Acquiring

Acquiring is the ability to make payments by any cashless method: with debit and credit cards, through the Mir Pay app on mobile phones or wearable devices linked to them.

The current account of a trading company is serviced using a payment terminal. After payment for goods or services, the funds are transferred to the acquiring bank and then to the seller's account.

There are two types of acquiring:

• Merchant acquiring. Allows cashless card payments through payment terminals at the checkout or with a courier.
• Online acquiring. Allows accepting payment for goods and services online on the company's website.

Internet acquiring is a service for accepting online payments for the purchase of goods or services on the internet that The bank provides to companies. With internet acquiring, customers can make payments using bank cards and any other cashless methods.

Merchant acquiring is a bank service that enables retail and service businesses to accept payment for their goods, work, and services by any cashless method.

The acquiring fee amount for acquiring depends on a number of factors:

• The company's turnover.
• The number of outlets.
• The type of business activity.

The acquiring fee consists of:

• interbank fee (IRF);
• the payment system fee for the use of a plastic card;
• processing services;
• equipment maintenance;
• indirect costs, etc.

To a large extent, the cost of acquiring is made up of IRF, which the acquiring bank pays to the card-issuing bank. The interbank fee amount is formed based on:

• The card category. It may be standard, gold, platinum, etc. The higher the category, the higher the acquiring fee.
• The merchant's type of business activity (Merchant Category Code (MCC)). A separate IRF rate is предусмотрена for different categories of businesses.
• The payment method. Payments using a card's magnetic stripe are more expensive, while the percentage is lower for contactless payments.

Yes, this is possible. It is not necessary to have a current account with the acquiring bank: you can connect Acquiring with Bank Uralsib even if your current account is opened with another bank. Conversely, you can accept cashless payments using the services of another credit institution as an intermediary to a current account with Bank Uralsib. However, please note that in this case the tariffs & fees for acquiring services and the time for funds to be credited to the account may increase.

Acquiring is a banking service that allows merchants to accept cashless payments from cards, smartphones, and other devices. When paying for a purchase, the funds are first received by the acquiring bank and then transferred to the seller's current account.

There are two main types of acquiring:

• Merchant acquiring — for accepting payments by bank cards through terminals installed at the checkout.
• Internet acquiring — for accepting online payments through the company's website.
  

You can connect acquiring services with Uralsib within a short time. You only need to submit an application on the bank's website, wait for a call from a manager, and sign the agreement. The bank's specialists will deliver, install, and configure the terminals free of charge within 3–5 business days.

The acquiring fee is determined based on business turnover, the number of retail outlets, and the company’s line of business. It includes:

• interbank fee (IRF);
• payment system fees for transaction processing;
  
• processing services;
  
• equipment maintenance costs;
  
• other expenses.
  

The main part of the fee is IRF. The acquiring bank transfers it to the financial institution that issued the card. The rate depends on a number of factors:

• Card type — the higher the class, the higher the fee.
• Type of activity — different industries have their own tariffs depending on the assigned MCC.
  
• Payment method — magnetic stripe transactions cost more than contactless payments.
  

If the terminal is out of order, contact Uralsib support service or your manager. The bank’s specialists will help diagnose the issue and, if necessary, promptly replace the equipment. Support is available 24/7 so that you can continue accepting payments without interruptions in customer service.

The bank provides several types of equipment so that businesses can choose the optimal solution for their needs:

• Stationary terminal — installed in the checkout area, operates from the mains, and is suitable for locations with a fixed payment point. A PIN pad can be connected if necessary.
• Portable terminal — this option is ideal for cafes, delivery services, and off-site operations. It is equipped with a built-in battery and operates autonomously.
  
• Cash register terminal — connects to cash register equipment via cable and is compatible with popular payment acceptance software.
  

In addition, specialists can install 3-in-1 cash registers featuring acquiring from Uralsib.

Acquiring is a service that enables individual entrepreneurs to accept cashless payments for goods and services. Customers can use bank cards and the Mir Pay app on smartphones and other devices for payment.

After a customer pays for a purchase through a terminal, the funds are first credited to the acquiring bank and then transferred to the seller's account. Acquiring comes in two types:

• Merchant acquiring — the ability to make payments using a card through a terminal at the checkout or upon delivery
• Internet acquiring — acceptance of payments for goods and services through online payment systems on the company's website
  

The acquiring fee depends on several factors: the company’s turnover, the number of points of sale, and the specifics of the business. The fee includes:

• Interchange fee (IRF);
• Payment system fees for card usage;
  
• Processing services;
  
• Equipment maintenance;
  
• Additional expenses.
  

The main part of the fee is the interchange fee (IRF), which the acquiring bank pays to the card-issuing bank. The amount of this fee depends on:

• Card category — the higher the card status (standard, gold, platinum), the higher the fee.
• Type of business activity (MCC) — different rates apply to different business sectors.
  
• Payment method — payment using a magnetic stripe is more expensive than a contactless transaction.
  

Yes, this is possible. You can use Acquiring from Uralsib even if your account is opened with another bank. The reverse situation is also possible: you can accept cashless payments from another bank's acquiring service into a current account with Uralsib. At the same time, please note that in such cases the commission and the time frame for crediting funds may differ from the standard terms.

Connecting the service takes 3–5 business days. First, you need to submit an application on the bank's website. After that, a specialist will contact you to уточнения details and prepare the agreement. Immediately after that, the terminal will be delivered and installed free of charge.

If the equipment has stopped working or you are experiencing difficulties processing payments, contact the bank's technical support or your manager. Specialists will promptly help resolve the malfunction and, if necessary, replace the terminal.

The support service is available by phone and online. As a rule, most issues are resolved on the day of contact.

Acquiring is a method of accepting cashless payments using bank cards and mobile devices. The customer can pay with a debit or credit card, as well as through apps such as Mir Pay on a smartphone, smartwatch, or other wearable gadgets.

After payment, the funds are first received by the acquiring bank and then transferred to the seller's current account. For this, a payment terminal or an online system is used, depending on the type of acquiring.

There are two main types:

• Merchant acquiring — accepting payments through terminals in a store, office, or upon delivery.
• Internet acquiring — accepting payments on the company's website or in the mobile app.
  

Uralsib offers three types of terminals suitable for different business formats:

• Stationary terminal. Operates from the power supply and is used at the checkout with a fixed payment location. Supports PIN pad connection.
• Portable terminal. Suitable for restaurants, couriers, and on-site services. Equipped with a built-in battery, not tied to a power outlet.
  
• Integrated terminal. Connects to the cash register by cable and is easily integrated into most POS software.
  

The bank also offers 3-in-1 cash registers for installation, on which acquiring from Uralsib will operate.

The fee amount depends on a number of factors. These include: the company's total turnover, the number of connected outlets, and the business area in which the company operates (Merchant Category Code (MCC)).

The fee includes:

• interbank fee (IRF);
• payment system usage fee;
  
• processing services;
  
• equipment maintenance;
  
• related expenses.
  

The largest share is the interbank fee (IRF) — it is paid by the acquiring bank to the bank that issued the card. Its amount depends on:

• card category — gold and platinum cards have a higher fee than standard cards;
• type of business activity — different IRF rates apply to different industries;
  
• payment method — magnetic stripe transactions cost more than contactless payments.
  

First, fill out a short online application. It will take just a couple of minutes. After the application is reviewed, a bank representative will contact you. They will clarify the details and help you choose the optimal acquiring terms for your business. After that, you will need to sign an agreement with the bank and choose a convenient time to meet the specialists for terminal installation. As a rule, connecting the equipment takes 3–5 business days.

If you experience problems with acquiring, contact Uralsib technical support or your account manager. Specialists will promptly help configure the equipment, restore terminal operation, or resolve other technical issues. Support service contact details are provided in the agreement and on the bank's website.

Acquiring is a service that allows companies to accept payments using bank cards and contactless payment devices. Settlements are processed through POS terminals at the point of sale and online. The funds are first received by the acquiring bank and then credited to the company's current account.

There are several types of acquiring:

• Merchant acquiring — for payments through terminals;
• Internet acquiring — for payments through payment systems on websites.
  
• Mobile — for accepting payments through portable terminals.
  

The acquiring fee is determined individually and depends on a number of factors: the volume of cashless payments, the number of connected points of sale, and the company's line of business.

The fee includes:

• interbank fee (IRF);
• payment system usage fee;
  
• processing services;
  
• terminal maintenance;
  
• other possible expenses.
  

The main component of the fee is the interbank fee. The acquiring bank transfers it to the bank that issued the card. Its amount is affected by:

• card type: the higher the status, the higher the fee;
• merchant category code (MCC): different rates apply to different types of business;
  
• payment method: contactless transactions are less expensive than processing payments via the magnetic stripe.
  

Yes, this option is available. You can connect Acquiring from Uralsib and use a current account with another bank. In this case, the terms for crediting funds and the fees may differ. The most favorable terms apply when using comprehensive services.

The connection process takes on average 3–5 business days. Leave a request on the website and wait for a call from an employee. They will answer all your questions and explain how to conclude the agreement. In addition, they will advise you on the timeframe for equipment installation. Please note that the bank provides the terminal free of charge. 

Uralsib provides 24/7 technical support. If an error or malfunction occurs, or if the terminal stops working, contact the bank's hotline. You can also submit a request yourself or ask your manager to do so.

Where possible, specialists will resolve the issue remotely. If necessary, they will replace the terminal free of charge.

Acquiring allows you to accept cashless payments in various ways: using bank cards, mobile applications, as well as through other devices.

After payment, the client's funds are first credited to the acquiring bank and then transferred to the company's current account. Special equipment is used to accept payments — a payment terminal.

There are two main types of acquiring:

• Merchant acquiring — card payments are accepted through a terminal.
• Internet acquiring — online payment for goods and services on the company's website or through digital channels.
  

The final acquiring rate is formed taking into account several parameters: the company's turnover, the number of retail outlets, and the type of business activity.

The fee includes:

• interbank fee (IRF);
• payment system fee;
  
• processing services;
  
• POS terminal maintenance costs;
  
• additional expenses.
  

IRF accounts for the largest share of the fee. This is the amount that the acquiring bank transfers to the bank that issued the customer's card. Its amount depends on several factors:

• Card type. The higher the card class (for example, gold or platinum), the higher the fee.
• Business category (MCC). Each industry has its own rates.
  
• Payment method. Payment with a magnetic stripe is usually more expensive than contactless payment or payment using a chip.
  

Yes, this option is available. To connect acquiring at Uralsib, it is not necessary to have a current account with the same bank. You can accept cashless payments even if the account is opened with another credit institution. The reverse option is also possible: you can use acquiring from a third-party bank with funds credited to an account at Uralsib.

At the same time, it is worth considering that when using different banks, acquiring terms — such as the commission and crediting timeframes — may differ.

The bank offers several equipment options so that businesses can choose the right solution for their needs:

• Countertop terminal — installed at the checkout, operates from the mains and is suitable for locations with a fixed payment point. Pin pad installation is possible.
• Portable terminal — optimal for cafés, delivery services, and on-site service. Has a built-in battery and does not require a constant connection to the power supply.
  
• Integrated terminal — connected to the cash register system via cable and compatible with most cash register software.
  

You can also choose a 3-in-1 cash register that supports acquiring from Uralsib. Installation of any equipment usually takes 3–5 business days. 

If the terminal is out of order, first restart the device and check the network connection. If this does not help, contact the bank's technical support or your manager. Specialists will promptly help resolve the issue or, if necessary, replace the equipment. Support service contacts are provided in the accompanying documents and are available on the bank's website.

Acquiring is a banking service that allows businesses to accept cashless payments. Customers can pay with bank cards, as well as by phone or other devices via Mir Pay.

When paying via a terminal, the funds are first received by the acquiring bank and then transferred to the seller's current account.

There are two main types of acquiring:

• Merchant acquiring — card payment via a terminal in a store or with a courier;
• Internet acquiring — accepting payments on the company's website.

The fee is determined based on the volume of financial turnover, the number of retail outlets, and the business sector.

The fee includes:

• interchange fee (IRF);
• payment system fees for card usage;
• processing services;
• terminal maintenance costs;
• other expenses.

The largest share is IRF, the interchange fee that the acquiring bank transfers to the bank that issued the card. Its amount depends on:

• card category: the higher the card class (standard, gold, platinum), the higher the fee;
• business type (MCC): each industry has its own tariffs;
• payment method: transactions using a magnetic stripe are more expensive than contactless payments.

To connect acquiring, it is not mandatory to have a current account with the acquiring bank. You can use Uralsib's acquiring services even if your account is opened with another credit institution. If funds are credited to an account with Uralsib, the acquiring fee may be lower, and payment acceptance via QR code directly on the terminal is also available.

First, fill out a short online application on this page; it will take just a few minutes. After the application is processed, a bank employee will contact you to clarify the details and offer suitable acquiring terms tailored to your business needs.

After that, you will need to sign the agreement and arrange a convenient time for the installation of the equipment. Usually, connection and terminal setup take from 3 to 5 business days.

If you are experiencing issues with the terminal or payment, contact Uralsib technical support or get in touch with your personal manager. Specialists will quickly identify the cause of the failure, help restore the operation of the equipment, or replace the terminal if necessary.

Support is available by phone and online. Contact details can be found in the agreement and on the bank's website. In most cases, the issue is resolved on the day of contact.

Merchant acquiring is used in offline business. It allows customers to make payments via terminal using a card, smartphone, or QR code. The equipment can be installed in any convenient location at the point of sale.

Internet acquiring is needed for online business operations. It allows the customer to pay for a purchase on the website, through the app, or via a link.

Both methods are suitable for accepting cashless payments, but they are used in different business formats

The merchant acquiring fee is determined taking into account several factors: the company's turnover, the number of outlets, and the business sector.

It includes: 

• interchange fee (IRF);
• payment system fees;
• processing services; 
• equipment maintenance;
• other related expenses. 

The largest share is the IRF interchange fee, which the acquiring bank transfers to the bank that issued the card. Its amount depends on: 

• card category (the higher the status—for example, gold or platinum—the higher the fee);
• Merchant Category Code (MCC);
• payment method (transactions using a magnetic stripe are more expensive than contactless payments). 

You can connect merchant acquiring from Uralsib even if you have an account with another bank.

It is important to note that when using an account with a third-party bank, the terms may be less favorable. For example, the fee may be higher and the time for funds to be credited may increase.

First, fill out the online application; it will take just a few minutes. As soon as The bank reviews it, a bank representative will contact you. They will clarify the details and offer optimal acquiring terms taking into account the specifics of your business.

After that, you will need to sign the agreement and arrange a convenient time for the installation of the equipment. Connection and configuration of the terminals usually takes from 3 to 5 business days.

If the terminal malfunctions, a payment does not go through, or an error occurs, contact Uralsib's 24/7 technical support. You can do this via the hotline or on the website. You can also ask your personal manager for assistance. 

Specialists will try to resolve the issue as quickly as possible. If necessary, the bank will replace the equipment free of charge.

Merchant acquiring and internet acquiring are services for accepting cashless payments from customers. However, they operate differently.

• Merchant acquiring is used at points of sale. The customer pays for the purchase by card or smartphone via a terminal. The funds are first transferred to the acquiring bank and then to the company's current account.
• Internet acquiring is connected for servicing online stores and services. Payment is made entirely on the website. The customer enters card details or pays for the purchase via a payment system. All settlements are made without the use of a terminal.

The acquiring fee is determined based on several factors: the company's turnover, the number of retail outlets, and the business sector.

The total fee consists of:

• interbank fee (IRF);
• payment system fees for card use;
• processing services;
• equipment maintenance costs;
• other expenses.

The main part of the acquiring fee is the interbank fee (IRF). The acquiring bank transfers it to the bank that issued the card. The amount of the fee depends on several parameters:

• card type: the higher the card tier, the higher the fee.
• business sector (MCC): different rates apply to different types of business;
• payment method: magnetic stripe transactions are more expensive than contactless payments.

Yes, to connect acquiring, it is not necessary to open a current account with the acquiring bank. You can use Uralsib acquiring even if your current account is opened with another bank.

It is important to note that when using a third-party account, the terms may be less favorable. For example, the fee may be higher, and the time for funds to be credited may increase.

First, fill out a short online application form on this page; it will take just a few minutes. After your application is processed, a bank employee will contact you to clarify the details and offer suitable acquiring terms tailored to your business needs.

After that, you will need to sign the agreement and arrange a convenient time for the equipment installation. Usually, connecting and configuring the terminals takes from 3 to 5 business days.

If disruptions occur in the operation of acquiring, contact Uralsib technical support or reach out to your manager. Specialists will promptly help restore the equipment’s operation, configure the terminal, and resolve other technical issues. The support service contact details are specified in the agreement and published on the bank’s website.

Acquiring is a banking service that allows businesses to accept cashless payments. Customers pay for purchases with bank cards, smartphones with  Mir Pay, and via the Faster Payments System (SBP). The funds are first credited to the acquiring bank, which then transfers them to the seller's current account.

There are two main types of acquiring:

• Merchant acquiring. Allows payments to be accepted via a terminal at the checkout or upon delivery.
• Internet acquiring. Used to accept online payments on a website, in an app, or via a payment link.

Connection is completed within a short period. Submit an application on the website, wait for a manager's call, and sign the agreement.

After that, Uralsib specialists will deliver, install, and configure the terminals for operation. The process usually takes up to 3 business days.

The rate is determined based on the company's turnover, the number of retail outlets, and the business sector.

The fee includes:

• interbank fee (IRF);
• payment system fee;
• processing services;
• POS terminal maintenance;
• additional expenses.

The main share is made up of the interbank fee. The acquiring bank transfers it to the bank that issued the customer's card. The rate is affected by:

• Card type. The higher the class of the payment instrument, the higher the fee.
• Business category (MCC code). Each industry has its own tariffs.
• Payment method. Magnetic stripe transactions are more expensive than chip payments or contactless transactions.

The bank offers several different devices so that businesses can choose a solution based on their operating format and workload:

• Fixed terminal. Installed at the checkout and powered by the mains. Suitable for locations with a fixed payment point. If necessary, a PIN pad can be connected.
• Portable terminal. Used in cafés, delivery services, and on-site service. Equipped with a battery and operates without a permanent connection to the power supply.
• Integrated terminal. Connected to the checkout system by cable and supports most checkout software.

Clients can also connect a “3-in-1 cash register” through the bank’s partners; it combines checkout equipment and Uralsib acquiring.

In this case, first restart the device and check the network connection.If the problem persists, contact the bank's technical support or your manager. 

Specialists will help resolve the malfunction or replace the equipment if necessary. Support service contacts are provided in the documents and on the bank's website.

Acquiring is a banking service that helps accept cashless payments through a terminal using bank cards, smartphones with Mir Pay, and other devices. After payment, the funds are transferred to the acquiring bank, which then remits them to the current account of an individual entrepreneur or company. 

There are two main types of acquiring:

• Merchant acquiring. Allows you to accept payments through a terminal.
• Internet acquiring. Used for online payments on a website or through other digital channels.

To accept payments, the bank provides a terminal. A business can choose stationary or portable equipment depending on its operating format.

The devices support payment by bank cards, smartphones with Mir Pay, and via QR code. The bank’s specialists connect and configure the equipment free of charge. This usually takes up to 3 business days.

The fee amount is determined taking into account business turnover, the number of retail outlets, and the specifics of the business activity.

The fee includes:

• interchange fee (IRF);
• payment system fees;
• processing services;
• equipment maintenance;
• additional expenses.

The main share is the interchange fee. The acquiring bank transfers it to the bank that issued the customer's card. The rate is affected by:

• Card category. The higher the card status, the higher the fee.
• Type of business activity. Different industries have their own tariffs.
• Payment method. Magnetic stripe transactions cost more than contactless payments.

The timeframe depends on the bank where the current account is opened. If the account was opened with Uralsib, the funds are credited on the same day when the "Scheduled Credit" service is connected, or on the next calendar day without this option.

If the account is opened with another bank, the funds are credited during the next business day.

If the equipment is not working or there are difficulties processing payments, contact the bank's technical support or your manager.

Specialists will help устранить неисправность and, if necessary, replace the terminal. You can contact support by phone and online; most issues are resolved on the day of the request.

The fee amount is determined individually for each client. The bank takes into account financial turnover, the number of retail outlets, and the specifics of the business.

The fee is made up of:

• interbank fee (IRF);
• fees for the use of payment systems and processing services;
• POS terminal maintenance costs;
• other expenses.

The main share is the interbank fee. The acquiring bank transfers it to the bank that issued the client's card.

The rate is affected by:

• Card type. The higher its class, the higher the fee.
• Business category. Each industry has its own tariffs & fees.
• Payment method. Payments by magnetic stripe are more expensive than chip transactions or contactless payment.

Service setup does not take much time. Leave a request on the website, wait for a manager’s call, and agree on the terms.

After signing the agreement, Uralsib specialists will install the terminals and configure them for operation. Usually, the entire process takes up to 3 business days.

Yes, the terminals support NFC technology. Customers can pay for goods and services with bank cards and devices with the Mir Pay app installed. Payment via the Faster Payments System (SBP) is also available to customers.

To accept payments, the bank provides a terminal. A business can choose fixed or portable equipment depending on its operating format.

The devices support payments by bank cards, smartphones with Mir Pay, and via QR code. The bank's specialists connect the equipment free of charge and configure it for operation immediately.

If errors and malfunctions occur while working with terminals, contact Uralsib Support. You can also submit a request through the bank's website or contact your manager.

Specialists will try to resolve the issue remotely. If this is not possible, they will replace the terminal free of charge.

Merchant acquiring is used in traditional business. Connecting the service allows you to accept payments through a terminal using a card, a smartphone with Mir Pay, or via the Faster Payments System (SBP). The equipment is installed in a convenient location at the point of sale.

Internet acquiring is needed to organize an online business. With its help, customers pay for purchases on the website, in the app, or via a payment link.

Yes, you can connect Uralsib acquiring and use a current account with another bank.

At the same time, the time frame for funds to be credited and the commission amount may differ. As a rule, the most favorable terms apply to bundled services. Therefore, it is recommended to arrange Current Account Services and acquiring with one bank.

Connecting the service takes on average up to 3 business days. To do this, you need to submit an application on the website and wait for a specialist's call. They will answer your questions and help you conclude the agreement.

After that, the bank will contact you to select suitable equipment. Installation and maintenance of the terminal will be free of charge. 

The fee amount is determined taking into account the company's turnover, the number of retail outlets, and the specifics of its business.

The fee includes:

• interbank fee (IRF);
• payment system remuneration;
• processing service fees and POS terminal maintenance;
• additional expenses.
  

The main share is the interbank fee. The acquiring bank transfers it to the bank that issued the customer's card.

The rate is affected by:

• Card type. The higher its status, the greater the fee;
• Business category. Different industries have their own tariffs & fees;
• Payment method. Payments made using the magnetic stripe cost more than chip or contactless transactions.

If the terminal is malfunctioning or payments are not going through it, contact Uralsib technical support. This can be done by phone, via the website, or through your manager.

Specialists will promptly review the situation and help restore operations. If necessary, the bank will replace the equipment free of charge.

Acquiring is a banking service that allows businesses to accept cashless payments via bank cards and the Mir Pay service on smartphones and other devices.

When a payment is received, the funds are first transferred to the acquiring bank and then credited to the company's current account.

There are two types of acquiring:

• merchant acquiring — accepting payments by card/smartphone via a terminal at the checkout or equipment used by a courier;
• internet acquiring — accepting online payments on the company's website or in the app.

The fee amount is determined based on the company's turnover, the number of retail outlets, and the business sector.

The fee includes:

• interbank fee (IRF);
• payment system fees;
• processing services;
• equipment maintenance;
• other expenses.

The largest share of the fee is IRF. This is the amount that the acquiring bank transfers to the bank that issued the card. Its amount depends on several factors:

• card category: the higher the status, the higher the fee;
• business sector (MCC): different rates apply to different industries;
• payment method: magnetic stripe transactions are more expensive than contactless or chip payments.

Acquiring at Uralsib is connected quite quickly. It is enough to submit an online application, after which a manager will contact you to уточнения details and conclude the agreement.

Installation and configuration of terminals are performed by the bank's specialists free of charge. Usually, the entire process takes 1–3 business days.

Uralsib offers several types of equipment that allow you to organize the acceptance of cashless payments:

• Stationary terminal. Installed at the checkout and operates from the power supply; a PIN pad can be connected if necessary. Suitable for retail outlets with one payment point.
• Portable terminal. Equipped with a battery and operates autonomously, convenient for off-site service.
• Cash register terminal. Connected to cash register equipment by cable and compatible with major payment acceptance software.

The bank also offers modern 2-in-1 cash registers that combine a cash register and merchant acquiring. At the client's request, the bank can connect the Faster Payments System (SBP) with output to the device display.

In the event of a terminal failure, an error during payment processing, or other malfunctions, contact Uralsib’s 24/7 technical support. This can be done by calling the hotline or through the bank’s website. You can also contact your personal manager.

Specialists will promptly carry out diagnostics and resolve the issue. If the malfunction is related to equipment failure, the bank will replace it free of charge.

Acquiring is a banking service that allows businesses to accept cashless payments from customers. They can make donations using bank cards or smartphones via Mir Pay.

When paying via a terminal, the customer's funds are first credited to the acquiring bank and then transferred to the organization's current account.

There are two main types of acquiring:

• Merchant acquiring — card payment via a terminal at the office or with an NGO representative.
• Internet acquiring — acceptance of online payments on the organization's website. 

Connecting acquiring services at Uralsib is quick and simple. You only need to submit an application on the website, wait for a manager’s call, and sign the agreement. After that, the bank’s specialists will deliver, install, and set up the terminals free of charge within 1–3 business days.

The acquiring fee is determined based on the company's turnover, the number of points of sale, and the business sector.

The fee includes:

• interbank fee (IRF);
• the payment system fee for card usage;
• processing services;
• equipment maintenance;
• other costs.

The main part of the fee is IRF, which the acquiring bank transfers to the issuing bank. The amount of IRF depends on:

• Card category — the higher the status, the higher the fee;
• Type of business (MCC) — different rates apply to different business sectors;
• Payment method — payments via magnetic stripe are more expensive than contactless transactions.

If the terminal malfunctions, you should contact Uralsib's 24/7 support service or get in touch with your personal manager. Specialists will carry out diagnostics and, if necessary, arrange replacement of the equipment. This will allow the business to accept payments without interruptions.

Yes, Uralsib acquiring is available even if you have an account with another bank. However, please note that its terms may be less favorable. The fee may be higher, and funds may take longer to be credited to the account.

First, you need to fill out an online application on the bank's website. After it is processed, a manager will contact you, clarify the details, and select suitable terms. After that, all that remains is to sign the agreement and arrange the equipment installation time. The bank's specialists will deliver and set up the terminals free of charge. 

The entire process, from submitting the application to starting to accept payments, usually takes from three to five business days.

The fee amount is determined based on the company’s turnover, the number of points of sale, and the specifics of the business. The tariff includes:

• interchange fee (IRF);
• payment system fee for card usage;
• processing services;
• equipment maintenance;
• other operating expenses.

The largest share of the fee is IRF. This is a payment that the acquiring bank transfers to the card-issuing bank. Its amount is determined by:

• card category (standard, gold, platinum): the higher the status, the higher the fee;
• type of activity (MCC): different rates apply to different industries;
• payment method: magnetic stripe transactions are more expensive than contactless payments.

If the terminal has stopped working or payment cannot be processed through it, contact Uralsib's 24/7 technical support. You can reach the specialists via the hotline phone number or through the online chat. You can also contact your personal manager directly. 

Specialists will promptly carry out diagnostics and help resolve the malfunction. If necessary, the bank will replace the equipment free of charge.

Several acquiring equipment options are available at Uralsib. This allows you to choose the optimal solution for any business format:

• Stationary terminal — installed at the checkout, operates from the mains, and is suitable for retail outlets with a fixed payment location. If necessary, a PIN pad can be connected.
• Portable terminal — convenient for mobile trade and courier delivery. Equipped with a battery and operates autonomously without connection to the mains.
• Cash register terminal — connected by cable to cash register equipment and compatible with popular payment acceptance services.

The client can also connect a modern 2-in-1 cash register that combines a cash register and merchant acquiring. If desired, for an individual entrepreneur or LLC, the bank can connect the Faster Payments System (SBP) with output to the device display.

Yes, it is not mandatory to open a current account with the acquiring bank. Uralsib Acquiring can be connected even if you have an account with another credit institution.

However, it is important to consider the key nuances: when using a third-party account, the bank may set less favorable terms. For example, increase the fee or extend the settlement period.

Usually, connection takes 1–3 business days. First, you need to submit an application on the website and wait for a call from the manager. The specialist will clarify the details and help you decide on the cooperation terms. 

Then you will need to sign the documents at a bank branch or at a meeting with a representative. After all paperwork is completed, Uralsib employees will provide and set up the equipment.

The fee amount depends on the company's turnover, the number of retail outlets, and the business sector. The cost includes:

• interbank fee (IRF);
• payment system processing fees;
• processing services;
• terminal maintenance;
• additional expenses.

The main part of the fee is IRF. The acquiring bank transfers it to the bank that issued the card. The rate is influenced by several factors:

• Card type. The higher the card category, the higher the fee.
• Business sector. Different industries have their own tariffs determined by the Merchant Category Code (MCC).
• Payment method. Payments made using the magnetic stripe cost more than contactless transactions.

Uralsib offers several terminal options. Choose the solution that suits your business format and transaction volume:

• Fixed terminal. Installed at the manager's workstation or at the reception desk. Suitable for offices with a permanent acceptance point.
• Portable terminal. Operates autonomously using a battery. Convenient for off-site meetings with clients.
• Cash register terminal. Integrated with cash register systems and booking software. Suitable for agencies where all payments are processed through the cash register.

The bank may also offer a "2-in-1" cash register device combining a cash register and merchant acquiring. At the client's request, the bank can connect the Faster Payments System (SBP) with output to the device display.

If the terminal breaks down, contact Uralsib support service or your manager. Specialists will carry out diagnostics and, if necessary, quickly replace the equipment. Support is available around the clock, so you can ask for help at any time and quickly resolve all issues.

The timeframe depends on which bank the current account is opened with. If it is opened with Uralsib, the funds are credited on the next calendar day or on the day of the transaction when using the “Scheduled crediting” service. 

If the current account is opened with another bank, the money usually arrives on the next business day.

Acquiring is a banking service that allows businesses to accept payments by cards, smartphones, and other devices. When a payment is made, the buyer transfers money to the acquiring bank, which then credits it to the seller's current account.

There are two main types of acquiring:

• Merchant acquiring. Allows payments to be made through terminals installed at the checkout.
• Internet acquiring. Suitable for accepting online payments on the company's website or in its app.

The fee amount is calculated taking into account business turnover, the number of outlets, and the business sector. The fee includes:

• interbank fee (IRF);
• payment system fees;
• processing services;
• equipment maintenance;
• additional expenses.
  

The largest share of the fee is IRF. The acquiring bank transfers it to the card-issuing bank. The IRF rate is affected by:

• Card type. A higher fee is charged for the use of premium cards.
• MCC of the company. Different rates are set for different industries.
• Payment method. Magnetic stripe transactions are more expensive than contactless payments.

If payments via acquiring are not going through, contact Uralsib technical support or your manager. Specialists will check the settings, help restore the equipment’s operation, and advise on the next steps. Support service contacts are provided in the agreement and on the bank’s website.

First, fill out a short online application; it will take a few minutes. After that, a bank manager will contact you, clarify the details, and offer suitable acquiring terms for your business.

Then you will only need to sign the agreement and arrange a convenient time for the installation of the equipment. Specialists will deliver and set up the terminals within 1–3 business days after the application is submitted.

If a company has purchased a terminal from an authorized supplier, the bank can connect it to acquiring. In other cases, Uralsib provides a terminal for temporary use at no additional charge. In the event of a breakdown or malfunction, the bank will replace the device with a new one.

The bank's specialists begin connecting acquiring after the application is approved. Installing the terminal usually takes 1–3 business days. The timeframe depends on the type of equipment and the region. In most cases, installation is carried out promptly and does not require the client's involvement; the bank's specialists handle everything.

The fee amount is determined based on the company's turnover, the number of retail outlets, and the business sector.

The fee includes:

• interbank fee (IRF);
• payment system fees;
• processing services;
• terminal maintenance;
• additional expenses.
  

The main portion is IRF. The acquiring bank transfers it to the issuing bank. Several factors affect the rate:

• Card category. The higher the card status, the higher the fee.
• MCC of the company. Different industries have their own tariffs.
• Payment method. Magnetic stripe transactions are more expensive than contactless payments.

Yes, the terminals support NFC technology. Customers can pay for purchases and services using bank cards, smartphones, and other devices with the Mir Pay app installed.

Yes, if the company purchased the terminal from an authorized supplier and it meets the technical requirements, the bank can connect it to the system. Before that, specialists will check the equipment and configure it to work with acquiring from Uralsib.

The bank offers several types of terminals so that a business can choose a solution for its operating format:

• Desktop terminal. Operates from the mains and is installed at the checkout with a fixed payment location. A PIN pad can be connected if necessary.
• Portable terminal. Suitable for off-site consultations and examinations. Equipped with a battery and operates autonomously.
• Integrated terminal. Connects to the cash register by cable and is compatible with most popular cash register software.

In addition, Uralsib installs 2-in-1 cash registers that combine a cash register and Merchant acquiring. At the client's request, the bank can connect the Faster Payments System (SBP) with output to the device display