By becoming a member of the Merchant Acquiring program, the seller receives significant benefits, because in this way the need to recalculate and check cash, as well as give change to buyers, disappears. To do this, you need to conclude an acquiring agreement with Sberbank.
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Acquiring agreement in Sberbank - what is it?
The agreement allows installing special devices for paying for goods and services with bank cards in its outlets.
The main feature of this document is its publicity, which consists in the distribution of the same type of rights for all clients.
Any changes are entered into the online contract, so they are often not written in the paper version of the document.
Each client who has concluded an acquiring agreement has the opportunity to view the changes made.
Sberbank has been offering loyal conditions for users of acquiring services for many years, so the company has developed a system of benefits:
- personal processing center;
- experienced and qualified employees of Sberbank;
- affordable service price;
- increased confidentiality regarding the personal data of the client.
Tariffs under the acquiring agreement are calculated individually for each client (an approximate sample is given below in the article). The final price depends on various factors, the main of which is the number of devices that will be used for payment by bank cards. Another parameter that affects the cost of the service is the turnover, which is calculated on average for one working day of the outlet.
According to the terms of the acquiring agreement, the commission will be charged for each payment by card. It is noteworthy that the percentage for using the service will be charged not from the seller, but from the buyer at the time of payment by card.
The calculation algorithm will look like this:
- the consumer pays for his purchase with a bank card;
- a commission is calculated from the total purchase amount, which is ultimately automatically redirected to Sberbank;
- the remaining amount of money goes to the balance of the seller.
Conveniences of acquiring in Sberbank (video)
Concluding an acquiring agreement with Sberbank significantly speeds up customer service time. Since the seller does not need to leave banknotes at the cash desk, it is possible to reduce the cost of collection.
Download a sample contract for acquiring
Download
It is most convenient to submit an application electronically and send it to Sberbank.
The application must include:
- direction of acquiring (trade or Internet);
- company details (name, address, as well as website, if the service will be used for online payments);
- scope of the company;
- number of outlets;
- contacts;
- responsible person.
As soon as the acquiring agreement is signed, Sberbank employees will install devices for paying for goods and services with bank cards. Simultaneously with the adjustment of the equipment, Sberbank representatives will test the skills of using the devices with the personnel of the customer organization. Payment for using the service will be carried out automatically. If desired, payment can be made by the seller independently (according to Appendix 2 of the acquiring agreement from Sberbank).
All conditions and details of concluding an agreement for merchant acquiring in Sberbank are on the official website of Sberbank .
What are the benefits for a client who has entered into an acquiring agreement with Sberbank?
In addition to the described advantages of using the acquiring service, the customer company receives a number of other advantages:
- expansion of the client audience;
- additional opportunities for bank card users;
- an increase in the average check of the outlet, due to an increase in the number of unplanned purchases for which the buyer does not have cash;
- increasing the speed of customer service;
- minimization of cases of receipt of counterfeit banknotes.