A payment acceptance business can be a very lucrative investment for start-ups. To organize this activity does not require large investments, and the organization is quite simple. "Central Bank" freely allows individual entrepreneurs to make payments using payment terminals.
The legislation does not establish virtually any restrictions on the organization of such a case. You can open accepting payments as an addition to your core business. That is, the reception point can work at any trading enterprise, even a small one.
In addition, it is this option that is the most cost-effective and brings considerable income, since many consumers will be happy to pay utility bills and other payments in the store closest to the house, and not in specialized places.
Documentation Required
Before you open a payment acceptance center, you must complete all the documents. An individual entrepreneur must provide a copy of the certificate of state registration, a copy of the passport, TIN.
Legal entities must have a document from the USRN, details certified by the company, and a copy of the order on the appointment of the head. If you are thinking about how to organize the acceptance of payments, and intend to place the item in a separate building or building, then you will need permission from the SS and the fire department.
Arrangement with the payment system
An important point in the opening of the point will also be the conclusion of an agreement with one of the payment systems registered in the Russian Federation. The largest systems are the following: CyberPlat, E-pay, E-port, Contact, Suntel, Empay. They have been working in this market for a long time, and they can be safely trusted.
You can view the working conditions, tariff policy, and all the necessary information on how to open a payment acceptance center using a specific system on the sites of these systems. Basically, the earnings of an entrepreneur who has concluded an agreement with the selected payment system is from 3 to 10% from one money transfer. The agreement concluded with the payment system involves providing the person interested in cooperation with all the necessary hardware and software and all information about this service.
Business diagram of the activity of a payment acceptance center
Before opening a payment acceptance center, you should choose according to which scheme to organize its activities. There are two possible options - to organize your own point or become a sub-dealer of payment systems operating in the country.
The most profitable and affordable option is considered the second way of organizing. In this case, you need to purchase payment acceptance devices and earn your interest by reselling the services of a payment system with which you have an agreement.
Payment terminals
POS – terminal is the most acceptable solution for those who think how to open a payment acceptance center. The cost of such an apparatus is approximately 500-600 dollars. The terminal does not take up much space, and in order to make payments at an existing outlet, you will not have to hire an additional employee. The same seller will be able to cope with this simple task.
Today, the market offers devices for receiving payments of various models.Understanding the question of where to buy a payment acceptance terminal and which one, we can mention the certified NURIT brand terminals offered by Empay.
This small machine, thanks to its wireless connection to the server, promises fast and error-free payment acceptance. The cost of this unit is about 18 thousand rubles. This amount has already taken into account its installation in the right place, verification and adjustment. The device must be registered with the tax service, since any operation conducted through the terminal is subject to taxation according to a simplified scheme.
In addition to this item of the organization of their activities, it is worth solving the issue of acquiring a light sign that will indicate to passers-by that you can pay for various services in your establishment.
How to open a payment acceptance point using a regular mobile phone
A payment acceptance center can be opened with a regular mobile phone with the ability to access the Internet. Software is installed on the phone with which you can conduct financial calculations.
With this option for organizing a business, an entrepreneur, upon conclusion of an agreement, receives an individual password from the payment system, according to which the program will identify a specific organization. Payments by phone are also subject to a simplified tax collection.
The advantage of such mobile reception points is that they can be organized anywhere: in a holiday village, on the beach, and so on. Having decided where to buy a terminal for receiving payments, you can open such a point of reception in the business center. But if you take into account the required expenses for renting a seat and the operator’s salary, it’s better to dwell on the option of installing a POS terminal and use the existing area, and consider such a business as an additional source of profit.
Target audience and advertising
Your main customers will be active users of cellular communications, and this is almost all residents of Russia. Also, people will be able to pay for Internet services, commercial television, and so on. From each payment made, you will earn from 1 to 8%. To attract customers enough outdoor advertising, that is, light box or sign.
Required investment and project payback
Before you open a payment acceptance center, you need to calculate the profitability of this project. To purchase special equipment, you must have an amount of 18-20 thousand rubles. If you decide to organize a separate payment point, then the initial investment will increase to 40-60 thousand rubles. Monthly expenses are relatively small: if you plan to hire a seller - 10-15 thousand rubles for his salary: deductions to the tax service - 5-6 thousand rubles. About 5-10 thousand rubles a year will have to be spent on terminal maintenance and other unforeseen circumstances.
On average, accepting payments as a business brings its owner 2-8% of all transactions. Moreover, the commission is charged automatically in real time. Basically, according to a market participant, the turnover of such an item is 7-15 thousand rubles per day.
In rare cases, less than five thousand rubles pass through the terminal. If we talk about the upper bar, then the owners of payment points indicate the amount of one hundred thousand rubles per day. It should also be borne in mind that tax deductions are made only from the owner’s commission, and not from turnover, that is, a simplified taxation system is used.
The profitability of the point of reception
Consequently, the profitability of this project may vary, but, according to the least estimates, the business will bring about 15 thousand rubles a month. In case of business success, revenues can increase up to 25 thousand. So, the investment will pay off in three to six months.If you plan to open a network of machines for receiving payments, then the amount of initial investments will increase accordingly and the payback period of the project will increase - up to about two years.
