wait for feedback from the representatives of the organization.
The representative of the company must leave for a personal meeting and inspection of the outlet itself. After that, various details are specified for a service such as maintenance, such as the type of terminal used, supported payment systems, and so on. Then they proceed to the collection of a package of documents, a personal visit to the bank. The last stage is the execution of the acquiring agreement
The terms of the contract and its content affect the time frame for which the procedure is carried out. But rarely it takes more than 10 days.
The client himself makes a choice based on the main activities:
- Option integrated into cash register equipment.
- Autonomous. A device that works independently, without communication with the cash registers.
Autonomous payment terminals work mobile or stationary. The last type of model is placed directly indoors. A power source is required, as is installation where customers are directly served. At work mobile devices The main sources are:
- Battery.
- dial-up.
- ethernet.
- GPRS.
A current alternative, if the entrepreneur operates at home, travels.
At the same time, any types of devices can not only be bought, but also rented. Any device has the appropriate characteristics, meets the requirements of standards.
POS-terminals of the integrated type: instructions for use
After the installation procedure is completed, store employees are trained in the operation of devices. In addition, brochures are issued, which describe the basic information related to the device. For the first time, a Sberbank manager will be specially assigned to the organization in order to control the current work.
Terminals of this type equipped with the following components:
- The keyboard used when entering the PIN.
- A printer to help print checks.
- A device that implements contactless payment.
- A device that reads data from magnetic stripes.
- A device for reading information from a chip.
- Graphic display.
- Keypad that facilitates the management of various functions.
The main differences between the devices from each other lie in appearance. But any variety has a red and green keys. One confirms the operation, the other cancels data entry if necessary. Sometimes yellow buttons are used to help correct information.
Payment terminal
Carrying out a transaction on a card with a chip
The following instructions describe the operation of chip payment devices:
- If the device is used for the first time, then it is necessary to insert paper so that there are no problems with printing a check.
- The amount payable is checked separately.
- Inserting the card into the end at the bottom, the chip should be at the top.
- A message appears on the display asking you to enter a PIN code. The main thing is not to make mistakes.
- Confirmation of the previously performed action is carried out using the green key.
- If the transaction is successful, all that remains is to pick up the check.
Pulling out the card is not allowed until the operation is completed.
Using Magnetic Stripe Cards
The instruction consists of the following steps:
- Displaying the amount to be paid on the display. It remains to insert the card inside, the strip with the magnet also goes inward.
- Some devices are asked to specify payment system, Visa or MasterCard. Or you can select the appropriate option from the drop-down list on the display.
- It remains to enter the last four digits of the card number.
- PIN code is entered. At the last stage, the operation is confirmed with the green key.
Sometimes the mobile terminal supports the so-called contactless payment option. It is enough just to attach the card itself to the device if it has the PayWave, PayPass logo. The main thing is that a special flashing indicator should be present on the case near the terminal itself. In its absence, operations are carried out only with the reading of magnetic stripes, chips.
Payment terminals allow you to increase the flow of customers
Acquiring from Sberbank: service features
In Sberbank, you can conclude agreements of three main types:
- Mobile.
- Trading.
- Internet.
The most popular option was trading. Indeed, thanks to this scheme, it is easy to carry out cashless payments at any outlets. The same goes for service providers. In this case, cards and POS-terminals at the checkout are enough to make a payment. The terminal automatically reads the information from the submitted payment instrument. The purchase amount is immediately credited to the company's account.
The Sberbank payment terminal in the store is owned by the bank. They are owned legal entities only after an agreement has been signed. The volume of cash turnover of the enterprise affects what the commission will be in connection with the provision of equipment for rent.
Internet acquiring is also becoming popular, along with purchases through online stores. Connection to special programs for the client is automatic, there is no need to purchase optional equipment. This is the main merit.
Conclusion
The above is a description of the main functions that it can handle. bank terminal for plastic cards. Customers have no restrictions on their number. Models can even support reconciliation of results at the end of a shift. It is better to consult with a manager from Sberbank in advance to understand which functions are of greatest interest. The use of cards speeds up any transactions. But a lot also depends on how high-quality communication is established with the bank in a particular case.
Do you want your customers to pay for your services with cards? Then the acquiring service from Sberbank is perfect for you! After all, it is simple and convenient.
What is acquiring
Acquiring from Sberbank- the possibility of accepting bank cards for payment for goods and services. The main advantage of acquiring is the convenience of accepting money for services rendered. Most of the world's population prefers non-cash payments using a bank card to cash. This greatly simplifies life.
Acquiring can be of two types:
- Regular acquiring (accepting payment in regular stores)
- Online acquiring (accepting payments on websites on the Internet and in mobile applications)
The usual merchant acquiring of Sberbank is suitable for paying at your outlets, and Internet acquiring for accepting payments in an online store, in in social networks, in messengers and even when paying from an email. In the case of Internet acquiring, in accordance with 54-FZ, you will be provided with integration with the tax office, so everything will be transparent.
Benefits of acquiring Sberbank
Everyone chooses acquiring according to their needs. If you are still thinking about connecting or not connecting acquiring from Sberbank, then feel free to decide, because:
- you will get rid of queues in your store
- reduction of time for receiving payments
- increasing customer loyalty to the store and, as a result, increasing the average check
- reduce collection costs
- according to statistics, most of the spontaneous purchases occur precisely with a cashless payment by card
How much does acquiring cost: tariffs and commission rates
You have to pay for convenience, and therefore, let's calculate the future expenses of the owner of the enterprise when starting to accept payments by bank cards.
The cost of acquiring in each case is individual and depends on the size of your company. And, of course, the cost of acquiring depends on the type: for Internet acquiring (the cheapest type of acquiring), this rate is from 1.8% for turnovers from 7 to 10 million rubles (for a turnover of more than 10 million rubles - a more favorable individual tariff) per month and 2% with a turnover of up to a million per month.
As for the usual classic acquiring, the rate there will be slightly higher - approximately 2.5-3% and higher. The rate will be individual and will be announced to you by the Sberbank manager after you submit an application for acquiring connections and after that you decide whether you need acquiring or not. Also, according to the terms of the agreement, the bank’s commission depends on the type of client’s card: for Visa, MasterCard, Maestro, Visa Electron, PRO100, MIR, JCB, UnionPay cards, you will have to pay more than for accepting payments with Sberbank-Maestro, Sberbank-Visa Electron cards .
Payment for bank services is paid from each transaction and is debited from your current account instantly.
In addition to paying a commission for each operation, you will pay rent for payment terminals, since, according to the terms of the agreement, payment terminals are the property of the bank. The fee is debited within the first 10 business days of the following month.
How to connect acquiring?
To connect acquiring from Sberbank, it is enough to fill out a simple application on the Sberbank website: fields full name, contact phone number, region where you are going to connect the service, as well as the city. After sending a request to connect the acceptance of payment by cards from Sberbank, a bank manager will contact you to clarify the details. There are few details, here are some of them: type of activity, average monthly turnover, number of points of sale where acquiring is required.
After receiving this information, the bank will calculate the cost of the service, and if this price suits you, then you can proceed to conclude an agreement.
How does the acquiring procedure at Sberbank work?
After reviewing the bank's tariffs, you conclude an agreement with the bank
Depending on the type of acquiring:
Sberbank installs its equipment at your point of sale and configures it (classic acquiring)
Acceptance of payment by bank cards is integrated into your website (Internet acquiring)
Ready! Now you can accept payments to your account for goods or services using bank cards.
Features of acquiring Sberbank
The commission for the acquiring service is charged from each transaction. The amount minus this commission is credited to the entrepreneur's current account. All additional agreements(additions) posted on the Sberbank website automatically come into force without the need for additional signatures and are automatically accepted by the client.
To join Sberbank acquiring, you will need to fill out the following documents:
Sberbank technical support for acquiring
In any difficult situations, Sberbank technical support will help you by phone numbers:
7 495 544-45-46
+7 495 788-92-74
8-800-77-555-55
Why you need to connect acquiring in Sberbank of Russia
Sberbank is the largest Russian bank and, accordingly, the most reliable partner in the financial services market. By connecting the possibility of paying by cards in Sberbank, you will not only increase the loyalty of your customers (many people buy with credit cards, and since no commission is charged for cashless payments, credit card holders automatically become your potential customers), but also save time on accepting payments, and also automatically insure yourself against errors in accepting payments when using conventional cash register equipment for cash. Cashless card transactions are convenient in all directions: the bank commission is charged for the operation only once - at the time of payment, in the case of a return of goods - when you return funds to the client's card, you will not be charged anything else.
The acquiring operation should be profitable for both you and the bank, so if your card turnover is less than 50,000 rubles per month, the bank has every right to unilaterally disconnect you from the payment acceptance system.
The operation of connecting acquiring from the moment of filing an application takes a little time and at the same time brings significant benefits. Connect the acceptance of payment by cards from Sberbank and you, and simplify the financial processes of your company, as well as increase revenue!
