QR-код как оплата всего

Практически ни в одном магазине "шаговой доступности" клиент не может оплатить покупки картой - нет POS-терминала. Изменить эту ситуацию решил проект Smart POS и его технический директор Олжас Ахметов.

Идея таких платежей пришла из другого проекта. Мы занимались продажей и установкой POS-терминалов для бизнеса. Цена на терминал начинается от 100 тыс. тенге и выше. Есть еще Minipos за 20 тыс. тенге. Подключение занимает от 2 до 4 недель, и это только Алматы, в регионах еще дольше.

С 1 января 2016 года юридические лица обязаны установить POS-терминал, однако, до сих пор более 300 тыс. небольших предприятий в Казахстане нуждаются в терминале. Для многих ИП даже 20 тыс. тенге – барьер для приобретения POS.

Тогда мы решили разработать простой и дешевый способ безналичных платежей через QR-код. Назвали проект Smart POS, а сделали его буквально за 2 недели. Smart POS это QR-код с зашитыми в него реквизитами предпринимателя. Клиент на смартфоне открывает любое мобильное приложение QR-сканер. Сканирует код на кассе или на продающей странице в интернете и переходит на веб-страницу оплаты, где вносит реквизиты своей карты и производит оплату за товары и услуги, в пользу предпринимателя. Получая электронный чек на почту и SMS.

Мы нашли знакомых, у которых есть небольшой магазин, где можно было бы протестировать наш продукт. Предпринимателю и клиентам проект понравился, мы стали его улучшать, красиво упаковали. Цена в два раза дешевле, чем Minipos – 9900 тенге с активацией за сутки.

За первых полтора месяца договорились с более 15 дилерами в 17 городах. Продано более 1000 Smart POS. Подписано более 120 предпринимателей из 12 городов РК, проведено больше 100 транзакций. Комиссия с транзакции 2,5%, но с увеличением количества клиентов мы сможем делать cashback в сотрудничестве с банками. Работаем над подобным мобильным приложением для лояльности клиентов с функцией сохранения карты.

Некоторые новые функции мы уже ввели: Smart Link и NFC. Smart Link это специальная ссылка на реквизиты предпринимателя в системе Smart POS, выслав эту ссылку клиенту по SMS или WhatsApp, предприниматель может получить от него деньги на свой счет, без сканирования QR кода. К примеру, те же Instagram предприниматели могут удаленно получить деньги от клиента с другого города и выслать ему товар посылкой. А также мы внедрили технологию NFC для нашего продукта. NFC это специальная метка, вшитая в Smart POS, прикладывая смартфон к которому, клиент может моментально перейти на страницу оплаты, без использования дополнительных приложений.

Сейчас наши клиенты это малые предприниматели - магазины одежды, продуктовые магазины, салоны красоты, СТО, автомойки, таксопарки, доставка еды, интернет-магазины и продавцы через Instagram. Для каждого клиента мы можем кастомизировать наш продукт. Например, генерировать страницы каждого отдельного заказа для доставщиков еды.

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Проектом интересуются из России, Киргизии, Украины, Грузии и Бельгии. Наше решение уникально для СНГ, нет подобного решения для офлайн-бизнеса. Есть похожие проекты в Юго-Восточной Азии. Сейчас мы столкнулись с тем, что дилеры дорогих POS-терминалов пытаются помешать нам в развитии. Пишут нашим партнерам, что нам нельзя доверять, оставляют плохие отзывы.

В течении года мы планируем подписать более 10 тыс. предпринимателей, также у нас на подходе дополнительный продукт Online Kassa – дешевый портативный кассовый аппарат и мобильное приложение для смартфонов, которое будет передавать данные сразу в налоговую систему в соответствии с новым законом об онлайн ККМ.

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Author avatarИван ИвановAug 24, 2016, 5:03:10 PM
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Author avatarИван ИвановAug 24, 2016, 7:06:07 PM

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