Acquiring for pickup points

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.