Entrepreneur's case · Coffee · Acquiring
We stopped paying 128 thousand a month only on commissions
I am the owner of a coffee format in the “cafes and restaurants” category: several outlets, the average bill is not space, but the flow of guests is stable. When we reduce the turnover, it turns out to be about 15 million ₽ in month over the network. For such figures, acquiring is not a “trifle in the contract”, but a separate article expenses, which I finally calculated honestly, before VAT and base rates.
Previously, I focused on the “average across banks” picture: large players like Alfa, Sber and T-Bank in our segment typically came out about 1.6% at the bank terminal plus VAT 22% on bank commission amount, and for QR we have a separate line at market this is often the order 0,7%. The numbers in the contract differ slightly for everyone, but This is the order - I took it as a basis for comparison.
At the same time, we had a conversation with VTB about the connection with ТАЧ!. Us I liked the fact that the conditions can be collected in one circuit: both the reception service and the bank, without the feeling that we pay twice for the same thing “just because it’s customary.”
What was offered to us in conjunction with VTB and ТАЧ!
| Option | Bid | VAT on commission |
|---|---|---|
| ТАЧ! system | 1,1% | do not accrue |
| QR code | 0,7% | do not accrue |
| Bank terminal | 1.5% with possibility of reduction | VAT 22% on commission |
I won’t go into detail about QR: for us it already looks attractive in terms of rate; most importantly, that in this combination it remains competitive without any extra “surcharge” from above.
Where I actually saw the money: terminal versus ТАЧ!
Let's take the same turn 15,000,000 ₽ per month and compare two supports - classic banking terminal “on the market” and reception through ТАЧ! at the rate 1.1% without VAT for the service commission.
1. Bank terminal: 1.6% + VAT 22% on commission
- 15,000,000 ₽ — turnover
- 240,000 ₽ — bank commission (1.6%)
- 52,800 ₽ — VAT 22% on this commission
In total, the restaurant pays 292,800 ₽ per month only with these payments - without taking into account the rest of the economy point.
2. ТАЧ! system: 1.1%, no VAT on commission
- 15,000,000 ₽ - the same turnover
- 165,000 ₽ — commission when working through ТАЧ! (1.1%)
Difference by month: 292 800 − 165 000 = 127 800 ₽ - in the text for
I honestly round up my colleagues to 128 thousand ₽ "on hand" in the money that used to be
went to the commission and the tax on it.
For the year: even without additional effects it is more than one and a half million
rubles - only on this one item of expenses for our turnover.
About the terminal 1.5% and “another 0.1%”
I’d like to note separately: if we stay on the classic terminal in games with VTB, we are given a bet 1,5% - it's already on 0.1 p.p. lower than the “average” 1.6%, from which I used in comparison. It seems like a small thing, but at our speeds this delta gives noticeable amounts, and with VAT on commission the picture only gets stronger.
The result is honest
I am not an accountant or a lawyer in banking contracts - I am an entrepreneur who reconciles P&L. For me, the revolution was simple: the same guests, the same checks, but some of the money stopped evaporating in “non-obvious” premium. If the scale and category HoReCa are close to you, it makes sense to ask commands ТАЧ! and bank your calculation: rates and tax burden on commission needed confirm in your contract, the numbers in the article are my working example, not a public one offer.
Connection and details according to VTB: form on the website or support@nfc-touch.ru.
