Acquiring for individual entrepreneurs: equipment, tariffs, connection. Acquiring for individual entrepreneurs - what is it, how to choose a profitable offer The best offers for acquiring

Let's talk about what merchant acquiring is. Let's see what tariffs for this service are offered by the TOP-14 Russian banks for entrepreneurs. Here are instructions on how to connect merchant acquiring for business.

Merchant Acquiring - Tariff Rating

We have collected in one table the tariffs for merchant acquiring from the TOP-14 Russian banks.

Bank	Commissions		Equipment price, ₽	Reviews	Rating	Official site
Dot	1,3%	2,3%	12 000 – 20 000		10
Module-Bank	1,6%	4%	8 000 – 35 000		10
Tinkoff-Bank	1,59%	1,99%	For free		10
Sberbank	0,5%	3%	Installment from 1000, months		10
Promsvyazbank	1,59%	1,89%	Free rental		10
Raiffeisenbank	1,99%		Rent 190 – 990, month		9
Sovcombank	2,3%		For free		9.47
Alfa Bank	1,9%	2,1%	For free		7
VTB	1,6%	2,7%	5 000 – 41 500		10
Vanguard	1,7%	11,9%	Rent 250 – 750, month		0
ICD	1,65%		Free rental		10
MTS Bank	1,69%	1,69%	Rent 1499, month		10
Uralsib	1,65%		Rent 2600, month		7
Russian standard	1,8%	2,2%	17 600 – 30 000		9.5
	min	max

What is merchant acquiring?

Merchant acquiring - non-cash payment for services and goods. It is available in many stores: they have terminals for cards. If you insert a card and enter a PIN code, then the money will be debited from it and sent to the seller. Since 2016, smartphone payments have also been working in Russia: customers do not carry cards with them, but use Apple Pay, Samsung Pay or Google Pay.

Please note that merchant acquiring is only in a physical store (one that physically exists). If you accept payment on the Web, then this is Internet acquiring. It has its own features and tariffs for service.

How does merchant acquiring work?

Below is a brief description of how merchant acquiring works in a physical store.

• the buyer inserts or applies the card, smartphone to the terminal
• enters PIN code
• the terminal contacts the payment system (it can be Visa, MasterCard, MIR) and “asks” if it is possible to carry out the operation
• the terminal contacts the bank that issued the card and “asks” if the buyer has enough money
• if all is well, the funds are debited from the account, the seller gives a check.

How to choose an acquiring bank?

We have prepared a list of 9 criteria by which you can choose the best acquiring bank.

#one. What are the turnover requirements?

See how the acquiring bank changes the commission depending on the turnover. If the conditions are such that you can pay the bank less than 2% of the turnover, then you can order acquiring in this bank. If, for a commission of 2% or less, you need a turnover of 500,000 rubles per month or more, we recommend that you look at other banks.

#2. What about equipment?

See how the bank issues equipment. Should I buy it or can I rent it for free? Is it necessary to buy a terminal at a bank or will acquiring be connected to a device purchased somewhere else?

#3. Where will the funds be transferred?

Banks take an additional commission if the proceeds from acquiring need to be transferred to an account with another company. From our TOP-14 banks, you can arrange acquiring and not pay for the transfer of money to another bank at Sberbank.

#4. How quickly will the money be transferred?

#5. How quickly will the terminal be connected?

Check with the bank manager how quickly the terminal will be installed and connected in your store. In most banks from our TOP-14, this will be done 1-2 weeks after the application or earlier.

#6. What payment systems are accepted?

If an individual entrepreneur and LLC works with tourists, then it is better for him to connect acquiring with the support of JCB, American Express, Union Pay, which are popular abroad. Terminals must also accept MasterCard, Visa, MIR, the most common in Russia.

#7. What are the RKO rates?

Find out how much the bank charges for maintaining the account. It may turn out that cheap acquiring rates are “compensated” by expensive service. And vice versa: there is a large commission for “clearing” in banks where account maintenance is free.

#eight. How much does maintenance cost?

Find out how much it costs to visit a specialist to set up the terminal and repair it. The price for these services is individual, depending on:

• what is the turnover of the business
• how many terminals are there in stores
• what model are they
• how far to go to shops.

#nine. Is there employee training?

Uralsib and MKB-Bank are companies from the TOP-15 banks that will teach employees how to use terminals for free. This is useful if you buy a lot of different devices - POS-terminals, pinpads, online cash registers.

We recommend that you determine for yourself which of the nine criteria are most important for your business. For example, sole proprietorships and LLCs with small incomes should pay attention to turnover requirements - commissions for such a business will be significant. And for large businesses, we recommend choosing a bank where they install, repair terminals and transfer money to the account the fastest.

What determines the cost of acquiring?

We have identified three factors that determine the cost of acquiring:

• equipment price, terms of its use (purchase or lease)
• transaction fees
• bank account fees.

We recommend evaluating all factors that affect the cost of acquiring. In banks where there are small commissions, there may be expensive terminals and tariffs for maintaining an account. And in companies that take 2-3% of turnover, they can provide equipment for free rent and do not charge a commission for account maintenance.

What is the equipment for merchant acquiring?

We have prepared a small overview of all types of equipment for acquiring. They described not only the terminals, but also other equipment.

#one. Stationary terminals

Installed in physical stores. Do not move: Internet connection is usually via cable. Used by stores that already have cash registers and cash payments.

#2. Portable terminals

You can carry them with you - work at several points, and buy one terminal. Portable equipment has a battery that lasts for 2-3 days of operation. They have SIM-cards and work without a cash register.

#3. POS systems

POS systems include:

• payment terminal
• keyboard, display for entering purchased goods, services
• Barcode Scanner
• fiscal apparatus.

The most expensive type of merchant acquiring equipment. Completely replaces the traditional workplace of a cashier. Suitable for new stores that are equipped from scratch.

#4. SMART systems

SMART-system consists of:

• mobile terminal
• fiscal accumulator
• smartphone or tablet.

The mobile terminal used in a SMART system is smaller and cheaper than a conventional device. It connects to a smartphone or tablet via Bluetooth. It turns out a full-fledged terminal, like in a store.

#5. Pinpads

Auxiliary device. This is a gadget with a PIN-code keyboard and a screen where the client puts a card / phone or inserts a card. The pinpad does not work on its own - only in conjunction with the terminal.

Is there merchant acquiring without a bank account?

No. If an individual entrepreneur or LLC wants to connect merchant acquiring, then you will need a bank account. Otherwise, there is nowhere to transfer money that buyers transfer by bank transfer.

If the entrepreneur already has an account, and profitable terms according to merchant acquiring they give in another bank, then it is not necessary to open an account. You can arrange acquiring in one bank, and receive money in another. Sberbank will do this without additional fees.

Merchant acquiring and online cash registers

Since 2017, stores that sell goods and services must have online checkouts. This is a requirement of Federal Law N 54-FZ of May 22, 2003. If they are not, there will be fines: for officials– from 1500 to 3000 ₽, for companies – from 5000 to 10000 ₽.

If merchant acquiring is connected in the store, then an online cash desk will still be needed. It is equipped with a fiscal drive that sends all sales data to the Federal Tax Service. This is necessary to accurately calculate taxes from the store.

When connecting merchant acquiring, check online cash desks: they must comply with the requirements of the law. We talked about penalties for violations above.

How to connect merchant acquiring?

We have prepared a brief instruction that will help you connect merchant acquiring. It has 7 steps.

#one. Choose a bank

Choose a bank with the best conditions for merchant acquiring. We recommend using the criteria described above.

#2. Submit an application

Send an application for merchant acquiring:

• in internet bank
• through the website
• by phone.

A bank consultant will contact you and clarify for which business acquiring is needed. He will tell you in detail about the current tariffs and help you choose the best one.

#3. Prepare documents

A package of documents for connecting merchant acquiring:

• passport of an individual entrepreneur or director of an LLC
• extract from the USRIP (for individual entrepreneurs), USRLE (for LLC)
• certificate of registration of an individual entrepreneur or LLC
• account details.

Please note that this list is not complete. Your bank may ask for other documents.

#4. Pick up equipment

Choose the equipment you need for merchant acquiring. We talked about the types of equipment above. A bank consultant will be able to tell you how many pieces of equipment will be needed for the store.

#5. Sign an agreement

Sign the merchant acquiring agreement at the office or in the Internet bank. It is drawn up as an additional to the cash settlement agreement.

#6. Install hardware

Bank specialists will go to the store, install and configure the equipment. Prepare the conditions for the work of the masters.

#7. Start payment

The specialists of the acquiring bank will train employees (if such a service is available). After that, you can turn on the equipment and accept payments from customers by bank transfer.

Conclusion

According to Alfa-Bank experts, merchant acquiring increases business revenue by up to 30%. And Unistream-Bank claims that individual entrepreneurs with merchant acquiring earn 80,000 rubles more per year.

According to the Uniteller company, which works with enterprises from 40 business sectors and serves more than 3.5 thousand stores, a client spends 30% more with cashless payments than if he paid in cash.

Therefore, we recommend connecting merchant acquiring for any business. Among the TOP-14 Russian banks there are those that charge 1.5-2% commission for all transactions. And these banks will also help install terminals, service them and transfer the proceeds to the bank where it is convenient for the entrepreneur.

Acquiring is a way to pay for goods and services payment cards via terminals or the Internet. In the article we will tell you why an individual entrepreneur needs to connect to this system.

Benefits of acquiring for IP

1. More sales. After connecting acquiring, revenue increases by 20-30%, because buyers spend more money when paying by credit or debit card.
2. Savings on collection. There is no cash, so collection is not needed.
3. If you are planning to open an online store, then acquiring will come in handy, because it will be convenient for customers to pay.
4. You can not worry that buyers will pay with counterfeit banknotes.
5. Paying with a plastic card is faster, so there will be fewer queues in the store.

What difficulties may arise

There is a possibility of a technical failure during payment, because acquiring is an automatic thing.

The seller can also make a mistake if he breaks the amount more or less real value goods and services.

Acquiring types

Merchant acquiring

It is used in shops and cafes, customers pay via POS-terminal. For transactions, the bank takes a commission of 1.5-2.5%.

Mobile acquiring

Helps pay for goods and services using portable POS terminals and mobile devices. For example, a courier may take a terminal with him so that the buyer pays with a card. The commission is usually 2.5-3%.

Internet acquiring

Convenient because you do not need to install a terminal for payment. All operations are carried out on the website of the online store: the buyer enters the card details and pays for the goods. Bank commission is 3-6%.

The appropriate type of acquiring depends on the type of activity. For example, if an entrepreneur has an offline outlet and an online store, then merchant and online acquiring will be needed. Mobile acquiring will come in handy if the IP starts delivering goods to your home.

The more ways to pay for goods and services, the more buyers.

Which bank to choose for acquiring connection

When choosing, pay attention to several conditions.

1. Equipment

For acquiring, you will need hardware and software. The speed and safety of calculations depends on the technology. Therefore, ask the bank if it provides equipment and how much it costs. Often banks allow you to use it for free if you enter into an acquiring agreement with them.

2. Type of connection between the terminal and the bank

This affects the speed of service. If the bank offers inexpensive authorization methods, then you will be wasting time - yours and your customers'.

When paying by card, information is transmitted through several channels. For example, from a POS terminal, it goes to the bank's processing center, from there to the payment system, and then to the issuing bank, which checks whether the card is valid and whether there is money on it. Then the information is again sent to the POS-terminal.

The speed of information transfer from one link to another depends on the way the terminal communicates with the bank. The slowest connection is via a phone call and via modem, the fastest, within 1-3 seconds, is via Ethernet and Wi-Fi. For mobile acquiring, packet data transfer protocols GSM and GPRS are used.

3. Payment systems with which the acquiring bank works

Each bank has its own list of payment systems with which they work. The most common are Visa and MasterCard. Therefore, it is important that you can pay through these systems.

4. Service

Banks usually offer equipment installation and maintenance, as well as train staff to use the terminals.

After installation, personnel must be instructed. A more serious form of training is acquiring training, which teaches how to identify fraudsters, increase sales using acquiring, cancel an erroneous transaction, organize document flow and prepare reports.

pay attention to Maintenance which should be available around the clock. So that you can contact the bank at any time, replace or repair broken equipment.

5. Financial conditions

Of great importance is the period during which the money arrives at the IP account. If the account is opened in the acquiring bank, then the money is received within one day. If the account is opened in one bank, and acquiring is connected in another, then the term of receipt may increase up to three days.

It is also necessary to clarify the terms in which the bank returns the money to the buyer's card if he refused the purchase. Optimal time- 3-10 days from the date of return of the goods.

Submit reports in three clicks

Elba will take care of the bookkeeping. The service will prepare a report and send it via the Internet. Downloading payments will help communication with banks and online cash desks.

What determines the size of the tariff for acquiring

The bank deducts a commission from each payment made by the client. On average - from 1.7 to 2.3%. Minimum Commission- 1.5%, and the maximum - about 6%.

The amount of the commission depends on:

• Turnover of the organization from goods and services that were paid with bank cards. The higher the turnover, the lower the rate.
• The number of licenses from payment systems from the acquiring bank. The fewer of them, the less the bank spends on commission to payment systems. Due to this, the commission is reduced.
• processing center. If the bank has its own PC, then the commission is lower, because you do not need to pay a third-party organization for this service.

. It's fast and free. The bank has built-in accounting for individual entrepreneurs on the simplified tax system, UTII and patent.

Non-cash payments quietly replace the usual payments with banknotes and coins. According to Federal Law 112, since 2014, all trade and service organizations are required to accept for payment bank cards. 54 of the Federal Law states that from July 1, 2018, all online stores must have acquiring.

Before entrusting acquiring to the first bank you come across, learn from our article how to competently approach the issue of installation and not overpay the intermediary between you and the buyers.

Quasi-tax for convenience or terms of acquiring for individual entrepreneurs

Making purchases by non-cash payment with a card through a POS-terminal has entered the life of Russians. This is acquiring, which in translation means "acquisition".

At the Delovaya Rossiya forum in February, V. Putin expressed dissatisfaction with the size of the banks' commissions for cashless payments through acquiring terminals. In our country, this figure reaches 3% of the purchase. For comparison, all over the world, the fee to an intermediary for holding money is not higher than 0.3%. The President proposed to reduce the “quasi-tax that interferes with the economy”, but this call did not find support in the departments.

In conditions of high cash in favor of banks, an entrepreneur needs to think carefully before signing an agreement for the installation of acquiring. It is a mistake to believe that the device has the right to install only the bank in which your current account is located.

Let's look at acquiring in more detail, and also answer the question: is it possible to find a middle ground using this useful banking service.

Tariffs for acquiring: rating of banks to help individual entrepreneurs

Having a current account, you can easily connect the service of receiving non-cash payments. Most financial institutions do not put terminals on "non-native" settlement accounts. Sberbank agrees to this. And this is a big plus for those who have chosen a cheap CSC in another bank.

We offer to compare the offers of banks according to the parameters of connecting the Acquiring service:

Connection to the service	For free	For free	For free	For free
Provision of equipment	Purchase - 16000-27000 rubles. Rent 1500-2000 rubles / month	Purchase - 16500 r. Installment for 12 months	For free	For free
Commission for each transaction:
Mandatory Additional Terms	Settlement account in Modulbank	Settlement account at Tochka Bank	Settlement account in Tinkoff Bank Subscription fee from 1990 rubles / month depending on turnover	The minimum turnover for acquiring is 1000 rubles / month Current account opened in any bank
	Flashing a third-party terminal provided by the entrepreneur		There is no charge. if no operations	Loyalty program "Thank you from Sberbank"

Transaction fees vary between 1.9% and 2.7%. The highest percentage banks will take for purchases on the site and for the delivery of goods.

There are few bonuses, but there are: Modulbank is loyal to the devices of entrepreneurs and is ready to reflash for free software under yourself. Just prove that you own the device. Sberbank gives cashback to customers in the form of "Thank you" bonuses. With them, you can eat for free at Burger King or drop half the price for a pair of shoes at Kari. AT affiliate program Sberbank involved dozens of services.

The choice of acquiring for IP

Acquiring is not limited to the ability to pay with plastic in the store. There are three types of services:

• Trade acquiring. Convenient for stationary objects: cafes, salons, shops, sales offices. Most terminals accept Visa and Mastercard cards, cards payment system World.
• Internet acquiring. Method of sales through online stores. The bank will help to install a button on the site, which will make your business tax-friendly and convenient for customers.
• Mobile acquiring. A portable wireless assistant is required for payments through couriers for the delivery of goods. Useful for waiters for settlements with customers in the restaurant hall.

One point can have several terminals. At the same time, you will have to pay for each device separately, according to the tariffs under the contract.

Tinkoff Bank will provide a free device, but will undertake to make payments only in a profitable place with a revenue of 300 thousand per month. Or offer to use the service of a partner bank.

"Point" and "Module" do not make such claims, because they were created to help small and micro businesses. Feasible percentage of the commission, assistance in the purchase of equipment.

But these banks insist on connecting RKO before applying for acquiring. But it's not so bad. After all, the tariffs for maintaining an account with these banks are among the lowest.

Sberbank, due to its popularity, is so supportive that it provides equipment for free. A small condition is to spend at least a thousand a month through the terminal. Otherwise, next month it will be turned off and taken away. In fact, the commission for equipment, which allegedly does not exist, is included in the percentage. It is 2.5%.

Advantages of acquiring connection

The installation of terminals is interesting in that it facilitates routine financial processes entrepreneur through invisible work with virtual sums.

• Cashless payments increase revenue for a quarter. It is easier for buyers to part with electronic money, because they are not taken out of the wallet, they are not counted from total amount. As they say, the eyes do not see - the heart does not hurt.
• Save time for service up to 1 minute per customer. There is no need to count in your hands, check bills for authenticity, give change and wait for the coins to be collected from the counter.
• Savings on collection. It's simple - no bags to collect money. It is safe to work as a salesperson who has no cash at the checkout.

The best acquiring for individual entrepreneurs in 2019 is the one approved by the bank

Do not think that for the sake of profit, banks are ready to connect devices to everyone. International payment systems closely monitor the activities of banks. Therefore, the department credit institution, where you come with an application for connection, will check each word indicated in the questionnaire.

If the bank through ignorance or omission helps scammers, the Ministry of Railways will fine you mercilessly. For every negligent seller financial institution pay a $25,000 fine. And if the problem is not sorted out, the fine will increase to 100 thousand dollars, and the bank may lose the right to acquire a Visa.

What sales are banned?

• Fake goods. The bank closely examines the company's website for compliance of goods with the declared brands.
• Services of illegal casinos, sale of pornography, goods that violate intellectual property.
• Remote sale of tobacco products, electronic cigarettes, hookahs.
• Subscriptions for further withdrawal of money.
• Lack of goods after receipt of payment.
• Medical drugs dispensed by prescription.
• The quality of the product does not match what is stated on the site.

If you are confident in your business, use acquiring as a great expansion tool target audience and sales volumes. You have to pay for convenience. Agree that 2-3% as a reward for increasing revenue by 25% and simplifying labor-intensive processes is a feasible payment for an interested entrepreneur.

The acquiring service is closely related to the development of contactless payment technology around the world. Every year, banks develop tariffs that become more and more profitable for partners. But you need to better understand the service in order to understand what its main features are. And do right choice suitable bank.

What is acquiring for IP

From English, the translation of the word sounds like "receive, acquire." But there is another definition that reveals the essence of the phenomenon more fully. Acquiring is a non-cash way of carrying out various transactions.

Payment for goods

Actions are implemented through several tools:

• plastic cards;
• internet / processing center;
• hardware-software complex.

Interesting. This whole mechanism is put into action by banks, so we can say that acquiring for individual entrepreneurs is one of the banking services.

How to choose the best bank

Most organizations offer similar services for entrepreneurs. But the tariff is not always really profitable. There are a few things to keep in mind to make your decision easier. A mobile portal for the service will also be a convenient solution.

What to consider when choosing:

• Type, price of equipment from a credit institution. It depends on what the initial costs will be. To receive payments, consumers are offered three types of equipment: cash registers with an acquiring option, imprinters, and POS terminals.

• Type of connection for devices. Acquiring tariffs for individual entrepreneurs assumes different ones, depending on this indicator. Wireless WiFi channels are the most popular options, although other similar solutions can be found. Ethernet is the variety that is considered the most reliable. You can choose Dial-up or GPRS.

• Payment systems supported by the bank. International payment systems selected individually by each bank. The more choice initially - the cheaper the service. Visa, MasterCard and MIR are the largest, proven systems. Many experts are confident that MIR will become the main option in Russia in the near future.

• Trade acquiring agreement for individual entrepreneurs. The main thing is that the contract should describe in detail the features of future cooperation and interaction. Of the bank's responsibilities, the most important are: guaranteeing the transfer of funds to accounts within the agreed time frame; ensuring the smooth operation of devices, support services if necessary; training; equipment installation.

• The quality of service, which is not difficult to find. Here you need to look at many factors, including the seriousness of the approach to current work, the willingness to provide technical support at any time, and so on.

• Terms of transfer of funds to the company's account. One to three days Better conditions for this particular procedure. The acquiring center investment tariff for individual entrepreneurs in this regard sets the most favorable one.

Modern cash desks for acquiring

Which bank to choose for merchant acquiring for individual entrepreneurs depends on all the above conditions.

Connecting mobile acquiring

A modern type of service that appeared relatively recently. Example areas of application:

• small shops;
• small cafes;
• coffee houses for which the tariff plan is different;
• Taxi;
• couriers. It is also easy for them to select conditions.

note. Payment processing works on next mechanism. A special reader is connected to mobile phone or tablet. The buyer applies to this device plastic card, after which the corresponding amount is debited during the interaction. The main thing is the presence of special settings on devices, a payment application.

Varieties of acquiring

How to accept payments on the Internet as a sole proprietor

An individual entrepreneur can choose several options for receiving money from clients:

• in cash;
• to a current account, in the form of electronic money;
• transfer to the personal account of individuals.

Electronic transfers are credited to the account either through an intermediary, or from the entrepreneur himself, using modern cash registers. The acquiring type of services also implies their use.

Is it possible without opening a bank account?

Merchant acquiring is not possible without a current account. This applies even individual entrepreneurs. Such services are provided only to customers who already have current accounts. After all, otherwise there will simply be nowhere to transfer money, it does not depend on the chosen method. An account can be opened in any organization, there are no restrictions in this regard.

Interesting. The same rules apply to internet acquiring.

What to look for when choosing a tariff

Comparing rates is the first step for anyone interested in related services. In many ways, the indicator is determined by who acts as an intermediary. These can be banks or processing companies. Processing companies usually set a high price for their services. Comparing the information is not difficult, it is in the public domain.

In what cases do you need a current account and acquiring

Many banks are ready to offer serious discounts to those who order acquiring at the same time as opening a current account. Some organizations generally prohibit the use of acquiring without a current account.

Important. Most market participants are calm about accounts opened with other organizations. After all, they take more money from such clients.

Here you need to calculate the rate of arrival cash accounts. And the tariffs that are set for the service. Most profitable option- not always cheap.

Card payment

Which banks offer these services

You can give a list of organizations that have the best reputation in this direction. Clients just have to choose the conditions that will be the most profitable.

Options to choose from:

• Bank Point. All types of services, favorable rates for business representatives.
• Credit Europe Bank. Free payment terminal additionally. With acquiring commission up to 1.5%. The next day, the company's account receives funds from any completed transactions. Cheap service option.
• Yandex. Develops various tariffs for partners, depending on the basic conditions. The acquiring rate is from 2.8 to 5.5%. The rating often leads, takes one of the first places.
• Tinkoff Bank. 1.59% - the amount of commission from the average turnover. There are three tariffs - simple, advanced and professional.
• Alfa Bank. It is also beneficial for cooperation with entrepreneurs on UTII.
• Sberbank.
• UBRIR. He proposes new solutions to his clients.
• Opening. Every year more and more programs are being developed in this direction.

note. The main thing is to understand that the tariffs differ depending on what is being served now. entity or individual entrepreneur.

Important conditions when choosing a suitable tariff are the organizational and legal form, the turnover of the enterprise, and the type of activity. The decision is made only after a thorough study of the terms of the future agreement. If necessary, you can always ask questions, make adjustments.

Connecting merchant acquiring is a serious step for those who strive for success. But the results of such decisions justify themselves very quickly.

To leave a review about a bank, go to the bank's page by clicking on its name in any of the reviews. Or click on the "Detailed conditions" button in the card of the selected bank from the list above.

Sergey Kuznetsov feedback about Rosbank Opened a current account in Rosbank. Because he lived in countryside and it was not possible to install an Internet bank, I had to go to the city for all issues. But for me it was not particularly difficult, I often went there on business. Everything is fine There is not

Popov Sergey Yurievich feedback about Tinkoff Me in can Tinkoff I was attracted by the opportunity to try RKO for free for 2 months. During this time, I got used to it, got my hand under the Tinkoff interface, and stayed with them. It's been two years now. You can try for free. All issues are resolved quickly over the phone. Profitable terms. Not

Andrey Zuborev feedback about Forbank We have been using the services of ForBank for quite a long time. We took out several business loans. Compared to other banks, there was a smaller package of documents and faster processing. We paid everything ahead of schedule and decided to take a closer look at this bank in terms of other services. Acquiring was connected six months ago. It works well, sometimes you have to call support, the operators are always polite, friendly, and most importantly, they know their business well. Regarding the current account, everything is also good. Favorable rates. Slowed down acquiring.

Sergey Yanchuk feedback about Sberbank Not so long ago, he opened his first IP and very responsibly approached the choice of a current account. For a long time I compared not only tariffs, but also the quality of service. I think it's very important. Stopped at Sber. I submitted an application, a girl contacted me, clearly explained everything where and how you can open an account, what documents will be required. I also liked the attitude of the employee directly in the branch, they told me everything, consulted, explained some of the nuances of the work of the Internet bank. This is not the same Sberbank with queues and rude attitude) Thank you for changing! Not yet)

Charlin Vladimir Petrovich feedback about Oriental We have been maintaining an LLC account in Vostochny for the third year already. Everything suits me. I like the Internet application, all payments are fast. We use merchant acquiring. Somehow one terminal broke down, they called technical support, a service worker quickly arrived and took it to a service center, and a couple of days later they brought a serviceable one. They work quickly, so we pay money not in vain. favorable rates, profitable acquiring! Not

Mikhail Ilyin feedback about UBRD I liked the service of the Ural Bank from the very beginning. A simple registration procedure and polite staff, here a sample is attached to each application, if necessary, the manager will help and prompt. The account was opened in 1 day. Fast account opening, comfortable service conditions. Have not found

Elizabeth Kapranova feedback about Vesta Applied for opening an account in the West Bank branch. To do this, pre-arranged the time of the visit. On the right date, they called me in the morning and reminded me of a visit to the bank. The manager who opened the account explained in detail all the nuances of cooperation. I am satisfied with my choice. Everything quickly and without unnecessary gestures) Not found

Mikhail Zverev feedback about Sovcombank If there is a desire, then you can find fault with any bank. I have been cooperating with Sovcombank for 5 years. During this time, there were only minor misunderstandings that were immediately resolved. There is a free tariff, I started my acquaintance with the bank with it, and then switched to a more serious one. Small cash limits even on more expensive plans.

Anastasia Kudimova feedback about MTS Bank I am an individual entrepreneur, I have an open current account in MTS-Bank, I also took a loan for turnover a year ago. Offered good conditions, almost paid. I'm thinking of getting another one in the near future. As soon as possible, I will contact MTS. There is profitable loans for clients! Service conditions are slightly more expensive than in some other banks.

Evgeny Lunko feedback about Modulbank I have tried working with several banks. There were always some problems. I have been working with Modulbank for three years already, and there are no problems. Not one at all. Once there were difficulties with documents for the tax office, the bank employee understood and very quickly resolved the issue. It took no more than three days, although it could take more than a week. The account opening procedure was carried out via the Internet. All online! Not

Kristina Petrova feedback about Promsvyazbank I opened a bank account at Promsvyaz Bank. I liked how fast the girls in the department work. Suggest. help fill out paperwork. Very detailed advice on tariffs, no questions. Polite staff, good rates. No

Kirill feedback about Raiffeisenbank I have been serving in Raiffeisen since 2004 as a physical. person and since 2013 as a legal entity. face. I really like the openness and transparency of the bank, no hidden fees, what rate is indicated, it will be so. Helped out many times. I sent the payment to the tax with an error. It is impossible to cancel the operation remotely, and I was very far from the department. I sent an application, the payment was slowed down until I brought the originals a few days later. I remember back in Austria, when we had another crisis here, people with cards from Sberbank and various small banks were sent for cash, Rife's card was accepted with a bang. In general, very pleased with the service. The only negative point is that R-Connect used to hang. But in Last year I don't notice this. Individual approach! Not seen.

Bezumov Artem Nikitich feedback about Opening In general, our company is satisfied with the work of Otkritie Bank. A couple of times there were delays with transfers, one of which was in foreign currency. But important payments, such as taxes, duties, leave on time and free of charge. Wages our employees also receive without delay. RKO rates are moderate. Our business is still small, we plan to take a loan for development. Nice prices! There were delays with currency transfers

Ruslan Andreev feedback about Alfa Bank I am an IP, I have small business in the field of retail sales. I applied to a bank branch in Kazan about a business loan. The employee gave me very detailed advice on all products. We were able to choose the best solution. I want to express my deep gratitude to Alfa-Bank for their work! Optimal rates! No.

Alexander Sorokin feedback about St. Petersburg We serve in the bank SPB LLC, there is salary project. We have been cooperating for a long time, so over the years of interaction there are both positive and not so good points. A long time ago, when I sent employees on a business trip, there was just a crazy commission for transferring travel allowances of more than 100 thousand rubles. Previously, you had to go to a branch to carry out any action, but now, of course, there is an Internet bank, and everything is much simpler. The employees are polite, all problems are solved, and if there is any difficulty, they can meet halfway. Overall a good bank. If problems arise, you need to run to the office. Some commissions are big.

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