Welcome to Bank cards with a minimum Commission less then 2 percent?

please tell me how to make a car payment c Bank. cards without a fee or < 2%
June 14th 19 at 20:57
7 answers
June 14th 19 at 20:59
The numbers are somewhat outdated, now the total Commission offline revolves around 2% once, and really prozhat down even at high speeds. - Derek_Bahringer commented on June 14th 19 at 21:02
To persuade all three mediators to completely abandon its profit is still impossible. - Jerad_Padbe commented on June 14th 19 at 21:05
it no doubt) - Derek_Bahringer commented on June 14th 19 at 21:08
June 14th 19 at 21:01
Absolutely no Commission in any way.
At normal rpm possible and necessary to optimize the situation.

In General, the size of the Commission depends greatly not only from turnover and from rated MCC

On the monthly turnover of 5-10 million rubles can bargain with the Bank&the broker, and in principle it is possible to persuade to optimize MCC. Total usually have the ability to reduce the final Commission of up to 1.2-1.4%, but with the risk of locking in inappropriate MCC.
Is the game worth the candle - you decide.
2-2.5% of the average total Commission if the rpm is ~1 million

To optimize the Commission not having a confirmed turnover - almost impossible.
You are in the unit of measure of turnover did not indicate the denominator.
Can sow unnecessary doubt ;) - Derek_Bahringer commented on June 14th 19 at 21:04
rubles, rubles. - Jerad_Padbe commented on June 14th 19 at 21:07
is the numerator - Derek_Bahringer commented on June 14th 19 at 21:10
, month) - chelsea13 commented on June 14th 19 at 21:13
June 14th 19 at 21:03
You can negotiate with the Bank offering the Internet acquiring on the percentage.
But You will talk only when there is a large turnover. I think (almost a finger in the sky), for <2% of monthly turnover should be about 2kk+
Tariffs of Sberbank. But I'm sure there is some...
June 14th 19 at 21:05
Yes, especially does , look at the structure of the Commission part receives the Bank which issued the card and visa and part of the Bank which receives the money
June 14th 19 at 21:07

real commisa systems - the 1.4-1.7 percent
+ Bank merchant also wants to eat

total in practice 3,4-5,5%
June 14th 19 at 21:09
A large part of the fee is returned to the buyer's Bank card holder,
MasterCard for Russia on the website the rates seem about 1.7%
Visa data shows publicly. In different countries the percentage is different.
The higher the status of the card (gold, premium etc) the greater the size of the Commission that the Bank that issued the card receives.

In addition, another part of this earns Visa, MasterCard and so on.
The Bank or payment system in which you have activated the service of Internet acquiring also adds their mark-up.

SDM Bank 1.9%

Sberbank already above given link, gives 2% at the start and lower RPMs.

At high speeds don't look at the Board, look to % conversion in payment!

% conversion depends on the ease and convenience of payment page of the Bank or PS
its mobile version. Some banks and PS default to only accept cards from Russia (CIS), and the rest on request only.

Very much is also increases the conversion disable 3DS (add protection. confirmation via SMS)

On the % Commission you will save, but some payments you may not take a Commission <2% here already will not save you.

For example, in SDM Bank when they learned there was a very ancient payment page
also searched the Board but didn't connect

At the moment, use the Tinkoff Bank-disabled 3DS and reception cards all countries = 3.5%. The payment page is simple and convenient.

Look out Russia, maybe the rates were reduced, before the above, I think he said the 3DS can also be disabled, but not yet tried, and payment page of Sberbank have not seen.

For legal entities and individual entrepreneurs in Russia is less than 1.5-1.7% nobody will.

Length physical face translations from card to card 1.5%, VK of 1% or 0% does, but it is not acquiring, and other service
Very much is also increases the conversion disable 3DS (add protection. confirmation via SMS)

And don't get any of this increased percentage of refund? - Derek_Bahringer commented on June 14th 19 at 21:12
Need to test depends on niche, country and on how well you are able to deal with fraud. For example you Can configure to suspicious transactions were sent to 3ds

video report Badoo, % chargeback has not changed, and the conversion increased
https://www.youtube.com/watch?v=87IO8rPQfT4 - Jerad_Padbe commented on June 14th 19 at 21:15
and what is she suspicious????
you do not have the statistics of the payment system on this map.
for you is a regular customer.

it is only the payment system to make a decision. - Derek_Bahringer commented on June 14th 19 at 21:18
Firstly you need to use the principle of KYC

You can know the IP of the buyer, their region, the amount and frequency of purchase that he usually buys. At the first digits of the card you can see the Bank name and country of the Issuer.

3Ds distributed only in some countries in the West often use the address verification - AVS (index and address to match the country cards)

The card number you can obtain even if the map type on page PS or Bank. First, authorize the operation (HOLD) and receive the card number, the Bank and the country of the Issuer, and then decides to make the payment or to return the money.

To build the system you need a lot of time, resources, and statistics.

For a small company it is easier to use a ready-made solution antipode. For example https://www.maxmind.com/ru/minfraud-services - chelsea13 commented on June 14th 19 at 21:21
By the way there is a method with authorization small random amount
Like in kiwi and PayPal this was

Ask the buyer to bind the card and write a random amount of 10.00 rubles for example, and he has to enter 4 digits, after entering they regained it. - Derek_Bahringer commented on June 14th 19 at 21:24

in the West most often used verification at

You mean the US?
They have a known problem - using too old Standart maps - chelsea13 commented on June 14th 19 at 21:27
June 14th 19 at 21:11
is shopping acquiring, for the site will not work - Derek_Bahringer commented on June 14th 19 at 21:14

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