Point: Acquiring

Main article: Acquiring (processing)

2023: Acquiring launch

Point Bank on April 20, 2023 announced the launch of acquiring on its own license.

Trading terminals and Internet acquiring Points accept payments with bank cards.

Payment through acquiring Points takes place almost instantly, and the entrepreneur can receive funds to the account within two hours on any day of the week. This is especially valuable on long holidays, when due to days off, the entrepreneur receives money to the account only after their completion.

Tochka has two types of acquiring: trading and Internet acquiring. In the first case, the Customer Order Point prepares an electronic terminal, which, after setting up, sends it to it. If the buyer wants to pay for the goods with a card, then the seller simply enters the amount and invites the buyer to attach or insert the card. After that, as an acquiring bank, we send a request to the issuing bank that issued the card to the buyer. If we get a positive answer, then the purchase is confirmed and the required amount on the buyer's account is blocked. The terminal prints a check with a successful payment status so that the seller understands that the money will go to his account and can give the goods or provide a service. In the case of Internet acquiring, the seller can create a link to payment and send it to his buyer in instant messengers or by mail. Also, an entrepreneur can add payment functionality to the site so that the client himself pays for the positions he needs, "explained Anatoly Semenenko, product manager of the Acquiring service at the Point.

At the beginning of 2023 CENTRAL BANK Russia , it issued a universal license to the Point for banking operations with funds rubles in and foreign currency (with the right to attract funds from individuals into deposits) and for banking operations with precious metals.