Acquiring rates for sole proprietorships
Specify the category of the business and the turnover, and we will show you the starting commissions excluding VAT
Profit calculator
Enter your business's monthly business performance results: we'll calculate how much extra profit you can earn with YooMoney's solutions
Answer 2 questions: we'll pick a suitable plan for you
What are you going to sell?
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Bank cards
Issued in Russia and abroad (by partners of NSPK)
3.5%
YooMoney
Wallet and linked cards
3.5%
Mir Pay
Via the Mir Pay app on phones on Android™
3.5%
SberPay
Via the SberBank Online app
3.5%
T-Pay
Payments via the T‑Bank app or website
3.5%
Alfa Pay
Payment via the Alfa Bank app
3.5%
Cash
By payment code: at payment terminals and ATMs
3.5%
American Express cards
Issued in Russia
4%
Electronic certificate
Linked to a "Mir" card issued by any bank. Customer will use this card to pay for the product, and the money will be debited from the account of the linked certificate
3.5%
FPS
Commission depends on the type of business
"Credit purchases" by SberBank
Enable this option to make sales using loans and installment plans: the purchase amount will be debited from customer's card automatically once a month
Mobile phone balance
MegaFon, MTS, beeline
B2B payments
Accept payments from legal entities and sole proprietors via SberBank Business Online with instant payment capture
No hidden payments
You only pay commission for successful payments.
Statistics and certificates
All the necessary information about payments available in your Merchant Profile.
Money is credited quickly
Within two business days to your bank account.
Mobile terminals
Connect a reader for physical cards to your smartphone or tablet and accept payments wherever you need: at a holiday party, in the subway, or when delivering products.
Mass payouts to clients
Transfer money to all your clients at once: to bank cards and accounts, YooMoney wallets, or mobile phone balance.
Free antifraud service
A tool which protects 60 million YooMoney wallets from fraud.
Mobile terminals
Connect a reader for physical cards to your smartphone or tablet and accept payments wherever you need: at a holiday party, in the subway, or when delivering products.
Mass payouts to clients
Transfer money to all your clients at once: to bank cards and accounts, YooMoney wallets, or mobile phone balance.
Free antifraud service
A tool which protects 60 million YooMoney wallets from fraud.
FAQ
For accepting cashless payments from bank cards at retail outlets, online stores, and during delivery. It's a convenient option for small and large businesses that offers easier collection of proceeds, faster settlements, and higher customer conversion rates. But you have to pay a commission for successful payments. Banks and aggregators offer different rates. The YooMoney's commission for successful payments starts from 2.8%.
To implement an acquiring service, a sole proprietor needs to open a business account. Without it, the service can't be provided, this is one of the main requirements. It's important to compare rates of different companies and payment aggregators to choose the most favourable option. All that needs to be done after that is to sign a contract and configure the terminal.
With the YooMoney service, you can implement cashless payments, accept payments via messengers, on the website, and sell products on loan. The service ensures secure settlements and smooth payment acceptance.
A terminal can be rented or purchased. In order to obtain a terminal for mobile acquiring, a sole proprietor needs to sign up for YooMoney and install a special app on a smartphone or tablet. Once the account is activated, you can connect the reader to the phone via Bluetooth, open the app, and start working.
There are several types of acquiring:
- Merchant acquiring: suitable for cafes, stores, gas stations, and other outlets where the seller serves customers in person. In this case, POS terminals are widely used. A customer puts a card or smartphone and makes a cashless payment. In terms of price, merchant acquiring is more expensive than other types but offers a much greater security.
- Internet acquiring: designed for online stores and other types of online businesses. You can implement a ready-made YooMoney's solution (a payment module) on the website, messenger, or social network to accept payments remotely. Instead of a terminal, it uses a secure payment page where customers are supposed to enter their bank card details.
- Mobile acquiring: for accepting payments, you need an autonomous mobile terminal connected to the merchant's smartphone. It's a simple solution at low cost that suitable for small retail outlets and couriers.
- Faster Payments System (FPS): a customer scans the QR code from a terminal's screen, hard copy at the outlet, or from the website, and confirms the payment in the bank app.
The service's cost depends on many factors. It's affected by the bank, payment acceptance type, company size, etc. The rate may be fixed or linked to the company's turnover. A sole proprietorship's activity and the region where it takes place are also taken into account.
Payment security and maintenance are provided by a credit company or payment aggregator.
The service's cost also includes licenses of payment systems. Servicing price depends on the number of such systems.
