I consulted with an employee of T-Bank regarding merchant acquiring. I already knew I needed a terminal, but I wanted to understand how to attract more customers. Yulia suggested reaching out to an expert, which is a separate service of the bank. I decided to decline, as I was looking for benefits specifically from merchant acquiring. Yulia recommended offering payment via QR code through the SBP, as it is convenient: the QR code appears instantly, and the payment goes through in just a few seconds. For me, as an individual entrepreneur, this is also more advantageous in terms of commission. Once I started accepting payments this way, I was convinced of it. It's convenient for clients too, as they receive cashback from such payments. Merchant acquiring at T-Bank is truly of high quality.