Payment terminals: Business plan

Today we look at a simple business plan for payment terminals, on which anyone can make very good money.

However, hope for huge profits somewhat naively, as the owner of the terminal gets about 5% of each payment. Of course, if you can develop its own payment system, it is possible, and such a scenario, but it is still unlikely.

Overview

As a rule, for the normal development of the business requires a minimum of 900 thousand rubles. This amount will go to the purchase of the terminal (and preferably two or three), to make a deposit, as well as expenses related to advertising and the development of infrastructure.

If you have more money, you may want to invest some of the funds to the development of the selected payment system. In this case, you can count on great interest from the payments.

In principle, any business plan payment terminals must consider the cost of the additional needs, so that in the event of lucrative offers from the operator can use these reserves.

Brief information about the functioning of the system

By the way, how the payment terminals? It's simple. Immediately, we note that such equipment must always be a steady link with the Internet, as otherwise it becomes impossible to the normal operation.

First, the user selects a menu item that is going to pay for it. The terminal communicates with the server of the company owner, check the amount of your deposit. The customer inserts the bill, automatic device handles it by reading the value, and then compares it with the amount that is available on deposit.

If all goes well, the transaction is carried out on the account, which is specified by the client (mobile phone number by utilities, etc.).

How is the process of registration of the terminal and to sign the contract?

First, you need to buy yourself a payment terminal, and then refer to the official representation of the desired payment system. Signing the contract, you should rent some space in the mall or store, or to conclude a partnership agreement with them. Experts put the percentage of commissions, as well as the minimum amount of payment.

After receiving the confirmation, the operator of the payment system should open a deposit at your company. Then you make this deposit in advance the amount specified in the agreement, after which you can legally exploit the payment terminals.

Use of deposit

Payments from customers, you can take only within the amount, which has been declared by you on deposit. Therefore, the larger the deposit, the better the size of the profits from each terminal. Thus, the need to constantly check the condition of the deposit, if necessary, introducing a required amount. By the way, perhaps due to the completion of the deposit of the funds that you have earned on interest from making payments.

Most payment systems not only pay the interest, but also offer a part in other bonus programs, which bring additional income to owners of terminals. Of course, you will pay taxes on all amounts received. Note that the state does not need to pay money to those who are on your deposit and on the amount of net profits.

Select Terminal

The minimum cost of the equipment - 2.5 thousand dollars. You know, how much is the payment terminal "advanced" model series? No less than nine thousand dollars! Do not try to buy the cheapest equipment, as the equipment of such models is quite miserable.

In particular, you probably spend a lot of money to install a normal printer, as well as high-quality and a bigger bill acceptor. In short, it is still before buying in order to determine which configuration is most appropriate in your case. Forming a business plan payment terminals, you will inevitably notice that the machine is the most expensive part of the project.

Which model is better?

Practice has shown that the receiver for the notes must contain a minimum of 1.5 thousand cuts. Particular attention always look on the model check printers. Be sure to buy only those payment terminals in which the products are installed on the proven and reliable manufacturers. The larger the size of the paper receipt rolls it supports, the better.

Remember that all of the terminal should be easily accessible, do not interfere with operations to replace them. Important! The body shall be made of durable alloy, protecting the inside of the receiver from intruders and vandals simple. However, when an expert installs terminals accepting payments, often they are simply chained to the floor.

Immediately note the warranty period. If it is suspiciously low, with the manufacturer is best avoided.

Major suppliers

The most well-known and well-established manufacturers are companies «Cyberplat», «E-port», as well as "OSMP". It should be noted that high-quality terminal - only half the battle. The second component is the "right" software.

Software

Incidentally, the same company "OSMP" provides comprehensive solutions - terminal and specialized software. A separate application is supplied by «Delta Key», «grotesque» and «SFOUR» and "ROC" (the church has nothing to do).

Please note that you are not locked in the narrow confines of existing solutions. Thus, if necessary, implementing some specific embodiments, you can communicate directly with the developers of payment systems. As a rule, they were willing to cooperate, introducing you to program the desired function. It is also possible to transfer the interface to other languages.

Important! It is best to choose those solutions which have a trial period. Only in this case your business plan payment terminals will take into account all the risks. Moreover, a better way to identify problems and disadvantages.

Estimated costs and benefits

At the same time you have to spend from 2.5 to 9 thousand dollars, and for the money you are buying not only the terminal itself, but also the software that came with the shell.

Each month will go about such sums, which are listed below.

Depending on traffic, the average cost of rent may be 4-8 thousand rubles.
On payment of communication services will require about 900 rubles a month.
Some payment systems require payments to banks for each payment.
Expenses for inspection and maintenance of the terminal.
Do not forget about 6% - income tax.
The income of the owner of the payment terminal consists of the following components:

those percentages of each payment that you are paid to the owner of the payment system;
fixed fee (5-10 rubles) for each payment.
In theory, one day the average terminal receives approximately 150 payment, the average amount of each of them - about 100 rubles, to calculate profitability of the business is simple. The yield in a good location more than 80%. In short, the business of payment terminals with good organization will be able to provide you with a comfortable life.