Do you know what incomes were recorded in the electronic payment markets last year? Experts estimate that during the reporting period, some companies received more than 80 billion rubles of net profit!
But this is actually an “air business”, in which it is not required to invest multimillion-dollar investments in production. Today we will consider the simplest business plan for payment terminals, on which anyone can earn very good money.
True, hoping for huge profits is somewhat naive, since the owner of the terminal itself receives approximately 5% of each payment. Of course, if you can establish your own payment system, then this scenario is possible, but it is still unlikely.
General information
As a rule, at least 900 thousand rubles are required for the normal development of a business. This amount will be used to purchase the terminal itself (preferably two or three), for depositing, as well as for expenses associated with the advertising company and infrastructure development.
If there is more money, you can try to invest some of the funds in the development of the selected payment system. In this case, you can count on high interest on payments.
In principle, any business plan of payment terminals should take into account the costs of additional needs, so in case of favorable offers from the operator, you can use these reserves.
Brief information about the functioning of the system
By the way, how do payment terminals work? Everything is simple. Just note that such equipment should always have a stable communication channel with the Internet, as otherwise its normal functioning becomes impossible.
First, the user selects the menu item that is going to pay. The terminal communicates with the servers of the owner company, checks the amount on your deposit. The client inserts a bill, the machine’s automation processes it, reading the cost, and then compares it with the amount that is on the deposit.
If everything is normal, a transaction is made to the account indicated by the client (mobile phone number, housing and communal services account, etc.).
How is the process of registering a terminal and concluding a contract?
First, you need to purchase the payment terminal itself, and then contact the official representative office of the payment system you need. Having concluded an agreement, you should rent some area in a shopping center or store or enter into a partnership agreement with them. Specialists set the percentage of the commission, as well as the minimum amount of payment.
Having received confirmation, the payment system operator must open a deposit to your company. After that, you deposit the amount previously agreed upon in the contract to this deposit, after which you can legally operate payment terminals.
Use of deposit
You can only accept payments from subscribers to the extent that you have made a deposit. Therefore, the larger the size of the deposit, the more pleasant the amount of profit received from each terminal. Thus, it is necessary to constantly check the condition of the deposit, if necessary, depositing the required amounts on it. By the way, replenishment of the deposit is possible from those funds that you earned as a percentage of payments.
Most payment systems not only pay interest, but also offer participation in other bonus programs that bring terminal owners additional profit.Of course, you will pay taxes on all received amounts. Note that the state needs to pay not from the money that is on your deposit, but from the amount of net profits.
Choose a terminal
The minimum cost of equipment is from 2.5 thousand dollars. Do you know how much a payment terminal of “advanced” lineups costs? At least nine thousand dollars! Do not try to buy the cheapest equipment, since the equipment of such models is pretty poor.
In particular, you will probably spend a lot of money on installing a normal printer, as well as on a higher-quality and more capacious bill acceptor. In a word, we recommend that before buying, decide which configuration will be the most optimal in your case. When compiling a business plan for payment terminals, you will inevitably notice that the device is the most expensive part of the project.
Which models are better?
Practice has shown that the receiver for banknotes must contain at least 1.5 thousand notes. Always pay particular attention to receipt printer models. Be sure to buy only those payment terminals in which products are installed from trusted and reliable manufacturers. The larger the size of the rolls of check paper it supports, the better.
Remember that all parts of the terminal should be easily accessible, not interfere with operations to replace them. Important! The case must be made of durable alloys, protecting the inside of the receiver from intruders and simple vandals. However, when a specialist installs payment acceptance terminals, most often they are simply chained to the floor.
Immediately pay attention to the warranty period. If it is suspiciously small, then it is better not to mess with such a manufacturer.
Major suppliers
The most famous and well-established manufacturers are Cyberplat, E-port, and OSMP. It should be noted that a high-quality terminal is only half the success. The second component is the “right” software.
Software
By the way, the same OSMP company provides complex solutions - a terminal and specialized software. Separately, applications are supplied by Delta Key, Grotesque, as well as SFOUR and ROC (it has nothing to do with the church).
Please note that you are not locked in the narrow framework of existing solutions. So, if you need to implement some specific options, you can directly contact the developers of payment systems. As a rule, they are willing to cooperate, introducing the functions you need into the programs. It is also possible to translate the interface into other languages.
Important! It’s best to choose solutions that have a trial period. Only in this case your business plan of payment terminals will take into account all the risks. In addition, this way you can better identify existing problems and software flaws.
Estimated Costs and Profits
You will have to spend from 2.5 to 9 thousand dollars at a time, and for this money you buy not only the terminal itself, but also the software shell attached to it.
Approximately the amounts listed below will go away each month.
- Depending on the attendance, the average rental price can be 4-8 thousand rubles.
- Paying for communication services will require about 900 rubles per month.
- Some payment systems require deductions from banks for each payment.
- The costs of checking and maintaining the terminal.
- Do not forget about 6% - income tax.
The income of the owner of the payment terminal consists of the following components:
- those percentages from each payment that are paid to you by the owner of the payment system;
- a fixed fee (5-10 rubles) for each payment.
Theoretically, in one day the average terminal accepts approximately 150 payments, and the average amount of each of them is about 100 rubles, then it is not difficult to calculate the profitability of a business. Profitability in a good place exceeds 80%.In short, a business at payment terminals with a good organization can provide you with a comfortable life.
