Carry out cashless payments. Cashless payment - how is it? The most common form of non-cash payments in Russia. At what point should we make a check?

This article will present to your attention all the main methods of payment by bank transfer.

Rules for non-cash payments

Since two thousand and twelve, new laws regulating the rules of non-cash payments have come into force. We recommend that you familiarize yourself with them before carrying out operations.

Non-cash payment is a payment that is carried out without cash.

Non-cash payments can be made using bills, checks, and other methods. People use non-cash payments in some areas of economic relations. For example, non-cash payments are used when selling products, various works, services, when receiving and returning loans from the bank, when using and paying actual income.

The following forms of non-cash payments exist:

Calculation by payment orders,
- letter of credit payment form,
- payments using checks,
- settlements with payment orders and claims
- settlements due to mutual claims.

Organizations themselves choose the forms of non-cash payments. These forms are provided for in the agreements that the organization enters into with the bank. The participants in non-cash transactions are payers and collectors. And also the banks that serve them. All operations relating to bank accounts are performed only on the basis of the necessary payment documents.

The settlement document is order, which is executed on electronic media or in writing.

The following orders are distinguished:
- payer
- recipient

The requirements for the preparation of settlement documents are set out in the regulations of the Central Bank of the Russian Federation.

Types of non-cash payments

Cash payments can be made by the company either in cash or in the form of a non-cash payment.

Non-cash payments are made using non-cash transfers to the current, current and foreign currency accounts of bank clients, a system of accounts between different banks, clearing offsets of mutual claims through settlement fees, and also using checks and bills of exchange that replace cash. Non-cash payments are made mainly through banking, settlement and credit transactions. The use of these operations helps reduce cash flow costs and ensures more reliable safety of funds.

Payment by bank transfer

Payment by bank transfer is carried out if you have the details of the bank or individual to whom you need to transfer money. Payment by bank transfer helps to significantly reduce the time for making payments.

Non-cash payment methods:

1) Bank transfer
2) Bank cards
3) Electronic payments (, WebMoney, [email protected])

Now you know what methods of payment by bank transfer exist.

Minimum order amount in the online store: 5,000 rub.

Cash payment for individuals

After placing your order you can:

1. Come to the pick-up point and pay for your order.
2. Pay the order to the courier upon delivery.

If you pick up the order yourself, then pay for the goods at the office at the address: Moscow, Varshavskoe highway, 125D building 2, office: 315 (pickup point)

• When you pay for your order, you receive sales and cash receipts.

Cash payment for legal entities

Payment method for settlements with organizations:

As in the case of individuals, you can pay for your order to the courier upon delivery or in the office.

• Payment is made only in rubles.
• To receive the goods, you must provide the original power of attorney from the paying organization or certify our copy of the delivery note with the seal of the paying organization.
• When you pay for your order, you will receive a cash receipt, delivery note and invoice.

Payment by bank transfer for individuals

How to pay an individual by bank transfer:

Individuals can pay for their order by bank transfer to our bank account (bank commission is possible). After paying for the order, be sure to inform us about payment by phone +7 495 215-50-52 or email

• Upon receipt of your order, you receive sales and cash receipts.

Payment by bank transfer for legal entities

How to pay a legal entity by bank transfer:

To pay for your order by bank transfer, you must provide the full details of your company at . The manager will issue you an invoice and send it in the manner agreed upon with you. The invoice and reserve for goods is valid for three banking days.

The goods are released after funds are credited to our bank account. To receive the goods, you must provide the original power of attorney from the paying organization or certify our copy of the delivery note with the seal of the paying organization.

• Upon receipt of your order, you will receive an invoice, delivery note and invoice.

Electronic payments

We pay through: Sberbank, Alfa-Bank, Webmoney, Qiwi, Visa and MasterCard, etc.:

Electronic payments- a convenient service that allows customers to pay for their online purchases with electronic currencies.

You can pay with us using payment systems:

• Sberbank
• Alfa Bank
• Webmoney
• Visa and MasterCard

Note! Some payment methods apply a fee.

Cashless payment is one of the most convenient payment options; this is their high speed and the almost complete absence of regulatory restrictions in making payments.

Therefore, many companies choose non-cash payments for their purposes, minimizing cash handling.

Moreover, payments through credit organizations are a cheaper option compared to payments through banknotes and coins.

What is non-cash payment?

First of all, this payment format is available to everyone - legal entities, entrepreneurs and ordinary citizens. Non-cash payments are made only through banking and other credit structures that are authorized to carry out banking operations.

In general, non-cash payments are settlements that are realized through the movement of funds through accounts belonging to participants in such settlements.

In fact, funds are debited and credited electronically. At the end of the working day, the account owner is provided with an account statement, which reflects the balance at the beginning and end of the day, as well as all incoming and outgoing transactions. This allows you to control cash flows.

Non-cash payments are regulated in the Russian Federation two main regulations:

• The Civil Code of the Russian Federation - its Chapter 46 “Calculations” sets out the basic provisions on all permitted forms of non-cash circulation;
• Regulations on the rules for transferring funds No. 383-P, which was approved on June 19, 2012. Bank of Russia. This document provides a more detailed description of non-cash forms of payment, as well as requirements for payment documents. This Regulation does not contradict the norms of civil law.

In addition, there is another regulatory act that was approved by the Bank of Russia - the Regulation on the issuance of payment cards dated December 24, 2004. No. 266-P. This document reveals the procedure for acquiring – payments using payment cards for goods and services. Acquiring is a unique form of non-cash payments, which is available primarily to ordinary citizens.

On the basis of these three documents, non-cash circulation is organized and controlled, which is increasingly replacing cash circulation. And there are reasons for this:

• settlements through bank accounts rarely depend on the time of the transaction (i.e., time of day) and geography;
• non-cash payments are much cheaper to service than cash payments;
• in addition, for organizations it is more preferable to make payments through, since such payments have much fewer requirements for registration, organization and accounting than for cash transactions. Therefore, many start-up companies, in order to save money and protect themselves from fines for errors in compliance and in application or non-use, are switching to non-cash payments. Large, experienced companies are also striving for this.

As for ordinary citizens, for them, non-cash payments are convenient, since it is enough to have a payment card to make a payment, and beneficial, because when paying with a card, fees for settlement services are often not charged.

But the state also benefits from the growth of non-cash payments; in particular, the circulation of the money supply is controlled, and a decrease in the amount of cash in circulation reduces the level of inflation.

Kinds. Their advantages and disadvantages

In legal nature there is several forms, in which non-cash payments are carried out.

Molds and tools

In accordance with Bank of the Russian Federation Regulation No. 383-P, these forms include:

• Settlements using a payment order. In this case, a document is drawn up that contains an instruction to the bank, at the expense of the payer’s funds, to transfer the amount specified in the payment document. The transfer is carried out within the time frame and to the person specified in the order. This translation option is considered one of the simplest and most traditional. Valid for 10 days, which does not include the day the document was drawn up. This payment format is available even to an ordinary citizen who does not have a current account. The inconvenience of settlements through payment orders is that if an error is made in the document during registration, it can cause a significant delay in payment or its sending to the wrong recipient of funds;
• Payments via letter of credit. In fact, this is a special account that is used only for settlements on transactions that require the intermediation of the bank. In other words, a letter of credit is an order from the payer to the bank to transfer funds to the recipient only if the latter complies with special conditions, for example, delivery of goods, provision of documents and other conditions. The effect of a letter of credit can be described in simple terms as follows: the buyer opens a letter of credit in his bank and transfers there the cost of his purchase, but the supplier will be able to receive these funds subject to delivery of the goods and transfer of accompanying documents to the bank where the letter of credit was opened. And then the bank transfers funds. The convenience of this form of payment lies in the security of the transaction. But the disadvantage of a letter of credit is its high cost, its isolation from the bank account agreement (the letter of credit is opened separately), the participation of several parties in the transfer of funds: the buyer and the supplier, the issuing bank (it opens the letter of credit) and the executing bank (it executes the letter of credit) . By the way, often one bank can be both the executor and the issuer;
• Settlements through collection orders or collection. Their specificity is that such calculations are possible only if the claimant (recipient) has the rights to make claims against the debtor’s (payer) account. These rights may be provided for by law or by an agreement concluded between the account holder (debtor) and the bank. Collection is inherently demanding. Those. In order to collect the required amount, the recipient of the funds must provide the bank holding the payer's account with the necessary information about the debtor and his obligation. Also, the collection order is not inherently of a notification nature. The debtor often finds out about the write-off only after the money has been withdrawn from him. And this can make it difficult for the debtor to carry out other banking operations due to a lack of funds in the account;
• Payments through checkbooks. This option can be conditionally called cash-non-cash, since it involves debiting funds from the drawer’s account to the check holder’s account or issuing cash to him. Moreover, settlement of checks is carried out only on the condition that the drawer has a sufficient amount of money in his account and after confirming the identity of the bearer of the check and the authenticity of the check itself;
• Payments in the form of direct debit. In this case, the transfer of money is made at the request of the recipient. To perform this transfer, the operator who will perform the settlement operation must have an agreement with the payer and his acceptance (consent) to carry out such an operation. Such calculations are carried out within the framework of the national payment system of Russia and in the presence of a payment card. The cardholder's acceptance of the debiting of funds from the card must be enshrined in an agreement or other document that supplements the agreement;
• Payments in the form of electronic money transfer. As part of this type of non-cash payments, an individual (citizen) provides the operator with funds for conducting transactions, both from his personal bank account or without it, and from the accounts of organizations and entrepreneurs that provide funds in favor of this citizen. But this is only possible if the agreement between the individual and the operator provides for such a right. As for entrepreneurs and organizations, they can only use funds from their bank accounts.
  The last two types of non-cash payments are regulated by the law “On the National Payment System” dated June 27, 2011. No. 161-FZ.

The advantages of non-cash payments are described in the following video:

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Everything happens in a few clicks, without queues and stress. Try it and you will be surprised how easy it has become!

Principles of non-cash payments

Cashless payment system based on the following principles:

Based on these principles, not only the construction of a non-cash payment system is carried out, but also their implementation.

Order of conduct

Any non-cash payments are carried out only if you have an account opened under a bank account agreement. However, the current legislation of the Russian Federation provides for the possibility of conducting non-cash transactions without the payer opening a current account. But this is only possible when making payments by ordinary citizens whose transfers of funds are not related to business activities.

To conduct non-cash payments, an account can be opened either in a bank or in another credit institution that has a license from the Bank of Russia to carry out such operations.

To make non-cash transfers payers can open:

All these accounts can be opened in rubles and in foreign currencies.

Accounting Rules

To record non-cash transactions, organizations use account 51 “Current accounts”, where analytics are built for each current account opened by the organization. All transactions are reflected on the basis, for example, on the basis of payment orders, collection orders, etc. And to reflect transactions on special accounts, organizations use account 55 “Special bank accounts” with analytics on letters of credit, deposits, check books, and other similar forms of non-cash payments.

Entrepreneurs do not use it, but they record income and expense transactions on a bank account in their books of income and expenses. And based on the register data, the calculation is carried out. They also use payment orders or collection orders, memorial orders, etc. as confirmation of non-cash transactions.

As for ordinary citizens, they can receive statements from their accounts to control their funds.

Responsibility for violation of settlement relations

Punishment for such violations is provided for in Chapter 15 of the Code of Administrative Offenses of the Russian Federation. Moreover, both account holders and credit institutions are punished.

For example:

• In case of violation of work with a special account, payment agents may be charged from 40 to 50 thousand rubles;
• if the bank violated the deadline for transferring funds to the budget from the taxpayer’s account, then up to 5 thousand rubles will be collected from the bank official.

The history of occurrence and basic principles of these types of calculations are described in the following video lecture:

Despite the global trend of a sharp increase in the number of non-cash payments, people are still wary of them. And there are good reasons for such an attitude. Cashless payments, you won’t limit us!

Irrational connection

Some technologically developed countries already record up to 97% of transactions using non-cash payments. But in general, the world is in no hurry to abandon banknotes and coins.

Thus, according to the BBC, from 2007 to 2012, cash turnover in the United States increased by almost one and a half times; in G7 countries such as Canada, France, Germany and the USA in 2012, from half to 80% of transactions were carried out with bills and coins. In Britain in 2015-2016, cash and non-cash payments were distributed approximately equally.

By the way, although artificially limiting cash payments seems to be a convenient tool for controlling taxpayers, not all governments agree to use this method. The USA, Britain, and Germany do not impose any restrictions on cash payments for their citizens (of course, they have a number of other methods of financial control).

Video on the topic:

Who to trust if not yourself

Cash combines ease of use and storage, and also provides anonymity or confidentiality of payments. In addition, they themselves are free. Not a single electronic currency, and certainly not a single banking instrument, has such properties.

The first noticeable disadvantage of non-cash payment is the associated payments. An entry in the electronic register costs literally pennies. But this entry must be made by the employee who needs to pay the salary; the data server must be serviced by a specialist; and the entire structure, be it a bank or an issuer of electronic currencies, expects to earn profit for its owners. Because of this, in a world that has not completely switched to cashless payments, any purchase not for cash can cost 3-5% more. ThatYes, when buying an apartment for $20 thousand, you can lose up to $1 thousand on various conversions and commissions.

Neither banks nor financial startups still have, at least in our country, a sufficient level of trust. Savings stored “under the pillow” and in foreign currency are objectively subject to only one risk: being physically stolen or destroyed (in a fire, for example). Money from a bank account can also be stolen, but besides this, the bank can fall into liquidation or go bankrupt at any time, the regulator can suddenly introduce new rules, and when transferring money can go “in the wrong place” or “freeze” for several days... And if A person is responsible for the bills “under the pillow” himself, but in other cases he trusts his well-being to third parties, who are not always reliable and stable.

Cashless payment: Fast, profitable, convenient

The widespread use of cashless banking requires a developed and constantly functioning infrastructure: ATMs, terminals, mobile networks, even simply the Internet. And in addition - increasing computer literacy of people of all ages, strata and places of residence. Meanwhile, even the legal requirement that has existed for several years in our country to provide all retail outlets with card payment terminals has not been implemented everywhere, even in large cities. According to the Interbank Association of Payment System Members, in the fall of 2016, 80% of business entities did not accept non-cash payments! For comparison: in Denmark, the government is discussing whether to give some entrepreneurs the right not to accept cash - only cards. And here, 10 km from the city, you often can’t buy a glass of water with a bank card. And in the center of a metropolis, if there is a failure in the network of a bank, mobile operator, or even the power grid, the person with the card has nothing to do.

Finally, for many it is simply much more convenient to pay in cash than to use bank transfer! According to recent surveys and studies, about 30% of our compatriots believe that paying cash is faster, and for 25% it is the best way to control their expenses. In some areas, for example, in cafes and bars, cash payments have almost become part of the tradition.

Cash ritual

Successful crowdfunding projects prove that fellow citizens are ready to donate to charity, social and cultural projects using bank cards and wire transfers. However, a large segment of donations exists only thanks to cash: charity concerts, fundraising in public places, fundraising at meetings of public and religious organizations. Naturally, there is also a lot of room for fraud in this. But it is also obvious that such tools are in demand and are not rejected by a large part of society.

The centuries-old connection of a person with banknotes and coins is already irrational: physical possession of money, transferring it from hand to hand are peculiar rituals. The practical advantages of cash, together with the irrational attitude towards it, serve as a guarantee that the amount of “cash” can be a value tending to zero, but not reaching this zero. At least for the foreseeable future. ⓂⒷ

In everyday life, do you more often pay with cash or do you prefer non-cash payments?

In the modern world there are many payments for services and goods. Let's talk about this and figure out what payment systems exist.

Let's define the terminology

So what is a payment system? This is a set of organizational actions, forms, procedures that improve the monetary circulation system. In essence, this is a huge number of contractual relations, rules, methods that enable absolutely all participants to carry out financial transactions and pay each other.

What challenges do payment systems face?

Payment systems perform a number of tasks:

1. Safety and efficient operation.
2. Reliability, which guarantees the absence of any disruptions in the operation of payment systems.
3. Process workflows quickly and cost-effectively.
4. An honest approach that meets all the necessary criteria.

In general, for any such system the main function is to ensure dynamic economic turnover.

The individual elements of payment systems are very closely related to each other. Their relationship is carried out according to certain rules that are included in state regulations. The work of the Russian payment system is built on legal documents, thanks to which its functioning occurs. They regulate a set of procedures that are necessary for the operation of this structure and the transfer of funds from one counterparty to another.

The procedures of the payment system include forms of non-cash payments, norms of payment documents and all means used for communication (software, Internet, telephone lines, hardware).

Elements of payment systems

Payment systems consist of the following elements:

1. Organizations carrying out money transfers, repayment of financial obligations.
2. Monetary instruments and systems that ensure the transfer of funds between counterparties.
3. Contractual relations regulating the correct and clear procedure for non-cash payments.

All elements are very closely interconnected, their interaction occurs according to certain rules, enshrined in legal documents. Compliance with them is mandatory for absolutely all participants.

Types of payments

According to Article 140 of the Civil Code of Russia, payments within the country are made both in cash and non-cash. We can say that they are all divided into two types. Let's talk about them in more detail.

The cash payment system involves paying for goods and services from hand to hand. In everyday life, each of us faces this.

Payment by bank transfer occurs without the presence of cash; instead, funds are deposited into a current account or electronic wallet.

What are the payment methods in cash?

So, there are several ways to pay with real money. Let's list them:

1. "Cash" at the box office, through couriers or by transferring funds from the customer to the contractor.
2. Using self-service terminals Qiwi, Cyberplat, Eleksnet and many others. A person selects the service he needs on the screen and deposits banknotes into the bill acceptor. Almost all services and even loans are paid in such terminals.
3. In ATMs that have a cash acceptance function. Again, the desired operation is selected, the purpose of the payment is indicated, and the bills are entered.
4. Payment in banks or at the post office. Most people of retirement age prefer there. To do this, you only need to provide or simply provide the recipient’s details, and also give the money to the cashier.
5. Another popular payment method in the country is transfers (for example, using the companies “Zolotaya Korona”, “Leader”). To apply for them, you just need to come to the selected branch, provide the recipient’s details and deposit money.

Payment by bank transfer

Non-cash payments can be contact and contactless. Let's look at their features in more detail.

1. Payments using bank cards with a magnetic stripe are the most popular option at present. However, these began to gradually replace more secure cards with a chip. To make a purchase, you just need to insert it into the terminal or swipe it through a reader. Then the person just has to enter his PIN code, and the money will leave his account. That's all, the goods have been paid for.

2. Payment using MasterCard or Visa. This is a very common type of contactless payment for purchases. To pay, you just need to bring your card to the terminal, and the goods will be automatically paid for without specifying a PIN code. Of course, this type of calculation is very convenient. The only drawback is that the payment amount for one purchase cannot be more than a thousand rubles. It turns out that if you want to purchase a product worth, for example, two thousand, then you won’t be able to pay using a contactless method. You will have to insert the card into the terminal and still enter the PIN code. By the way, we note that not all stores have the appropriate devices.

3. There is also the option to pay using your card details. This is also a contactless method. It is most often used to pay for online purchases. How is the transaction carried out? You need to enter the required card details in the fields. This could be, for example, a last name, a security code. After filling out the details, you will still need to confirm the operation itself. After this, the funds will be debited from your account.

4. Payments by electronic money using Internet wallets "Yandex.Money", Kiwi, Webmoney. To pay for purchases and services, you need to open a personal wallet of any payment systems and make a payment or transfer funds using the company details.

5. Payment via mobile phones with NFS technology. To be honest, this contactless method is not yet very popular in Russia. The technology allows you to pay by holding your mobile phone to a special reading machine. To be able to use this service, you need to buy a SIM card that supports NFS technology, and also install another antenna in your phone. After this, payments can be made with one touch by placing the mobile phone on the terminal. The funds will be debited from your smartphone account. And although in the Russian Federation, as already mentioned, the use of such technology is not yet very widespread, at the moment it is still possible to pay using this method in the Moscow metro.

6. using Internet banking. This is also a method of non-cash payment for services and purchases. To use it, you need to go to Internet banking, find the correct category, enter the details and select the account for withdrawal. The operation is confirmed by entering the code.

All over the world, the most popular payment systems are still non-cash transactions. In their favor is not only the convenience and speed of their implementation, but also complete safety at relatively low cost.

Which type of payment is more profitable?

Of course, the electronic payment system is the most beneficial and convenient, no matter how you look at it. It makes it possible to make purchases very quickly and simplifies the entire payment process. Moreover, costs are reduced. Let's give a simple example when buyers and sellers are in different regions. There is no way to do this without using cashless payments. However, despite all the visible benefits, it can only be implemented if one has a certain level of technology, culture, and education. Historically, cash came first. There were no non-cash payments before, and there could not have been. The level of development of society and technology simply did not allow this.

Today, cash payments are typical only for more backward countries. Expert research suggests that in the future, non-cash payment systems will replace cash payments.

Why do we need a payment system?

The need to pay by bank transfer at one time led to the emergence of a system of settlements between banks with each other, since payers and recipients were serviced by different financial organizations. In Russia, the Russian Federation payment system was developed for transfers between banks. Each country organizes its own structures to ensure safe and fast circulation of funds within the state. Together they form international payment systems. Thanks to this, trade relations are possible between different countries, sometimes located on different continents.

Instead of an afterword

Currently, the economy of any country is a huge branched network of relations of a large number of constituent entities. The basis of all relationships, oddly enough, are various calculations and payments, which would be impossible without a clear organization of the payment system.