It is difficult to imagine the life of modern people without terminals. Today, for many, this is a reliable and convenient device that helps you quickly pay the necessary bills, transfer money, and top up your phone balance. There are no queues, and the algorithm of work is quite simple. In this regard, business on payment terminals is quite advantageous view private earnings.
To get a stable monetary benefit, you only need to purchase a terminal and place it in a public place. A commission is charged from each payment made, which will amount to your revenue. Next, we will find out how to still make money on payment terminals and what equipment is required to open this type of business.
Step-by-step plan of earning on payment terminals
As a rule, in order to make money on payments, you should perform several standard manipulations:
- Buy necessary equipment. Which one, we will consider a little later.
- Register as entity(IP, OJSC).
- Choose appropriate place(a very important point, since the amount of your earnings directly depends on the choice of place). It can be a supermarket or a shopping center, universities and colleges, entertainment centers, cinemas, train stations, etc. In general, you should choose a location where the terminal is easy to see and use. The payment terminal will not take up more than 1 sq. meter, but still this site must be rented from the one who owns it.
- Choose a payment system and agree on further cooperation. Sign the contract and open an account. It is worth remembering that the payment system you have chosen is an intermediary between you and the companies to which cash. The range of services offered by your terminal depends entirely on the number of partners with which the payment system works. You do not have to do the work yourself, such as concluding many contracts with operators.
What equipment to choose and how much does maintenance cost?
Before you earn, you will have to pay the rent of the platform for your device. The average cost of a monthly rent varies between 10-15 thousand rubles. depending on where it is installed. It is important to estimate your income per month so that it covers the cost of rent.
by the most big investment is, in fact, the purchase of the payment terminal itself. It will cost $3,000 (±$200). The price directly depends on the parameters of the device. For example, street terminals will cost more, as they are equipped with an anti-vandal coating.
Insurance monthly will cost 4500 rubles. at the cost of the device itself 120 thousand rubles. and its filling in 50-60 thousand rubles. Next, you can’t forget about the monthly payment for the Internet and replenishment of the account (the amount of payment depends on the number of payment points for one individual entrepreneur), otherwise you won’t be able to earn money. Need customer support.
The unit itself also needs maintenance, so be prepared for expenses such as cleaning the bill acceptor, updating the receipt tape, and other repairs. The most important operation in servicing the terminal is cash collection once every 3-4 days. Such service costs 4000-5000 rubles per month.
How to expand the terminal business?
Here are some basic tricks that will allow you to expand your business and earn money by increasing financial flows. Main ways:
- Increasing the number of payment acceptance points or renting several terminals at points with high traffic;
- Expansion of the circle of cooperation with companies in favor of which the payment is made;
- Tracking the passability of a place with your terminal. The most common reason for failure in this type of business is a poor choice of location. Therefore, if there are fewer and fewer people, it is better to move your payment terminals or rent them to others.
- Improving the quality of service, which is not directly related to business expansion, but is an important component in the strategy for the development and prosperity of any business.
Open private business on payment terminals is not so difficult: it will take you only about 2 months to open it. High rates of income will provide a quick payback. Of course, you can avoid all the above costs and rent a device. But in this case, the amount of income will depend on the desires of the owner to change the location of the terminal or the payment system. If you yourself decide to take everything into your own hands, then you can earn very quickly and recoup your investment. We wish you good luck in business!
How much can you earn
The main income of the entrepreneur is the commission for the implementation of payment transactions, it is 3% -5% of the payments made. Quite often, payment systems also prescribe additional bonuses. The profitability of one terminal is 30,000-60,000 rubles. per month. With the successful operation of the terminal, its payback comes in 6 months.
How much money do you need to start a business
The costs include:
- renting a place for a terminal, its cost depends on the location of the terminal and the region;
- purchase of the terminal itself and equipment, its cost is from 100,000 rubles. up to 250,000 rubles;
- payment to the payment system for the services provided;
- payment of commission to the bank for withdrawing money;
- payment for electricity;
- for GPS connection;
- payment of taxes.
Which OKVED to indicate during registration
OKVED 66.19 - other auxiliary activities in the field of financial services, except for insurance and pensions.
What documents are needed
To get started, you need to register as individual entrepreneur(IP). Documents are submitted to the Federal Tax Service at the place of residence. The list of documents includes: passport, identification code and a business statement. After receiving the certificate, it is necessary to become registered with the Pension Fund and the Social and Medical Insurance Fund.
Which taxation system to choose for registration
Do I need permission to open
This type of activity does not require licenses and special permits.
Payment terminal technology
With the help of a payment terminal, you can quickly pay utility bills, transfer money or top up your phone. To get a steady income, you need to purchase a terminal and place it in crowded places. A commission is charged from each payment, which is the income of the entrepreneur.
Selecting an advantageous location will provide stable income your business. After that, it is necessary to conclude a lease agreement. Then you need to choose a payment system, conclude an agreement. By choosing a payment system, you get great amount new partners with whom this system works.
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To beginToday, the electronic services market is developing at a tremendous pace. We no longer stand in long queues in order to pay utility bills or replenish the balance of our mobile phone.
All this can be easily and simply done using payment terminals. Thanks to them, we stopped asking many questions, the solution of which required us to waste time. In this material, we will tell you in detail about the history of the appearance of these miracle devices, how big money is made on them, and, finally, how to start a terminal business yourself. So, first things first.
Payment terminal as a business
At the dawn of the emergence of payment machines in Russia in 2006, the profit from them averaged 300 billion rubles, but after 3 years these figures exceeded 700 billion. In neighboring Kazakhstan, terminals for receiving payments began their development at about the same time.
In 2008, about 13,000 payment acceptance points were actively working there. By the way, today their number has exceeded 30,000. And now the most important thing.
According to experts this species payment has enormous potential. There is an opinion that the market is saturated by only 50% of its real capacity. It opens great opportunities for organization own business in this domain.
However, there are many skeptics who argue otherwise. According to them, certain parts of the market are already oversaturated with such machines. In addition, there is the concept of "addiction" of the population to various innovations. And if a few years ago consumers shied away from strange cars, today everything is exactly the opposite. They have become very popular and, most importantly, very much in demand, which again confirms the relevance of organizing your own network of such machines.
What do you need to start a business?
What do you need to install a payment terminal? Businessmen and entrepreneurs can organize their own company in the instant payment market. To do this, you need to purchase all the necessary equipment, connect to payment systems and choose a suitable place for rent. You will have your own percentage of each operation carried out by your clients.
Commissions pay back rent, equipment costs, and generate tangible income for owners. Of course, you have already been puzzled by the question of how much profit one payment terminal brings. And you probably already thought that this is a penny. In fact, there were substantial commissions going through the terminals before there was a serious conflict between the owners of the terminals and famous company Kcell. The essence of the showdown concerned the restrictions on the commission that was charged when making payments.
According to the position of the terminal workers, after this restriction was introduced, their incomes fell by a third. And this, by the way, is natural, since the turnover of the company, which brought such confusion to the market, is estimated at 30 to 50% of the total number of all electronic payments made. According to the data of the well-known QIWI service, operators earn good money in this business cellular communication, their share in the total turnover sometimes reaches 75%. And yet, with the right and rational approach, this type of business can turn out to be very, very profitable. 
Experts in this field note that in the next 5 years such payments will become the most popular, both in Russia and in Kazakhstan, as well as in a number of other CIS countries. Why? Yes, everything is simple.
Such a business is beneficial to absolutely everyone. Just think: the payer gets the opportunity to instantly make a payment (and without interrupting his own business, somewhere in a supermarket), the provider “makes money” in communication, and the owner of the terminal withdraws his interest.
All good and comfortable. Therefore, in the near future, an increase in the number of points for instant payment is expected. Installing payment terminals is really a comprehensively profitable and promising business! He has a great future.
How to put your terminal?
So, we have already decided that this business has all the prerequisites for development, that the niche has not yet been filled, that we can enter the market and do own business you can still. 
Now let's look at how to install your payment terminal. In order to start accepting instant payments, you need to:
1. Register as a legal entity.
2. Select the place where the payment terminal will be installed. It is very important. It is imperative that the surroundings are crowded. One of the best places is the entrance to the hypermarket.
Do not forget about the main thing - the more people pass by, the more money you can collect. However, the amount of rent will also not be small at all.
3. Invest in terminals.
4. Choose the right payment systems for the payment terminals you will work with, sign the appropriate agreement and open a specific account. They act as an intermediary between the owner of the payment terminal and organizations. The more partners that can serve payment systems, the greater the range of various payments you will be able to provide to customers.
And now let's see what are the names of payment acceptance points.
Self-service terminal. As the name implies, it is designed to ensure that customers make all the necessary payments themselves. The information provided on the monitor is structured. Also, for the convenience of users, all types of payments are divided into thematic groups. All this allows the client to quickly and without any "troubles" perform all operations.
POS terminal. Literally, the name can be translated as "point of sale." It is a compact terminal of autonomous type, the device of which allows it to successfully operate both from the network and from the battery built into it. Equipment of this type is usually installed at the checkouts in various stores. A POS terminal is an excellent additional income for shop owners.
Payment point. Such a system is convenient for those who do not want to invest a lot of money in business. It is compact and its equipment is inexpensive. The point can be organized only with the help of a laptop and, of course, software. As we have already noted, such a solution will cost the owner much cheaper than all of the above. At the same time, the payment point can be deployed (or, if necessary, collapsed) in the shortest possible time.
And now a few words about investments
The main advantage of the business discussed in our material is, of course, the insignificant labor costs required for its organization and subsequent work.
The cost depends both on the model of the device and on the availability of various additional features of this type of equipment. Here, in fact, it is precisely with this that the main investments are limited. In the absence of even these financial resources, you can not buy equipment, but rent a payment terminal. In this case, you will need to conclude an appropriate agreement with its owner. This practice, like any other, has its pros and cons.
In general, the payback of this type of business is such that it is better and more correct to purchase good equipment and after 5-6 months start calculating the net profit than renting a payment terminal and throwing additional money for its repair (and it is possible) and for paying commissions to its owner.
More is better
In order to start making really big money, you need to organize not just two or three terminals, but develop a whole network of instant payment systems. Only in this case, the payment terminal as a business will start to bring good money.
And if things don’t work out in one place, then profits from other places can cover costs and expenses and quickly recoup your investment. Experts in the business say that for successful start you must have at least three terminals (however, their opponents often call the number 10). In Russia, we do not have information on the exact amount of finance for a full-fledged start of the business.
As an example, let's give an average amount: for these purposes, approximately 200,000 rubles are needed. This amount includes the cost of equipment and the initial financial resources necessary for turnover. With such investments, there is a high probability that the payment terminal as a business will become very, very successful for you, regardless of whether you start it in Moscow or, for example, in Almaty. Good start!
Service
How does a payment terminal work? Who serves him? In order to keep the equipment in working condition and ensure its normal operation, a small staff is needed. So, for example, a company with 8 terminals is able to “pull” only 1 person, and if you have 5 or more employees, then in this case you will be able to successfully manage a company serving several dozens of instant payment points.
The advantages of such a business are that in order to engage in it, you do not need to have huge storage facilities, rack your brains over logistics, deal with various paperwork with clients (for which you need to keep a staff of lawyers).
The payment terminal as a business is good because here your task is only to 
in order to correctly place your equipment (here it is important to strike a balance between the "population" of the place and more or less acceptable rent) and monitor the collection process and the proper operation of the terminals.
By the way, before embarking on this interesting and very profitable business, it is worth considering one point in detail. To successfully start any business, you simply need to have a business plan, and a payment terminal is no exception. What does it mean?
You need to be sure to think over an approximate work plan for each of your points. You must understand that if one of them is not able to extract the funds necessary for the payback of the entire enterprise at the first time of work, then others will be able to do it.
It is also important to have a well-thought-out strategy for the development of your business in general. For example, this month you start with three dots. In two months, include three more devices in your network. By the end of the year, you should have a network with more than a dozen terminals.
How much should you invest right away?
You will immediately need to spend a decent amount on the purchase of equipment. We have already told you about its cost before. It is worth adding to the above that the devices intended for installation on the streets may turn out to be the most expensive. This is not at all surprising. As you understand, they must withstand the constant impact of various precipitation and atmospheric phenomena.
Therefore, the equipment is manufactured with an increased level of strength. Such devices, unlike "greenhouse" devices designed for indoor use, can cost up to $9,000. Therefore, weigh everything several times before deciding to purchase. Perhaps it will be beneficial for you to agree with the store administration on the placement of your point, rather than installing it, albeit for a lower rent, on the street (but investing in more expensive devices).
We remind you that there are also free solutions. These include software to service the cash registers. In such a scenario of building a business, you simply will not need to buy terminals.
Monthly expenses
First of all, it's rent. Its cost depends on many factors: the city, the size of the store and its attendance, your individual approach and ability to negotiate. You can install a payment terminal at a favorable price for you, if you paint all the advantages of this point directly for the customers of this store in colors. The management of any trade pavilion or hypermarket will be interested in providing its customers with maximum service.
Systematic replenishment of a certain account - its size depends on the number of your instant payment points at a particular dealer. At the same time, as soon as you have made the necessary payment for the service, it is immediately debited from the special account of the owner of the payment acceptance point and sent to the wallet to the provider of this service. By the way, only thanks to this, the “momentary” payment is ensured.
Internet traffic payment (GPRS). It is different depending on the city and country where you are going to expand your business. However, even with the maximum load, it does not go beyond $30-50.
It is also necessary to single out various deductions in a separate article. These are taxes, and collection services, the work of technical personnel and the work of employees.
How much profit does one payment terminal make?
So, gradually, we approached the answer to one of the most interesting questions. Depending on which service provider (provider, telecom operator) you have, commissions can range from 0.2% to 7% of the payment amount. Not bad, right? There is also a special additional commission. As a rule, the owner of the terminal can charge it from his clients. The amount is not fixed. It may be charged as a certain percentage of the payment made.
self-sufficiency
Now let's talk about when you can get a net profit. Knowing how much the equipment costs, what is the rent for its location, as well as other costs, you can roughly calculate when the payment machines will start working in plus. For example, 3 terminals can pay off in 4 months of work. But this is provided that sufficient population and patency of the place is provided. If this is not the case, then the payment terminal as a business will be less successful.
You can justify investments in 8 months. But again, it all depends on what point it is. If we talk about specific profit from it, then according to information from Kazakhstani businessmen, it is about 35 thousand tenge. Approximately the same figure is given in OSMP. According to them, the instant payment market is currently experiencing rapid growth. That is why terminals for receiving payments pay off on average within a year.
A spoon of tar
However, despite the popularity of this service among the population, business payment terminals in recent times slightly reduced its speed. Experts say that just a couple of years ago, profits were significantly higher than they are today. Today, the owners of instant payment points are content with the profit that at the dawn of the emergence of this field of activity would not suit them.
This business (payment terminals) has lost almost 50% of its profits due to the emergence of fierce competition and the not entirely adequate policy of mobile operators. However, this does not mean that you should not invest in such a business. Of course, now is not the "dawn" of terminals, and you will not be the first, but you can still win a certain niche. The most important thing is not to sit idly by, but to constantly act, find unexpected moves. In this case, such a business (payment terminals) will work for you!
As in any business, here, in order to compete and at the same time constantly expand your network, it is important to work all the time. But what exactly needs to be done in order for your terminal network to bring you profit? And the payment terminal as a business was constantly going uphill? Special attention focus on a few key points:
An increase in the number of your outlets, installation of payment terminals should take place constantly if the funds necessary for this are available.
You should constantly increase the number of your partners in whose favor you will receive payments. This is the point that may depend not only on you, but also on the payment system you have chosen. Here it would be more correct to monitor the activity of this system and if it does not expand the number of its partners for a long time, simply change it to a more successful one.
Constant monitoring of how passable the points are. One of the common failures in this market is connected precisely with the fact that the entrepreneur chooses the wrong place to place the equipment. If the profit has fallen sharply for a long time, then in this case it is better to close the point or move it to a more profitable place. Installing payment terminals in a crowded place will ensure the success of the entire business.
Work on the quality of the service provided. It is possible that this item cannot be directly attributed to the expansion of your network, but in reality it can be very serious.
Summary
Let's summarize. Before starting a business in the field of instant payment, realistically assess your financial capabilities. Then write a business plan. Keep in mind that force majeure is possible, so put some money in reserve for unforeseen events. Next, get the equipment.
If you have a small budget, then give up street terminals in favor of those that are located only on the premises. Now recruit staff and determine the most crowded, but at the same time not very expensive places to place your outlets. You already know how to install a payment terminal in a store. It is necessary to negotiate with the management of the supermarket and agree on the cost. When all contracts are signed, and your "net" is set up, start tracking profitability and get your profit!
Despite the fact that this niche cannot be called new, there are still loopholes for successful entry into the instant payment market, which means that you can earn your million on this simple and interesting business! The most important thing is not to lose heart and not give up under any circumstances. Even if your business does not immediately give the desired result, do not despair and try to find new points for your equipment.
It is possible that new stores will allow you to earn good money. Also keep expanding your business contacts. Perhaps one of the new partners will be able to give you a valuable idea that you can implement, or advise terminals good quality at affordable prices.
Now it is unlikely that anyone will call this business part of the innovations that are constantly being talked about by novice ambitious businessmen, and those who still see themselves in this light in the future. Already not in major cities they have been commonplace for a long time. Nevertheless, it is curious to read online reviews that are now being written about this business by the owners of payment terminals. You can find it on forums dedicated to various types business, in communities in VK.
Feedback from terminal owners
The review is written by a resident of the city of Novosibirsk.
Feedback on important points is written by a native of the city of Yekaterinburg
It is of great importance with which payment system you will cooperate, because the list of service providers will depend on this. large systems that work for a long time, they have the largest set, and the speed of payments is high. There is phone support, which is indicated on the receipt. In case of delays or any other problems, a person can call and resolve issues. It often happens that the tape ends and the check simply does not come out. After such a final problem, you can be sure that a person will never put money in such a machine again.
A resident of the Moscow region talks about the costs and income of the payment terminal
It should be noted that there is little optimism in the reviews. We continue with the opinion of a resident of the city of Rostov-on-Don, a user from a group in social network in contact with.
You need to understand that this business can theoretically pay off in half a year, if you have access to a place for a terminal with sufficient traffic. Here it will be important not only the quantity, but also what kind of contingent. Who has such a place? So, you can be sure that you won't get it for that kind of money to recoup the terminal in at least a year. And this means that either the budget initially needs to be reviewed along with the profitability plan, or to have some kind of administrative resource.
After reading most of the feedback from the owners of the terminals, we can conclude that the business is still relevant, but it no longer has such attractive terms in terms of its payback.
Write your reviews.
Other people's opinions
It's hard to run a business like this. In order to have good turnover and profit, you need to install Not just one such terminal, but many at once. Moreover, it must be borne in mind that they are sometimes subject to repair. Which means you need to hire repairmen. All the nuances that are described in this topic suggest that a company that will work as legal organization rather than as a self-employed person, and have enough funds to get started to make all the necessary investments.
In any case, most of my acquaintances increasingly prefer to use payment terminals rather than stand in long lines to pay a loan or a communal apartment. It's convenient and fast. Now almost every store has one. The only thing is that pensioners will not be able to become regular customers due to age.
Ekaterina V
Ekaterina V, That there is no problem in this. They are simply afraid of them, like all people of what they do not understand. You just need to show how it works once or several times and they all understand perfectly. My grandfather at 80 sat down to master the computer and he succeeds.
Quite a solid business idea, but still there is a lot of competition. As a result, the demand is very high. I think it is quite possible to find places where these terminals are not available in order to install your own and make good money on them.
To install such a terminal, you need to have very good friends or a good investment. I thought about this business. But, I couldn't find a place to put it. And it is best to install such terminals at airports, train stations, shopping centers, and markets. It is also possible to place in sleeping areas, but there will not be a large income.
- Practice shows that the optimal number of payment terminals that will bring the greatest benefit is 4-5. This is due to the fact that such a number of machines can be serviced by one technician so that there are no downtimes for several machines at once in the event of a failure in the operation of one.
- The automata should be placed as closely as possible in relation to each other, but it is not worth sacrificing " passable place", if it is possible to put a machine there, but it will be somewhat distant from the rest.
- The costs of purchasing and installing in the presence of 4-5 machines are beaten off during the first six months. It is impossible to predict the net profit, and very often it depends tritely on the city where the machine is installed. For example, in Klin it is 50-60 thousand per month, in Mytishchi - up to 80 thousand, and in Zaraysk - 35-40 thousand per month.
Currently, this business is no longer so relevant. Firstly, there is too much competition, now even in small towns such terminals are on every corner. Secondly, Internet banks are gaining great popularity, in which all the functionality of the terminal is present, while everything is done without leaving home. So I wouldn't recommend doing it.
Dimcha.k, nothing of the kind, if a rather large layer of people of middle and older ages have mastered the use of terminals, then one should not expect the same success in Internet banking! He is unfamiliar to the vast majority of those "who are for ...". This idea was also confirmed by a friend who owns three payment terminals: according to him, the number of transactions performed has remained approximately the same as 2-3 years ago, only the average payment amounts have slightly decreased, by about 10-20 rubles.
somewhere here already there was a similar topic and there I wrote that this business would no longer be profitable. There are several reasons. The first is that in every city there are a bunch of such terminals on every corner, so the competition is quite high. The second reason is that now any service can be paid for at home via the Internet (through an Internet bank or payment system), and this is much more convenient and faster than through a terminal.
A very costly business, and it seems to me now it is difficult to fit in so as to quickly recoup it.
♦ Capital investments – 180,000 rubles.
♦ Payback – 7–8 months.
Today, there are so many players in the entrepreneurial field that it can sometimes be incredibly difficult to find an empty niche.
Nothing stops people who want to do business: neither the economic crisis, risks, currency fluctuations, difficulties in doing business, volatility of customers, market volatility, and so on.
Now it is really difficult to join the ranks of entrepreneurs.
To do this, you need to find an innovative one that does not require large capital investments. business: payment terminals.
Despite the fact that today many launch such a startup, the demand for the service among customers makes this type of activity attractive.
What are payment terminals as a business?
Today it is difficult to imagine life without payment terminals.
Residents of cities and towns were happy to get rid of long queues at the post office or at the bank to pay utilities, top up a mobile phone account, transfer money to someone, pay for the services of an Internet provider, etc.
Entrepreneurs realized that the population liked the innovations and began to do business on payment terminals.
Today, over a dozen large payment systems operate in Russia, the well-being of which is increased by hundreds or even thousands of terminals.
But these giants, despite all their efforts, failed to monopolize the market.
It still has enough free niches for medium and small players.
The payment terminal, as a business, is beneficial to both participants in the case: both the owner of the box, because it allows him to receive a profit in the amount of 3–6% of the payment amount, and the client, who can pay in a convenient way without standing in queues.
And this type of activity has many advantages that attract entrepreneurs.
Payment terminals - a business with advantages
This kind entrepreneurial activity It is no coincidence that it attracts so many businessmen.You can derive certain benefits from owning a payment terminal:
- Large capital investments are not needed, your biggest expense is the purchase of the equipment itself.
- There is no need to rent huge areas to launch a startup, since the box itself for accepting payments takes up little space.
- You don’t have to spend money on staff salaries, because you can run the business alone.
- There is no complicated registration procedure, and this type of activity is not subject to licensing.
- Mobility.
If you choose the wrong place, you can easily move the box to another area, more promising.
But there are only two serious shortcomings that the “payment terminals” business has:
- ever-increasing level of competition;
- great dependence on the location, and the most tidbits of your city may be occupied by competitors that launched a startup earlier.
Another disadvantage of this business is called vandals, who are happy to break everything they see, but in recent years, shockproof equipment has appeared that is not so easy to break, so this problem no longer scares entrepreneurs so much.
In addition, boxing can be insured against vandalism.
Some useful tips for those who want to do business on payment terminals
Business is a game, the greatest game in the world - if you know how to play it.
Thomas Watson
- According to experts, the growth of this business over the previous year was at the level of 60% and this trend will only increase.
If you are interested in this type of entrepreneurial activity, then now is the time to get started. - The popularity of the payment terminal and, accordingly, your profit depends not so much on advertising company(actually, the only way advertise your boxing - hang an advertising poster or put a cot at the intersection of crowded streets, on one of which the equipment is located), how much from its location.
If you do not choose a high traffic area to place a payment terminal, the business will not bring you the desired profit. - Choose the payment system with which you can pay for all utilities, replenish your mobile account, pay off a loan, transfer money to a bank account, buy a ticket, that is, the one that will provide the maximum number of services.
What you need to do to open a business "payment terminals"?
The algorithm of your actions is quite simple and even beginners in business can do it:
- You register as an individual entrepreneur and legalize your activities (become registered with the Insurance and Pension Fund, choose the form of taxation, etc.).
- Buy a terminal.
- You buy a fixed registrar, with the help of which the Tax Service of the country controls your income.
- You buy or rent an area where you install your box.
- Choose a payment system to conclude an agreement with it and open a personal account.
- Pay a certain amount of advance to your personal account.
- Start accepting payments from the public.
- Check your personal account and, if necessary, replenish the deposit amount.
- At the end of the month, you receive profit in the form of a commission from each payment made and remuneration from the service provider.
- Pay taxes, the amount of which depends on your direct income.
Business calendar plan with payment terminals
Another advantage of business on payment terminals is that the start-up launch period is relatively short: 2-3 months.If you start implementing an idea with already ready business plan, then you can easily manage registration, purchase of equipment, search for a location and conclusion of an agreement in a few months:
| Stage | Jan | Feb | Mar |
|---|---|---|---|
| Registration | |||
| Purchase of equipment | |||
| Concluding an agreement with a payment system, opening an account, making a deposit, etc. | |||
| Installation of equipment on the leased area | |||
| Starting a business |
Business with payment terminals is impossible without a strategic choice of location
As already mentioned, the profitability of your business directly depends on how competently you choose a place to place your payment terminal.It should be:
- premises with high attendance, which work seven days a week: railway stations, supermarkets, entertainment centers, etc.;
- a high traffic street or area if you intend to locate your equipment directly on the street.
In order to place your box, you need to rent or buy just 1 sq. area meter.
It is better not to make rash purchases, but, for starters, limit yourself to renting.
This will help you easily change the location if you made a mistake with the choice.
How to choose the right payment terminal for business?
Everyone knows what a payment terminal looks like.
This is a metal box with a touch screen that accepts banknotes, conducts money transactions and issues a check confirming that the transaction has been completed.
The receipt should be kept because it is a document that will help prove that the money for the service was taken.
In order for the “payment terminals” business to be as efficient as possible, you need to purchase high-quality equipment that will serve you for more than one year.
When choosing a payment terminal, pay attention to:
- that it has the main components: a computer, a printer for checks, a touch screen, a bill acceptor and a acceptor for plastic cards, modem, etc.;
- the presence of anti-vandal coating on the body and touch screen;
- equipment reliability, especially if you want to locate your terminal not indoors, but outdoors;
- software - it should be as easy to use as possible;
- Availability warranty service- the longer its term, the better for you.
Payment system for the terminal
You will not be able to start this business until you conclude a contract with one of the payment systems, thanks to which you will provide various services to the population of your city.With its help, you will also earn from the commissions calculated from each financial transaction.
Basically, payment systems that operate on the Russian market differ only in the list of services provided.
It is better to conclude an agreement with a large system, because in this way you will be able to offer your customers the widest possible range of services, which will positively affect your income.
The largest payment systems in Russia today are: OSMP, e-port and Cyber Plan.
They cover over 70% of the domestic market.
Payment terminal software
It is not enough just to buy equipment.
You still have to purchase software, on which the uninterrupted operation of the equipment actually depends.
You should not save on it and look for an unlicensed product.
Firstly, it is illegal, and secondly, stolen programs will never work as well as licensed ones, and you will have to spend money on reinstallation.
Today, many companies selling payment terminals offer to purchase software as well.
They meet the needs of buyers, so they give the opportunity to test the product before buying, distributing demo versions.
Companies that have been operating on the market for a long time and have won the trust of customers are: OSMP, ROC, AUTO-PAY, ASPB and others.
About the advantages of business at the terminals
the following video explains:
How much does it cost to open a business like payment terminals?
The business with payment terminals is one of those start-ups that do not require huge funds to open.If you have 200,000 rubles, then you can safely look for a place to place the first box, gradually increasing their number in the city as profits increase.
You also expect monthly equipment maintenance costs in the amount of 16,000 rubles:
Owning a payment terminal will not bring you huge profits, but it will allow you to earn good money without much straining at the same time.
Your profit depends on the number of customers who will make payments daily, and on the amount of these same payments.
Let's try to calculate the monthly profit of the terminal, provided that 70 clients make payments in the amount of 400 rubles per day (these are average indicators, because someone will replenish a mobile account by 100 rubles, and someone will pay utility bills in the amount of 1,500 rubles ).
At the same time, your commission for using the terminal is 3%, and the remuneration from the service provider is 2% of the total amount.
We subtract 16,000 rubles, which will be spent on equipment maintenance, and we get 26,000 rubles of net profit.
If from 840,000 rubles working capital that will pass through your box, we will deduct 5% (2% + 3% - the amount of your rewards), then we will get 42,000 rubles.
With such indicators, you will be able to return capital investments in 7–8 months.
If you put your box in a place with high traffic, then the amount of daily and monthly revenue will be much higher.
Accordingly, if over time you place 6–7 terminals around the city, you can boast of a high monthly income.
All of the above indicates that at any time you can find a promising and profitable business. Payment terminals- one of them.
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