In general, the comparison between 2017 and 2022 outlines a drastic drop in the fixed costs of POS in Italy. Compared to five years ago, the average initial cost dropped by about 49 eurosthat monthly average is rreduced by almost 10 euros.
Commissions
The study conducted by the ComparaConti.it and Sostariffe.it Observatory demonstrates that commissions tooalways the bogeyman of those who complain about the pos, have been protagonists of a great decline. Considering the payment cards that use the circuit PagoBancomatfor example, registers an average commission of 1.23%. This figure is significantly lower than that observed in 2017, equal to 1.92%. In this case, the most convenient commissions are those connected to the fixed appliances, which are settled on an average of 1.01%.
Even card payments they use other circuits show a clear downward trend as regards the commissions applied, with an average commission of 1.35%, against 2.56% in 2017.
With regard to commissions, payment via fixed pos remains the most convenient choice for merchants, with an average commission equal to1.12%against the1.4% required for a mobile pos.
The introduction of sanctions
The study by the observatory also evaluated the impact on the costs of the POS of theintroduction of sanctions last June and how they changed in December, with the new government committed to eliminating them below a certain threshold.
If ad August the initial expense required for the pos was about 23 euros and the average monthly rent was equal to just over 6 eurosto December the two data increased respectively by 21 he was born in 44%. On the other hand, commissions have instead dropped: for the circuit PagoBancomat they have passed from 1.45 to 1.23%; even for cards from other circuits from 1.73 to 1.35%.
The simulations
The observatory has achieved a series of simulations to quantify the percentage drop recorded in the average expenditure to be incurred for the use of a POS for merchants and professionals, taking into consideration three different profiles: the freelance which records few annual transactions but with a higher average amount; the shopkeeper that sells retail products and records more transactions but with a lower average amount; the restaurateur which scores a very large number of transactions with a small average amount.
For the first, you register a substantial drop in expenditure related to the use of the POS. The savings go from a minimum of 38% in the case of use of a mobile pos with transactions made only through the PagoBancomat circuit to a maximum of 64% using landline pos and transactions with other cards.
identical percentages they register in according to It is in the third case, with an expected saving between 33 and 61%.