The paper considers the place of acquiring as a complex banking product in Russia and ways to develop and encourage the acquiring business, as well as problems of acquiring services and feasible options to solve them under the current conditions in the RF. The author addresses the issue on how to transfer acquiring costs on vendors and considers the possibility for vendors to purchase acquiring equipment on their own. The trend to growth of turnover and acquiring operations is outlined. Reviewed is the known experience of acquiring usage, gained by Scandinavian nations. General survey of clearing operations in the RF is also provided, including the pros and contras of using mPOS-terminals and their distinctive features. It is shown, that the banking sector is eager to develop acquiring network and then profit on it.
acquiring, mPos, POS-terminal, vendor, transaction, innovation,payment card, mobility.
Эквайринг — финансовая услуга, которая позволяет с помощью банковской карты рассчитываться в предприятиях торговли и сервиса за различные товары и услуги.
Исторически в России это направление развивалось как частная инициатива банков без какого-либо участия государства, и сейчас это достаточно распространенное явление. Так, по статистике ЦБ РФ на 1 апреля 2015 г., установлено 1 311 800 POS-терминалов, принимающих карты [1].
Известно, что любой банк, масштабно развивающий эквайринг, испытывает на определенном этапе проблемы как в защите своего бизнеса, так и самого продукта. Маржинальность продукта снижается за счет большой ценовой конкуренции на рынке. На фоне остальных банковских продуктов эквайринг выглядит скромно, как самостоятельный продукт, тем не менее у него есть привлекательные качества комплексного продукта, и именно на это, в основном, банки делают ставку.
1. The official website of the Central Bank of the Russian Federation [Electronic resource]. Avaialble at: http://www.cbr.ru/statistics/print.aspx?file=p_sys/sheet014.htm&;pid=psrf&sid=ITM_33777
2. Polyakov, V.V. Problems of mutual relations of participants of the system of cashless retail payments in applying Bank cards. Proceedings of the Ural state University of Economics, 2014, I. 5 (55), pp. 38-48. (in Russian)
3. Moldalieva, K.Z. Problems of development of non-cash turnover in the example plastic cards. Bulletin of the Kyrgyz-Russian Slavic University, 2015, T. 15, I. 3, pp. 52-55. (in Russian)
4. Sitdikova, J.E., Secretarev, D.A. Analysis of the state of cashless payments on retail payments in the Republic of Belarus. The New word in science and practice: the hypothesis and the testing of the research results, 2014, I. 12, pp. 199-204. (in Russian)
5. Sharko, N.Y. Development of non-cash handling cash. Bulletin of the Kyrgyz-Russian Slavic University, 2014. T. 14, I. 8, pp. 199, 200. (in Russian)
6. Marusova, V.A., Medvedev, M.B. Improving the quality of remote banking services in Russia: mobile acquiring and mini-terminals. Finance money investments, 2015, I. 1-2 (53-54), pp. 35-37. (in Russian)
7. Federal law dated 27.06.2011 No. 161-FZ «On the national payment system».(as amended on 05.05.2014) (in Russian)
