Mobile acquiring and myths about it

Miroslava Mikhalchuk
23.11.2015

Mobile acquiring and myths about it

At the moment, almost two hundred thirty million bank cards are registered in the country. Despite this, a large number of small establishments - cafes, taxis, gas stations, restaurants - still do not take into account the cards. So, customers have to independently search for ATMs or the nearest banks and pay only in cash. Will helpmobile acquiring.

Why are there no terminals?

The first reason why there are no ATMs in some institutions is the refusal of the bank to provide them with the necessary equipment. This became known from the words of the owners of small cafes, gas stations, restaurants.

Bank refusal to provide

Everything is explained by the fact that many enterprises have a revenue of no more than one hundred thousand rubles per month. While equipment costs twenty-five to thirty thousand. So, it simply does not make sense to give out equipment for one reason - it will not pay for itself.

To get out of the current, at first glance, difficult situation, there is an excellent device that allows you to pay for goods or services using a smartphone and your card. This method has the name - mobile acquiring.

In the article we will try to understand all the advantages and disadvantages of these devices, and also try to dispel some of the myths relating to them.

Mobile acquiring and myths about it

Like any other innovation, it is also overgrown with myths and misconceptions about how to properly use banking and financial products.

First myth

Mobile acquiring in the system is quite a long and expensive procedure.

For the implementation of the first stage of work with the terminal, only one signature from the bank is needed. The signature is an agency agreement with an organization providing this type of service. Then, within the framework of a specific portal, the company creates an individual cabinet for the bank and for each client individually.

Agency agreement with the organization

After that, almost ready application forms and contracts are provided for filling customers. This allows access to the necessary information and the number of entries in this service. After the customer makes the payment by card, the bank will have to attach scans of the documents provided during the registration of a certain account. That's the whole mobile acquiring.

For a clear check of documents you need 2-3 days. The organization directly informs the client about the readiness of the test results.

A letter is also sent asking the representative to make a choice regarding the number and names of terminals for doing business. After that, customers are able to accept payments by bank cards, and banks, respectively - to receive a commission.

Second myth

Mobile Acquiringbrings the bank a tiny profit, so they are in no hurry to provide such services.

What do banks think about this? This myth is easily refuted - in its size, the income from a mobile terminal is no different from ordinary, but more expensive, analogues. Moreover, the pace in this area is increasing every day.

Bad profit

This market is still very young. For example, in Russia he is not more than three years old, but despite this, more than one hundred thousand organizations already use it.

For greater clarity of the situation, it must be said that the income received by banks equals the difference between the amount coming in profit and the expense itself. The cost of mobile acquiring is much less than twenty five thousand rubles.Logic says that the availability of the terminal allows more people to use it. This means that the profits of banks will also increase.

Third myth

In the case of using a mobile service, the bank can be attracted to the scam system of any terminal.. 

An entrepreneur who plans to introduce such a system as mobile acquiring, before receiving the terminal, must pass more than one test. The bank first checks all customer documentation. In addition, another service also checks documents immediately prior to receiving the device.

Before receiving the terminal

There is also a special system of limits for an additional degree of protection. With its help, the amount and number of operations for representatives of a new business are limited.

A security system that has more than one level allows customers to make payments and be sure that they are absolutely reliable.

Fourth myth

The development of such services as mobile acquiring will be very long. It is not available to customers of many banks.. 

The studies conducted by the Americans helped to draw some conclusions regarding the spread of mobile acquiring.Over the year, the number of such terminals in total will increase by approximately 32%.

Over the next four years it will be possible to observe their growth. Thirteen million terminals have already been installed.

I am glad that the terminals every day improve the quality and quantity of services, taking into account all the wishes of customers. The fact is that when performing operations, the system remembers absolutely all the nuances.

Video - operation of the mobile terminal 2can

Detailed video on how it functionsmobile equoringFor example, terminal 2can. It can be used in taxis, sightseeing tours, online stores.


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  • Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it

    Mobile acquiring and myths about it