Business on payment terminals, business advantages, starting investments

At the beginning of their advent, payment terminals looked like a gold mine. They multiplied and filled the empty niches. The times of easy profits are over, but the business remains and is growing. Those who are not lazy and are willing to spend money at the start to launch 3-4 terminals can count on a refund within six months. Terminal owners face intense competition. It is necessary to monitor trends in the service market and respond to client requests. Technologies for online payments and Internet banking are constantly evolving. New models of equipment and technologies are emerging. The ability to keep up with progress is the key to a profitable business.

Is it possible to make money on payment terminals: how profitable is the business?

Payment terminals have become commonplace. You will notice them everywhere, they are everywhere. Even in sparsely populated corners, in a village store or at a stop where passengers are waiting for the train, you meet indispensable remote payment assistants. Looking at them, you understand that if they stand, it means there is a benefit. The illusion of easy money arises. I bought a terminal, signed an agreement, connected to the system, began providing services and calculating commissions.

Payment terminals can be found at every step

The scheme is correct, but this relatively new type of business has nuances and pitfalls. Many disappointed entrepreneurs wander from forum to forum and talk about failure, losses and complain about the complexity of the business. Meanwhile, their successful colleagues keep quiet and buy new equipment to develop a range of services. The example of the latter is inspiring, but when taking the first step, you should assess the risks and decide for yourself how profitable this venture is.

Possible risks

There are many risks, as in any business project:

Terminals are a complex electronic device that contains mechanical components and computer hardware with software. The failure of one element leads to the failure of the entire system.
The operation of the terminal depends on uninterrupted power supply, the reliability of the cellular operator and the Internet provider.
Terminals are targets of attacks by vandals, scammers and hackers. Some try to make payments without paying, others try to open bill acceptors, others, out of hooligan motives, break equipment, break screens, and stuff garbage and foreign objects into slots for accepting money and bank cards.
Terminals require maintenance: carrying out cash collection, refilling the cash register tape, sanitary cleaning, scheduled and technological checks of the operation of mechanical components and software reliability.
A busy place where the terminal regularly generated income may eventually turn out to be sparsely populated.
The owner of the premises with whom the site rental agreement has been concluded may not renew the agreement or may impose additional requirements.
Terminals become obsolete before they reach the end of their lifespan. Every year new models with better characteristics appear.
Unfair competition from entrepreneurs with administrative resources.

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Advantages

There is no business without risk. You need to be prepared for this. Hundreds of terminal owners cope with the difficulties and difficulties that come their way. When you know what risks await, they can be anticipated and managed. The benefits of doing business with payment terminals significantly outweigh the risks because:

Modern terminals are reliable. The main costs go towards purchase and installation, after which the terminal generates a stable income at minimal costs.
The terminal can be rented or purchased through leasing.
The population is accustomed to using terminals and prefers to go to them rather than to the bank’s cash desk.
If necessary, the terminal can be moved to another convenient location or sold. There is a steady demand for used terminals.
Managing a network of 4–5 terminals is not difficult for an inexperienced entrepreneur taking his first steps in business.

Having returned the initial investment, which will happen in about six months, the entrepreneur will gain invaluable experience and will be able to determine to what extent he can expand his business or decide to diversify. For example, it will begin to develop adjacent service markets in vending machines, coffee machines, etc.

Business startup with payment terminals

Payment terminals are a profitable business. Together, they form a network of devices, the quality of which requires constant maintenance. By the way, we have previously looked at the vending business, in particular the coffee vending business.

At the initial stage of opening such a business, minimal effort will be required from the owner.

Business with payment terminals is profitable for the following reasons:

It is not necessary to have special skills, abilities or years of experience;
able to carry out similar activities alone and maintain up to five devices;
the owner will not be required to have a license to install and maintain terminals.

All you need to get started is registration as an individual entrepreneur (you can also apply for registration today via the Internet).

Where to start: required documents

It is not difficult for a legal entity or individual entrepreneur to take the first step. Installation of terminals does not require licensing. An individual will have to spend part of his time registering a business. If you plan to install no more than 5 terminals, then an individual entrepreneur is quite suitable for this purpose, especially since such enterprises have various forms of taxation: 6% on imputed income (“imputed”), 15% on profit (“simplified”), purchase of a patent for a year.

Attention! Do you want to know how to minimize risks when starting a business? We'll tell you the main points -

Any of the three options allows you to optimize taxes to a level below 13%, which is charged on the income of individuals. So, the following stages lie ahead:

Registration of an individual entrepreneur (apply with a passport and an application to the tax service and pay 800 rubles in state fees).
Renting a place.
Purchase and adjustment of equipment.
Concluding agreements with payment systems, cellular operators and Internet providers.
Drawing up partnership agreements with organizations in whose favor payments will be accepted.
Conclusion of a collection agreement.
Organization of terminal maintenance.
Organizing customer feedback to resolve controversial issues.

The last two points are very important. There are many payment terminals; reputation in the service market is the key to stable operation. Customers will not return to the terminal where the payment failed. Or they will simply pass by if the terminal looks unkempt in appearance.

Business plan for payment terminals

Recently, people are increasingly paying for services using payment terminals.
This includes payment for utilities, Internet, mobile, and cable TV services. Installing your own terminal can be a very profitable investment.

The costs of starting a business do not exceed 1,000,000 rubles, and the relatively small cost of the machine will pay for itself within the first few months.

What is the business?

The business of installing payment terminals is far from new. Its essence comes down to the installation of special terminals that accept various types of payments without human intervention. In this case, the owner’s income consists of a commission for accepting payments and bonuses from companies accepting them.

Today, entering a business requires considerable effort, since in all major cities the niche has long been occupied. Even if you install your own machine, the competition will be too high to make really big money. The most successful business is in small towns and regional centers.

Where to begin?

It is necessary to start organizing a business by registering as an individual entrepreneur or LLC. To do this, just contact the INFS office with a package of papers and a receipt for payment of the state duty.

Equipment purchase

After registering a legal entity, you can start purchasing equipment. The device itself consists of several parts:

computer;
touch display;
bill acceptor;
uninterruptible power supply;
timer;
modem;
thermal printer.

When choosing a device, pay special attention to the following details:

The size of the bill acceptor. Ideally, it should be designed for 1,500 – 2,000 bills. This will allow you to collect the device less frequently.
The thermal printer must be from a reputable manufacturer and designed for a large roll of paper.
The case and display must be shock-resistant.
The watchdog timer must be working properly.
The software is stable and intuitive.
Availability of equipment warranty.
Good timer.

Selecting a payment system

After purchasing a terminal, you must select a payment system and enter into an agency agreement with it. At the same time, pay attention to the commission that the system requests and the list of providers with whom work is supported.

After you conclude an agreement, you need to top up your wallet or account in the payment system with a certain amount.

It is worth considering that when a person uses your terminal, the amount entered by him is debited from your wallet and transferred to the recipient’s account.

Therefore, you need to top up your account with at least 100,000 rubles.

Choosing a location for the terminal

The next step in starting a business is choosing a location. The most successful options:

shopping centers;
supermarkets;
train and metro stations;
Universities;
airports;
hospitals.

In general, any place with more or less good traffic can be successful. The following factors must also be taken into account:

It is advisable to install the machine indoors. This will significantly reduce the risk of vandalism and damage.
There should be a 220V socket near the machine.
You must have coverage from your chosen Internet provider.
The size of the installation space is about 1 square meter.

Let's register

Despite the fact that you do not need additional licenses or permits to run a business, you will still have to register with the central service center and the Federal Tax Service to register as a fiscal registrar. Otherwise, you will face a fine.

Internet and terminal installation

The last thing you need to do is purchase a card for mobile Internet. The terminal requirements are often minimal, so even the weakest and cheapest provider will be enough. The main thing is to provide unlimited access to the network.

After installing and activating the package, you can install the terminal itself and connect it. And, of course, wait for the first clients.

Cost item when starting a business

Let's look at the main expenses for starting a business:

Purchase of a terminal – 70,000 – 100,000 rubles for 1 terminal.
Purchase of printer ribbon – 200 rubles per ribbon.
Connecting to a mobile operator and paying for the Internet per month – 500 – 700 rubles.
Rent of space – 1,000 – 2,000 rubles in medium-sized cities. In a metropolis, the cost can reach 5,000 rubles.
Payment for electricity – 500 – 800 rubles per month.
Paperwork (individual entrepreneur, insurance) – 1,000 – 2,000 rubles.

Let’s immediately add that you will have to additionally spend from 100,000 to 500,000 rubles to replenish your electronic wallet in the payment system. At the initial stage, a minimum amount will be enough.

Profit

A few words about business profitability. On average, profit consists of two items:

Internal profit , which depends on the commission established by the payment system.
External profit , which depends directly on you. It depends on two factors:

The fee you specify for payments. On average, this is 5 – 7% of the replenishment amount;
Availability of an advertising block. To do this, you can enter into an agreement with advertising companies or find advertisers yourself. Please note that the more terminals you have, the higher the cost of advertising, and the more willing advertisers will be to cooperate with you.

Useful tips

Start a business by installing several terminals. You don’t have to buy them - you can lease them. Often, you only need to pay about 30% of the cost, the rest of the amount is paid over several months or years.
Be sure to insure your terminal. This will help you get your money back if the machine is damaged.
Conduct collections every 2–4 days. Otherwise, your terminal may be clogged with money and not accept transactions.
Check the tape periodically. If the machine stops issuing receipts, your customers will no longer want to use the machine's services.
Carry out technical inspections, find and correct problems with the machine in a timely manner.

Pros and cons of business

Let's look at the main advantages and disadvantages of this type of business.

Advantages:

Mobility. At any time you can transport the machine to another location.
No license required.
You can service it yourself. It is enough to have basic skills in working with equipment and computers.
Minimum area for installing the device.
No significant capital required.
Constant income from 15,000 rubles per month from one point.

Minuses:

Income largely depends on location.
There may be cases of vandalism.
A large number of competitors in large cities.
Some terminals do not contain cash registers.

: Payment terminals as a business

You can learn more about the features of doing business on payment terminals from the video we presented below. Issues such as choosing a terminal and a place for its installation, concluding an agreement with a payment system, and components of an entrepreneur’s income are considered:

Business on payment terminals is one of the most profitable, and at the same time low-cost. By investing only half a million - a million rubles, in just a few months you can receive an income of several hundred thousand rubles.

Source: https://moyaidea.ru/biznes-na-platezhnyh-terminalah.html

Equipment selection

The demand for terminals stimulated manufacturers. My eyes widen at the proposals. Common sense dictates choosing the latest equipment. But it will cost more, and it is difficult to find reviews for it, because it has only been used recently. There are no ideal models, just as there are no absolutely bad ones among those that have served their intended purpose for many years. The minimum set of components in a payment terminal is as follows:

banknote acceptance device;
screen with touch control and anti-vandal coating;
a cash register printer with a fiscal registrar function that prints and issues payment receipts;
modems providing cellular communications and Internet connections;
alarm and emergency signaling;
slot with a bank card reader;
Barcode Scanner.

More advanced terminals provide display of advertising or television images, information and legal assistance in the form of text and voice guidance, communication with an operator and other useful customer service functions. But the more complex the device, the more demanding it is in terms of care and maintenance.

Before purchasing, be sure to check the terminal

On thematic forums and classifieds sites there are many offers for the purchase of used equipment. Almost new terminals that have served for several months are sold several times cheaper compared to prices in catalogs from manufacturers and distributors. There is no single rule on this matter. The purchase may turn out to be successful or, conversely, a waste of money. A beginner should be careful and not spend money without consulting with experts.

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Selecting a payment system

It is very important to write down in your payment business organization plan the choice of payment system with which your machine will operate. It is through the payment system that you will receive your commissions from payments. Different systems differ in the proposed list of service providers that are being maintained. Today, only 3 systems (e-port, Cyber Plan and OSMP) cover 75% of the entire instant payment market in Russia with their services.

Pros and cons of payment business

Advantages of payment terminals for business:

the plan for such a business is not difficult to calculate;
it does not require significant investments;
does not require employees;
not subject to licensing;
the terminal can be placed in a small area;
mobility.

The disadvantages of the payment terminal business include:

significant location dependence;
high degree of competition;
vandalism of equipment.

Forecasts in the field of payment business development

According to the results of the study, the annual growth in the development of payment terminals in the markets of different regions of Russia is 30-80%. The most popular services are payments for mobile communications, cable television and electronic communications. Recently, terminals are increasingly being used to top up bank cards, pay utility bills and landline telephone payments. It is important that the payment system that you have included in your business plan includes services for paying all utility bills, consumer loans, all types of communications, selling travel tickets and other services relevant to the location of the terminal.

How to choose a location for the terminal

The terminal is designed to serve customers; its profitability depends on how many times and for what amount payments are made. The more often it is used, the more money it will bring to the owner. In Moscow, there are an average of 1,000 people per terminal; figures vary in regions. There is cunning and deceit in the average numbers, but you can focus on them. If, for example, at the place of residence of an entrepreneur there are 4,000 residents per terminal, this is a clear sign that the payment services market has not been developed and there are empty niches.

Even if it seems that all the convenient places are occupied by other entrepreneurs, you can always find an unoccupied area. You should go around and look at the flow of people in crowded places:

shopping and business centers;
train stations, airports, bus and railway stations;
educational institutions, leisure facilities for the population;
medical institutions;
underground passages and public transport stops;
places of traditional holding of public events.

What are the benefits of terminals? With your mobility. They can be transported and installed at another point if the need arises. By being flexible, an entrepreneur can move terminals to areas where the number of potential customers is expected to increase.

Business payment terminals

Uninterruptible power supply device (a necessary thing where there are constant power outages; after a power outage, the device continues to work for about 30 minutes)
Modem for 3 types of SIM cards (necessary to eliminate interruptions in the Internet connection)
Coin acceptor (necessary for paying with coins, in 90% of cases it is not necessary)
Additional monitor (advertises services, you can also run advertisements for a fee. It makes sense to install only on a network of devices from 50 and above)
Vandal-proof case with secure locks (if you want to open it, nothing will help)
A safe in which a cassette with money is placed (90% will save you from money theft, not all manufacturers can place it)
Boosted antenna (strengthens network signal reception)

New payment terminals or BU?

In my opinion, paying money for new equipment today is simply not practical. There are many offers on the market for the sale of used devices.

Buying payment terminals will not be difficult.

Moreover, various companies are leaving this market and selling equipment for almost 10% of its cost.

Required documents

First of all, you need to register a Legal Entity or Individual Entrepreneur. Without registered documents, this type of business will not be possible, even at the initial stage. If you are planning a network of payment terminals, then it is better to immediately open an LLC.

Small networks of up to 10 devices are suitable for individual entrepreneurs. The form of taxation that you should choose when registering is a simplified form of income minus expenses.

You will also have to open a bank account, and a specialized account specifically for this type of business.

How the business works

The terminal business is structured as follows. You enter into an agreement with the payment system, place an amount of money on deposit with the payment system N, within the framework of this amount, your devices will accept money from the public. I have clearly depicted this in the diagram.

The client pays through your terminal, say 100 rubles, the commission is set at 5%, the information is transmitted online to your payment system.

It automatically debits 95 rubles from your deposit and sends them to the service provider, in our case exactly 95 rubles. The client receives a check and leaves satisfied.

Choosing an installation location

You should approach the choice of installation location for your equipment very responsibly. Your income will depend on the correct installation location.

It is generally accepted that the most popular places for installation are grocery stores, shopping centers, and other places with high traffic. But in practice, many terminal users already know that until you install it, you won’t know.

There are places with crazy traffic, but for some reason very few people use the terminal there, and sometimes there seem to be no people, but the income is very solid and it’s unclear where the clients come from in this place.

Therefore, there is only one conclusion: you need to try and try. Place in different places, castling, and constantly search for new places.

Selecting a payment system

50% of the success of your business will depend on the correct choice of payment system.

It is worth paying attention to the number of providers for whose benefit the system can accept payments.

The more providers the system has, the greater the chances that the client will be able to pay from you exactly what he needs.

The flexibility of the payment system also plays a very important role. Will they be able to connect the provider that you need? Or make technical specifications according to your instructions, which is also quite common in this business.

Also, the payment system pays you a reward for accepting payments. Basically it is from 0.5 to 1.5% depending on the specific provider. This is also worth paying attention to.

How much can you earn and what are the costs?

One payment terminal can bring the owner approximately 7-10 thousand rubles. If the income is less, then it is worth moving it to another installation location.

Costs include

The rent for placing a terminal is on average 0-15 thousand, depending on the location.
Service on average 2000 per device
Collection depends on the partner bank on average 300 rubles
Other expenses 1000 rubles

The most significant expense item in this business is the rental of space for placing equipment. But don’t forget that you can agree on terms without rent at all. Of course, such places won’t be great, but as practice shows, sometimes they work out very well.

Underwater rocks

Here I would like to talk about unforeseen circumstances.

Theft of terminals is quite a common occurrence, even if the terminal is insured you will still have to run a lot to get your money out of the insurance company. In the future, the insurance company may raise the rate and it will become practically unprofitable to insure.
Legislation regarding the acceptance of funds changes quite often; there is a risk that only banks will be allowed to engage in this type of activity.
The active development of alternative payment channels (payment by plastic cards, online banks, etc.) is a struggle for the client.
Huge competition

Is it worth it?

This question will remain individual for everyone. If you look at this market, you can still find free places. Most likely, this is worth doing only for the purpose of creating an entire network of payment terminals. There is no point in installing one or two devices.

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Source: https://bbiznes.ru/platezhnye-terminaly-biznes/

Cooperation with the payment system

Choosing a payment system is akin to choosing a business partner. So that a beginner does not feel insecure, as if at a crossroads, he should study the payment system market even at the stage of purchasing a terminal. There are several dozen of them, they actively compete with each other, each is good in its own way and not without its shortcomings. The terminal owner can:

enter into a direct agreement with one or more payment systems;
connect to payment systems through the head agent;
make payments through aggregator companies that work with several payment systems;
use Internet banking services.

Direct payments are the most profitable, from them the terminal will receive the maximum reward, but the entrepreneur’s opportunities for carrying out such operations are limited. The more terminals it has and the wider the coverage of organizations for whose benefit payments are accepted, the more intermediaries will appear. You need to prepare for this inevitability in advance by studying offers on the payment systems market. Experts advise paying attention to the following criteria:

reputation, fame and reliability;
stability of the payment processing server;
quality of the software, its compatibility with the payment terminal;
the amount of remuneration from the payment system to the agent;
compatibility with the interface of local service providers;
the ability to display advertising on payment terminals;
the ability of the terminal itself to flexibly customize the interface to suit the requests of the payment system;
the system's interest in new agents, benefits and promotions.

Among the payment systems that have been operating on the market for many years and have won the trust of customers are the following: CyberPlat, QIWI Wallet (Qiwi Wallet), JV Quickpay, DeltaPay, Comepay, SkySend. The list is far from complete; there are many more of them. Each system has its own corporate website, where you can familiarize yourself with the features of the work, obtain the necessary information, technical support and conclude an agency agreement.

Where is the best place to install devices?

In order to have a successful business in the future, payment terminals should be installed in the right places. Planning strategy is an important part of organizing such activities. The choice of location when installing a terminal, as a rule, falls on the points of greatest concentration of people. Judging from an economic point of view, the most effective is the placement of automatic payment acceptance machines in large supermarkets, shopping malls, train stations or subways, as well as in markets and other retail areas.

However, due to the constant increase in the number of owners of this business in crowded places and increasing competition, today it has also become profitable to place these terminals both in stores in residential areas of megacities and in retail outlets in suburbs and small towns. In such places, competition is still minimal, despite the fact that the demand for payment acceptance services among the local population is still high.

Terminal Maintenance

Terminals should not be left unattended even in the most crowded places. Once a day you should check its condition and performance. The place where the terminal is installed should attract customers. This means that this area should be clean. It is necessary to install bins with garbage bags, which are changed regularly. The touch screen is free of dirt and grease marks. There are sanitary standards and basic customer disgust. Very often, payment terminals are located in groups of several and belong to different owners. You can't miss out on customers just because the terminal next door looks clean and tidy.

Each terminal comes with documentation, which will necessarily include operating instructions. Maintenance cannot be left to chance; a breakdown or failure is not only a loss of time, lost profits and additional costs for calling service workers, but also a drop in reputation. We also need to understand the psychology of people who use terminals. They develop something similar to a conditioned reflex. Having become accustomed to making payments at one terminal, these people automatically return to it. Such customers should not be lost due to the fact that the terms and procedures for maintenance were not met.

Internal structure of terminals

The service is inferior to specialists, but ongoing care is within the power of the owner himself or the person appointed. The list of responsibilities should include:

daily inspection and inspection, cleaning of contaminants, cleaning of the area directly adjacent to the terminal;
checking the cash register tape, replacing if necessary;
removing debris and foreign objects from the bill acceptor and from the bank card slot;
report to the owner about the inspection and identified deficiencies.

Communication and Internet connection problems are resolved through technical support from the operator and provider. It is not difficult to collect small amounts yourself if security issues are resolved. But, as a rule, collection is carried out by specialized companies with which an agreement is concluded.

If during the inspection an attempt to tamper with the terminal, vandal damage, or malfunctions are revealed, the terminal should be turned off and a warning sign should be placed for customers. After which they report the incident to the police and insurance company and then act according to their instructions.

Video: how the terminal works and what to do in case of breakdown

Professional installation of payment terminals and their maintenance: main advantages

A full range of services in the field of installation and service of payment devices.
Availability of services. We install the payment terminal and service it on favorable terms.
Guaranteed quality of services offered. By entrusting us with the installation of a terminal in any store and other work, you can be sure that they will be completed in a timely manner and in full.
Efficiency of work execution. Our specialists can install a modern terminal in the shortest possible time.

Contact us! Our specialists will answer all questions. They will talk about the services offered for installing payment terminals and announce their exact cost.

Cost calculation

The initial investment depends on many factors, but the market is established, which makes it easier to calculate investments. The biggest expense is the purchase of a terminal. Let's leave second-hand ones aside and take into account only new models. In manufacturers' catalogs, prices range from 125,000 to 305,000 rubles. for calculation we will take 215,000 rubles. 1 sq.m. is rented for one terminal. area. For other positions we will take the average values.

Table: initial investment

Expenses	Amount (rub.)
Registration of individual entrepreneurs, ordering printing, opening an account	2 000
Network of 4 terminals	860 000
Rent 4 sq.m., first payment	4 000
Insurance for 4 terminals	20 000
First payments for communications and Internet	1 000
Prepayment of collection	5 000
Unexpected expenses	8 000
Total	900 000

In total, installing a network of 4 terminals will require 900,000 rubles. Why 4? Because, according to reviews from entrepreneurs who have been in this business for a long time, installing 1–3 terminals does not provide a profit sufficient to maintain and develop the business.

900,000 rub. The amount is not small, but comparable to what banks give for a consumer loan. In this case, the loan is not consumer, but for a business that is considered profitable by default. You can get a loan from an interested bank at a favorable, preferential interest rate, and supplement your monthly expenses table with loan payments. By the way, payments can be made through your terminal.

The scale of current expenses is small, only a few items, mostly repeating the original ones.

Table: monthly expenses

Expenses	Amount (rub.)
Rent 4 sq.m.	4 000
Communication, internet	1 000
Collection	5 000
Communal payments	500
Receipt tape, consumables	500
Maintenance	500
Wage labor	10 000
Income tax, 15%	11 100
Unexpected expenses	400
Total	33 000

Total 33,000 rub. when hiring an employee who will monitor the operation of the terminals. Without it, 23,000 rubles, if the owner can handle it himself. Will the income cover the initial investment and current expenses? Answer: yes! The main components of the revenue part (averaged monthly indicators for 1 terminal) are presented in the table below.

Table: profit forecast

Income item		Wed. values
Commission percentage (1.5% - 7%)		23 000
Reward from the payment system (0.7% - 1.5%)		2 200
Advertising (on the terminal and on the monitor)		1 000
Advertising on the receipt		550
Total from 1 terminal:		26 750
Network of 4 terminals, total:		107 000

An entrepreneur can count on (107,000 – 33,000) = 74,000 rubles per month. This means that in about 9–10 months it will fully compensate for the initial investment. During this time, 190,000 current expenses will accrue, which will be covered in 3-4 months and the business will reach monthly net income. It is not recommended to spend all profits on personal needs and consumption. Part of it must certainly go towards expanding and developing the business.

The approximate payback period for a business under ideal conditions is 3–4 months.

How much income do payment terminals generate as a business?

The income of a payment acceptance agent consists of three components:

remuneration from service providers. For each payment made, an incentive will be sent to an account specially opened by you, usually amounting to 1 to 2% of the payment amount
payments from payment systems. Some services, for example, Qiwi, pay additional rewards to agents
commission charged from payers for using the terminal. Installed by you yourself. Usually does not exceed 5%

If you make a conditional calculation, then for every thousand rubles contributed by the payer to pay for a particular service, you can receive about 50 rubles. Therefore, if the daily payment turnover is at the level of 100,000 rubles, your income will be 500 rubles. Under such conditions, monthly revenue will be about 15,000 rubles.

If you subtract the costs of renting a place, taxes and other costs, then the net profit will be approximately 10,000 rubles. Additional income can come from advertising, as noted above. In total, you can receive up to 20,000 rubles from one terminal. net profit depending on how well the location is chosen (on the number of payers and the amount of the average check).

Possible difficulties and solutions

An entrepreneur who conducts business legally with open reporting and complies with the laws is under the protection of the state. Therefore, all contracts are concluded in writing, signed and strictly implemented. This practice allows you to defend your interests in court if partners or control authorities have caused damage to the enterprise through illegal actions.

In the relationship between the terminal owner and clients, the most problematic situation is when the terminal accepted money, but the payment was made for a smaller amount or did not go through at all. For a successful business, sometimes you should give in and interpret all doubts in favor of the client, satisfy his demands and conduct an internal investigation. If there is a failure due to the fault of the equipment manufacturer, network provider or payment system, deal with them, including hearings in arbitration or in a civil court. If it turns out that the client’s actions contain signs of fraud, transfer the materials to law enforcement agencies. The statute of limitations for such cases is 3 years.

What you need to open a terminal business

How to open a “Payment terminals” business?

To start accepting payments, you need to:

undergo state registration (or JSC);
select the location where the payment terminal will be installed. The profitability of the business will directly depend on the traffic of the place. These could be shops, supermarkets, entertainment complexes, train stations, universities or any other crowded place where it will be convenient to use. To install the terminal, 1 square meter is enough. meters of area, the main thing is the presence of a grounded outlet with a voltage of 220 W;
purchase equipment;
choose a payment system for further cooperation, sign an agreement with it and open a specialized account. The payment system is a kind of intermediary between the owner of the terminal and the companies in whose favor payments will be accepted. The range of payment acceptance services directly depends on the number of partners with whom the payment system works. At the same time, the terminal owner will not have to enter into many contracts with individual operators himself.

Feedback from entrepreneurs

According to feedback from terminal owners, problems rarely arise. The most successful entrepreneurs “recoup” expenses in the first six months and then work at a stable profit.

Quite a solid business idea, but there is still a lot of competition. Accordingly, there is a very high demand. I think it’s quite possible to find places where there are no these terminals to install your own and make good money from them.

Damch

https://businesslike.ru/index.php?showtopic=3495

1. Practice shows that the optimal number of payment terminals that will bring the greatest benefits is 4–5. This is due to the fact that such a number of machines can be serviced by one technician so that there is no downtime for several machines at once in the event of a malfunction of one.
2. Machine guns should be placed as closely as possible in relation to each other, but at the same time you should not sacrifice “walkable space” if it is possible to place a machine gun there, but it will be somewhat distant from the rest.
3. The costs of purchasing and installation if there are 4–5 machines are recovered within the first six months. It is impossible to predict the net profit, and very often it simply depends 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.

Ostrovitjanin, Moscow region

https://businesslike.ru/index.php?showtopic=3495

First of all, choose the type of terminal: indoor, outdoor or portable. I would recommend the first two types. For example, a terminal installed in a large store or on a street near the metro station will consistently generate income. What you need? Find the place where you plan to locate the terminal. You negotiate with the owners of this territory, draw up a lease agreement for the place. Tip: choose one near the entrance or exit. There are more people there. Buy a terminal. Choose a payment system. Work better with large payment terminals such as CYBERPLAT, E-PORT, DELTA. Expenses. The terminal costs from 40 thousand rubles. Rent a place - from 2 thousand rubles. So consider it.

yatfriat

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Video: real experience of opening a business on payment terminals

Despite the fact that the business of payment terminals has long been mastered and is busy, there are free niches in it where a novice entrepreneur can find a profitable position. The rapid development of the range of online services and remote payments is calling for new participants in the lucrative market.

Author: Alexander Ishmeikin
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Until January 2014, seaman. Now a land-based freelancer. Rate this article:

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Which tax system should you choose?

The correct choice of taxation system is the key to a profitable business. It is possible to make the right decision by calculating the options and then analyzing the results. If you are not satisfied with the tax regime, you can change it at the beginning of the next tax period. Step-by-step selection algorithm:

A system is installed that is suitable specifically for business at payment terminals: OSNO, simplified tax system, UTII or PSN. Companies producing any products cannot work on the PSN (patent system) or UTII (unified tax on imputed income). OSNO (general system) is suitable for all entrepreneurs. STS (simplified system) includes the widest list of activities.
Become familiar with the restrictions on organizational and legal standards. The patent system is provided only for individual entrepreneurs. Its use by LLCs is not permitted by the tax code.
Study the permissible number of employees. The patent system allows no more than 15 people to be employed. The simplified tax system and UTII provide for a team size of up to 100 employees.
Compare income limits. The simplified tax system can be used in companies whose annual income does not exceed 150 million rubles.
Analyze the possibility of confirming expenses. This is necessary for the simplified tax system (income minus expenses).

Small individual entrepreneurs usually choose a simplified system. It has two types: payment of 6% of revenue or 15% “income - expenses”.

Choosing a location for the terminal

The next step in starting a business is choosing a location. The most successful options:

shopping centers;
supermarkets;
train and metro stations;
Universities;
airports;
hospitals.

In general, any place with more or less good traffic can be successful. The following factors must also be taken into account:

It is advisable to install the machine indoors. This will significantly reduce the risk of vandalism and damage.
There should be a 220V socket near the machine.
You must have coverage from your chosen Internet provider.
The size of the installation space is about 1 square meter.