Trade acquiring from Promsvyazbank. Trade acquiring Promsvyazbank Terminal for payment with bank cards Promsvyazbank

Acquiring is an indispensable service for business development. With its help, individual entrepreneurs and organizations can expand their customer base and increase turnover, reducing the risks of fraud when paying for purchases in cash. PSB offers favorable terms of service for business clients.

Advantages of acquiring from Promsvyazbank

The bank offers installation of modern POS equipment, cash solutions and portable terminals for accepting plastic cards of popular payment systems - MasterCard, Visa, American Express, MIR, UnionPay, Alipay.

In addition, the provided devices support contactless payment technology - Apple Pay, Visa PayWave, Android Pay, Samsung Pay and MasterCard PayPass.

PSB guarantees its clients:

• provision of turnkey acquiring services within up to 10 working days;
• personal approach to each client;
• flexible terms of service;
• crediting of proceeds to the account on the same business day (with the exception of payment via American Express - money is credited to the account within 3-4 days);
• free provision of POS equipment, advertising and consumables;
• 24/7 technical support;
• convenient form of daily, weekly and monthly reporting;
• free staff training on how to use the terminals;
• no hidden fees;
• high level of payment security.

You don't have to buy or rent POS terminals. PSB provides equipment to its customers free of charge.

Acquiring is available to all persons who have an active current account with the bank. If you do not yet have a bank account, you can register it remotely and by contacting a bank office. Promsvyazbank provides many bonuses to new clients - free account opening, its maintenance for 3 months, Internet banking connection and document management.

Is your terminal out of order? Call technical support and order a specialist visit for free. You can contact the bank manager at any time of the day.

Tariffs for trade acquiring at Promsvyazbank

Organizations and individual entrepreneurs can count on connecting to the service within ten working days. As stated above, the terminals are provided free of charge.

If necessary, the company logo is installed on the device. Payments are made in one touch and are credited to your account on the same day.

The client can count on providing:

• stationary terminals;
• mobile POS devices;
• compact equipment.

The terminals can have three types of connection - GPRS, Wi-Fi and LAN.

Tariffs for acquiring at Promsvyazbank for legal entities and individual entrepreneurs do not depend on turnover and are determined individually for each client. The amount of commission charged for payment transactions is established taking into account the activities carried out by the organization or entrepreneur.

So, the bank sets the following commission amount:

• 1.6% – for gas stations and grocery stores;
• 1.5% – for cafeterias and fast food restaurants;
• 1.1% – when making government payments;
• 1.8% – for other market segments.

Thus, the basic tariff is 1.8% of the transaction amount. Reduced fees may apply depending on the type of POS equipment received, subject to specialist approval.

Tariffs for Internet acquiring at Promsvyazbank

The service is activated within 7–10 working days maximum after receiving the client’s application. If your website is developed on a popular CMS, you can use ready-made payment modules.

To view the available offers, go to the “Internet acquiring” section and select the “CMS modules” column.

The bank offers a flexible tariff system - the commission fee is set individually for each client. Revenue is credited to the account on the next business day.

Mobile acquiring from Promsvyazbank

To accept non-cash payments in places remote from communications, PSB provides special GPRS terminals with the integration of technology for accepting contactless payments.

This option is suitable for courier services, when making payments after delivery of goods, during exhibitions, etc.

Tariffs for services are set individually. Customers can count on special offers from PSB.

How to connect acquiring in Promsvyazbank for individual entrepreneurs and enterprises?

You can order the service at any bank office and remotely by filling out an online application on the PSB website.

In the latter case, it is enough to indicate the name of the contact person and telephone number for feedback. The specialist will call the client as soon as possible after sending the electronic form.

When contacting a bank office, you will need to fill out a printed version. It is recommended to have a certain package of documentation with you, which is also provided by the client after sending an online request.

The specialist will announce the terms of service and offer to conclude an appropriate agreement.

Internet acquiring is connected in the same way. can be obtained from a specialist or downloaded from the PSB website. The easiest way to receive the service is to fill out an online request. If necessary, you can also submit an application through online banking.

Documents for acquiring acquiring at Promsvyazbank

As a rule, to conclude an agreement, it is enough to have a passport with you. The manager will provide an application form according to the bank's form to connect the service.

Representatives of the organization undertake to additionally have in hand a document confirming their authority (power of attorney, order appointing a manager, etc.).

Reviews about acquiring in Promsvyazbank

Zamir, Ulyanovsk

Great bank! Ideal for business! What I liked most was the prompt opening of a current account, affordable prices for merchant and Internet acquiring, no need to buy or rent terminals, and crediting of proceeds on the same day. I connected all services remotely – through the Promsvyazbank website. Very comfortably!

Pavel, Chita

I have a small cafe. For me, the timing of crediting the proceeds received to the account, the availability of convenient Internet banking and the ability to accept various bank cards are important. Promsvyazbank meets all points in this regard. The money arrives in the account on the same day, and I can order daily or weekly reporting on transactions. And the most important plus is that the terminals were provided by the bank for free!

Vadim, Izhevsk

The terminals worked normally for five months, but a week ago one broke down... Of course, problems arose in the store, since one cash register was inoperative. I called technical support and explained the situation. They very quickly sent a specialist who fixed the terminal. Moreover, it is free, without any commissions or fees. This is the kind of service I like!

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Check out bank offers

RKO in Tochka Bank.

Open an account

More about the current account

• Opening an account is free in 10 minutes;
• Maintenance – from 0 rubles/month;
• Free payment cards – up to 20 pcs./month.
• Up to 7% on account balance;
• Overdraft possible;
• Internet banking – free;
• Mobile banking is free.

RKO in Raiffeisenbank.

Open an account

More about the current account

• Opening an account is free in 5 minutes;
• Maintenance – from 490 rubles/month;
• Minimum commissions.
• Registration of salary cards is free;
• Overdraft possible;
• Internet banking – free;
• Mobile banking is free.

RKO in Tinkoff Bank.

Open an account

More about the current account

• Free opening of account in 10 minutes;
• The first 2 months are free of charge;
• After 2 months from 490 RUR/month;
• Up to 8% on account balance;
• Free accounting for individual entrepreneurs on Simplified;
• Free Internet banking;
• Free mobile banking.

RKO in Sberbank.

Open an account

More about the current account

• Opening an account - 0 rub.;
• Maintenance – from 0 rubles/month;
• Free “Sberbank Business Online”;
• Lots of extra services.

RKO in VTB.

Open an account

More about the current account

• Opening an account – free of charge in 5 minutes;
• 3 months of service 0 rubles;
• Transfers and cash transactions - 0 rubles;

More about the current account

• 0 rub. opening an account;
• 0 rub. Internet banking and mobile banking for account management;
• 0 rub. issuing a business card for depositing and withdrawing cash at any ATM;
• 0 rub. first deposit of cash into the account;
• 0 rub. tax and budget payments, transfers to legal entities and individual entrepreneurs in Alfa-Bank;
• 0 rub. account maintenance if there is no turnover.

RKO in the Eastern Bank.

Open an account

More about the current account

• Opening an account is free;
• Reservation in 1 minute;
• Internet banking and mobile application are free;
• 3 months of service free of charge;
• after 3 months from 490 rub./month.

RKO in LOKO Bank.

Open an account

More about the current account

• Opening an account is free;
• Reservation in 1 minute;
• Maintenance – from 0 rubles/month;
• Cash withdrawal from 0.6%;
• Free terminal for acquiring;
• Internet banking and mobile application are free.

RKO in Expert Bank.

Evgeniy Malyar

# Acquiring for business

Advantages and disadvantages of acquiring in PSB

The Banker magazine includes Promsvyazbank among the 500 largest banks in the world in terms of equity capital; the bank's assets exceed 1.2 trillion rubles.

Article navigation

• Acquiring from Promsvyazbank - general conditions
• Promsvyazbank tariffs for acquiring services
• Terms of Internet acquiring at Promsvyazbank
• Promsvyazbank conditions for trade and mobile acquiring
• How does the connection happen?
• Features of mobile acquiring
• Bank technical support
• Conclusion

Promsvyazbank is one of the most significant banks in Russia. It provides its clients with a full range of services, including acquiring. Despite the fact that this financial institution specializes in working with large companies (in particular, it ensures transactions under government contracts and defense orders), it offers a number of banking products that are interesting for individual entrepreneurs and small enterprises.

How Promsvyazbank can be useful to small private businesses in introducing card payments will be discussed in our review.

Acquiring from Promsvyazbank - general conditions

Like other serious banks, PSB provides support for all three main types of acquiring: merchant, mobile and the ability to pay by card on the Internet. In the conditions of fierce competition characteristic of the Russian financial services market, it is impossible to do without special conditions that distinguish the bank from its competitors. There are advantages:

• Unlike other banks that offer to buy an acquiring device or rent it for money, PSB provides equipment free of charge after concluding an agreement.
• The commission rate is competitive - on average 1.8% of the amount of non-cash sales. There are some additional payments - more on them later.
• The client is provided with the necessary consumables for work free of charge.
• Any changes to the hardware or software are accompanied by additional training of personnel.
• Employees who complete the training receive a certificate of qualifications.
• Training of sales personnel is always carried out by Promsvyazbank instructors, for which there is also no charge.
• 24/7 technical support.
• Revenue is credited (reimbursement) on the current operating day for PSB clients, and on the next day if the account is opened in another bank.
• Opening a current account with Promsvyazbank is not an indispensable condition of the acquiring agreement. However, it does provide some advantages.
• The client receives a daily report on acquiring transactions by email.
• Flexible financial terms apply.

Of course, the epithet “free” is used conditionally. In fact, the client pays for all services with a commission and fixed payments, but they are not very expensive.

Promsvyazbank tariffs for acquiring services

The flexibility of financial policy, mentioned earlier in the list of advantages of PSB, is reflected in the development of individual conditions for each client. At the same time, the size of the commission practically does not depend on the organizational and legal form of the business. For both LLC and individual entrepreneur on a current account, it is 1.8% of non-cash revenue. Exceptions are the preferential conditions provided for payment:

• government services, fees, duties, taxes (1.1%);
• at gas stations (1.6%);
• in grocery stores (1.6%);
• in fast food establishments (1.5%).

In some cases, the commission percentage can be discussed individually.

In addition to the interest rate, the client (regardless of whether he is an individual entrepreneur or an LLC) pays a one-time or monthly fixed amount, determined during negotiations and specified in the acquiring agreement. It depends primarily on turnover, and the higher it is, the smaller this figure is.

The conditions proposed by Promsvyazbank provide for the possibility of urgently starting acquiring services. This urgency is paid additionally in the amount of three thousand rubles.

Terms of Internet acquiring at Promsvyazbank

This PSB service can be used by any online store or website. To connect, you must fill out an application indicating the URL, full name of the individual entrepreneur, TIN and contact information.

First, an offer application is filled out. The form is available on the official website in the section dedicated to Internet acquiring (here). There are two options: for clients who have entered into a comprehensive service agreement and without it.

The application contains the usual sections for such a document:

• client information;
• his bank details;
• personal data;
• amount of commission (to be filled in after agreement);
• validity.

When this application is signed by the client, it acquires the legal force of a contract.

On the same page you can familiarize yourself with the rules for providing the service in the latest edition and technical documentation (API).

The technical documentation contains definitions of the concepts used and detailed descriptions of all processes and actions accompanying the process of connecting the service and further operating the system. Application processing time ranges from a week to ten days.

According to the terms of the signed agreement, reimbursement of funds by Promsvyazbank for Internet acquiring is made on the next banking day.

Promsvyazbank conditions for trade and mobile acquiring

These types of services are most in demand by grocery stores, catering establishments, restaurants and retail organizations of all types.

PSB cooperates on a partnership basis with VTB, the All-Russian Regional Development Bank and Otkritie Bank.

The acquiring system offered by Promsvyazbank provides for the acceptance of the following means of payment:

• plastic cards MasterCard, VISA, Union Pay, American Express and MIR;
• contactless funds based on Android Pay, Apple Pay, Samsung Pay;
• software applications based on high-speed technologies MasterCard PayPass and VISA PayWave (without PIN codes within the established limit).

The choice of POS terminal type is made in accordance with the client's requirements. He can be:

• portable or stationary;
• mobile (GPRS), wired (LAN) and wireless (Wi-Fi).

How does the connection happen?

The most common standard connection option provides for the satisfaction of an acquiring application no later than within ten days. The speed of installation and commissioning work is affected by the complexity of the required configuration and other circumstances, mainly technical. During the specified time, equipment is supplied, installed and personnel trained.

Connection under the accelerated option (in three days) costs, as mentioned above, three thousand rubles. This amount is paid one-time, and in this case there cannot be more than three terminals, which is usually more than enough for individual entrepreneurs.

Features of mobile acquiring

For individual entrepreneurs, this method of paying with a payment card is very important: it allows you to accept funds in an environment in which until recently only cash could be used. Another important advantage is the minimum costs of the acquiring bank when connecting the service. Apart from the Smartfin reading device (card reader), no other technical means are required. It connects to any mobile device that supports Android 2.1 and higher operating systems or iOS 4.0 and above. Naturally, the smartphone or tablet must be connected to the Internet.

Promsvyazbank is included in the list of systemically important organizations and occupies a leading position in terms of assets, deposits, net profit, etc. The bank has been operating since 1995. This is one of the largest private banks in the country.

Acquiring services are provided to any type of business - from micro-companies and individual entrepreneurs to large corporate clients.

Tariffs for trade acquiring services Promsvyazbank

The bank offers a fixed commission only if POS terminals are purchased from it (the purchase is formalized as a one-time commission when concluding an agreement).

Then the commission:

• fast food establishments - 1,5%;
• gas stations and grocery stores - 1,6%;
• government agencies - 1,1%;
• to everyone else - 1,8%.

In the case of renting terminals, the commission is set individually. It will depend on the equipment configuration and turnover. Unprofitable devices require payment of a fixed fee monthly (threshold - 100 thousand rubles for the reporting month).

Terms of Service

1. devices are leased or purchased by the bank; the type of leased POS terminal and the set of additional equipment may affect the size of the commission;
2. in some cases, the use of client POS devices (purchased separately) is allowed, subject to compliance with the bank’s requirements;
3. Promsvyazbank undertakes to transfer the received payment from the customers’ card accounts to the organization’s current account no later than 2 days later;
4. the current account can be serviced in another bank. Remuneration is transferred to accounts opened with Promsvyazbank on the same day (but no later than the general standard);
5. the bank organizes training for staff to operate the equipment, provides all necessary training and consumables;
6. authorization of payment transactions is carried out around the clock;
7. technical support is available around the clock, including on-site visits by specialists;
8. transaction reports are provided daily free of charge;
9. By agreement, the bank's rules allow the application of the merchant's logo on terminals.

Technical issues

Cards accepted for payment:

1. VISA;
2. MasterCard;
3. UnionPay;
4. American Express.

The terminals work with contactless payments (meaning systems such as Samsung Pay, Apple Pay and Android Pay), including the use of fast payment technologies VISA PayWave and MasterCard PayPass (payment without entering a PIN code up to a certain amount).

The configuration of POS terminals is tailored to the client’s requests. It can be:

• portable or stationary models;
• connecting to the Internet via GPRS (mobile communication), LAN (wired connection) and Wi-Fi (wireless).

Connection procedure

The bank offers two options for providing connection services:

1. standard. Here, based on the request of a new client, an acquiring agreement is concluded. The bank supplies the necessary equipment in the required volume and configuration, installs it on site (if there are cashier workstations) and instructs the staff. The process takes on average about 10 days;
2. accelerated. Fully consistent with the previous one except for the term ( no more than 3 days) and restrictions on the number of terminals provided (no more than 3 to one merchant). The service requires an additional fee - 3000 rub..

I’ve already spoken, so I’m writing more calmly.

I have been a client of the bank since 2007, as a legal entity. I had several cards as an individual, but with the release of Tinkov cards, I closed everything from Promsvyazbank (expensive and useless for me).

It is now 2015 and companies are required to accept bank cards for payment. I read about the cards both on the packager and on the Yandex cash register, everything is great, but these are aggregators and they have their own percentage, so I decided to contact the bank directly and then the adventures began.

You go to the website, and there are no tariffs, they are individual - leave a request
http://joxi.ru/EA4vdkEsYapqmb

My actions:
1. I leave an application (although I’m outraged that I can’t find out the details right away), the application is not as usual, in a couple of clicks and seconds and it’s done, I filled it out for a minute, I even wanted to close the site, I thought it was stuck.

2. I contact the chat (communication was limited to leaving a request), the nonsense of the chat is that if the operator writes to me or I write to the operator, the correspondence window is not updated and I constantly have to scroll manually - terribly annoying (I recommended other services, not livtech ).

3. I call through the website (the girl answers, with whom after a minute it was clear that there was no point in talking).

As a result, what we have is that I cannot decide whether I should connect this service or not. Okay, I think, I'm waiting for the call. They call after 2.5 hours (Tinkov calls after 2 minutes, I at least remember what I still want from them, but here it’s already 2.5 hours, I’ve already taken up other things, it’s generally terrible).

I call the number 8 800, press all the menus, go through the quest... press this number if you are so-and-so, this number if you are so-and-so. As a result, we wait for 15 minutes, and all this time the aunt is shouting about what an important Client I am.

A girl picks up the phone, I say: I want to talk about acquiring, I left a request, they called me, etc. I'm basically retelling the whole story. She asks if I am an existing Client, I answer positively, in the end it turned out that I am not an existing Client, but a potential one, the girl answered flirtatiously. After some more time, he says - I found it, write down the phone number of the guys who are aware of this acquiring. I couldn’t stand it a little and even started swearing a little, I told the girl that this was not for her personally, but in general, trying for 6 hours (namely, trying in the word torture) to buy a service was too much. I call the phone number they gave me and ask - what are the rates? You need to talk, depending on the turn of phrase, Alexey answers.

To basic questions regarding whether there is pre-authorization (when the company blocks money as a deposit - common when booking hotels and car rentals), the answer is that only the engineer knows. He also knows how much it will cost to rent a POS terminal.

And then I understand that if I have so many unknowns when connecting, plus I’m being pushed from one phone to another, from one employee to another, and ultimately everything is put on the brakes and I still don’t get any results, I sit and write a review of the banks. RU.

All the guys were polite, but incompetent. Sorry, politeness alone is not enough, but it is a bonus.

As a result, I come to the following conclusion:

This service has not yet been fully developed and that is why there is so much negativity and uncertainty;
- the bank is not at all interested in this service;
- this service is made by the bank for daws;
- This is a disgusting system for managing the bank and the competencies of its employees.

In any case, I refuse such services.

P.S. Promsvyazbank is a super bank client for legal entities, probably the best. Thanks to this bank for the client, I never visit a bank where the service is even worse. You can come all day and look at the squirrels in the wheel, the poor dirty things (Kitay Gorod office), but I can write that. Actually, this is the first time I’m writing a review, it’s damn boiling.

Do not buy acquiring from Promsvyazbank if there are such problems at the connection stage. What will happen to the company’s reputation when either the money hangs up or something doesn’t work out, and you have to call the technical service for weeks?

Thank you in advance. I hope Promsvyazbank will find it useful to read this review.
I told the girl on the quality line everything in much more detail, with all the phone numbers and call times.

Internet acquiring- making payments using bank cards via the Internet. Payments can be made by cardholders of any banks.

Using acquiring in an online store allows you to:

• attract new clients - bank card holders who prefer to pay for goods and services via the Internet;
• increase sales volume by providing customers with the opportunity to immediately realize their desire to purchase a product by paying for it with a bank card (“Impulse purchase”)

To work, you need to conclude an agreement with the Bank and send an application to connect to Internet acquiring.

Description of the plugin

Step 1. When placing an order, the buyer selects the payment method "Promsvyazbank" (any name can be specified, for example, "payment by bank card online").

Step 2. After placing an order, the “Order successfully placed” page appears, from which you are automatically redirected to the payment system website (payment gateway) for payment.


Step 3. The client pays for the order on the payment gateway (the plugin does not take part in this step): enters the card details and confirms the payment.


Step 4. After successful payment, the client is asked to return to the store website.


Step 5. Admin panel. After payment is confirmed by the payment system, the order status changes to "Paid".

Plugin setup

It is required to indicate the delivery methods for which this payment method is applicable and the data provided by Promsvyazbank when connecting to Internet acquiring.

When testing, you need to enable the “Test mode” function (check mark) - test payments will not be credited to your account (since the payment gateway in test mode only simulates the payment process).

Step 1. Fill in the information and click "Save".

Step 2. Then you need to go back to the payment method settings page, copy the address from the last line and transfer it to the Bank’s specialists.

Technical support