Payment terminal as a business that brings millions. How to put a payment terminal in a store? Network payment terminal business plan

Today, the market for electronic services is developing at a tremendous pace. We no longer stand idle for long lines in order to pay utility bills or replenish the balance of our mobile phone.

All this can be done easily and simply using payment terminals. Thanks to them, we stopped asking many questions, the solution of which required a waste of time from us. In this material we will tell you in detail about the history of the appearance of these miracle devices, about how a lot of money is made on them and, finally, about how to start a terminal business yourself. So, first things first.

Payment terminal as a business

At the dawn of the emergence of payment machines in Russia in 2006, profits from them averaged 300 billion rubles, but after another 3 years these figures exceeded 700 billion. In neighboring Kazakhstan, payment acceptance terminals began to develop around the same time.

In 2008, about 13,000 points for receiving payments were actively working there. By the way, today their number has exceeded 30,000. And now the most important thing.

According to experts, this type of payment has tremendous potential. There is an opinion that the market is only 50% saturated from its real capabilities. This opens up great opportunities for organizing your own business in this area.

However, there are many skeptics who claim the opposite. According to them, some parts of the market are already oversaturated with such machines. In addition, there is the concept of “addiction” of the population to various innovations. And if a few years ago, consumers shied away from strange cars, today everything is exactly the opposite. They have become very popular and, most importantly, very popular, which again confirms the relevance of organizing their network of similar machines.

What do you need to start a business?

What is needed to put a payment terminal? Businessmen and entrepreneurs can organize their own company in the instant payment market. To do this, you need to purchase all the necessary equipment, connect to payment systems and choose a suitable place for rent. You will have a percentage for each transaction your customers performed.

Commission fees pay for rent, equipment costs and bring tangible income to the owners. Of course, you are already puzzled by the question of how much profit one payment terminal brings. And you probably already thought that it was a penny. In fact, a substantial commission passed through the terminals before there was a serious conflict between the owners of the terminals and the well-known company Kcell. The essence of the showdown concerned the restrictions of the commission, which was charged when making payments.

According to the position of terminal workers, after this restriction was introduced, their income fell by a third. And this, by the way, is natural, since the company's turnover, which introduced such confusion into the market, is estimated from 30 to 50% of the total number of all electronic payments made. According to the well-known QIWI service, mobile phone operators make good money in this business, their share in the total turnover sometimes reaches 75%. And yet, with the right and rational approach, this type of business can be very, very profitable.

Experts in this field note that in the next 5 years, such payments will become the most popular, both in Russia and Kazakhstan, as well as in several other CIS countries. Why? Yes, everything is simple.

Such a business is beneficial to absolutely everyone. Just think: the payer gets the opportunity to make a payment instantly (moreover, without interruption from his own affairs, somewhere in the supermarket), the provider “makes money” in communication, and the terminal owner takes off his interest.

All is well and comfortable. Therefore, in the near future an increase in the number of points for instant payment is expected. Installing payment terminals is truly a comprehensively profitable and promising business! He has a great future.

How to put your terminal?

So, we have already decided that this business has all the prerequisites for development, that the niche is not yet filled, that it is still possible to enter the market and do your own business. Now let's look at how to put your payment terminal. In order to start accepting instant payments, you must:

1. Register as a legal entity.

2. Choose a place where the payment terminal will be installed. It is very important. It is imperative that there is a lot of people around. One of the best places is the entrance to the hypermarket.

Do not forget about the main thing - the more people pass by, the more money you can collect. However, the rental amount will also be far from small.

3. Invest in terminals.

4. Correctly choose payment systems for payment terminals with which you have to work, sign the corresponding agreement and open a specific account. They act as an intermediary between the owner of the payment terminal and organizations. The more partners payment systems can serve, the correspondingly you will be able to provide a wider range of various payments to customers.

Now let's see what are the names of payment acceptance points.

Self-service terminal. As the name implies, it is designed so that customers independently make all the necessary payments. The information provided on the monitor is structured. Also, for the convenience of users, all types of payments are divided into thematic groups. All this allows the client to quickly and without special "troubles" to carry out all operations.

POS terminal. Literally, the name can be translated as "point of sale." It is a compact autonomous type terminal, the device of which allows it to successfully operate both from the network and from the battery built into it. This type of equipment is usually installed at the box office in various stores. POS-terminal is an excellent additional income for the owners of outlets.

Payment point. Such a system is convenient for those who do not want to invest a lot of money in business. It is compact and its equipment is inexpensive. A point can only be organized using a laptop and, of course, software. As we have already noted, such a decision will cost the owner much cheaper than all of the above. At the same time, the payment point can be deployed (or, if necessary, minimized) as soon as possible.

And now a few words about attachments

The main advantage of the business discussed in our material is, of course, the insignificant labor costs necessary for its organization and subsequent work.

“Entrance” to this market can be considered, in general, not very costly. The most important item of your expenses will be spent on the purchase of payment terminals. Its price can range from two with a small thousand dollars to four.

The cost depends on both the model of the device and the availability of various additional features of this type of equipment. Here, in fact, this is what the main investments are limited to. In the absence of even these financial resources, you can not buy equipment, but rent a payment terminal.In this case, you will need to conclude an appropriate contract with its owner. In this practice, as in any other, there are pros and cons.

In general, the payback of this type of business is such that it is better and more correct to purchase good equipment once and after 5-6 months start calculating net profit than renting a payment terminal and additionally throw away money for its repair (and it is possible) and for paying commissions to its owner.

More is better

In order to start earning really big, you need to organize not just two or three terminals, but develop a whole network of instant payment systems. Only in this case, the payment terminal as a business will start to make good money.

And if it doesn’t work in one place, then profit from other places will be able to cover costs and expenses and quickly recoup your investments. Experts in this business say that for a successful start you need to have at least three terminals (however, their opponents often call the number 10). In Russia, we do not have information about the exact amount of finance for a full-fledged start of business.

As an example, we give the average amount: for these purposes, approximately 200,000 rubles are needed. This amount includes the cost of equipment and the initial financial resources necessary for the turnover. With such investments, there is a high probability that the payment terminal as a business will become very, very successful for you, regardless of whether you start it in Moscow or, for example, in Almaty. Have a good start!

Service

How does a payment terminal work? Who is serving him? In order to maintain equipment in working condition and ensure its normal operation, a small staff is needed. So, for example, a company with 8 terminals can “pull” only 1 person, and if you have 5 or more employees, then you will be able to successfully manage a company that serves several dozens of instant payment points.

The advantages of such a business are that in order to deal with it, you do not need to have huge storage facilities, rack your brains over logistics, and deal with the execution of various papers with clients (why maintain a staff of lawyers).

The payment terminal as a business is good because your task here is only toto properly place your equipment (it is important to keep a balance of the “publicity” of the place and the more or less acceptable rent) and monitor the collection process and the proper operation of the terminals.

By the way, before embarking on this interesting and highly profitable business, it is worthwhile to think through one point in detail. To successfully start any business, you just need to have a business plan, a payment terminal is no exception. What does it mean?

You must definitely think over an approximate work plan for each of your points. You must understand that if one of them is not able at the first time to draw the funds necessary for the return on the entire enterprise, then others will be able to do it.

It is also important in general to have a sound development strategy for your business. For example, this month you start work with three points. Two months later, connect three more devices to your network. By the end of the year, you should have a network with more than a dozen terminals.

How much should I invest right away?

You will immediately need to spend a decent amount on the purchase of equipment. Earlier, we already told you about its cost. To the above, it is worth adding that the most expensive may be devices intended for installation on the streets. This is not at all surprising. As you understand, they must withstand the constant effects of various precipitation and atmospheric phenomena.

Therefore, the equipment is manufactured with a high level of strength. Such devices, unlike "greenhouse" devices designed for indoor use, can cost up to $ 9,000.Therefore, weigh everything several times before deciding to purchase. Perhaps it will be beneficial for you to agree with the store’s administration about the location of your point, than to install it, albeit at a lower rent, on the street (but investing in more expensive devices).

We remind you that there are also free solutions. These include software for the maintenance of cash desks. In this scenario of building a business, you simply will not need to buy terminals.

Monthly expenses

- First of all, this is rent. Its cost depends on many factors: on the city, the size of the store and its attendance, your individual approach and ability to negotiate. You can install a payment terminal at a price that is favorable to you if you paint in paints all the advantages of this point directly for customers of this store. The management of any trading pavilion or hypermarket will be interested in providing their customers with maximum service.

- Systematic replenishment of a specific account - its size depends on the number of your points of instant payment at a particular dealer. In this case, as soon as you have made the necessary payment for the service, it is immediately debited from the special account of the owner of the payment acceptance point and sent to the provider of this service in your wallet. By the way, only due to this is the “momentary” payment.

- Payment for Internet traffic (GPRS). It is different depending on the city and country where you are going to expand your business. However, even at maximum load, it does not go beyond $ 30-50.

Also, a separate article must highlight a variety of deductions. These are taxes, and collection services, the work of technical personnel and the labor of employees.

How much profit does one payment terminal make?

So, gradually, we approached the answer to one of the most interesting questions. Depending on your service provider (provider, telecom operator), commissions can range from 0.2% to 7% of the payment amount. Not bad, huh? There is also a special additional commission. As a rule, the terminal owner can charge it from his clients. The amount is not fixed. It may be charged as a percentage of the payment made.

Self-sufficiency

Now let's talk about when you can go to get a net profit. Knowing how much the equipment costs, what is the rent for the place of its location, as well as other costs, you can roughly calculate when the payment machines will start working in plus. For example, 3 terminals can pay off in 4 months of work. But this is provided that sufficient humanity and patency of the place is provided. If this is not the case, then the payment terminal as a business will be less successful.

You can justify investments in 8 months. But then again, it all depends on which point it is. If we talk about specific profits from it, then according to information from Kazakh businessmen, it amounts to approximately 35 thousand tenge. Approximately the same figure is given in OSMP. In their opinion, the instant payment market is currently experiencing rapid growth. That is why the terminals for receiving payments pay off on average during the year.

A spoon of tar

However, despite the popularity of this service among the population, business payment terminals have recently slowed down slightly. Experts say that just a couple of years ago, profits were significantly higher than today. Today, the owners of instant payment points are content with that profit, which at the dawn of the emergence of this area of ​​activity would not suit them.

This business (payment terminals), due to fierce competition and not quite adequate policies of mobile operators, lost almost 50% in profit. However, this does not mean that you should not invest in such a thing. Of course, now it’s not the “dawn” of the terminals, and you won’t be the first, but you can still win a certain niche.The most important thing is not to sit back, but to constantly act, to find unexpected moves. In this case, such a business (payment terminals) will work for you!

Some useful tips

As in any business, it is important to work all the time in order to compete and at the same time constantly expand your network. But what exactly needs to be done in order for your terminal network to bring you profit? And the payment terminal as a business constantly went uphill? Pay particular attention to a few key points:

- An increase in the number of your points, the installation of payment terminals should occur continuously if the necessary funds are available.

- You should constantly increase the number of your partners in whose favor you will receive payments. This is an item that may depend not only on you, but also on the payment system you have chosen. It would be more correct to monitor the activity of this system and if it has not been expanding the number of its partners for a long time, just change it to a more successful one.

- Continuous tracking of how passable points are. One of the common failures in this market is connected with the fact that the entrepreneur chooses the wrong place to place equipment. If profit has fallen sharply over the long term, then in this case it is better to close the point or move to a more profitable place. Installing payment terminals in a crowded place will ensure the success of the entire business.

- Work on the quality of the service provided. It is possible that this item can not be attributed to the expansion of your network directly, but in reality it can be reflected very seriously.

Summary

Let's summarize. Before you start a business in the field of instant payment, really evaluate your financial capabilities. Then draw up a business plan. Keep in mind that force majeure is possible, so lay some amount on unforeseen events. Next, purchase equipment.

If your budget is small, then abandon street terminals in favor of those that are located only on the premises. Now recruit staff and determine the most crowded, but at the same time not very expensive places to place your points. How to install a payment terminal in a store, you already know. It is necessary to negotiate with the management of the supermarket and agree on the cost. When all the agreements are signed and your “network” is set up, start tracking profitability and making your profit!

Despite the fact that this niche cannot be called new, there are still loopholes for successful entry into the instant payment market, which means that you can earn your million on this simple and interesting business! The most important thing is not to under any circumstances lose heart or give up. Even if your business does not immediately give the desired result, do not despair and try to find new points for your equipment.

It is possible that the new stores will allow you to make good money. Also constantly expand your business contacts. Perhaps one of the new partners will be able to give you a valuable idea that you can implement, or he will advise terminals of good quality at affordable prices.