Do you need an online cash register when acquiring and how to connect it?

Russian buyers are increasingly paying with bank cards for goods and services purchased both in real retail outlets and in online stores. Large networks with high turnover are obliged to ensure the acceptance of bank cards today. In the coming years, the government plans to extend this obligation to other stores, including those that operate online . Let's figure out how to ensure that an online store accepts non-cash payments, and what does cash register technology have to do with it.

Acquiring

To accept plastic cards in a real store, in addition to the cash registers, special devices are installed - acquiring terminals . The seller enters into an agreement with the bank, receives or buys a terminal and installs it at the point of sale. When the buyer pays with a card and uses this terminal, he gives an order to debit funds from his account. This information is verified, processed and transmitted to the buyer's bank. There are several links in the data exchange chain - the buyer’s and seller’s banks, the processing center, the payment system (Visa, MasterCard, Mir). As a result, the money is reserved in the buyer’s account, and the machine reports that the purchase was successful. This entire complex process takes just a few seconds.

Internet acquiring is a type of acquiring and is intended for online payments. Every time we pay with a card on the Internet - we pay for an order in an online store, communication services or housing and communal services - Internet acquiring works.

The principle is the same as for merchant acquiring, but everything happens remotely, and therefore a terminal is not needed. Its role is played by the page with the payment form . When the buyer enters the card number, expiration date, security code, the same thing happens as when he uses the terminal in a real store. Next, the information is transmitted to the buyer’s bank, and if there are enough funds, they are reserved. In this case, the user will see a message page indicating that the payment was successful.

Acquiring and its types

Acquiring is a banking service that allows you to accept card payments from customers. They will be able to pay with a plastic card, smartphone, watch and even via the Internet. Acquiring is divided into:

1. Trade. When making a purchase, the client places a card or smartphone at the POS terminal and the money is debited. The seller receives them to his bank account in 1–2 days minus the bank commission.
2. Internet acquiring. It is used in online trading without a physical terminal. The buyer pays for the goods on the website through a special payment service. Enters card details in the browser, receives a code via SMS and enters it to make a purchase. After this, the money is debited and a few days later comes to the seller’s account minus the commission.

How to connect

To connect to your online store or online acquiring payment service, there are two options:

• contact the bank;
• enter into an agreement with one of the payment aggregators (these are Yandex.Kassa, Robokassa, PayAnyWay, RBK Money and many others).

In practice, most stores use the second method, since it is more profitable. After all, in addition to payment cards, there are other electronic means of payment - WebMoney wallets, Yandex.Money, QIWI and others. So, payment aggregators have this name precisely because they offer customers a choice of different payment methods. This is also convenient for sellers. One buyer, for example, paid through Yandex.Money, another used a card, a third used a QIWI wallet, and the seller will eventually receive all these funds to his current account .
If you connect online acquiring from a bank, the site will be able to accept payments exclusively by cards. Of course, the seller can directly enter into an agreement with each popular payment service, but this is less convenient.

Advantages of Internet acquiring for the seller

• For ease of use of the service, the processing center provides the seller with a personal account in which you can configure and control processes.
• When connecting to Internet acquiring services, you can configure security settings. This will eliminate financial risks and increase payment conversion.
• An analytics system is used to maintain records and statistics in your personal account.
• A mobile application is available for remote control of the process.
• Customer payments are deposited into the merchant's bank account daily.

What does the cash register have to do with it?

Cash registers should already be used by many stores today, and from July 1, 2021 - by almost all. This also applies to those who sell goods online. Since the middle of last year, the provisions of Law 54-FZ on cash register equipment came into force, which oblige sellers to use cash registers, including when accepting payments via the Internet with cards and other means of payment . Since then, when paying online, the seller is required to generate a receipt.

As a general rule, checks are issued at the time of settlement . But for remote payment, an exception is made - you need to generate a check no later than the day following the payment. This is due to the fact that the seller cannot always quickly track the moment of payment, because sales on the site are carried out automatically.

When accepting online payment, a receipt can be transferred to the buyer in several ways:

• electronically by email or phone number;
• in paper form along with the purchase;
• in paper form during the first direct interaction with the buyer after the sale.

But what you can’t do is knock out a check in advance . Although some online stores still practice this. Meanwhile, this is a direct violation of Law 54-FZ, which requires that the check be generated at the time of settlement. The rule here is simple - if a courier or delivery service representative accepts cash, he must have a mobile cash register with him and issue a receipt.

Do you need an online cash register for trade acquiring?

Payments with plastic cards are electronic payments. As a result of payment, the buyer receives a check, and information about the transaction is sent to the tax office. This is impossible without an online cash register with a fiscal drive.

The acquiring terminal is not a cash register. The POS terminal does not issue a receipt, but a slip - a receipt confirming payment. The slip does not contain the details that should be on the cash receipt, so it cannot replace it.

The terminal transmits payment data to the bank, the Federal Tax Service does not know about it. In this regard, the terminal will not replace an online cash register either. However, you can combine two devices into one. Read our article “Online cash register with acquiring”.

All LLCs and individual entrepreneurs are required to conduct non-cash payments with individuals through cash registers (Article 1.1 and paragraph 1 of Article 1.2 of the Federal Law No. 54-FZ dated May 22, 2003).

From 2021, you need to use modern online cash registers that:

• provide storage and encryption of fiscal data;
• transmit fiscal data to the Federal Tax Service online;
• record revenue;
• generate a check that the seller is obliged to issue to the buyer.

You can only use cash registers listed in the Federal Tax Service register.

Order online cash register

Which cash register is suitable for online acquiring

A feature of online trading is the absence of direct contact between the seller and the buyer at the time of purchase. The calculation is carried out automatically, without the participation of a store representative. This means that the cash register must be able to independently recognize the moment of payment and generate a check. And such equipment has been created - these are special cash register models that connect directly to the server . Such a cash register does not have a printing device, input keys and other usual attributes.

Cash register model for an online store

These machines can only be used to process automatic payments . Here are the popular models of online cash registers for an online store:

• Atol 42FS. Based on this cash register complex, the Atol-online service was created, offering cash register rental services (cash register as a service).
• RP-System 1 FS. The manufacturer offers a CCP rental service and ready-made modules for integration into popular CMS.
• NETPAY-FS. Also offered as a service, it connects to popular online store engines.
• Terminal-FA. A compact and inexpensive model that has everything you need and nothing extra. CCP can be purchased or rented as a service.

In principle, no one prohibits an online store from using a regular cash register . But the problem is that you will have to track purchases and issue receipts manually. If the store has only a few sales per day, then this will not be difficult. But if there are many of them, then difficulties will arise.

There are also mixed-type devices on the market, for example, “Kassa F” from Dreamkas. This solution is suitable for online stores with their own point of sale. The cash register operates as usual, but when an online sale takes place, it generates an electronic receipt for the buyer and transmits the data to the Federal Tax Service. In this case, the cashier can use the device as usual - nothing interferes with its operation.

What are the differences between acquiring and online cash registers?

It is simply impossible to combine these two concepts, since they perform different tasks:

1. Acquiring is required to accept payments by bank cards;
2. The online cash register prints a purchase receipt and sends the data to the tax office.

It is worth noting that some part of the profit when using acquiring is subject to fiscalization. Therefore, it is impossible to completely eliminate the use of online cash registers. In addition to simplifying the payment procedure, online cash register and merchant acquiring perform another important function - they reduce the likelihood of accepting counterfeit bills, reducing the cost of cash collection.

Is acquiring required for individual entrepreneurs and organizations?

According to the law, the consumer independently chooses how to pay for goods or services - in cash or by payment card.

In turn, sellers are obliged to ensure the possibility of paying for goods and services both in cash and by bank transfer using a bank card (Article 16.1 of the Law of the Russian Federation of 02/07/1992 No. 2300-1 “On the Protection of Consumer Rights”). Otherwise, this will be considered a violation of consumer rights and will entail significant fines for the seller (Federal Law No. 112-FZ dated May 5, 2014).

However, the obligation to accept payments from the public using payment cards does not apply to all organizations. For example, the opinion is often conveyed that this obligation does not apply to micro-enterprises. However, this is misleading.

Let us remind you that microenterprises are small businesses with limited income and the number of employees. The definition of the concept of “microenterprise” is disclosed in Art. 4 of the Federal Law of July 24, 2007 No. 209-FZ “On the development of small and medium-sized businesses...”. Here, micro-enterprises are understood as enterprises whose maximum number of employees is up to 15 people, and whose annual income does not exceed 120 million rubles (Resolution of the Government of the Russian Federation dated April 4, 2016 No. 265).

At the same time, Article 16.1 of the Law of the Russian Federation dated 02/07/1992 No. 2300-1 directly establishes that the obligation to ensure the possibility of paying for goods, works and services using payment cards applies to all sellers whose revenue for the previous calendar year exceeds 40 million rubles.

Thus, even micro-enterprises are required to accept cards for payment and use acquiring. But only if their revenue from the sale of goods/services over the past year is more than 40 million rubles.

Bank offers

Acquiring without a cash register is a service that is not provided by all banks. Today, the situation with the use of cash register equipment is constantly changing. The legislator is more often inclined to ensure that not only companies, but also individual entrepreneurs have POS equipment installed with a built-in cash register that transmits data to the tax office. Accordingly, there is always a risk of providing a service that is contrary to the law.

It is important that not all individual entrepreneurs today have to work using CCP. However, their clients would like to pay with bank cards. Entrepreneurs are forced to look for a bank that can provide them with acquiring services, but without a cash desk. By the way, the latest news in the field of CCP application is not at all encouraging. Most likely, by mid-2019, all subjects of Russian business related to trade may be transferred to a regime that involves the use of POS terminals equipped with a cash register. What does the law say today?

Cash desk with acquiring Letebox 5

At Multikas you can purchase a cash register with built-in acquiring. Pay attention to the Litebox 5 model. The mobile cash register has wide functionality, complies with Federal Law 54 and works with the OFD. The cash register has a powerful built-in battery that ensures full operation throughout the working day. Fast receipt printing will not make the client wait long. The cash register works with your Litebox personal account based on a cloud system. The cash register allows you to conduct inventory and analytics.

MORE DETAILS

Acquiring tariffs of banks

Each bank has its own tariffs for merchant acquiring. Here are the rates some popular banks provide:

Tariffs for Internet acquiring are usually higher than for commercial acquiring. This is due to the more expensive transaction procedure.

What to look for when purchasing?

If you pay attention to all these points, you can avoid unpleasant situations and connect acquiring services profitably.

ACQUIRING IN MULTIKAS

Did you like the article? Share it on social networks.

• Irina 04/26/2020 15:16
  I don’t agree with your comment; on the forums you can find good and proven acquiring companies with individual conditions. And not these snickering banks

  Answer

• Maria 07/09/2019 23:20

  Comment There are many banks, but in my opinion, it is more profitable not where the tariffs are lower, but where convenient conditions for partnership have been created. For example, the absence of minimum turnover and competent support. Or free provision of terminals, like I have at Cinco Bank. Not all banks help with connection, but they provided me with an IT specialist and trained my employees. The devices work without any problems, the bank transfers money to my bank account quickly. If questions arise, your personal manager promptly helps resolve them.

  Answer

• Ruslan 02/13/2020 16:51

  Comment Why is this advertising review needed here? My friends (two) had their bank accounts blocked!!! One hasn’t been able to get money for 6 months and the other hasn’t been able to get money for 8 months!!!! When they told me about this bank, I was even surprised because I had never heard of the existence of such a bank... All these stupid banks will close sooner or later

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Fines for acquiring

The responsibility of the seller (service provider) for refusal to accept bank cards for payment is established in accordance with clause 4 of Art. 14.8 Code of Administrative Offenses of the Russian Federation (violation of other consumer rights).

Failure to provide the buyer with the opportunity to pay for goods (work, services) using national payment instruments within the framework of the national payment card system will entail the imposition of the following fines:

• from 15,000 to 30,000 rubles – for individual entrepreneurs;
• from 15,000 to 30,000 rubles – for officials of the organization;
• from 30,000 to 50,000 rubles – for legal entities.

A fine is charged for each violation of consumer rights.

Accounting for acquiring transactions in 1C: Accounting 8

Acquiring rental

Many banks lease equipment to their clients. In this case, all maintenance (replacement of equipment in case of breakdown) is undertaken by the organization with which the contract is concluded. Check information about maintenance and replacement of the terminal before concluding a contract.

In retail outlets, as a rule, it is best to use stationary merchant acquiring. As a rule, push-button bank terminals with a small screen and a magnetic card reader are used. Such devices have different ways of connecting to the cash register and the Internet. The most common terminals are Ingenico and Verifone. Such devices have a built-in receipt printer. Terminal prices vary. Typically Wi-Fi and wired Internet connections are used.

Pay attention to the method of connecting to the Internet when purchasing a terminal.

Features of mobile acquiring for couriers, services and small businesses

Mobile banking terminals are standalone models with a keyboard, receipt printer and display that are battery operated, for example, VeriFone Vx610, Ingenico iWL220 or Yarus M2100F. Some versions combine a terminal and a cash register, for example, Atol 60F.

mPOS is a mobile pin pad for acquiring. Connects to your phone or tablet via Bluetooth or headphone jack. The device can only read data from the card. Some models support PIN code entry. All other functions are performed by the phone - transmitting information to the bank, generating a check. This terminal is an excellent solution for outbound trading and the service sector.

Types of integration of acquiring with an online store

1. Full integration _ _

• writing a payment acceptance module based on the bank API
• development of a payment form in which you can test the text and number of input fields to increase conversion

2. Modular integration. Banks have plugins for popular engines. For example, acquiring from Sberbank connects with Joomla, ModX, Opencart and 1C. You can connect the module to the site yourself.

3. Easy integration

• You don't need to connect the site and the form.
• The bank creates a payment page.
• Sending the page to the client via email or direct link. You don’t even need a website to accept money. If you are a freelancer, have an agency or an online service, you need to create a payment form in your bank account and issue an invoice to the client.

When a customer pays for a purchase, you are required to send him an electronic receipt. You need to purchase an automated cash register for your online store and connect it to your website. Today there is only one stationary cash desk for issuing electronic checks - Online cash desk F.