Закон "О платежных услугах" убьет банковскую карточную инфраструктуру - сооснователь Monobank

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»

- Помогите!!!

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%.

Стопроцентный «win-win»)

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.

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