For those who prefer to receive passive income, a suitable type of activity is installing equipment for money transfers. Payment terminal as a business: profitability, owner reviews, pros and cons of the project.

Competition in the field of financial self-service for the population is high, especially in megacities. Payment terminals are found at every step; accounts are replenished through them for mobile communications, for the Internet, television and much more. It’s convenient, you don’t have to stand in lines, and the commission is usually small.

Principle of operation

Payment terminal is programmed equipment for making various money transfers in self-service mode. The device is installed outdoors or indoors.

The terminal has a display with a menu through which the payer selects the desired service, enters payment details and amount. The program processes the request, verifies the data and offers to make a payment, for which you need to insert banknotes one at a time into a special hole.

If the built-in equipment detects banknotes as non-compliant, it returns them. After the entire amount has been deposited, the screen displays: “Pay.” After pressing the button, the transfer is made and the terminal issues a check to the user.

Transaction data is transmitted via the Internet to the payment system server and then to the recipient’s device. If the details were entered incorrectly or there was a processing failure, the payment will not be received as intended. In this case, the user must contact technical support that services the terminals.

For payment acceptance services, a commission is charged in a fixed amount or as a percentage of the transfer amount. The user sees on the monitor both amounts - which will be credited to his account and which will be collected by the terminal service.

Technical device

The design of a modern payment kiosk consists of:

• housings;
• computer from software;
• touch screen equipped with shock protection;
• devices for accepting banknotes;
• fiscal registrar;
• GPRS modem;
• antennas;
• timer to control the operation of the system.

The complex additionally includes a receiver bank cards, barcode reader, memory card processing device.

Business plan

To start a business with payment terminals, first of all you need to draw up a business plan:

1. Definition of the concept.
2. Registration of an enterprise.
3. Selecting a location for installing the terminal.
4. Purchase of equipment.
5. Concluding an agreement with the payment system.
6. Organization of technical and customer support.
7. Economic calculations.

Concept

Before starting a business on payment terminals, you need to formulate a strategy for running your business. Answers to the following questions will help you decide:

• install one or more devices;
• buy or rent;
• what services to focus on;
• work alone or with partners;
• start your own business or buy a franchise.

Much depends on availability starting capital, it is also necessary to keep in mind the pitfalls of this entrepreneurial activity:

1. Terminals are often damaged by hooligans and hackers.
2. Device models quickly become obsolete.
3. Good locations are occupied by competitors.
4. Payment systems operate on prepayment basis.
5. Terminals often require maintenance.

When the basic concept of the project has been developed, documentation begins.

Registration

To operate legally, you need to obtain the status individual entrepreneur or legal entity. When opening small business It is enough to register an individual entrepreneur. If you are planning a large terminal network in cooperation with partners, then it is better to create an LLC.

Special permits, licenses and approvals from supervisory authorities for organizing the operation of payment terminals are not provided for in the legislation. This business compares favorably with others.

Location

A key point for the success of an enterprise is the choice of location for installing payment terminals. The list of the most profitable points, judging by the reviews of experienced owners:

• supermarkets;
• shopping and entertainment centers;
• universities;
• airports, train stations, stations;
• hospitals;
• city ​​transport stops;
• public catering places;
• large enterprises;
• crowded streets.

The main criterion is high traffic, although you can find terminals anywhere, even in small “home” shops, which means this is beneficial to the owners.

To install equipment you need to rent 1 sq. m of area with access to the power grid. Even if the choice turned out to be unsuccessful, or market conditions have changed, or revenues have fallen, there is always the opportunity to move the terminal to a more suitable location.

The tenant is paid in a fixed amount or as a percentage of sales. The second option is more profitable for small amounts of revenue.

Purchase of equipment

There are several options for purchasing payment terminals for business:

1. Buy.
2. Rent.
3. New equipment.
4. Used devices.

Available on the market a large number of models for installation outdoors and indoors. Manufacturers are constantly developing and releasing improved equipment with new functions. When making a choice between price and quality, you need to remember that customers trust new modern devices more.

While it may be possible to rent or buy a used terminal, as long as it has been well maintained, has not been abused, and has the services that are in demand.

In any case, before making a transaction, you should study technical documentation, reviews and check all equipment systems. It is better to give preference to models with anti-vandal protection and a warranty period of one year.

Suppliers offer free installation and adjustment of equipment, subject to the purchase of several pieces at the same time.

The terminals are supplied with or without configured software. In the second case, you need to purchase software, preferably licensed, which guarantees stable operation.

Agreement with the payment system

In Russia there are about twenty systems for transferring payments in the terminal business. Among the leaders:

• Kiwi (QIWI). Operating since 2004, it allows you to pay for the services of more than 50,000 companies.
• Pinpay Express. Provides free connection and commission payments.
• 15 years in the payment systems market, financially supports agents.
• First Russian company, carries out budget payments.
• Operates in 60 regions, serves about 1000 providers.
• City payment system.

To be on the safe side, it is better for the terminal owner to enter into an agreement with several systems simultaneously. Cooperation options:

1. Direct contact with the company.
2. Agreement with a payment system dealer.
3. Work with an intermediary of several payment systems.
4. Make payments through online banking.

It is unlikely that a novice entrepreneur will be able to conclude an agreement directly with the parent company, although this is the most profitable option. Therefore, when working with intermediaries, you need to choose agents who have been on the market for a long time with a good reputation and reasonable commissions.

Maintenance

When the preparatory stages are completed, the payment kiosk is installed and put into operation, the entrepreneur remains to solve 2 problems:

• equipment maintenance;
• resolution of client issues.

If the number of terminals does not exceed 5 or they are located close to each other, then technical support actually do it yourself:

1. Inspect devices daily for dirt and damage.
2. Regularly empty bins and remove trash near the terminal.
3. Change receipt tape and do collection.

If the business has a dozen or more payment kiosks, especially spread out in different areas of the city, then you will have to hire an assistant and pay him wages.

In case of serious breakdowns and software failures, you need to contact the technical support of the equipment supplier. It is better not to try to repair the terminal without special education.

Customer support

When transferring money, it is inevitable conflict situations, therefore the equipment must contain information for feedback, usually a phone number. Who will deal with controversial issues, the owner or another person, must be decided in advance.

The most unpleasant case is when the client made a payment, but the amount did not arrive in his account, or was less than what was indicated on the check. This happens for various reasons:

• System failure. It is necessary to find out at what level the problem occurred - the equipment supplier, payment network or service provider. Then try to resolve the issue peacefully, and if that fails, then involve lawyers in the matter.
• Fraudulent user actions. If it turns out that the client wanted to gain profit illegally, then it is necessary to file a police report.

According to statistics, such situations occur infrequently, but it is necessary to have a ready-made algorithm to resolve them.

Economic calculations

To determine the size of the investment, as well as whether it is worth investing in the terminal sector, you need to make a calculation of expenses and income.

Necessary costs for starting a business from 5 used payment kiosks, which will be serviced by the entrepreneur himself:

According to experts, installing less than 5 pieces is unprofitable, and the owner can handle the maintenance of such a quantity of equipment on his own. If you purchase more devices, then another specialist is required to maintain performance, which means increased costs for wages and taxes.

Monthly business costs:

A network of 5 devices will bring the owner:

Profit per month will be 42,500 rubles, investments will pay off in 9 months, profitability - 45%. If in the future the entrepreneur expands his business and opens a network of payment kiosks, his income will increase.

Video: payment terminals as a business idea.

Every day people pay dozens various services– telephone, internet, television, etc. In Moscow, the payment terminal market is already saturated, in large shopping centers costs 10-20 different devices. The regions have not yet developed a network of terminals, so it is easy to organize own business for accepting payments.

Installing the terminal does not require the owner to obtain additional licenses or permits (except for registration as a legal entity or individual entrepreneur). To place one terminal you need an area of ​​1 sq.m and a 220V socket. Information is transferred from the device to the server via a built-in wireless modem.

Starting your own payment acceptance business is quite simple - just:

• purchase equipment;
• choose and rent a place;

Advice: use places with large crowds of people to install the terminal - train stations, airports, shopping centers, indoor markets, etc.

• install terminal;
• get a profit.

How does the payment terminal work?

Every day, when using payment terminals, most people do not think about how payment is made and where the money is sent after placing it in the bill acceptor.

The operating principle is simple:

• the payer, using a graphical interface, selects the service required for payment;
• money is placed in the bill acceptor and verified for authenticity using specially installed automatic sensors;
• after the money arrives at the terminal, information about making a payment using the built-in modem is transmitted to the processing center of the payment system;
• after processing by the processing center, the payment information is sent to the bank where the owner of the terminal has an account;
• debit is made from the bank account Money in the same amount as the payment amount;
• funds from the account go to the final recipient, that is, the organization whose services were paid for by the user;
• information about the successful completion of the operation is sent to the recipient.

All these actions happen every time we top up our account through the terminal. All payments are made automatically. Carrying out all the described stages takes a matter of seconds.

How much does a payment terminal cost?

The terminal business attracts many investors due to its low initial costs. Let's calculate how much it will cost to install one payment terminal.

The cost depends on the manufacturer, the “filling” of the model, functionality, degree of protection against vandals and much more:

• The average cost of a terminal is 50,000 rubles.
• Rent of space in a shopping center, airport, train station - from 3,000 rubles per month.
• The initial contribution to a bank account is 50-100 thousand rubles.
• Thus, the initial costs of organizing a terminal business are 150-200 thousand rubles.

How much does a cellular payment terminal cost?

Almost all terminals sold by manufacturers today support payment for cellular communications. When purchasing a large batch of payment terminals, their cost is reduced to 20,000 rubles per device.

Payment terminals - what are the benefits for the owner?

The profit of terminal owners depends on several factors:

• convenient location;
• wide range of services provided;
• thoughtful advertising campaign;
• fast communication between the device and the processing center.

The owner makes a profit due to two components:

• commission charged from the payer;
• reward from the payment system.

The commission charged to the payer is determined by the owner of the terminal. As part of an advertising campaign, you can completely remove the commission in order to attract the attention of payers. In the future, it can be increased to 3-5% of the payment amount.

The amount of remuneration from the payment system depends on the terminal turnover. As a rule, it varies between 0-3% of turnover and depends on the average check for one terminal. The higher it is, the higher the profitability of the entire business and the reward of the payment system.

Payment terminal as a business - reviews from owners

Andrey, Novosibirsk:
Terminal manufacturers are being a little disingenuous when they say in reviews that the terminal business in the regions is not saturated, that all you have to do is buy a device, install it and get paid. In fact, to get a decent income you will have to run around looking for a suitable place. All good places, as a rule, are already occupied, so I advise you to pay attention to only shopping centers under construction, where large owners of terminal networks have not yet settled.

Alexander, Ekaterinburg:
I started my business 5 years ago with one purchased terminal. I was lucky with a place; it became available in one of the large shopping centers. Profits grew gradually. Later I purchased several more payment terminals from large suppliers, where the choice of services was much larger than my first one. The terminal business is my passive daily income.

Elena, Ryazan:
To quickly recoup business expenses, you need to purchase several terminals at once - from 10 or more. I did it myself, it was difficult, but I worked together with a friend, because it’s impossible to keep track of all the devices on my own. The business of accepting payments does not take much time, and I receive funds for new terminals from the rewards of payment systems.

We were unwittingly taught to use payment terminals. For example, in order to pay for cellular communication, we resort to their service. You can, of course, use the cash desk of a bank branch, but this causes certain inconveniences caused by the need to provide the recipient’s full details. You can find a branch of the operator providing the service and buy a card for replenishment, but it will be easier and faster to use a terminal to pay, which today can be found at every step. Let's figure out how this system works and where to start making money from it.

Payment terminals as a business can be implemented anywhere. The main thing is that there is a steady flow of people floating past it.

Most often we meet them in hypermarkets and near educational institutions, markets, bus stops public transport, entertainment venues. A street payment machine is less important, since not every person is ready to take out a wallet on the street, so there is a chance that it will sit in vain.

The payment terminal makes money by accepting payments with a commission for transferring funds. In addition to the commission from customers who used the machine, you can count on an additional reward from the payee. The companies to whom the payment is sent usually return about 1% of the amount paid. About 98% of transactions through payment terminals are used to top up mobile operator accounts. Payments for fines, rent and electronic communications are popular. The continuity of the circulation cycle of the money supply is very important. It is necessary to regularly monitor working capital in an electronic machine, collect it in a timely manner. Otherwise, there will be no trust in your device, and it will not bring you profit. The profitability of such a business depends on its location. The proposed types of payment purposes are also important. Where to start a business? With cost calculations, including all the important points for its organization.

Business service

The business plan for organizing a payment terminal should include renting a place, purchasing the machine itself, crediting a certain circulating amount to its account, organizing collection, registration necessary documents, expenses for advertising campaign. You can purchase the device for 50,000-100,000 rubles. Then you need to take care of the amount that will have to be frozen in the account for a long time, since it will be in constant circulation to ensure uninterrupted operation. It should be taken into account that the greater the traffic, the more funds need to be frozen. Collection will be needed a couple of times a week. At small retail outlets, they usually charge from 2,000 to 3,000 rubles for renting space. In large shopping centers they will charge from 10,000 to 20,000 rubles.

The costs of servicing the terminal itself will not be much: cash on a SIM card for connecting to electronic networks and a cash register tape. An additional thousand rubles per month will be spent on collection of one device. At the same time, you can earn on average 5000-7000 rubles per month. And if your machine is installed in a place with a large crowd of people, you can count on 10,000-15,000 rubles. But one should also take into account widespread competition, which disperses the flows potential clients and brings small income to the owners. That is why the payback on your payment terminal can range from six months to a year. Very big role Customer reviews play a role in the promotion of such a service point.

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Organization of payment business

According to rough estimates, the minimum required amount to enter the terminal business is from 15,000 to 30,000 US dollars. Let's look at a plan for a simplified procedure for organizing a terminal business, starting with the selection and purchase of a payment terminal and ending with financial settlements with operators, payment systems and banks.

1. The owner of the terminal (entrepreneur) buys the terminal - there is a need to conclude an agreement with the organizers of payment systems.
2. An entrepreneur places a payment machine on his own or rented space, determines the commission percentage for each payment, for example, 1-3%, or a fixed fee of 7-10 rubles.
3. The organizer of the payment system opens a separate deposit for the entrepreneur.
4. The owner makes an advance payment to this account and receives permission (access) to information system to control current operations and the status of the deposit at the terminal.
5. Now the owner can accept payments from clients within the amount of open account. Information about the completed payment is sent to the server of the system organizer. The amount of the accepted payment is withdrawn from the entrepreneur’s deposit and transferred to the specified details of the service provider.
6. The owner needs to check the actual amount on deposit and, if necessary, top up his personal account. When crediting and recalculating funds to the account, the bank withholds about 0.1% of the credited amount.
7. Based on the results of the month, the entrepreneur receives a remuneration from service providers in addition to a commission from each payment.
8. From the income received, the owner pays taxes to the state. Tax is imposed on the profit received from transactions using a payment terminal.

Where you should start is by becoming familiar with the technical side of the issue of organizing a terminal business.

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Expenses necessary to organize a business

Spending plan:

• one-time: the cost of a payment terminal with software and connection to the payment system will be from 80,000 to 300,000 rubles;

Monthly:

• payment for rent of space up to 1 sq. m - 4000-8000 rubles (depending on location);
• payment for GPRS communication - 600-900 rubles;
• payment to the bank for crediting the account and recalculating funds - 0.1% of the payment amount;
• collection costs;
• terminal maintenance costs - 3900 rubles: paper replacement - 1000 rubles, box repair - 2000 rubles, communication fee - 900 rubles;
• income tax.

The income plan consists of:

• fee charged to clients by the owner for using the terminal - about 4% of each payment or a fixed amount of 10 rubles;
• the remuneration paid by the service provider monthly is 1-3%.

After this, it is easy to calculate profitability. Let's assume that for a trading day payment terminal On average, it accepts 150 payments, with an average payment amount of 150 rubles. Let's calculate the approximate payback period if we start operating the terminal in a fairly busy place. Calculation plan: the average payment amount is 150 rubles, the average number of payments per day is 150 rubles, the average service provider commission is 2%, the average fee for using the terminal is 3%, our monthly profit will be:

150 rubles * (2+3%) *150 *30 days = 33,750 rubles.

At the same time, expenses per month: rent - 6,000 rubles, collection - 2,000 rubles, Maintenance- 3900 rubles and deductions to the bank for servicing funds on the account - 0.1% of the turnover (in our case, the turnover is 150 * 150 * 30 days = 675,000 rubles). Thus we get:

6000 + 2000 + 3900 + 675 = 12,575 rubles.

The costs will also include payment of income tax, that is, 33,750 * 6% = 2,025 rubles. The income will be 31,725 ​​rubles. Then the net profit will be 19,150 rubles per month. Thus, with average indicators and the average cost of the terminal, it will pay for itself in more than 5 months.

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Fiscal terminal registrars

It will be impossible to start a business without an accounting system - a fiscal registrar for terminals. Came into force on April 1, 2010 the federal law No. 103 dated June 03, 2009. According to this Federal Law, today any terminal activity can be carried out only using an established fiscal registrar. All entrepreneurs must annually purchase an EKLZ (electronic control tape).

This block was created to store information for supervising tax authorities. It stores information about completed operations in encrypted form. And the cost of such a block varies from 7,000 to 8,000 rubles. The entrepreneur must now include in the work plan the maintenance of such fiscal registrars. This can be done at service centers (CSC), and therefore incur additional costs. Fines for activities without fiscal registrars range from 3,000 to 4,000 rubles for individual entrepreneurs and 30,000-40,000 rubles for legal entities. The check must indicate your actual address or the address of your office.

Payment terminals have become a part of the lives of modern people. They can be found in educational institutions, shopping centers, on the street, that is, in all public places. Many businessmen earn good money from such devices. In this article, we will look at reviews from owners about payment terminals as a business and figure out how profitable this line of business is for beginning entrepreneurs.

What are payment devices used for?

These machines are designed to accept various payments.

With their help you can pay:

• Cellular communications;
• Cable TV;
• Public utilities:
• Internet and more.

Such a device operates independently, without operator participation. The payment apparatus consists of the following elements:

• Modem that accepts payments;
• Bill acceptor;
• Screen;
• Printer for printing receipts.

Using this device, the subscriber can quickly pay bills anywhere in the city.

Buy or rent?

If you are interested in a payment terminal as a business, in order for it to generate decent income, you need to create an entire system of instant payments. Experts believe that for successful start You should purchase at least 10 devices. Entrepreneurs who do not have large start-up capital on hand to purchase equipment can rent the equipment. Over time, when the business begins to generate good profits, you can purchase the equipment as your own.

Registration

Before installing a payment terminal, you must officially register your activity. First of all, you need to open an LLC in order to be able to enter into agreements with operators of vending payment systems. In addition, you must register with the tax office to avoid any problems from regulatory authorities in the future.

Business Features

Let's figure out how the business with payment terminals works. Its success is ensured by various factors. First of all, it is competition. In addition, the location of the equipment plays an important role in this matter. Another factor worth noting is wear and tear. If you install the device in a public place, for example, in a shopping center, it will be used more often. Accordingly, the device will fail faster.

The next factor is the average bill. For example, you have chosen a place with high traffic, but here the device is used mainly to make payments for the apartment. Since the interest on rent is too low, you will make little profit. On the other hand, on minimum payments in some educational institution you can get 30–40% income.

If you cannot decide where to install the payment terminal, ready business will become the most the best option to start. In this case, you will receive a payment terminal installed in a good location and completely ready for use.

We offer step-by-step instructions for those who are interested in how to start a business using payment terminals:

• Find an equipment supplier and order devices from them. Experienced entrepreneurs who have been working in this field for a long time recommend buying second-hand equipment at the start. Thanks to this, you can save a lot and open more outlets. Before purchasing equipment, read consumer reviews of specific models. Thanks to this, you can avoid problems in the future;
• Choosing a location. So that your business brings good income, you need to choose the right place to install the equipment. In this matter, you should be guided by cross-country ability. The more people pass by, the better;
• Installation and configuration. After you choose a location and sign a lease agreement, you can begin installing the equipment. You can do this work yourself, following the instructions, or seek help from professionals.

Payment terminal operation diagram

Financial part

When drawing up a business plan for payment terminals, you must first calculate all costs. First of all, this is rent. The amount of monthly payments largely depends on the ability to negotiate with the owners of the premises, as well as on an individual approach. If you can convince the management of a shopping center or hypermarket that installing a payment device will help them attract more customers, they will offer you a minimum rent. In addition, you need to find out how much the payment terminal costs and what payment system you will connect it to.

Initial costs:

• Purchase and connection of equipment – ​​2.4-9 thousand dollars;
• Monthly expenses:
• Rent of space for the device – 4–8 thousand rubles;
• Internet fee – 600–900 rubles;
• Deductions to the bank – 0.1–0.15% of turnover;
• Maintenance – 4 thousand rubles;
• Collection – 2 thousand rubles;
• Income tax.

Now let’s try to determine how much profit the payment terminal brings:

• Remuneration from the service provider – 1–3%;
• The fee for using the device, which is charged to customers, is 3–5%.

One machine accepts approximately 150 payments per day. The average bill is 150 rubles. In this case monthly income is approximately 30 thousand rubles per month. If you subtract maintenance costs, you will get a net profit of approximately 18 thousand rubles. With average returns, your initial investment will pay off in about 5-6 months. In areas with high traffic, payback periods are significantly reduced.

They bring in a good income. They can be installed next to payment terminals to generate additional income.

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To ensure a good profit you need to work hard and constantly expand your network.

Pay special attention to the following points:

• Part of the profit should be invested in the purchase and installation of new equipment;
• Search for new partners. In this matter, success largely depends on the chosen payment system. If it does not attract new partners, look for a more successful operator;
• Constantly monitor the traffic flow of points where payment devices are installed. Many entrepreneurs suffer losses because they chose the wrong place to install their equipment. If you see that the device is not profitable, move it to another, more crowded place;
• Constantly improve the quality of service. Thanks to this, you can increase the profitability of the enterprise.

conclusions

Now you know how to make money on payment terminals. This is a fairly attractive and promising source of income. It's perfect for those interested in . According to analysts, the payment terminal market will show positive dynamics for a long time, since it is not completely saturated, so you can safely enter this business.