Benefits for mini stores and stalls
Visa will introduce card acceptance benefits for mini shops and stalls.
The international payment system Visa intends to establish a preferential tariff for accepting cards for microbusiness enterprises, which now accept only cash.
Such enterprises may include mini-shops and mini-services, shops, tents. From July 9, 2019, the interbank commission for retail outlets with a turnover of up to 10 million rubles. per year will be 1 percent.
The interbank commission is a part of the commission for acquiring, which is established by the payment system, and receives the bank that issued the card. Now its average size is 1.6-1.8 percent.
According to experts, a city turnover of up to 10 million rubles a year can have small shops, online stores, shoe repair services, clothes, small shops selling, for example, baking. Now such micro enterprises do not accept cards. If buyers do not have cash, sellers offer to transfer them using the Sberbank online service.
Why are banks now in no hurry to install equipment for accepting cards in small outlets? Since the cost of equipment is transferred to the trading enterprises themselves, who are either offered to pay it immediately or pay a monthly fixed fee. When revenue is small, sellers simply do not need additional costs.
And with the establishment of a preferential tariff, acceptance of cards by small shops will become a reality.
Source: Russian newspaper
(Automatic translation)
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