Acquiring for delivery service

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.