Is it possible to use the terminal without a cash register

You can receive payment from individual buyers only through an online cash register - it will automatically notify the Federal Tax Service about the transaction and issue a check. But when acquiring, clients pay by bank transfer through the terminal, and all payments are processed by the acquiring bank. We'll tell you whether acquiring can replace an online cash register.

Acquiring and its types

Do you need an online cash register for trade acquiring?

Do you need an online cash register for Internet acquiring?

When is acquiring possible without a cash desk?

Fines for working without a cash register

Acquiring and its types

Acquiring is a banking service that allows you to accept card payments from customers. They will be able to pay with a plastic card, smartphone, watch and even via the Internet. Acquiring is divided into:

Trade. When making a purchase, the client places a card or smartphone at the POS terminal and the money is debited. The seller receives them to his bank account in 1–2 days minus the bank commission.
Internet acquiring. It is used in online trading without a physical terminal. The buyer pays for the goods on the website through a special payment service. Enters card details in the browser, receives a code via SMS and enters it to make a purchase. After this, the money is debited and a few days later comes to the seller’s account minus the commission.

Is it possible to use the terminal without a cash register?

According to the law, individual entrepreneurs install a cashless payment terminal when the annual turnover exceeds 60 million rubles. The entrepreneur can install the device on his own initiative at any time.

All entrepreneurs and companies are gradually installing online cash registers. Some received a reprieve. For example, from July 1, 2020, the following will be switched to cash registers with an Internet connection:

organizations and entrepreneurs with hired employees on any tax system if they sell through vending machines;
organizations and entrepreneurs on UTII or PSN with employees who work in public catering and sell retail, including alcohol;
companies and individual entrepreneurs on the simplified tax system that work in public catering with employees.

The following received a deferment until July 1, 2020:

companies and entrepreneurs on UTII that provide services, for example, repair cars, transport people or goods, place outdoor advertising;
Individual entrepreneurs on UTII and PSN without employees who sell retail, including alcohol and through vending machines;
Individual entrepreneurs on PSN who provide services to the population: sew clothes, repair shoes, service cars;
entrepreneurs on the simplified tax system without employees who sell through vending machines and work in public catering;
Individual entrepreneurs on the simplified tax system that provide services to the public.

If an entrepreneur has a deferment by law, you can work with a terminal without a cash register.

Do you need an online cash register for trade acquiring?

Payments with plastic cards are electronic payments. As a result of payment, the buyer receives a check, and information about the transaction is sent to the tax office. This is impossible without an online cash register with a fiscal drive.

The acquiring terminal is not a cash register. The POS terminal does not issue a receipt, but a slip - a receipt confirming payment. The slip does not contain the details that should be on the cash receipt, so it cannot replace it.

The terminal transmits payment data to the bank, the Federal Tax Service does not know about it. In this regard, the terminal will not replace an online cash register either. However, you can combine two devices into one. Read our article “Online cash register with acquiring”.

All LLCs and individual entrepreneurs are required to conduct non-cash payments with individuals through cash registers (Article 1.1 and paragraph 1 of Article 1.2 of the Federal Law No. 54-FZ dated May 22, 2003).

From 2020, you need to use modern online cash registers that:

provide storage and encryption of fiscal data;
transmit fiscal data to the Federal Tax Service online;
record revenue;
generate a check that the seller is obliged to issue to the buyer.

You can only use cash registers listed in the Federal Tax Service register.

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Concept and types of acquiring (trade acquiring, Internet acquiring, etc.)

For the purposes of making monetary payments between the seller and the buyer, acquiring is understood as the process of accepting payment cards as a means of payment for goods (works, services), carried out:

an authorized acquiring bank (having the appropriate license);
through the installation of special terminals at trade or service enterprises.

The above definition characterizes one of the types of acquiring—trade. In addition to it, there are other types of acquiring:

ATM acquiring - withdrawing cash from a bank card or depositing funds into it through ATMs and payment terminals;
Internet acquiring - payment for goods and services via the Internet using a special web interface in the absence of a card reader;
mobile acquiring is a method of card payments through the use of mobile devices (smartphones, tablets), to which a special device for reading cards (card reader) is connected.

For information on how modern mobile tools help business entities in their work, see the materials and messages:

“What is it and where is mobile online cash register used?”;
“How to properly connect mobile banking via the Internet?”.

You will learn in the next section how the Law on Cash Register Equipment dated May 22, 2003 No. 54-FZ connects acquiring with modern models of cash registers (online cash registers).

Do you need an online cash register for Internet acquiring?

For payments via the Internet, online acquiring is used. It differs in that the buyer’s card does not interact directly with the terminal. But this does not relieve you from the obligation to send fiscal data to the tax office and issue a check to the buyer. For Internet acquiring you also need an online cash register.

Cash registers for online stores are no different from those installed in stores and cafes near your home. The only difference is in the software, which allows you to link the device to an online store and send a receipt to the buyer’s e-mail or phone number.

Who can work without online cash registers?

In accordance with Federal Law No. 290-FZ of July 3, 2020, organizations and individual entrepreneurs, taking into account the specifics of their activities or the characteristics of their location, can make payments without the use of cash register equipment when carrying out the following types of activities and when providing the following services:

Service	A comment
Sale of newspapers and magazines	Sales at newsstands and magazine kiosks, provided that the share of sales of newspapers and magazines in their turnover is at least 50% of turnover and the range of related products is approved by the executive authority of the constituent entity of the Russian Federation. Accounting for trading revenue from the sale of newspapers and magazines and from the sale of related products is kept separately.
Sale of securities
Sale of documents (tickets) and coupons for travel on public transport	Sale by driver or conductor is carried out in the vehicle interior
Providing meals for students and employees of educational organizations	Organizations implementing basic general education programs during training sessions
Trade at retail markets, fairs, exhibition complexes	With the exception of shops, pavilions, kiosks, tents, auto shops, auto shops, vans, container-type premises and other similarly equipped trading places (premises and vehicles, including trailers and semi-trailers) located in these places of trade and ensuring the display and safety of goods, open counters inside covered market premises when trading non-food products, except for trading non-food products
Carry-out trade of food and non-food products in passenger train cars, from hand carts, bicycles, baskets, trays	With the exception of technically complex goods and food products requiring certain storage and sale conditions
Trade at kiosks	Trade in ice cream, bottled soft drinks
Trade from tank trucks	Trade in kvass, milk, vegetable oil, live fish, kerosene, seasonal trade in vegetables, including potatoes, fruits and melons
Reception of glassware and waste materials from the population	Excludes scrap metal, precious metals and precious stones
Shoe repair and painting
Manufacturing and repair of metal haberdashery and keys
Supervision and care	for children, sick, elderly and disabled people
Sales of folk arts and crafts by the manufacturer
Plowing gardens and cutting firewood
Porter services	at railway stations, bus stations, air terminals, airports, sea and river ports
Leasing (hiring) of residential premises by an individual entrepreneur	owned by this individual entrepreneur.

When is acquiring possible without a cash desk?

In Art. 2 of Law No. 54-FZ lists cases when a business can operate without an online cash register:

sale of ice cream, magazines, newspapers, shoe covers, peddling and so on;
sale of housing and communal services;
Individual entrepreneurs without employees selling goods or services of their own making - for them a deferment until July 10, 2021;
An individual entrepreneur on a patent, if the entrepreneur issues the client a strict reporting form confirming the fact of payments.

What does 54-FZ say?

Since 2020, online cash registers will be gradually introduced for entrepreneurs.
The obligation to establish a cash register system that complies with the new requirements fell on all individual entrepreneurs and legal entities that sell goods and services, regardless of the field of activity, the presence of employees and the taxation system. Only entrepreneurs without employees who sell self-made goods received a deferment until 2021. The law provides for exceptions. For example, business representatives who:

live in places recognized as inaccessible;
produce and sell items of national artistic crafts;
provide care services for children, the elderly, the sick or disabled;
provide ceremonial and ritual services.

The full list of exceptions can be found in paragraph 2 of Art. 2 54-FZ.

How to connect acquiring to an online cash register

Register the cash register with the Federal Tax Service.
Connect to OFD.
At the same time, submit an application to the bank.
Buy a terminal if your bank does not provide one. If you buy, immediately inform the manager that you will not be renting equipment.
You enter into an agreement with the bank.
Connect the terminal to the cash register. A specialist from the bank will come to you, set everything up and train the staff.

To apply for acquiring, you will need documents confirming the organization’s data. Each bank requests different documents, so check with the support service for the exact list.

Online cash registers for all types of businesses! Delivery throughout Russia.

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Mobile acquiring - for couriers, services and small businesses

Mobile terminals are stand-alone models with a keyboard, receipt printer and display. They differ from stationary ones in that they operate on a battery. Such terminals are similar to stand-alone online cash registers. You don't need other devices to accept payments.

Example of mobile terminals: VeriFone Vx610, Ingenico iWL220, Yarus M2100F.

Some models combine a terminal and a cash register. PTK Iras 900 K is a mobile online cash register with acquiring for paying in cash and cards. More examples: Tier TF, Atol 60F, Tier M2100F.

Tier TF - online cash register and acquiring in one device

mPOS - mobile pin pads for acquiring. Connect to your phone or tablet via Bluetooth or via a headphone jack. The device only reads information from the card. Some models support PIN code entry. The phone does the rest - transmits information to the bank, generates a check. The terminal is suitable for outbound trade and services.

Models of mPOS terminals: Sunyard, Square

Square pin pad is smaller than a matchbox

Acquiring participants

There are three parties involved in acquiring:

A banking organization ( acquirer ) provides services for processing and implementing non-cash payments. It gives the outlet the opportunity to use a POS terminal and controls transactions carried out using cards.
The trading organization enters into an agreement with the acquirer. In it, the parties agree on the conditions and price for the provision of equipment, the amount of bank commission, and the timing of crediting money to the seller’s account. Absolutely any organization can use the service.
Client - any person who pays with a trading company not in cash, but by card .

Designs and functions of CCP with terminal

A cash register with the ability to pay by bank cards is a stand-alone device equipped with a built-in terminal and a printer for printing checks. The device may have additional options such as a barcode scanner, a camera, and others. The choice of device depends on the wishes, specifics of the activity and financial capabilities of the seller.

Important! Before accepting card payments, the online cash register must be specified in the agreement with the bank for the provision of acquiring services.

The built-in terminal reads client data from the card and transmits it to the banking structure. The device checks the expiration date of the plastic, its status, whether it is blocked and the amount required for debiting. The operation is carried out only after receiving bank approval.

You can often hear that a cash register with the function of accepting payments from cards is required only for large retail organizations, and individual entrepreneurs can easily do without such devices. However, buyers in the Russian Federation are already accustomed to paying by bank transfer using bank plastic, so they may simply not have cash on them. In such a situation, a potential client will go to a competitor offering convenient payment options.

How the new type of equipment works

Each online cash register has a fiscal storage unit inside. He collects all data on the economic activities of the enterprise and sends them to the tax authorities. To ensure that the process goes quickly and does not cause problems, you can use the services of a fiscal data operator. The OFD will help purchase equipment, financial statements of the required volume, register them with the Federal Tax Service and take care of the timely transfer of information. This operating principle makes the economic activities of any enterprise more transparent.

Who is exempt from acquiring

Some organizations and individual entrepreneurs, which, in accordance with the requirements of Law of the Russian Federation No. 2300-1, are required to accept bank cards for payment, can still do without acquiring in relation to a number of their retail outlets.

So, if the retail outlet is located in a place where Internet access services are not provided, the seller is exempt from the obligation to accept cards for payment (paragraph 3, paragraph 1, article 16.1 of the Law of the Russian Federation of 02/07/1992 No. 2300-1). This exception applies specifically to retail outlets where there is no access to the network. In other retail outlets of the seller, acquiring is used on a general basis.

In addition, the seller is exempt from acquiring in a retail facility, the proceeds from the sale of goods in which for the previous calendar year amounted to less than 5 million rubles (paragraph 4, paragraph 1, article 16.1 of the Law of the Russian Federation of 02/07/1992 No. 2300-1).

Thus, acquiring is allowed not to be used in retail outlets that:

are located in remote places where there is no access to the Internet;
brought in less than 5 million rubles in revenue over the previous year.

Internet acquiring - how to accept payments on the website

You can accept money on the site without a terminal. To pay for goods online, the client enters his card details. If the information is correct, the payment goes through.

To work online, you enter into an agreement with a bank, and then connect the site and the payment form.

How to integrate acquiring with an online store

Full integration. You yourself write a payment acceptance module based on the bank's API. You are developing a payment form in which you can test the text and number of input fields to increase conversion. This solution is the most expensive because you pay for the work of programmers.
Modular integration. Banks have already developed plugins for popular engines. For example, acquiring from Sberbank connects with Joomla, ModX, Opencart and 1C. You can connect the module to the site yourself, without programmers.
Easy integration. You are not connecting the site and the form. The bank creates a payment page, and you send it to the client via e-mail or direct link. You don't even need a website to accept money. If you are a freelancer, an agency, or have an Internet service, create a payment form in your bank account and issue an invoice to the client.

Form of payment from Tinkoff Bank

When a customer pays for a purchase, you send them an electronic receipt. For online acquiring you need an online cash register, so buy an automated cash register for an online store and connect it to the website.

How to use acquiring without a current account?

To take advantage of trade acquiring opportunities, a company needs not only to open a bank account, but also obtain the status of a legal entity . For this reason, it is impossible to use acquiring without having a bank account. I wrote about where it is more profitable to open a current account in my previous review. So, if this question is relevant to you now, you are welcome to follow the link.

Until your company acquires a current account, you will be able to work exclusively with Internet acquiring - receive transfers from clients’ bank cards to your accounts. In this case, financial management is possible only if an individual has an account in any bank. In this way, individual entrepreneurs can freely use Internet acquiring and not bother with opening a current account if they previously carried out their activities without one. In this case, individual entrepreneurs will pay insurance premiums and taxes in cash using receipts.

However, even though the law allows the use of personal accounts for business activities, this does not protect against troubles. The thing is that when an individual opens an account, the agreement with the bank often stipulates that the account cannot be used for business purposes. In addition, tax authorities can easily mistake such income for the income of individuals, and therefore will require payment of personal income tax in the amount of 13%. Additionally, as the turnover on your personal account increases, questions will arise from the bank’s financial monitoring department.

If you have gaps in knowledge about what R/S is and how it works , I advise you to study theoretical information about cash settlement services for legal entities and use this banking service to connect acquiring.

Open a current account in TKS