At present, the retailer receives 97-99% of the consumer's purchase price when paying for goods and services. The rest is used to pay for acquiring. The largest component of the acquiring tariff is the commission that the bank servicing card payments pays to the bank that issued the card. This is the “interbank commission”. Its value depends on the class of the card.
Interbank commissions for cards in the Standard category will rise only by 1.1-1.2% - up to 1.65%. For Gold cards from 1.15-1.25% to 1.7%, for Platinum - from 1.58-1.68% to 2.13%. The highest rates will be for the new ultra-premium Titanium cards at 2.45%.
We'd like to note that the Russian banking community is against the regulation of acquiring.
It's worth reminding that last year banks increased the commission for payments with bank cards in online stores. This happened due to the fact that the Central Bank did not extend the preferential acquiring rate of 1%. The tariffs of Sberbank, VTB, Gazprombank, Russian Standard, Alfa-Bank, Credit Bank of Moscow and Otkritie returned to their pre-crisis levels.
Acquiring costs, along with lease payments and taxes, have become a significant part of the costs for entrepreneurs due to the drop in customer traffic.