Payment terminals have long become an integral part of the interior of shopping centers, underground passages, railway stations, airports and other places. mass gathering of people. The payment terminal business has grown rapidly over the past decade. In 2015, the total volume of payments exceeded 1.2 trillion. rubles. The profit from this type of business amounted to more than 25 billion rubles. Payment terminals as a business are especially interesting because it does not require large investments, permits to start, and it is accessible to small groups of people and even individuals. Earning $ 1000-1500 per month is real even in small towns and small sizes networks.
What do you need to start a business on payment terminals?
Register as a sole trader. If you are not starting a business alone, then any form of doing business will do - LLC, OJSC, etc.
You should carefully consider the choice of OKVED code (business classification code). Your contributions to social funds depend on this code. Most often it is recommended to use the code 72.60 - other activities related to the use computer science and information technologies.
Buy 1-5 payment terminals (they are also called touch kiosks). The price for new equipment is in the range of 80-160 thousand rubles. Used devices will cost about half as much. You can also take a new terminal on lease for 1-2 years (the initial payment is usually 30% of its cost).
Make a deposit at the bank. The estimated minimum deposit amount for the operation of one kiosk is 40-150 thousand rubles. This is the amount you will be able to receive payments. After the exhaustion of this amount, payment by the client is not possible until you replenish the deposit from the funds contributed by the payers.
Conclude a lease agreement for the installation of the terminal. The cost of such a contract depends very much on the location. In large cities, the cost of renting in crowded places reaches 8,000 rubles per month. But even in big cities you can find places with high attendance and a rental price of 1000-2000 rubles. per month.
Select a payment system and connect a terminal to it. The most common are E-PORT, DELTA, OSMP and CYBERPLAT. Open a special account.
How much can you earn in business on payment terminals?
Earnings in this type of business very much depend on the location of the "point" and can reach 30-40 thousand rubles. on one terminal. Income grows with an increase in the number of “points”, since the unsuccessful location of some is easily compensated by the income of others. The mobility of this business allows you to quickly change the location of "points" and minimize losses from failures.
Read also: How much does the coffee machine business bring in
Consider typical situations (amounts are rounded, indicated in rubles).
Situation one
- Medium starting investments(the cost of one terminal is 120,000 rubles and a deposit of 200,000 rubles) and three points in places with average attendance (a medium-sized supermarket).
- Average payment - 300 rubles. (the average for Russia is 270 rubles, but tends to grow).
- The number of payers per day is 30.
- Commission -5%.
- Working days per month - 30.
Total turnover per month - 810000. Income of the owner of payment terminals - 40500.
- The rental price is 7500.
- Additional expenses (printer paper, communication fee, insurance, etc.) - 5000.
- Additional income (remuneration from the payment system for making payments, advertising, etc.) - 4000.
- Taxes - 2500.
Net profit from the business at the payment terminal per month 29500 rubles. With the cost of new equipment 120,000 rubles. payback period will be about one year.
Situation two
- Average initial investment (the cost of one terminal is 120,000 rubles and a deposit of 300,000 rubles) and three points in places with high traffic (supermarket large area or train station).
- The average payment is 300.
- The number of payers per day is 60.
- Commission - 5%.
- Days of work per month - 30
Total turnover per month - 1620000. Income of the owner of payment terminals - 81000.
- The rental price is 15000.
- Additional expenses (printer paper, communication fee, insurance, etc.) - 8000.
- Additional income (remuneration from the payment system for making payments, advertising, etc.) - 8000.
- Taxes - 4000.
Net profit from business at payment terminals per month 62,000 rubles. With the cost of new equipment 120,000 rubles. payback period will be less than six months.
Advantages of business on payment terminals.
In addition to small initial investments, a payment terminal as a business is interesting in that it is mobile, as a rule, does not require systematic maintenance and the involvement of support staff. A network of 3-7 units can be maintained independently. The income from this type of business is quite stable and is not seasonal.
Idea from an “experienced businessman”: “I live in the suburbs. At the end of 2014, he installed a terminal for receiving payments near the gate of his house. I entered the coordinates of all utilities in our area and set a commission for paying utility bills of 2% (for mobile communications and internet 6%). The elderly are very comfortable. Now my income is more than 10 thousand per month. At the same time, more than half of the payment for housing and communal services. Not God knows what, but enough for gasoline. I don’t sweat and I count money.”
Pitfalls in the business at payment terminals.
You should be very careful when choosing a location for installing equipment. As a rule, in crowded places there are already such devices. See how many customers per hour one "point" serves. It is good to take measurements at different times of the day. If possible, estimate the average payment amount. The same should be done if there are no payment terminals in the place you have chosen (evaluate a similar point). Evaluate the quality of mobile communication in your chosen location. Ask about the cost of rent. It is easiest to install the rack on the street, but taking into account climatic conditions Russia and the danger of vandalism, such a solution is rarely successful. Quite successful is the installation of equipment in student hostels and universities. Youth is the target group of business on payment terminals. If possible, you should avoid installing a terminal near the equipment of large banks, as payers, as a rule, prefer to pay to “their bank”.
Payment terminal is a hardware and software complex offline self-service providing payment acceptance from individuals in favor of any organizations, for example, replenishment of the balance of a mobile operator, payment for housing and communal services, payment of traffic police fines, transferring money to electronic wallets, etc. Business on payment terminals is characterized by minimal participation of the owner and the ability to manage the terminal via the Internet.
According to the code directory, such a business belongs to the column “Other activities using computer technology and information technology”, it can be organized by both one person and a commercial organization.
The general sequence of actions when opening a business with payment terminals (payment terminal) is:
- purchase of one or more devices (or their rental);
- installation of terminals in a good place;
- their maintenance and profit.
Choosing and buying a payment terminal
The choice of a company that sells payment terminals plays a significant role, since each of them may have its own conditions under the contract, more or less beneficial to the installer of the device. It is worth reading several offers in advance in order to choose the best one.
When choosing a payment terminal, it is worth planning its installation location in advance: will it be outdoors or indoors. Devices installed outdoors must be more resistant to temperature extremes and looters, therefore, as a rule, they are much more expensive.
After purchasing a payment device, it is important to insure it, business at terminals without insurance is at risk, since mechanical breakdowns and malfunctions are not uncommon, robberies also occur. Studying insurance programs various companies to choose the best is also an important point of this business, it can affect the amount of the final profit.
Choosing a place to install a payment terminal
Choosing the location of the machine provides 90% success. You need to be prepared that installing the device without paying rent is already enough a rare thing and is usually possible only in places where there is little human flow. This means that the payback of its lease or purchase will be minimal. It is better to find a place with high traffic, although you will have to pay some money for this, perhaps a lot.
It is worth considering the fact that in many crowded places there are already competitors' machines, which means that when installing another one, the total profit of such a place will be distributed among all market participants at this point.
Sometimes it seems that the abundance of competitors does not make it possible to promote a business, but now new residential buildings and entire neighborhoods are being actively built and populated, shops are constantly opening and shopping centers. Therefore, with sufficient perseverance, you can find many points with high attendance and not yet equipped with payment terminals.
What makes up profit
The owner of the payment terminal receives from 1.5 to 7% (in some cases up to 10%) from each operation carried out on it. The final profit is the sum of this amount minus the rent, the cost of the cash collection service, extracting and delivering cash, and the cost of consumable operations (replacement of a check tape, repair). As a rule, cash collectors withdraw funds once every two to four days, depending on the speed of filling the bill acceptor. Of course, you can save on this service and extract funds yourself, but this approach is associated with a certain risk.
Experienced entrepreneurs and experts in the field of terminals recommend purchasing not one, but several machines at once for business development, in which case the profit will come much earlier. And if one of the terminals was not installed very well, the profit of the others will cover its losses. When there are several payment devices, then business on the terminals can be conducted remotely through automatic system: to study the patency of installation sites, the amount of income, the frequency of breakdowns, etc. The study of statistics allows you to determine how successfully the installation site was chosen. Payment terminals may well be a great start for business development.
For those who prefer to receive passive income, suitable view activity is the installation of equipment for money transfers. Payment terminal as a business: profitability, owner reviews, pros and cons of the project.
Competition in the field of financial self-service of the population is high, especially in metropolitan areas. Payment terminals are found at every step, through them replenish accounts for mobile communications, for the Internet, television and much more. It is convenient, you do not need to stand in lines, the commission is usually charged insignificant.
Principle of operation
Payment terminal - programmed equipment for making various money transfers in self-service mode. The device is installed outdoors or indoors.
The terminal has a display with a menu through which the payer selects the desired service, enters the payment details and the amount. The program processes the request, checks the data and offers to make a payment, for which you need to insert banknotes one by one into a special hole.
If the built-in equipment detects banknotes as non-compliant, it returns them. After the entire amount is paid, the screen displays: "Pay". After pressing the button, the transfer is made and the terminal issues a check to the user.
Transaction data is transmitted via the Internet to the server of the payment system and then to the device of the recipient of money. If the details were entered incorrectly or there was a processing failure, then the payment will not be received as intended. In this case, the user needs to contact the technical support servicing the terminals.
For payment acceptance services, a commission is charged in a fixed amount or as a percentage of the transfer amount. The user sees on the monitor both amounts - which will go to his account and which will be taken by the terminal service.
Technical device
The design of a modern payment kiosk consists of:
- corps;
- computer with software;
- touch screen, equipped with shock protection;
- devices for accepting banknotes;
- fiscal registrar;
- GPRS modem;
- antennas;
- timer to control the operation of the system.
The complex additionally includes a receiver bank cards, barcode reader, memory card processor.
Business plan
To start a business with payment terminals, you first need to draw up a business plan:
- Concept definition.
- Company registration.
- Choosing a place to install the terminal.
- Purchase of equipment.
- Conclusion of an agreement with the payment system.
- Organization of technical and customer support.
- Economic calculations.
Concept
Before starting a business on payment terminals, you need to form a strategy for doing your business. The answers to the following questions will help you decide:
- install one or more devices;
- buy or rent;
- what services to focus on;
- work alone or with partners;
- do your business or buy a franchise.
Much depends on the availability of start-up capital, it is also necessary to keep in mind the pitfalls of this entrepreneurial activity:
- Terminals are often disabled by hooligans and hackers.
- Models of devices quickly become obsolete morally.
- Good locations are occupied by competitors.
- Payment systems work on a prepaid basis.
- Terminals often need maintenance.
When the main concept of the project is developed, proceed to documentation.
Registration
To operate legally, you need to obtain the status individual entrepreneur or legal entity. When opening a small business, it is enough to register an IP. If a large terminal network is planned in cooperation with partners, then it is better to create an LLC.
Special permits, licenses and approvals from supervisory authorities for organizing the operation of payment terminals are not provided for in the legislation. This business is different from others.
Location
Key moment for the success of the enterprise - the choice of a place for installing payment terminals. The list of the most profitable points, judging by the reviews of experienced owners:
- supermarkets;
- shopping and entertainment centers;
- universities;
- airports, train stations, stations;
- hospitals;
- public transport stops;
- places Catering;
- large enterprises;
- crowded streets.
The main criterion is high traffic, although you can find terminals anywhere, even in small “home” shops, which means it is beneficial for owners.
To install equipment, you need to rent 1 sq. m of area with access to the mains. Even if the choice turned out to be unsuccessful, or the market situation has changed, revenues have fallen, there is always the opportunity to transport the terminal to more appropriate place.
With the tenant are calculated in a fixed amount or as a percentage of sales. The second option is more profitable for small amounts of revenue.
Purchase of equipment
There are several options for purchasing payment terminals for business:
- Buy.
- Rent.
- New equipment.
- Used devices.
Present on the market a large number of models for outdoor and indoor installations. Manufacturers are constantly developing and releasing improved equipment with new features. When making a choice between price and quality, you need to remember that customers trust new modern devices more.
Although it is possible to rent or borrow a used terminal, if it has been maintained in good condition, it has not been subjected to negative impacts and it contains the required services.
In any case, before making a deal, you should study technical documentation, reviews and test all system equipment. It is better to give preference to models with anti-vandal protection and warranty period from a year.
Suppliers offer free installation and commissioning of equipment, subject to the purchase of several pieces at the same time.
Terminals are supplied with or without customized software. In the second case, you need to purchase software, preferably licensed, which guarantees stability.
Agreement with the payment system
In Russia, there are about twenty systems for transferring payments in the terminal business. Among the leaders:
- Kiwi (QIWI). It has been operating since 2004 and allows you to pay for the services of more than 50,000 companies.
- Pinpay Express. Provides free connection and commission payments.
- 15 years in the payment systems market, financially supports agents.
- First Russian company, makes budgetary payments.
- It operates in 60 regions, serves about 1000 providers.
- City payment system.
For reliability, it is better for the owner of the terminals to enter into an agreement with several systems simultaneously. Cooperation options:
- Direct contact with the company.
- Agreement with a payment system dealer.
- Work with an intermediary of several payment systems.
- Make payments through Internet banking.
It is unlikely that a novice entrepreneur will be able to conclude an agreement directly with the parent company, although this is the most profitable option. Therefore, when working with intermediaries, you need to choose agents that have been on the market for a long time with a good reputation and acceptable commissions.
Maintenance
When preparatory stages completed, the payment kiosk is installed and put into operation, the entrepreneur has to solve 2 problems:
- service maintenance technology;
- settlement of client issues.
If the number of terminals does not exceed 5 pieces or they are located close to each other, then technical support can really be carried out independently:
- Inspect equipment daily for dirt and damage.
- Regularly empty bins and remove trash near the terminal.
- Change check tape and make collection.
If there are a dozen or more payment kiosks in the business, especially those located in different parts of the city, then you will have to hire an assistant and pay him wages.
In case of serious breakdowns and software failures, you need to contact the technical support of the equipment supplier. Without special education, it is better not to try to fix the terminal.
Customer Support
When transferring money, conflict situations are inevitable, so the equipment must contain information for feedback, usually this is a phone number. Who will be doing contentious issues, the owner or another person, you need to decide in advance.
The most unpleasant case is when the client made a payment, but the amount was not credited to his account, or turned out to be less than that indicated in the check. It happens by different reasons:
- System failure. It is necessary to find out at what level the problem occurred - the equipment supplier, the payment network or the service provider. Then try to resolve the issue peacefully, and if not, then involve lawyers in the case.
- Fraudulent user activity. If it turns out that the client wanted to obtain benefits illegally, then it is necessary to file a complaint with the police.
According to statistics, such situations occur infrequently, but it is necessary to have a ready-made algorithm for resolving them.
Economic calculations
To determine the amount of investment, as well as whether it is worth investing in the field of terminals, you need to make a calculation of expenses and income.
Necessary costs to launch a business of 5 used payment kiosks, which the entrepreneur himself will serve:
According to experts, it is unprofitable to install less than 5 pieces, and the owner will cope with the maintenance of such a quantity of equipment on his own. If you buy more devices, then you need another specialist to maintain performance, which means an increase in the cost of wages and taxes.
Monthly business expenses:
A network of 5 devices will bring to the owner:
Profit per month will be 42,500 rubles, investments will pay off in 9 months, profitability - 45%. If in the future the entrepreneur expands the business and opens a network of payment kiosks, then income will increase.
Video: payment terminals as a business idea.
A payment terminal is a device that is familiar to everyone. It is through him that various services are paid, accounts are replenished mobile phones and conduct various monetary transactions. And business on payment terminals can be very profitable if you take into account all the secrets of such work.
How it works?
The first thing that is required from the business owner is to purchase terminals with certain functions and choose their locations. All places must be "passing" - than more people passes by, the more opportunities to earn. The ideal option placements are, for example:
- super and hypermarkets
- Metro stations
- shopping centers
- entertainment centers
- big fast food restaurants
To start your business on payment terminals, you need to negotiate with the owners of these areas, and, of course, you need to do this only after you have registered your own business. In this case, you will be able to act legally and be able to conclude official contracts. Your main argument for the landlord is that he gets the opportunity to offer his customers an additional service and at the same time earn on rent. You will pay for this rent (the cost depends on the amount of space occupied), in return receiving a good profit.
How much can you earn on the terminals?
Your income will directly depend on the functions of the aggregate (the more there are, the higher the likelihood that passers-by will want to use it), as well as on how much the payment terminal earns. The greatest profit is brought by devices that allow:
- pay mobile phone bills and purchase vouchers to recharge them
- pay for internet service providers
- pay utility bills
- conduct transactions with electronic wallets of various payment systems
At the same time, your earnings depend on the commission that you set for using the terminal - usually it is 3-3.5% of the payment amount, but in remote regions you can set more high interest. In total, one device can generate daily income in the amount of 20-30 thousand rubles - that's how much you can earn on commission alone. At the same time, you will spend a certain part of this amount on servicing the unit - you will need to eliminate all breakdowns and change the cash register.
How much do you need to invest in a business on payment terminals?
Regardless of how much the payment terminal of your chosen type earns, you will have to additionally provide yourself with a steady income. Your main task is to have an account with a certain amount, from which payments made by users will be debited. The organization providing the service must receive payment from customers instantly, so the indicated amounts will be taken from you first, and you can return them later when you collect the money received in the device. The amounts you need to deposit into your account may vary depending on what services you plan to provide and how many devices you serve. And, of course, do not forget to replenish your deposit regularly.
Another major expense item is the cost of the units themselves. Regardless of how much you can earn from terminals in your locality, you should try to offer customers only the highest quality devices that work smoothly and are very reliable. One such terminal costs 50-55 thousand rubles (minimum). You need to get at least 3-4 cars to secure a stable income.
In addition to these expenses, you will also have to pay for:
- rent - standard option 30-35 thousand rubles for one point
- connecting the unit to the Internet, cash collection, power supply - 20-30 thousand rubles for 1 terminal
- device fire insurance - 1.5% of the cost of the device
- taxes - the amount depends on your profit and the taxation system you choose
In general, be prepared to spend at least 500-600 thousand rubles on a network of 3-4 terminals (not counting the money that you deposit into your account). At the same time, part of the initial expenses will be regular: you will pay monthly for rent, electricity and insurance. However, such expenses can pay off quickly enough. If you create successful business on payment terminals, in six months you will be able to return the lion's share of your investment. And if you regularly develop your network, success will come even earlier, and the income will always be very large.
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 large cities, they have become 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 about important points writes 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 their 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.
- Machine guns should be placed as closely as possible in relation to each other, but at the same time, you should not sacrifice a "passable place" if it is possible to put a machine gun 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 within 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.
there was already a similar topic somewhere here and there I wrote that this business is no longer 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.
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