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СМПУ - Система массовых платежей Украины - Интегратор платежных решений

Payment Terminals - Bank Processing

LLC "SMPU" - Integrator of payment solutions

SMPU - System of mass payments of Ukraine - Integrator of payment solutions 0 (800) 50-18-66 SMPU - System of mass payments of Ukraine - Integrator of payment solutions www.smpu.net

Company System of Mass Payments of Ukraine

  • Modern banking processing OpenWay
  • Self-service terminals that meet modern requirements
  • Professional team

Modern banking processing

  • SMPU LLC has its own processing center.
  • SMPU LLC has its own processing center.
  • Banking processing from a recognized leader in the field of building banking and processing systems.
  • Transaction processing technology and terminal network support built on OpenWay software
  • The technology is certified in the Ukrainian processing center

Self Service Terminal

Платежный терминал экспресс оплаты SmartTerminal
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Data sheet:

  • Possibility to accept cash
  • The ability to accept plastic cards
  • Case steel
  • LCD matrix 17 'Samsung LTM170EU-L21
  • System unit DEPO SKY333
  • Motherboard CN10000EG
  • Speaker System 2WGenius SP-P110
  • Card reader CRT-284 (or any other motorized)
  • Pin Pad SZZT ZT598C
  • Cash-Code MSM bill acceptor
  • Stacker Cash-Code 1000 notes
  • Thermal printer STAR TCP 100 (or VKP80)
  • PO "Aptra Advanced NDC emulator"

our clients

  • JSC "Delta Bank"
  • PJSC "International Investment Bank"
  • LLC Automotive Group Bogdan Ukrainian Automobile Holding
  • LLC "PIONER MK"
  • PAT "Terra Bank"
  • LLC "InBank"
  • In the near future: BAT "Oschadbank", PJSC "BANK TAVRIKA" and others ...

Basic cooperation proposals

Modern banking processing and self-service terminals allow us to offer customers a high-quality, modern and reliable tool for receiving payments from the population when using various cooperation schemes:

  • customer service in the network of self-service terminals SMPU
  • installation of self-service terminals in the network of bank branches
  • installation of self-service terminals at agreed customer locations

SMPU LLC invites banks, financial and insurance companies, credit and settlement centers, retail chains, car dealership networks and car service stations, all interested in implementing modern and reliable methods and means of automating payment acceptance, to cooperate.

BUSINESS DIAGRAM

The business work scheme of the SMPU terminal self-service network complies with the legislative framework of Ukraine and is built in full accordance with the Resolution of the National Bank of Ukraine Board # 53 dated 03.03.2008 and subsequent clarifications set forth in the letters of the NBU.

BUSINESS DIAGRAM
* Click to open larger image

Relationship participants:

Clients (Payer) - individuals who make payments through terminals in favor of banks and other service providers;

SMPU - the owner of the terminals;

RB (settlement bank) - a bank using SMPU terminals on the basis of an agency agreement;

ПУ (service provider) - mobile operators, Internet providers, cable TV operators, utility providers, etc., in favor of which customers make payments.

The essence of the relationship:

SMPU concludes an agent agreement with RB on accepting payments. Under this agreement, SMPU installs terminals connected to SMPU processing at agreed payment acceptance points. SMPU on its own and at its own expense conducts maintenance of terminals and software support for such terminals. In addition, SMPU supports information exchange with the Republic of Belarus, and, if necessary, with PU.

Collection of terminals at payment acceptance points is carried out by the Republic of Belarus.

In the framework of existing agreements, the Republic of Belarus receives from the PU a commission (internal) from payments in their favor. In addition, by agreement of the parties, additional fees (external) are charged from individual customers. The agreed part of such a commission is paid by the SMPU as a reward to the agent for the services provided.

Information on the number and types of payments made by the Clients, as well as on the amount of money transferred by the Clients in favor of the Republic of Belarus, the Bank (hereinafter referred to as the reporting information), is received electronically in the Republic of Belarus and / or the Bank as part of the information exchange. Based on the reporting information and subject to the terms of the agency agreement, the Republic of Belarus makes settlements.

The above cooperation scheme is basic and can be upgraded in accordance with the wishes and needs of potential participants.

ABOUT COMPANY

The System of Mass Payments of Ukraine (LLC SMPU) is a Ukrainian operator of a network of self-service terminals for receiving payments in favor of banks, insurance and financial companies, mobile operators, cable television, utility bills and others. Coverage map - Kiev and major cities Ukraine. LLC "SMPU" has its own processing center, built on the software of one of the leaders in banking solutions company "OpenWay Technologies".

In the standard version, all self-service terminals of the SMPU LLC network provide customers with the opportunity to use cash and / or plastic cards of partner banks for settlements. For this, our processing center and our terminals are equipped with all necessary encryption and cryptography tools, as well as certified in the Ukrainian processing center.

Standard functionalities for clients: repayment of loans, replenishment of accounts, informing about account balance, mini statements, transfers from account to account. In addition, all terminals enable customers to pay for third-party services (mobile phones, cable TV, utility bills, etc.). The list of services provided to customers in a network of terminals is constantly updated by introducing new services.

MARKET BACKGROUND

Currently, according to NBU statistics, the number of terminal devices already installed in Ukraine is more than 60 thousand units (32.3 thousand devices are banking, 30.9 thousand devices are non-bank). At the same time, only in the last half year the banking segment of such devices decreased by almost 6 thousand units, while the non-banking segment grew by 8 thousand units. It should be noted that, despite the serious shortcomings of the proposed solutions, banks are forced to try to conclude agent agreements with terminal companies in search of additional channels for collecting funds. So, in the second half of last year, the volume of cash flows passing through the terminals increased by 56% compared to the first half of the year, to UAH 7 billion.

According to the NBU, at the beginning of this year, 76% of domestic financial institutions worked with payment terminals. At the same time, agency agreements with banks were concluded by 12 non-bank market participants.

TECHNOLOGICAL ADVANTAGES OF SMPU SOLUTIONS

The technological solution of SMPU is based on the processing of one of the largest companies in Europe, OpenWay Technologies, which is in partnership with LLC SMPU. Thus, the company SMPU in the field of terminal networks is the sole owner of "industrial processing" WAY4 "in Ukraine.

The self-service terminal manufactured by Bankcard (Slovakia) is taken as the basic device. This terminal is equipped with a bill acceptor and a card reader, which allows you to make any kind of payments using cash and plastic cards.

COMPANY CLIENTS

Today SMPU clients are: Delta Bank JSC, International Investment Bank PJSC, Bogdan Automotive Group LLC Ukrainian automobile holding, PIONER MK LLC.

The implementation of the project at BAT Oschadbank, PJSC Terra Bank, PJSC BANK TAVRIKA and others is under approval.

COATING

AT "Delta Bank"

ALCHEVSK, FRUNZE 45
ANTRATSIT, PETROVSKOGO 34-P
ANTRATSIT, PETROVSKOGO 34-P (2)
ARTEMOVSK, LENINA 13
BELAIA CERKOV, TEATRALNAIA 11/5
BERDYANSK, SHEVCHENKO 1/21
BORISPOL, KIEVSKIY SHLYAH 17A-2
BROVARI, GAGARINA 16
CHERKASI, SHEVCHENKO 100
CHERKASI, SHEVCHENKO 170
CHERNIGOV, MSTISLAVSKAYA 25
CHERNIGOV, MSTISLAVSKAYA 25
CHERNOVTSI, ZANKOVETSKOI 18
CHORTKIV, S.BENDERI 31
DNEPRODERZHINSK, SIROVTSA 23A
DNEPRODERZHINSK, SIROVTSA 23-A
DNEPROPETROVSK, GORKOGO 2
DNEPROPETROVSK, GORKOGO 2
DNEPROPETROVSK, KOSIORA 29-B
DNEPROPETROVSK, MIRONOVA 5
DNEPROPETROVSK, TITOVA 8
DNEPROPETROVSK, TITOVA 8 (2)
DONECK, PROSP.GRINKEVICHA 7
DONETSK, GRINKEVICHA 7
DONETSK, ILICHA 21-V
DONETSK, PANFILOVA 15-I
DONETSK, PR. KIEVSKY 73-D
DONETSK, PR. KIEVSKY 73-D (2)
DONETSK, SHEVCHENKO 100
DONETSK, SHEVCHENKO 100 (2)
DONETSK, UNIVERSITETSKA 46
DONETSK, UNIVERSITETSKA 46 (2)
DROGOBYCH, TEATRALNA 3
ENERGODAR, RADYANSKA 16
EVPATORIYA, PR. LENINA 51/50
FASTOV, SOBORNAYA 39
FEODOSIYA, KOROBKOVA 2-A
GORLOVKA, GAGARINA 46
GORLOVKA, GAGARINA 46 (2)
IRPEN, SHEVCHENKO 16
IVANO-FRANKOVSK, VASILIYANOK 22
IVANO-FRANKOVSK, BELVEDERSKAYA 27
IZMAIL, LENINA 21
KALUSH, PODVALNAYA 4A
KAMENETS-PODOLSK, L.UKRAINKI 35/8
KERCH, KURSANTOV 20
KHARKOV, AHSAROVA 16
KHARKOV, AK. PAVLOVA 120-A
KHARKOV, AK. PAVLOVA 120-A (2)
KHARKOV, LENINA 32
KHARKOV, PRAVDI 17
KHARKOV, PRAVDI 17 (2)
KHARKOV, SHEVCHENKO 100
KHERSON, 200 LET KHERSONA 35-A
KHERSON, 200LET KHERSONA 3-A (2)
KHMELNITSKIY, KAMENETSKAYA 52
KIEV, BAGANA 5G
KIEV, FRUNZE 127
KIEV, FRUNZE 127
KIEV, G.STALINGRADA 8 KORP 5
KIEV, KOMINTERNA 13-135
KIEV, MIHAYLOVSKAYA 18
KIEV, O.TELIGY 27
KIEV, PETLURI 13/135
KIEV, PR. POBEDI 20A
KIEV, PR.BAZHANA 5-G
KIEV, PR.GAGARINA 15A
KIEV, SAKSAGANSKOGO 44
KIEV, SHEKAVITSKAYA 30/39
KIEV, SHERBAKOVA, 53
KIEV, SHORSA 36-B
KIEV, STOITELEY 38/14
KIEV, STROITELEY 38/14
KIEV, UL.FRUNZE 127
KIEV, VASILKOVSKAYA 6
KIEV, VOZDUHOFLOTSKIY 58 (2)
KIEV, VOZDUHOFLOTSKY 58
KIROVOGRAD, NABEREJNAYA 9
KIROVOGRAD, NABEREZHNAYA 9
KONOTOP, SHEVCHENKO 73
KOVIL, SAGAYDACHNOGO 6-B
KRAMATORSK, MARATA 14
KRAMATORSK, MARATA, 14
KREMENCHYG, KRASINA 89A
KREMENCHYUK, PROLETARSKAYA 22/13
KRIVOY ROG, KREMLEVSKAYA 21
KRIVOY ROG, MYSORGSKOGO 14
KRIVOY ROG, MYSORGSKOGO 14 (2)
KRIVOY ROG, PR. MIRA 33
KRIVOY ROG, PR. MIRA33
LUGANSK, GEROEV VOV 10
LUGANSK, GEROEV VOV 10 (2)
LUGANSK, SHELKOVOGO 31
LUGANSK, SHELKOVOGO 31 (2)
LUTSK, SLOVACKOGO 12
LUTSK, SLOVATSKOGO 12
LVOV, CHERNOVOLA 67-B
LVOV, CHERVONOY KALINI, 64
LVOV, GEROIV UPA 18
LVOV, KOPERNIKA 10
LVOV, KOPERNIKA, 10
MAKEEVKA, LENINA 57A
MAKEEVKA, LENINA 57-A
MAKEEVKA, LENINA, 57A
MARIUPOL, METALURGOV 68
MARIUPOL, PR. METALLURGOV 68
MARIUPOL, PR.POBEDY 98
MELITOPOL, FRUNZE 54
MUKACHEVO, MIRA 3
NEZHIN, BATUKA 1
NIKOLAEV, PR.LENINA 22
NIKOLAEV, SPASKAYA, 52A
NIKOLAEV, SPASSKAYA 52-A
NIKOPOL, SHEVCHENKO 175/23
NOVA KAHOVKA, PERSHOTRAVNEVA 1A
NOVOVOLINSK, VINNICHENKO 6
ODESSA, GLUSHKO 11-I
ODESSA, LANZHERONOVSKA 17
ODESSA, LANZHERONOVSKAYA 17
ODESSA, PUSHKINSKA 31
ODESSA, PUSHKINSKA31
OLEXSANDRIA, LENINA 54
PAVLOGRAD, GORKOGO 145
PAVLOGRAD, GORKOGO 145 (2)
POLTAVA, 23 VERESNYA 13
POLTAVA, 23 VERESNYA 13 (2)
POLTAVA, KOMSOMOLSKAYA 34-A
POLTAVA, SENNAYA 2-49
PRILUKY, NEZAVISIMOSTY 61-A
ROVNO, CHERNIAKA 2
ROVNO, CHERNIAKA 2 (2)
SARNY, BELGORODSKA 9-2
SEVASTOPOL, G. PETROVA 10
SEVASTOPOL, GENERALA PEROVA, 10
SEVERODONETSK, DONETSKAYA 52
SEVERODONETSK, DONETSKAYA 52 (2)
SIMFEROPOL, TURETSKAYA 14
SIMFEROPOL, TIRECKAYA 14
STRYI, USPENSKA 48
SUMY, 9-TRAVNYA 4
SUMY, 9-TRAVNYA, 4
SUMY, KIROVA 6
SUMY, KIROVA 6 (2)
TERNOPOL, M. SHEPTITSKOGO 2
TERNOPOL, M. SHEPTITSKOGO 2 (2)
UMAN, OKTYABRSKOI REVOLUTSIYI 78
UZHGOROD, POBEDI 11-B
UZHGOROD, POBEDI 11-B (2)
VINNITSA, PERVOMAYSKAYA 43
VINNITSA, PR.KOTSUBINSKOGO 4
VINNITSA, PR.KOTSUBINSKOGO 4 (2)
VOZNESENSK, KIROVA 20A
YALTA, GOGOLYA 24
ZAPOROGHYE, LAHTINSKAYA 13
ZAPOROGHYE, LENINA 212
ZAPOROGHYE, LENINA 212 (2)
ZAPOROZHYE, LENINA 146
ZAPOROZHYE, LENINA 36
ZAPOROZHYE, LENINA 36
ZHELTIYE VODI, GAGARINA 10-47
ZHITOMIR, KIEVSKA 102
ZHITOMIR, KIEVSKA 102
ZHITOMIR, LVOVSKA 2/8
ZHITOMIR, LVOVSKA 2/8 (2)
ZOPOROGE, LENINA 36

Bogdan Corporation

m.Kiev, vul. Novokonstantinіvska 1A Kozin village, ZhBK Chistovodya 23

LLC "TerraBank"

CHERKASI, GOGOLYA, 250
CHERNIGOV, POBEDI, 91
CHERNIVCI, GOLOVNA, 189
DNEPROPETROVSK, PUSHKINA, 30
DNEPROPETROVSK, TITOVA 8
DONECK, CHELUSKINCOV 105
HARKOV, IVANOVA, 11/13
HERSON, KOMSOMOLSKAYA, 31
HMELNICKIY, PROSKYRIVSKA, 58
IVANO-FRANKOVSK, GARKYSHI, 24
KIROVOGRAD, VINNICHENKA, 1
KIROVSK, BORISOVA, 14A
KOLOMIYA, TUTUNNIKA, 2
KREMENCHYG, PROLETARSKAYA, 30
KRIVOY ROG, 4 ZARECHNIY, 109
KRIVOY ROG, CILKOVSKOGO, 7/2
KRIVOY ROG, KORNEYCHYKA 9/74
KRIVOY ROG, KOSIORA, 17/4
KYIV, BUL. DRUJBI NARODIV, 28 B
KYIV, CHERVONOZORIANIY, 5
KYIV, KYDRIAVSKIY SPYSK, 2
KYIV, PUSHKINSKAYA, 5
KYIV, SRIBNOKILSKAYA, 24
LUGANSK, OBORONNAIA 4
LUTSK, SENATORA, 1/1
LVOV, GAZOVAYA 36/2
NIKOLAEV, FALEEVSKAYA, 1
NOVOSELISHE, CENTRALNAYA, 108
ODESSA, BALKIVSKA, 22A
ODESSA, PASTERA, 52
POLTAVA, LENINA, 16
ROVNO, PERESOPNICKA, 8
SIMFEROPOL, KIROVA, 14
STAHANOV, DZERGINSKOGO, 30A
SUMI, NABEREGNAYA STRILKI, 22
TERNOPOL, S. BANDERI, 33
UJGOROD, SHVABSKAYA, 11
VINNICA, GRUSHEVSKOGO, 22
ZITOMIR, KIEVSKA 59
ZOPOROGE, SVERDLOVA 23A

LLC "PIONER MK"

m.Kiev, vul. Mechnіkov 5
m.Kiev, vul. Bogatirska 3D
m.Kiev, vul. Zhukovskogo 22

LLC "UkrInBank"

m.Kiev, vul. Smirnova-Lastochkina 10A

Advantages of the terminal owner:

  • The program is specially designed and debugged for ease of maintenance, reliability and security.
  • Minimum costs for organizing a business.
  • The ability to install a payment terminal in any place where there is mobile communication.
  • The terminal is equipped with a wireless GPRS / GSM modem and the ability to connect to an office LAN.
  • Data transfer using the Internet channel is based on VPN GPRS technologies.
  • The activity of accepting payments from the terminal, subject to working with our company, is not subject to licensing.
  • You receive a commission from each payment made
  • You monitor the terminal in real time via the Internet: checking the connection, the number of bills, the end of the check tape, unauthorized access, etc.
  • The instant payment terminal is compact.
  • The payment terminal is economical.
  • You can accept payments around the clock, 24 hours a day, 365 days a year, excluding the cost of paying the cashier-seller, significantly reducing the cost of the rented area, since you only need 1 sq.m. Plus, there are no costs for the purchase of a cash register and the equipment of an operator’s trading place.
  • The costs of servicing one machine are not large; these are collection, replacement of thermal printer paper and payment for GPRS communication.
  • The machine is fully autonomous and does not require, in addition to servicing, any human involvement. When using such automated payment acceptance, it will be easier for you to negotiate a rental space for a kiosk in supermarkets and large stores, where there is an acute problem with free space.

User Benefits:

  • The subscriber can easily carry out express replenishment of personal accounts (payment is credited within a few seconds).
  • An automatic payment acceptance terminal provides a wide selection of federal and regional service providers.
  • For payment, no additional steps need to be taken (activate a prepaid card).
  • The balance can be replenished for any amount, it is not associated with the values ​​of prepaid cards.
  • Account replenishment is possible at any point of payment acceptance, regardless of its geographical location.
  • All information through the payment acceptance terminal is transmitted over a secure connection.

Choosing a payment terminal location

Little tricks to help you

Each month, the number of established payment kiosks in large cities is growing and you can only envy the pioneers of this business, who managed to occupy the most profitable places and secured a steady flow of customers, but what about those who have just started their business in accepting payments? How to take your "place in the sun" in this profitable business, because its potential is only increasing.

One of the most frequently asked questions to the specialists of SMPU LLC, the customers who are going to start their own business, is to give recommendations on the issue of choosing the optimal installation location for touch kiosks, because for everyone it is obvious that the location of the terminal in the way of customer flows is effective work and determines the amount of profit brought to its owner.

Is it possible to single out the factors that must first be considered when choosing a place?
Below we provide the recommendations of the specialists of LLC "SMPU" on this issue.

You can familiarize with the full version of the document on the website of the LLC SMPU company.
First of all, it is necessary to take into account the buyer's gravity zone, which is determined by the distance from the store, the organization where you intend to put the terminal to the place of residence or work (from work) of the customers.

Given the great saturation of retail outlets in all areas of the city, it is necessary to rely mainly on those customers who can be from a given place in a radius of 400-800 meters.

To plan the placement of devices, it is necessary to put on the map of the district all existing retail outlets of a similar profile, including markets, GELs, etc., as well as traffic routes and real pedestrian routes.

Finally, the number of people living in the area, the number, type and size of nearby businesses, the number of people coming to work from other areas of the city should be estimated.

It is also necessary to take into account information about the terminals installed by competitors in the area.

Based on the results of the analysis, the potential number of customers who will use the terminal services is determined.

It is advisable to identify several possible options for placing stalls and to conduct an objective comparison between them. The following is an example of such an analysis.


Before planning the installation location of your kiosks, use these simple rules to determine the optimal location:
1. Kiosks in the most crowded places will attract the largest number of customers, this is a well-known truth that is key, first of all. If you want a touch kiosk to attract many users, put it where there are a lot of people.

2. Sometimes a lower passability of people is significant and more profitable - it depends on the type of kiosk and the services it provides. For example, such electronic kiosks, photo kiosks or Internet kiosks require a longer time to work. They should be placed in places where users will not create problems with the passage of the flow of people during service in the touch kiosk.

3. Do not succumb to the entreaties of landlords to install a kiosk where there is already a power outlet. This will be convenient for the landlord, but not for users of your touch kiosk. A kiosk installed in an inconvenient place, but with a ready-made outlet, is less cost-effective than hiring an electrician to install the outlet where the kiosk should stand and bring big profit.

4. Remember accessibility for your users. Do not place stalls near objects that could limit their use - narrow aisles, corners, trade equipment, furniture, etc.

5. Remember the availability for kiosk service. Sometimes access to the kiosk from the front is not enough, sometimes there is a need to access the back of the terminal. The presence of ample space around the kiosk will allow you to move it as you need, and provide a large amount of workplace for the service staff.

Good luck in business!

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