Acceptance from bank cards with a minimum commission less than 2 percent?

Question

Fintech

please tell me how to accept auto payment on the site c bank. cards, no commission or < 2%

Answer 1

No way

Answer 2

No commission at all.
At normal speeds, it is possible and necessary to optimize the situation.
In general, the size of the commission strongly depends not only on the turnover, but also on the assigned MCC
. On a monthly turnover of 5-10 million rubles, you can bargain with a bank & intermediary, and in principle it is possible to persuade you to optimize the MCC. In total, as a rule, it is possible to reduce the final commission to 1.2-1.4%, but with the risk of blocking for an inappropriate MCC.
Whether the game is worth the candle - you decide.
2-2.5% average final commission at ~1 million turnover.
Optimizing the commission without having a confirmed turnover is almost impossible.

Answer 3

You can negotiate with a bank that provides Internet acquiring services on a percentage.
But they will talk to you only with a large turnover. I think (almost a finger to the sky), for <2% your monthly turnover should be about 2kk +
Here are the Sberbank rates. But I'm sure there are more...

Answer 4

Yes, especially nothing, look at the structure of the commission, there part is received by the bank that issued the card and part of the visa and part of the bank that accepts money

Answer 5

no
real system commission - 1.4-1.7%
+ merchant bank also wants to eat
total in practice 3.4-5.5%

Answer 6

Most of the commission is returned to the bank of the buyer of the cardholder . Mastercard
for Russia has rates on the website of about 1.7%
Visa does not publicly show data. This percentage varies from country to country.
The higher the status of the card (gold, premium, etc.), the larger the commission that the bank that issued the card receives.
In addition, Visa, MasterCard, etc. earn some of this.
The bank or payment system in which you have connected the Internet acquiring service also adds its own surcharge.
SDM bank 1.9%
www.sdm.ru/docs/download/263/3231
Sberbank, as already given a link above, gives 2% at the start and lower at turnover.
At low turnovers, do not look at the commission, but look at the % conversion to payment!
The percentage of conversion depends on the simplicity and convenience of the payment page of the bank or PS,
its mobile version. Some banks and PSs by default accept only cards from the Russian Federation (CIS), and the rest only on request.
Disabling 3DS also greatly increases the conversion (additional protection. confirmation by SMS)
. You will save % of the commission, but some of the payments may not go through - and the commission <2% will not save you here.
For example, when SDM bank found out it had a very ancient payment page,
it also looked for a commission, but did not connect
. At the moment, we are using Tinkoff Bank with 3DS disabled and accepting cards of all countries = 3.5% is open. The payment page is simple and convenient.
I’m looking at the Savings Bank, because they lowered the rates, they used to be higher, like they said they can also turn off 3DS, but I haven’t tried it yet and haven’t seen the Sberbank payment page.
For legal entities and individual entrepreneurs in the Russian Federation, no one will give less than 1.5-1.7%.
For individuals There are transfers from card to card 1.5%, VKontakte takes 1% or 0%, but this is no longer acquiring, but another service

Answer 7

1.6% https://acquiring.forabank.ru/