Tinkoff is an excellent online bank. Many services are provided for free, including trading acquiring. The stability of Tinkoff's operations has always inspired my trust. As for the application, they first open a settlement account, then check the payment terminal and deliver it to the specified address. An employee sets up the equipment on-site. I've had the terminal for 5 months now, and it's convenient for clients to make payments. They receive cashback and various bonuses. For now, I've chosen a simple tariff within the package scheme, which costs 1990 rubles, and the rate starts at 1.99%. After that, it depends on the sales volume: if it's less than 100,000, the rate will be 2.49%. It's better to check with customer support, as the terms may vary. I don't hesitate to call the hotline if I have questions, and I recommend you do the same. Sometimes it's easier to call than to search for information on your own.