Олег Гороховский подверг резкой критике законопроект №4364, лоббируемый Владиславом Чечёткиным (Rozetka).
В Верховную Раду подан законопроект №4364, который предлагает законодательно ограничить размер комиссии за эквайринг, который банки устанавливают для торговцев при приеме карт к оплате. Сегодня этот тариф составляет 1,8-2,7%.
Представители крупных торговых сетей законопроект активно лоббируют и продвигают.
Основные тезисы, которые они используют, вчера вечером изложил в своем посте владелец компании ROZETKA Владислав Чечёткин.
- В Европе этот тариф отрегулирован и законодательно ограничен. Примем закон и станем «ближе к ЕС»
- Если закон будет принят, мы предложим лучшую цену
- Банки зажрались и берут драконовские тарифы
- Если для большого бизнеса это тяжело, то для малого или начинающего предпринимателя - это вообще непосильная ноша.
- Закон будет способствовать развитию «кешлэсс», так как сегодня «обслуживание наличного оборота стоит в разы дешевле»
Кажется, ничего не упустил.
С такими аргументами, конечно, можно не то, что тариф отрегулировать, можно вообще закрыть все банки к чертовой бабушке.
Но вот, что я вам скажу и очень надеюсь, что это прочтут уважаемые законодатели.
Сегодня есть чуть ли не единственная отрасль в стране, которой Украина может действительно гордиться и которая считается одной из самых технологически развитых в мире - это развитие карточных технологий, технологий платежей и карточная инфраструктура.
Европе давно уже нечем похвастать в этом направлении. Карты там все платные, в каждом терминале тебе норовят предложить конвертацию и если ты зазеваешься и ошибешься с выбором, заплатишь дополнительно 5-10%. В некоторых странах ты не можешь оплатить не то что с использованием смартфона, но и не поддерживается чип и платишь как в 1995 году магнитной полосой. Регуляция, которая ввела это ограничение считается вредной и провальной. За нее с лихвой заплатили клиенты европейских банков.
Снизились ли после нее цены в Европе? Конечно, нет.
Здесь есть большая несправедливость и очень серьезное противоречие.
Этот тариф торговцы хотят опустить на 1-1,5%, что составляет примерно 60% от действующих тарифов. 60%! При этом снижение их затратной части составит, в зависимости от наценки, около 2-2,5%.
Удивительная история - забрать у кого-то 60% его дохода, чтобы сэкономить себе 2%.
Карточная инфраструктура не прилетела к нам на голубом вертолёте и не появилась в стране по решению Верховной Рады или правительства, это многолетняя, кропотливая работа, которая потребовала сотни миллионов долларов инвестиций, титанических усилий всех участников рынка и тысячи часов ИТ-разработок.
Сегодня все, что касается карт и платежей для клиентов банков ничего не стоит. Банки бесплатно раздают карты, конкурируют друг с другом программами лояльности и борются за внимание клиентов. Этот тариф, который пытаются «отжать» - топливо всего карточного и платежного бизнеса в стране. Более половины его достается клиентам в виде всякого рода кешбэков и бонусов, им оплачивается стоимость пластика и логистики карт, им банки покрывают затраты на фрод. Эта история не про прибыль, а про то, чтобы у всех клиентов появился инструмент с помощью которого можно будет быстро выдать клиенту кредит (если клиент захочет) и на этом потом может быть заработать.
Уберем топливо - машинка заглохнет.
Пропадут кешбэки, станут платными карты, парк терминалов никто не будет обновлять.
В конечном счете, проиграют клиенты и торговцы. Ну и «кешлесс» точно не наступит, что собственно может быть кому-то и на руку, так как наличный оборот «в разы дешевле» только в одном случае, если он не попадает под налоги, в противном случае, это те же затраты плюс нереальный геморрой с инкассацией, фродом и безопасностью.
Но это же очень по-нашему выколоть себе глаз, чтобы соседу выкололи два.
Искать причины своих проблем ни в своей недостаточной эффективности, а во внешних обстоятельствах.
Под этим постом Владислава «в защиту малого бизнеса» «подзащитные» очень справедливо привели тарифы Rozetka за размещение маленькими предпринимателями товаров на их маркетплейсе - 15-20-25% комиссии почти по всей номенклатуре. На этот аргумент Владислав возразил, что более 90% этого тарифа забирает Google и Facebook. Я считаю, что их тоже стоит отрегулировать! Хватит пить кровь у представителей малого бизнеса своими драконовскими расценками на продвижение!
Мораль у этой истории такая - нельзя регулировать то, что рынок регулирует самостоятельно.
Прочтите «Атлант расправил плечи» и займитесь, пожалуйста, более насущными для законодателей проблемами. Уже третий локдаун в стране - малого бизнеса скоро не останется и точно не из-за комиссии на эквайринг. А если все же решите её отрегулировать, не забудьте, пожалуйста, отрегулировать заодно наценки на бытовую технику, продукты питания и одежду.
I would like to show some thanks to this writer for bailing me out of this type of dilemma. Just after looking out through the search engines and finding suggestions which are not beneficial, I believed my entire life was over. Being alive without the presence of strategies to the difficulties you have sorted out as a result of your guide is a crucial case, as well as ones that might have in a wrong way damaged my career if I hadn't encountered your web site. Your actual expertise and kindness in dealing with all the stuff was crucial. I am not sure what I would've done if I had not discovered such a solution like this. I can also at this time look forward to my future. Thanks so much for the reliable and effective help. I will not be reluctant to propose your site to anybody who desires support on this subject matter.
kobe 11 http://www.kobebasketballshoes.net
I really wanted to develop a brief note in order to thank you for those nice instructions you are placing here. My time intensive internet research has at the end of the day been compensated with awesome facts to write about with my pals. I would state that that many of us readers are unequivocally fortunate to exist in a perfect website with so many brilliant individuals with helpful pointers. I feel rather happy to have seen the website and look forward to plenty of more pleasurable moments reading here. Thanks once more for everything.
birkin bag http://www.birkinbag.us.com
Thanks so much for providing individuals with such a splendid chance to read critical reviews from this site. It really is very excellent and jam-packed with a good time for me personally and my office acquaintances to visit your site minimum three times every week to learn the latest stuff you have. Of course, I'm at all times fulfilled concerning the spectacular tactics served by you. Certain 1 ideas on this page are easily the most suitable we have ever had.
I am only writing to make you be aware of what a excellent experience my wife's girl had browsing your webblog. She came to find a good number of details, not to mention what it's like to have a great helping mood to make men and women really easily comprehend various multifaceted issues. You really exceeded our expected results. I appreciate you for rendering those necessary, trusted, informative and also cool tips on the topic to Lizeth.
kyrie 4 http://www.kyrie4shoes.us
I simply had to thank you so much all over again. I do not know what I could possibly have gone through in the absence of those points shared by you concerning such a problem. It absolutely was the traumatic circumstance for me, nevertheless taking note of a new professional tactic you solved it made me to leap for gladness. Now i am happy for the work and in addition hope that you know what an amazing job that you are undertaking instructing men and women through the use of a site. I am certain you've never encountered all of us.
goyard handbags http://www.goyardhandbag.com
My spouse and i have been very comfortable that Ervin managed to carry out his homework out of the precious recommendations he got out of the site. It's not at all simplistic just to always be giving out secrets and techniques which often other people may have been trying to sell. We really grasp we have got the writer to give thanks to for that. All of the illustrations you made, the easy web site navigation, the relationships you make it easier to instill - it is mostly exceptional, and it's really aiding our son in addition to our family understand that issue is pleasurable, which is certainly highly serious. Many thanks for everything!
alexander mcqueen http://www.alexandermcqueenoutlet.us
I truly wanted to construct a simple comment to appreciate you for all the amazing items you are giving out on this website. My particularly long internet search has now been rewarded with extremely good ideas to write about with my visitors. I 'd admit that we visitors are unquestionably endowed to dwell in a notable community with many outstanding individuals with useful advice. I feel really fortunate to have encountered the webpages and look forward to plenty of more brilliant moments reading here. Thank you once again for everything.
supreme clothing http://www.supremeclothings.com
I'm commenting to let you be aware of of the perfect encounter my cousin's child obtained reading through your web site. She learned numerous details, including how it is like to have an ideal giving mood to let other people with no trouble thoroughly grasp various complex issues. You really surpassed our expectations. I appreciate you for offering such precious, trustworthy, explanatory as well as unique guidance on that topic to Gloria.
off white jordan 1 http://www.offwhitexjordan1.com
I am only writing to make you understand what a outstanding discovery my cousin's princess enjoyed reading through the blog. She noticed a wide variety of pieces, not to mention what it's like to have a very effective helping style to let the rest completely learn selected complex things. You truly exceeded readers' expected results. Thank you for presenting the useful, healthy, explanatory not to mention unique tips about the topic to Kate.
air jordans http://www.cheap-airjordans.us.com
I simply desired to thank you so much all over again. I am not sure the things I would've accomplished without the actual recommendations discussed by you concerning this field. Certainly was a real horrifying situation in my circumstances, but encountering the very skilled fashion you dealt with the issue made me to jump with gladness. Now i am grateful for the guidance as well as hope that you know what a powerful job you were undertaking instructing men and women by way of your blog post. I am sure you have never encountered any of us.
supreme clothing http://www.supremeshoodie.com
I needed to put you one little observation so as to give many thanks the moment again for the breathtaking tips you have shown on this website. This has been certainly strangely open-handed of people like you to supply publicly all that a number of people could have offered for an electronic book to generate some dough for themselves, chiefly considering that you could have tried it if you ever considered necessary. These good tips as well served to be a great way to be sure that other people online have the same passion the same as my own to find out more with respect to this issue. I believe there are numerous more pleasurable instances in the future for individuals that looked at your site.
lebron james shoes http://www.lebron18shoes.us
I truly wanted to send a quick comment to express gratitude to you for all the awesome items you are sharing at this website. My rather long internet investigation has at the end been compensated with good quality concept to write about with my neighbours. I would say that we visitors are really fortunate to exist in a superb place with so many outstanding people with helpful points. I feel very much lucky to have used your weblog and look forward to plenty of more entertaining minutes reading here. Thank you once more for everything.
lebron shoes http://www.lebron18.us
I simply had to appreciate you all over again. I am not sure the things I would have achieved without the hints shown by you relating to my field. This was a depressing issue for me personally, however , understanding this specialized tactic you managed that took me to leap for contentment. I will be grateful for the advice and even hope you realize what an amazing job you are carrying out training men and women through the use of your blog. I am sure you've never got to know all of us.
yeezy boost 350 http://www.adidasyeezyboost350.us.com
I have to express my appreciation to you just for bailing me out of such a difficulty. As a result of exploring throughout the search engines and coming across solutions which were not beneficial, I assumed my entire life was done. Being alive without the presence of approaches to the problems you've resolved through your good report is a serious case, as well as those which may have in a negative way affected my entire career if I hadn't noticed your website. Your good understanding and kindness in handling all the things was important. I'm not sure what I would have done if I hadn't come upon such a point like this. I am able to at this time relish my future. Thank you so much for your impressive and sensible help. I won't hesitate to refer your web sites to anybody who needs support about this area.
curry 8 http://www.curry8shoes.us
I precisely wished to say thanks again. I'm not certain the things I might have created in the absence of the actual solutions discussed by you regarding that concern. It became a real troublesome dilemma for me, but witnessing the very specialized fashion you solved that forced me to jump with happiness. I am just happier for this service and believe you know what an amazing job you're doing educating many others through the use of a web site. Probably you have never come across any of us.
golden goose http://www.goldengoose-shoes.us.com
Thank you so much for providing individuals with remarkably breathtaking possiblity to check tips from this website. It's always so beneficial and packed with fun for me and my office friends to search the blog at the least thrice every week to study the newest items you have got. And lastly, we're usually amazed considering the amazing principles you serve. Certain 1 tips in this article are easily the simplest I've had.
kyrie irving shoes http://www.kyrieirving-shoes.us.com
I'm writing to make you be aware of what a excellent encounter my wife's daughter developed reading your web site. She figured out many pieces, including how it is like to possess a great giving mood to make many more clearly know just exactly chosen hard to do subject areas. You truly exceeded visitors' expected results. Thank you for delivering these warm and helpful, dependable, explanatory and also fun guidance on this topic to Sandra.
yeezy 380 http://www.yeezyboost380.us.com
My wife and i felt really joyful when Michael managed to carry out his investigations by way of the precious recommendations he got from your own weblog. It is now and again perplexing to simply always be releasing hints that many some people could have been making money from. And now we keep in mind we have you to thank for this. The type of illustrations you made, the easy website menu, the friendships your site assist to engender - it's many unbelievable, and it's facilitating our son and the family imagine that this topic is fun, and that's unbelievably pressing. Thank you for all the pieces!
curry 6 http://www.curry-6.us
I precisely desired to say thanks yet again. I do not know the things that I could possibly have tried without those tricks revealed by you concerning that industry. It became a very frustrating dilemma in my opinion, but finding out your specialized mode you processed the issue took me to leap with joy. Now i'm happy for this service and thus hope you know what an amazing job that you are providing instructing many people via your websites. I am certain you haven't encountered any of us.
curry 7 shoes http://www.curry7shoes.us
Thank you for your entire effort on this blog. Kate really likes carrying out research and it's simple to grasp why. All of us learn all regarding the compelling medium you make both interesting and useful guidelines via the web site and in addition strongly encourage contribution from other people on that subject matter then my princess is certainly being taught a lot. Have fun with the rest of the year. Your carrying out a terrific job.
adidas yeezy http://www.yeezysadidas.us
I wish to voice my respect for your kind-heartedness supporting people who have the need for help with your concept. Your personal dedication to passing the solution throughout was particularly beneficial and has all the time enabled individuals just like me to get to their aims. The warm and helpful advice implies a lot to me and additionally to my peers. Warm regards; from each one of us.
steph curry shoes http://www.curryshoes.net
I wanted to type a small word to be able to say thanks to you for all of the unique tips and hints you are writing at this website. My time intensive internet look up has at the end been honored with pleasant facts and strategies to go over with my contacts. I 'd admit that many of us website visitors are very blessed to dwell in a remarkable site with many brilliant individuals with insightful things. I feel really happy to have seen the webpages and look forward to plenty of more amazing times reading here. Thanks again for a lot of things.
yeezy 350 http://www.yeezy350v2s.com
I have to show some appreciation to the writer for rescuing me from this particular difficulty. Just after checking through the internet and seeing views which are not helpful, I assumed my life was well over. Existing minus the answers to the issues you've resolved by way of your main posting is a serious case, and the ones that could have in a wrong way damaged my entire career if I hadn't noticed your blog post. That capability and kindness in maneuvering everything was important. I'm not sure what I would have done if I hadn't come upon such a solution like this. I am able to now look forward to my future. Thank you so much for the skilled and effective help. I won't think twice to suggest your blog to any individual who wants and needs support on this topic.
lebron james shoes http://www.lebronjames-shoes.us.com
My wife and i have been really excited that Michael could finish off his basic research from the precious recommendations he was given while using the site. It is now and again perplexing to simply choose to be giving freely secrets that some people may have been selling. And now we remember we need the writer to appreciate for that. The most important illustrations you made, the easy site navigation, the relationships your site make it possible to instill - it's got mostly terrific, and it's really helping our son and our family consider that that subject is cool, and that's truly mandatory. Thank you for everything!
off white outlet http://www.offwhites.us.com
I wish to voice my gratitude for your kind-heartedness in support of individuals that must have assistance with your subject matter. Your personal dedication to passing the message around appears to be rather interesting and have truly encouraged most people like me to realize their aims. Your useful suggestions means this much a person like me and somewhat more to my fellow workers. Regards; from all of us.
jordan shoes http://www.shoesjordan.us.com
I needed to send you the little bit of remark in order to thank you so much over again considering the beautiful opinions you've documented in this case. It was so unbelievably generous with you to convey publicly all that a few individuals could have offered as an e book in order to make some dough on their own, most importantly seeing that you might have tried it in case you considered necessary. Those things likewise served to be the fantastic way to fully grasp most people have a similar keenness similar to my own to figure out a whole lot more on the topic of this problem. I know there are many more pleasurable sessions ahead for individuals who browse through your blog post.
yeezy supply http://www.supplyyeezys.com