10 Best Internet Acquiring Services for Small Businesses
TOP 10 internet acquiring companies for small businesses
10 Opening
Commission: from 2.5%
Rating (2022): 4.5
Otkritie Bank is one of the backbone banks that provides settlement and cash services and Internet acquiring even for the smallest business. The conditions of the bank will allow you to acquire online acquiring for an online store without an extra overpayment and with the necessary support. This will make it easy to accept customer payments using bank cards, mobile payment services, and the SBP system. Funds are credited the next day.
The opening promises the most secure internet acquiring possible. In addition, active technical support during registration, installation of the payment form on the site and its configuration will make sure everything is done correctly. The bank sets tariffs for Internet acquiring for clients individually, focusing on the amount of turnover and type of activity. The site only lists an approximate rate of 2.5%. To connect the service, it is enough to leave a request on the site.
9 PostBank
Commission: from 1.9%
Rating (2022): 4.5
PostBank allows small businesses to receive the optimal level of service for a small commission. The company's tariffs are focused on customers with different incomes, which allows you to save a lot at the initial stage of business development. The service is issued within a couple of days: within a few days after the application, you will be able to install a payment form on the site and accept the first payments. There are no fees for connecting or servicing Internet acquiring.
Internet acquiring commission depends on the tariff applied to the client. If it is basic, then the fee will be 3.5%, but not less than 5 rubles. Bank partners can count on a preferential commission of 1.9%, but also not less than 5 rubles. Individual customers can be offered even more favorable individual conditions. Until August 31, 2022, there is a reduced commission rate of 1% for organizations providing certain types of activities.
8 ModulBank
Commission: from 2.29%
Rating (2022): 4.5
Convenient and modern Internet acquiring, which can even be connected to a group on a social network. You can also send a direct payment link. Modulbank offers a clear and convenient personal account. It contains detailed statistics that allow you to analyze current sales and understand on which days and hours transactions are more active. So, we can say that the bank at the same time helps to develop business. Money received through Modulbank Internet acquiring is received the next business day after payment, but if you pay + 0.2% of the commission, then the funds will be credited on the same day.
Connection and maintenance of online acquiring to an online store or website is free. You only need to pay a commission on each purchase. The amount of the commission depends on the monthly turnover. Individual entrepreneurs and LLCs with a turnover of up to 1 million per month can count on 2.49%. Small business with cash flows from 1 to 5 million - by 2.39%. Successful enterprises with a turnover of 5 million per month - by 2.29%. The nice thing is that Modulbank automatically monitors statistics and every month sets a rate that is relevant to the amount of cash flow for the previous month. Like many other banks, Modulbank until August 31, 2022 reduced the commission for acquiring to 1% from certain business categories.
7 Tinkoff
Commission: individually
Rating (2022): 4.55
Tinkoff is one of the most popular and customer-oriented banks. Internet acquiring of a financial institution is aimed primarily at existing Tinkoff customers, since preferential terms apply for them. You can accept money even without a website - just send an invoice to the client and wait for payment. Also among the additional services is the ability to return to the client only part of the money from the payment (for example, if he did not like one product out of ten purchased), while not canceling the entire transaction at once.
Tinkoff does not say anything specific about the amount of commission for using Internet acquiring, there is only an indication that the fee is set individually for each client, depending on the turnover, type of activity and other nuances. Until 08/31/2022, a preferential commission of 1% is valid for certain categories of business.
6 Ural Bank for Reconstruction and Development
Commission: 2.1%
Rating (2022): 4.6
A bank that creates conditions for users of various platforms for creating websites. The main advantage of acquiring from the Ural Bank for Reconstruction and Development is a fixed rate of 2.1% and does not depend on turnover or other conditions. This makes UBRD one of the most profitable solutions for small businesses, including individual entrepreneurs. The payment acceptance module can be installed on more than 20 different content management systems, including the most popular 1C-Bitrix, OpenCart, WordPress and others. Call center operators will assist in installing the module on the site.
It will take no more than three days from the moment of application to the start of work. After that, the client gets access to a convenient personal account of Internet acquiring, through which he can track analytics and make the necessary settings. Payments are credited, as with other banks, on the next business day.
5 QIWI Business
Commission: from 1.7%
Rating (2022): 4.65
QIWI is a well-known electronic wallet that has "spun up" to the size of a full-fledged bank and offers online acquiring services. The service allows you to connect payment for goods and services in stores with a commission of 1.7% for bank cards. It is convenient that QIWI allows you to use many different online payment methods - for example, connect the ability to pay with electronic wallets with a commission of 3%. Mobile commerce is also available, i.e. payment from the balance of a cell phone, but the commission is quite high - from 3.3%.
Clients of this Internet acquiring can count on comprehensive support of the payment system.QIWI offers various tools to attract an audience and promote a site: in particular, gamification and a convenient site builder.
4 Robokassa
Commission: from 2.5%
Rating (2022): 4.7
The Robokassa service cannot be called too attractive in terms of commission for Internet acquiring. But this electronic payment system is so popular that we could not but include it in the rating. Now only a legal entity or individual entrepreneur can connect Robokassa's Internet acquiring, although until recently it was also available for self-employed people. From the moment of application to the start of work no more than 24 hours.
Internet acquiring commission depends on the tariff and the selected payment method. It is least of all for payment by cards and via Yandex Pay and is 2.5-3.9%. The largest commission for payments by installment cards is 10%, regardless of the tariff plan.
3 Kassa
Commission: from 2.4%
Rating (2022): 4.75
YuKassa is a popular online payment service with more than 160,000 merchants. High payment conversion and continuous improvement of work allow us not to lose customers, and work with five banks allows us to quickly solve problems in the event of a failure in one of them. With YuKassa, customers have access to 20 different payment methods using bank cards, electronic wallets, mobile phone balance and cash.
You can connect Internet acquiring from YuKassa on your own even without special knowledge, because there are about 100 ready-made modules for different sites. You do not need to pay for connection and service. Commissions for payments depend on the method of receiving money. For cards, it is from 2.4%, for electronic wallets - from 3.5%.Until 08/31/2022, a reduced rate of 1% is valid for certain categories.
2 DeloBank
Commission: from 0.89%
Rating (2022): 4.8
DeloBank offers, at first glance, one of the most favorable Internet acquiring rates with free connection and maintenance. But only those who have a bank account and pay one of the RKO tariffs can use it. So, the most inexpensive Dellight tariff will cost 690 rubles per month, and the acquiring commission for it will be 1.39-2.99%. For the Delopro tariff plan, you will have to pay 2590 rubles monthly, but the acquiring commission for it is from 1.19%. How profitable it is - you need to look and consider individually in each case.
It is convenient that DeloBank specialists will not only fill out an application for acquiring, but also connect it and explain how to integrate it into your website. Also, throughout the entire period of use, timely and high-quality technical support will operate.
1 PSB
Commission: from 1.4%
Rating (2022): 4.9
PSB is ready to offer some of the best Internet acquiring conditions for individual entrepreneurs and small businesses. Connection and integration will not take much time, and the support service will always help you find a solution in case of difficulties. A current account in this bank is not a prerequisite, but it will provide a number of advantages. So, if it is available, funds will be credited to the account on the same day on which the payment was made.
The commission for Internet acquiring in PSB depends on the turnover and scope of activity.It is very convenient that on the site you can find detailed information on this subject right on the page dedicated to this service. It is the lowest for the education category and amounts to 1.4-1.6%, depending on the turnover. The highest for the hotel business, restaurants and cafes - 2.5-2.4%. For socially significant areas of activity until 08/31/2022, the rate is 1%.
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