Payment terminals - bank processing
LLC "SMPU" - Payment solution integrator
0 (800) 50-18-66
Www.smpu.net
The system of mass payments of Ukraine
- Modern banking processing OpenWay
- Self-service terminals that meet modern requirements
- Professional team
Modern bank processing
- LLC SMPU has its own processing center.
- LLC SMPU has its own processing center.
- Banking processing from the recognized leader in the field of building banking and processing systems.
- Transaction processing technology and terminal network support is built on OpenWay software
- The technology is certified in the Ukrainian Processing Center
Co-Service Terminal
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Data sheet:
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our clients
- JSC "Delta Bank"
- PJSC "International Investment Bank"
- LLC "Automobile Group Bogdan" Ukrainian Automobile Holding
- Open Company "PIONER MK"
- Pat Terra Bank
- InBank LLC
- In the near future: VAT "Oschadbank", PJSC "BANK TAVRICA" and others ...
Basic proposals for cooperation
Modern banking processing and self-service terminals allow customers to offer a quality, modern and reliable tool for accepting payments from the public using various schemes of cooperation:
- Customer service in the network self-service terminals SMPU
- Installation of self-service terminals in the network of bank branches
- Installation of self-service terminals at agreed points of customers
SMPU LLC invites to cooperation banks, financial and insurance companies, credit and settlement centers, retail networks, car dealership and car service stations, all interested in the introduction of modern and reliable methods and means of automated payment acceptance.
BUSINESS SCHEME
The business scheme of the self-service terminal network of the SMPU company corresponds to the legislative base of Ukraine and is built in full compliance with the Resolution of the Board of the National Bank of Ukraine # 53 of 05.03.2008 and subsequent explanations contained in NBU letters.
* Click to open a larger image
Participants in the relationship:
Clients (Payer) - individuals who make payments using terminals, in favor of banks and other service providers;
SMPU is the owner of terminals;
RB (settlement bank) is a bank that uses SMPU terminals on the basis of an agency contract;
IP (service provider) - mobile operators, Internet providers, cable TV operators, utilities providers, etc., in favor of which customers make payments.
The essence of the relationship:
SMPU concludes an agency agreement with the Republic of Belarus on accepting payments. Under this agreement, the SMPU establishes terminals connected to the processing of SMPU at agreed payment acceptance points. SMPU in its own strength and at its own expense conducts terminal maintenance and software support for such terminals. In addition, the SMPU supports information exchange with the Republic of Belarus, and, if necessary, with the IP.
Collection of terminals at the payment acceptance points is carried out by the Republic of Belarus.
Under existing agreements, the Republic of Belarus receives a commission (internal) from the IP with payments in their favor. In addition, upon the agreement of the parties, an additional commission (external) is levied on the clients-individuals. The coordinated part of such a commission is paid by the RB to the SMPU as a reward to the agent for the services provided.
Information on the number and types of payments made by the Customers, as well as on the amount of money transferred by the Customers to the benefit of the Republic of Belarus, the IP (hereinafter referred to as reporting information) is received electronically by the RB and / or IP within the framework of information exchange. Based on the accounting information and taking into account the terms of the agency agreement, the Bank makes mutual settlements.
The above scheme of cooperation is basic and can be modernized in accordance with the wishes and needs of potential participants.
ABOUT COMPANY
The company "Mass Payments System of Ukraine" (SMPU LLC) is the Ukrainian operator of a network of self-service terminals for accepting payments to the benefit of banks, insurance and financial companies, mobile operators, cable television, utility payments, etc. Coverage map - Kiev and major cities Ukraine. LLC "SMPU" has its own processing center, built on the software of one of the leaders in the field of banking solutions of the company "OpenWay Technologies".
In the standard version, all self-service terminals of the SMPU network offer customers 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 the necessary encryption and cryptography tools, and are also certified in the Ukrainian processing center.
Standard functionality for clients: repayment of loans, replenishment of accounts, information on the account balance, mini statements, transfers from account to account. In addition, all terminals allow customers to pay for the services of third parties (mobile phones, cable TV, utility bills, etc.). The list of services provided to customers in the terminal network is constantly being replenished by the introduction of new services.
MARKET BACKGROUND
At present, according to NBU statistics, the number of already installed terminal devices in Ukraine is more than 60 thousand pieces (32.3 thousand devices are bank devices, 30.9 thousand devices are non-banking devices). At the same time, only for 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 pieces. It should be noted that, despite the serious shortcomings of the proposed solutions, banks are forced to try to conclude agency contracts with terminal companies in search of additional channels for collecting money. 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-year - up 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, 12 non-bank market participants signed agency agreements with banks.
TECHNOLOGICAL ADVANTAGES OF THE SPSU SOLUTION
The technological solution of SMPU is based on the processing of one of Europe's largest companies "OpenWay Technologies", which is in partnership with LLC "SMPU". Thus, the SMPU company in the field of terminal networks is the sole owner of "industrial processing" WAY4 "in Ukraine.
For the basic device is accepted self-service terminal produced by the company "Bankcard" (Slovakia). This terminal is equipped with a bill acceptor and a card reader, which allows you to make any kinds of payments, using cash and plastic cards.
CLIENTS OF THE COMPANY
Already today SMPU customers are: Delta Bank, PJSC International Investment Bank, Bogdan Automobile Group, Ukrainian Automobile Holding, PIONER MK LLC.
In the process of approval, the project is being implemented in the "Oschadbank", "Terra Bank", PJSC "BANK" TAVRIKA "and others.
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, MYSOORGSKOGO 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, TYRECKAYA 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 |
Corporation Bogdan
| M. Kiiv, Vul. Новоконстантинівська 1A | Town of Kozin, ZhBK Chistovoddy 23 |
TerraBank LLC
| 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 |
Open Company "PIONER MK"
| M. Kiiv, Vul. Мечнікова 5 M. Kiiv, Vul. Bogatirska 3D |
M. Kiiv, Vul. Zhukovsky 22 |
LLC "UkrInBank"
M. Kiiv, Vul. Смірнова-Ласточкіна 10А
Advantages of the terminal owner:
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Advantages for the user:
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Selecting the location of the payment terminal
Little tricks that will help you
With each month the number of installed payment kiosks in major cities increases and one can only envy the pioneers of this business, who managed to occupy the most profitable places and secured a constant flow of customers, but what to do to those who have just started their business in accepting payments? How to take your "place under the sun" in this profitable business, because its potential only increases.One of the most frequently asked questions for SMPU specialists is that clients who are going to start their own business are kindly asked to give advice on choosing the optimum location for sensor kiosks, because it is obvious to everyone that the location of the terminal in the way of flow of customers is the main factor in it Effective work and determines the amount of profit brought to its owner.
Can you identify the factors that must be taken into account first when choosing a location?
Below we give the recommendations of the specialists of LLC "SMPU" on this issue.
With the full version of the document you can find on the website of the company "SMPU" .
First of all, you need to take into account the customer's gravity zone, which is determined by the distance from the store, the organization where you are going to put the terminal to the place of residence or work (for work) of clients.
Considering the high saturation of retail outlets in all districts of the city, it is necessary to rely mainly on those customers who can be located from a given location within a radius of 400-800 meters.
To plan the placement of vehicles, it is necessary to put on the map of the area all operating outlets of a similar profile, including markets, lari and others, as well as traffic routes and real routes for pedestrians.
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 parts of the city should be estimated.
It is also necessary to take into account information on terminals installed by competitors in the area.
Based on the results of the analysis, the potential number of clients who will use the services of the terminal is determined.
It is advisable to identify several possible options for placing stalls and make an objective comparison between them. The following is an example of such an analysis.
Before planning the location of your kiosks, use these simple rules to determine the optimal placement point:
1. Kiosks in the most crowded places will attract the largest number of customers, this is a well-known truth, which is key, first of all. If you want the touch kiosk to attract a lot of users, put it where there are a lot of people.
2. Sometimes the lower passability of people is significant and more profitable - it depends on the type of kiosk and the services that it provides. For example, such electronic kiosks, photo kiosks or Internet kiosks require a longer time to work. They should be located in places where users will not create problems with the flow of people, during the service in the touch kiosk.
3. Do not be persuaded by landlords to install a kiosk where there is already a power outlet. It will be convenient for the landlord, but not for users of your touch-screen kiosk. A kiosk installed in an inconvenient place, but with an available ready-made outlet, is less cost-effective than hiring an electrician to install the outlet to where the kiosk should stand and bring more profit.
4. Remember the availability for your users. Do not put kiosks near objects that might limit their use - narrow aisles, corners, commercial equipment, furniture, etc.
5. Remember the availability for the service kiosk. It is not enough sometimes to access the kiosk from the front, sometimes there is a need for access to the back of the terminal. The presence of ample area around the kiosk will allow you to move it as you need, and provide a large amount of work space for the staff of the service.
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