Cashless payment: application. Non-cash payments Payment is made by transferring funds

Contract No. ___/13

___________ "___" __________ 2013

Limited Liability Company "StroyStimul", hereinafter referred to as the "Contractor", represented by General Director Parshikov E.A., acting on the basis of the Charter, on the one hand, and citizens ___ ________________________________________________, hereinafter referred to as ___ "Customer", on the other hand, jointly referred to as the "Parties", have concluded this Agreement (hereinafter referred to as the Agreement) as follows.

1. The Subject of the Agreement

1.1. The Customer instructs, and the Contractor assumes the performance of construction and installation works in accordance with the local cost estimate (Appendix No. 1) in an apartment with building number ___, located at: _____________________________________________________________________________________________ (hereinafter referred to as the Facility).

2. Cost, the procedure for payment and acceptance of work under the contract

2.1. The cost of work under this Agreement is determined on the basis of the estimate calculation (Appendix No. 1), which at the time of signing this Agreement is _________ (_____________________________________ rubles __ kopecks), including VAT - 18%.

2.2. Payment under the contract is made in the following order:

Within 3 days from the date of signing this Agreement, the Customer shall
an advance payment in the amount of 75 percent of the total cost of work, which is _________ (__________________________________________ rub. __ kop.), including VAT - 18%.

After the complete completion of the work, no later than 3 days after the Customer signs the work acceptance certificate (form KS-2, KS-3), the Contractor is paid the amount of this Agreement minus the advance payment.

Acceptance of work by the Customer is carried out within 3 days from the date of receipt from the Contractor of the certificate of acceptance of work (form KS-2, KS-3). Within the specified period, the Customer is obliged to sign the act of acceptance of the work performed or send the Contractor a reasoned refusal to accept the work. If the Customer refuses to accept the work by the Parties, within 3 working days from the moment the Contractor receives a reasoned refusal, a bilateral act is drawn up. In the event that the Customer does not sign the act of acceptance of the work performed within 3 days and does not provide the Contractor with a reasoned refusal, the work is considered accepted and payable.

2.3. If the Contractor, after paying the advance payment by the Customer, does not begin to perform work under this Agreement within a period of more than 7 working days, the Customer has the right to terminate this Agreement and demand the return of the advance payment paid. The Contractor shall return the advance payment within a period not exceeding 5 banking days from the date of receipt of the Customer's written request.

2.4. The conditions and procedure for making changes to the cost of work are specified in Section 5.

3. Terms of performance of work

3.1. The terms for the completion of works on the repair of the apartment are established by the Parties:

from "___" ___________ 2013 to "___" ___________ 2013.

4 . Duties of the parties

4.1. The contractor is obliged:

4.1.1. Perform work to the extent and within the timeframe stipulated by the Agreement, and hand over the object to the Customer in accordance with clause 3.1. Contract term.

4.1.2. To ensure the performance of work in accordance with the project, building codes and regulations and instructions of the Customer and the quality of work in accordance with the project documentation and current regulations.

4.1.3. Ensure the necessary measures for safety and environmental protection during the work.

4.1.4. Coordinate with the organization carrying out the construction of the house, the procedure for conducting work and ensure its observance.

4.1.5. Ensure the cleaning of the work site and the area immediately adjacent to it.

4.1.6. Remove, within 5 days from the date of signing the act of acceptance of the Facility, outside the place of work, equipment, inventory, tools, other property, and construction debris belonging to the Contractor.

4.1.7. Fulfill their obligations stipulated in other articles of the Agreement.

4.2. The customer is obliged:

4.2.1. Transfer the apartment to the Contractor for the period of work.

4.2.2. Accept and pay for the Works in the manner prescribed by the Agreement.

4.2.3. Fulfill their obligations stipulated in other articles of the Agreement.

5. Making changes to the contract

The customer has the right to make changes to the scope of work, which, in his opinion, are necessary. In this case, he is obliged to send a written order to the Contractor's address indicating:

• changes in the nature, quality or kind of some specified work;

• performing certain additional work;

• increase or decrease in the volume of some specified work;

• inclusion or exclusion of some type of work.

If such changes affect the cost or completion time of the work, then the Contractor proceeds to their implementation only after signing an additional agreement, which becomes an integral part of this Contract from the moment of its signing.

The contract price may be changed by mutual agreement of the Parties, which is fixed by an additional agreement, which becomes an integral part of this Agreement from the moment of its signing.

6. Final provisions

6.1. Any agreement between the Parties that entails new obligations not provided for by the Agreement is considered valid if it is confirmed by the Parties in writing in the form of an additional agreement or protocol, which are integral parts of the Agreement.

6.2. The Parties establish that all possible claims under the Agreement must be considered by the Parties within 5 (Five) days from the date of receipt of the claim.

6.3. Disputes that may arise during the execution of the Agreement, the Parties will seek to resolve through negotiations. If a solution is not reached, these disputes are subject to resolution in court.

6.4. The Agreement is drawn up in two copies of equal legal force, one copy for each of the Parties.

7. Addresses and bank details of the parties

Cashless payments- settlements carried out between an individual and a legal entity without the use of cash, by transferring funds through a bank from the settlement (current) account of the payer to the account of their recipient.

This payment format is available to everyone - legal entities, entrepreneurs and ordinary citizens.

Cashless payment is one of the most convenient settlement options due to the high speed of making payments and the almost complete absence of regulatory restrictions on making payments.

In the course of non-cash payments, funds are credited and debited electronically.

At the end of the working day, the account holder is provided with an account statement, which reflects the balance at the beginning and end of the day, as well as all income and expenditure transactions, which allows the account holder to control cash flows.

Forms of non-cash payments

There are several forms in which non-cash payments are made:

settlements using payment orders;

settlements by means of a letter of credit;

settlements by means of collection orders or collection;

payments through checkbooks;

payments using plastic cards;

settlements in the form of transfer of electronic money.

Settlements using payment orders

In this case, a document is drawn up - which contains an instruction to the bank to transfer the amount indicated in the payment document at the expense of the payer.

A payment order as a form of payment for the execution of a transfer is a payment instruction, according to which the sending bank transfers funds to the receiving bank to the person specified in the order.

The parties are the payer and the payee, the participant is the bank that carries out the transfer operation.

The transfer is carried out on time and to the person indicated in the order.

The payment order is valid for ten days, which does not include the day the document was drawn up.

Settlements by letter of credit

A letter of credit is a special account that is used to settle transactions that require the mediation of a bank.

A letter of credit is an instruction from the buyer's bank to the supplier's bank to pay the supplier's invoices for goods shipped or services rendered on the terms and conditions specified in the letter of credit application.

The following are involved in the settlements under the letter of credit:

the applicant who applies to the bank with a request to open a letter of credit;

recipient of funds;

the bank that is involved in the transfer of the letter of credit to the recipient of funds.

In the case of settlements using a letter of credit, the payer instructs the bank to transfer funds to their recipient, but only if the recipient of the funds complies with special conditions, for example, the supply of goods, the provision of documents and other conditions.

Settlements using a letter of credit are carried out as follows.

The buyer opens a letter of credit in his bank and transfers the cost of the purchase he makes there.

The supplier will be able to receive these funds subject to the delivery of goods and the transfer of accompanying documents to the bank where the letter of credit is opened.

And only after that the bank transfers funds.

The convenience of this form of payment lies in the security of the transaction.

Settlements by means of collection orders or collections

Such settlements are possible only if the recoverer (recipient) of funds has the right to make claims against the debtor's (payer's) 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.

Thus, the recipient of funds, in order to recover the required amount, must provide the bank that holds the payer's account with the necessary information about the debtor and his obligation.

Checkbook settlements

Settlements by checks from checkbooks are made by:

legal entities (entrepreneurs) or individual entrepreneurs - check holders who are recipients of payment by check from a check book;

individuals - check drawers.

In this case, funds are debited from the account of the drawer to the account of the holder of the check or cash is issued to him.

Settlement of checks is carried out only on the condition that the drawer of the check has a sufficient amount of money in the account and after confirming the identity of the bearer of the check and verifying the authenticity of the check itself.

Payments using plastic cards

A plastic card is a payment instrument through which its holders can make non-cash payments and receive cash. Payments with plastic cards require the presence of a certain system, which includes banks and other participants that jointly issue into circulation and operations using plastic cards.

Non-cash payments using plastic cards are made in accordance with an agreement concluded by the bank with the owner of the settlement system in accordance with the standards and rules established by him.

Settlements in the form of electronic money transfer

As part of this type of non-cash payment, a citizen () provides the operator with funds from his personal bank account for conducting operations.

Principles of building cashless payments

The system of cashless payments is based on the following principles:

the principle of legality. All non-cash transactions are carried out in accordance with the requirements of the law and are carried out only within the framework of the law;

principle of sufficiency of funds. All settlement transactions must be secured with an amount sufficient to make payments;

acceptance principle. This principle is that without the consent or prior notice of the account holder, no funds can be debited from the account;

the principle of conducting all operations on the basis of a contract. This principle is based on the fact that the servicing bank is obliged to act only within the framework of the agreement between it and the account holder, which establishes the rules for relations between the bank and the owner of an account opened with the bank;

principle of urgency of payment. This means that any payment made from a bank account must be made within the time specified by the payer;

• the principle of freedom of choice. The essence of this principle is that the settlement participant is free to choose any type of non-cash settlements. And the bank cannot influence this choice.

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Content

The global financial system is constantly improving. The main priority of banks and legal entities is the security and speed of transactions. Because of this trend, non-cash funds have become very popular. What is a cashless payment and what are the methods of its implementation?

What is cashless payment

The presented payment format is implemented by money transfers through bank accounts without the use of paper currency and coins. It can be used by legal entities, individuals and entrepreneurs. The concept of cashless payments implies the use of payment cards, bills of exchange and checks for transactions. Payments are transferred between the parties to a property relationship or with the help of an additional entity represented by a credit institution.

Essence

The organization of financial transactions with the help of this type of payment is beneficial for banks and the state, because. avoids a sharp increase in call delays. The essence of non-cash payments is the implementation of payments by transferring currency to accounts intended to replace cash. Using a non-cash form of payment at the enterprise, you can get rid of cash registers, compliance with the rules for their use.

Pros and cons

The main advantage of this payment method is its flexibility. Non-cash money can be kept in special accounts for an unlimited time. Bank documents can be connected to the transaction at any time. They establish and confirm the fact of the transaction. Companies that use cashless payments are exempted from the need to constantly deposit money in the bank.

The main disadvantage of the method is the dependence on the bank. A cashless transfer cannot be made if the holder of the funds has problems with their turnover. Holders of ordinary and special accounts will have to pay a commission to the bank for the operations performed. The pros and cons of non-cash payments compensate each other, making this payment method the most convenient in the realities of our time.

Forms of non-cash payments

Characteristics, device, value of payment transactions is determined by their type. Depending on the variety, they can be used by enterprises and individuals. In the Russian financial system, the following forms of non-cash payments are distinguished:

• transfers using payment requests and orders;
• letters of credit;
• payments through checkbooks;
• collection settlements;
• payments by transfer of electronic money;
• money transfers by direct debit.

Types of non-cash payments

Payments of this type are classified according to various criteria. Depending on the economic nature, remittances are needed to pay for non-commodity transactions and to purchase goods or services. Payments can be intra-republican and interstate. The funds transferred within the state are divided depending on the region and locality. The following types of cashless payments are also distinguished:

• guaranteed, in which the funds booked on the budget account act as collateral;
• non-guaranteed;
• transfers with instant withdrawal of funds from the account;
• payments with deferred transfer of money.

Ways

Payment documents are legally formalized requirements, instructions and orders for money transfers for the receipt of goods, services, works. They can be implemented in the form of collection orders, bank transfers, letters of credit. Depending on the type of payment document, there are contact and contactless methods of cashless payments. These include:

• payments with a bank card through POS-terminals;
• money transfer from cards using Pay Wave/PayPass technology;
• payments using card details, often used to pay for services via the Internet and purchase goods in stores;
• sending money through Internet wallet systems (QIWI, WebMoney, Skrill, etc.), where special terminals or bank card transfers are used to replenish the balance;
• Internet banking services offered to users of Sberbank and other financial institutions;
• payments using NFS technology through a smartphone.

Cashless payment system

It is based on bank accounts with settlement documents. The system of cashless payments should work as quickly as possible in order to promptly execute payment orders, open accounts for new customers, and maintain a continuous flow of funds. If the economic authorities come to an agreement, then payments can be made bypassing the bank.

Organization principles

The presented payment method is one of the important tools for the development of the country's market economy. It is voluntary, allowing the transfer and receipt of wages, savings from deposits and other income without visiting financial institutions. The continuity of money transfers is ensured by the principles on which the organization of cashless payments is based:

1. Enterprises and organizations participating in operations themselves choose their form, regardless of the scope of their activities.
2. The client's rights to dispose of funds are not limited.
3. Transactions are implemented in order of priority.
4. Payments are transferred from account to account if funds are available.

Implementation principles

Compliance with established rules by entrepreneurial firms and banks ensures that this type of payment meets modern requirements, which are reliability, efficiency, and speed of transactions. For this purpose, principles for the implementation of cashless transfers were developed. The procedure for making cashless payments is determined by the following principles:

• Acceptance principle. Without the consent or notification of the cash account holder, the funds cannot be debited. This rule even applies to requests from government agencies.
• The principle of freedom of choice. Settlement participants can conduct transactions in any form convenient for them. Financial institutions cannot influence the choice of non-cash payment methods.
• The principle of legality. All operations must be carried out within the framework of the current legislation and regulated by it.
• The principle of urgency of payment. Any transfer of funds must be carried out within the time frame established by the payer. If they were violated, then the sanctions fall on the bank.

These principles lie not only in the implementation of payments without the withdrawal of currency, but also in their implementation. The payer's current account must always have the necessary amount of funds for transactions. All transactions are always carried out on the basis of an agreement between the bank and the account holder. You can go beyond the scope of the agreement only if you conclude a new contract with the client.

Rules for non-cash payments

Financial law regulates all monetary transactions between entrepreneurs, individuals and legal entities, shops, and other institutions. For these purposes, the rules for non-cash payments were developed, the main of which states that money should be debited from the client's account only at his order. Settlement documents used for transactions should contain:

• TIN of the account holder;
• the name and account number of the credit institution;
• name of the payer's bank;
• account number and BIC of the recipient of the transfer.

Payment by bank transfer

Money transfer is implemented by one of the methods listed above. The correspondent account reflects the data of the sender and recipient of funds, the amount of the transfer and the name of the paid service or product. Therefore, if the seller fails to fulfill its obligations, the non-cash payment will be returned to the buyer, with the exception of the commission of the banking system.

Buyer refund

The customer has the right to return or replace the goods purchased in the store. Refunds to the buyer by bank transfer are carried out upon the provision of products, a check, a warranty card, and identity documents. Scans of the listed documents must be sent to the store's mail. A client may be denied a transfer of funds in the following situations:

• the product is food and is of good quality;
• lost documents on the transfer of funds;
• the purchase belongs to the list of non-replaceable products.

Purchase returns

Products of inadequate quality must be sent by the client to the warehouse of the store. Return of goods by bank transfer is stipulated in the contract of each enterprise separately. The company can compensate for the cost of sending the goods, if such a clause is in its rules. Non-cash forms of payment imply the transfer of money to the current account of the buyer immediately after sending the products back to the seller.

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Companies prefer non-cash payments, as in this case they can save on distribution costs. Cashless payments are widely used due to the extensive network of banks and the country's interest in their development.

Essence of the question

The concept of cashless payments should be familiar to every company that makes or accepts payments from counterparties.

What it is?

Non-cash payments - cash payments that are carried out according to account records in banking institutions, when money is debited from the accounts of companies that transfer them, and credited to the addressee's account.

There is a system for organizing such calculations, which means a set of principles, requirements that apply to an enterprise.

It is also a set of forms and methods of payment and the associated turnover of documentation. Cashless payments are the main component of all money transactions.

Their classification

Given the type of settlement documentation, there are:

• settlements that are carried out on the basis of payment requests;
• settlements carried out on the basis of collection orders;
• calculations that are carried out on the basis of;
• check payments;
• letters of credit.

Settlement documentation on paper is drawn up on forms that are approved by law and made in a printing house or using a computer.

Taking into account the method that is used to organize the payment, there are:

Calculations	When a mutual demand is read
Planned calculations	In which the amount is transferred from the accounts of buyers to the accounts of firms that sold the goods, taking into account the value of the price of the goods received or provided
Factoring operation	Under which debt obligations of companies are transferred to a factoring institution
Leasing operation	When services are provided with the rights to purchase the object in the future
Full settlements by amounts	What is reflected in the settlement documentation, calculation according to the balance of the mutual claim of the payer and the recipient
Settlements with guaranteed transfers	When there is a preliminary on a separate bank account at the location of the payers with the possibility of further debiting from the accounts, when funds are credited to the accounts of buyers at the location of the payers

Taking into account the nature of the relations of the economic plan, non-cash payments are represented by the following types:

Taking into account the way the goods are sold, the calculations can be:

Relevance of the topic

The most important condition for the functioning of the economy is a reliable payment system that can provide a dynamic and stable turnover when transferring money between economic agents.

With an efficient cashless system in place, payments are made faster, settlements are more secure, cash is replaced and distribution costs are reduced, printing costs are reduced, etc.

A clear organization of cash settlements is relevant, since the monetary stage of the turnover of amounts is of great importance in the work of the company.

Legal regulation

The main legislative sources of regulation of settlements:

1. GC of Russia.
2. Law On Banks and the Activities of Banking Institutions .

Emerging nuances

The form of organization of non-cash turnover is payment systems. The basis is settlements between companies, citizens,.

The system ensures the circulation of non-cash between companies, the purpose of which is to fulfill payment obligations in a timely, correct and complete manner.

If the settlements are not timely, the financial condition of the settlement participant will be worsened, confidence will be undermined, and a stable financial system will be disrupted.

The Russian payment system is represented by a number of elements that will ensure the fulfillment of obligations on debts that arise in the course of economic activity.

How does this payment system work?

Settlements are carried out mainly on accounts that both payers and recipients must have. Cashless plan settlements are carried out by companies and individuals through banks where accounts were opened.

Bank accounts are drawn up between the parties.

It is worth adhering to the following principles when organizing cashless payments:

Payments must be made to a bank account	What is open to store and transfer money. Payments must be made through banking institutions
Payments are made by banking institutions on the basis of the order of the account holders according to the rules of priority	What is set as part of the balances on the accounts
Adhere to the principle of freedom when choosing a form of payment for a non-cash plan by the company	And their approval in the contract, when banks do not interfere in the relationship. (There is information about the above principles in).
Calculations are carried out, taking into account the terms that are established in, credit, instructions of the Ministry of Finance,	Urgent payments can be made: before trading operations, until the goods are shipped ( ); after the operation is completed; some time after the completion of trading operations (commercial credit without debt obligations, promissory note). There may be early, deferred and late payments
The principle of security of payment, when the paying firm must have liquid funds	What can be applied when paying off obligations to the person to whom the money is addressed

Organize a system of cashless payments, taking into account the following components:

• principles of organizing payments, which are mandatory for each entity;
• a system of accounts that will allow making payments by bank transfer;
• system of forms of payments, documentation and procedure for circulation of documents.

It is based on bank accounts, settlement monetary documents. Calculations should be carried out so that the payment is made as quickly as possible, so that the reproduction process is continuous and accelerated, and the funds are turned over.

Payment is made by bank transfer by transfer to the settlement accounts of recipients.

Who sets the rules for making such calculations?

Settlements between firms are carried out by banking institutions (the bank opens a current account for the client), and between banking institutions - by the RCC.

Settlement operations on bank accounts can be performed on the correspondent account of the bank, which is opened from each other, based on.

If the economic authorities come to an agreement, the offsets of mutual debts can be carried out not through the bank.

When obligations are not fully terminated during offsetting, payment documents are submitted to banks to transfer the money remaining after offsetting.

The Government of Russia performs the functions of regulating settlements, determines the maximum amounts of settlements in cash and the standards for conducting settlement transactions.

The Bank of the Russian Federation is a body that regulates and issues non-cash settlements, a cash settlement center.

It establishes the procedure, term, form and standards for settlements. The rules for making payments of a non-cash plan are considered in the Regulations on non-cash payments in the Russian Federation.

Transaction tools

The economic base is a production process of a material nature. Most of them are settlements for transactions with shipped goods, work performed, services rendered. The rest of the money turnover is settlements for non-commodity transactions.

Various forms are used - payment methods and documentary circulation. Relevant:

• statements and their provision to another participant in settlement transactions;
• the content of the settlement documentation and its details;
• the period when the settlement document is drawn up and the rules for submitting it to a banking institution and to another participant;
• movement of documents between banks;
• rules and terms of payment for documents, transfers and receipt of money;
• rules for the use of settlement documents in the case of mutual control of participants in settlement transactions.

The documentation should reflect the name of the document, payers, recipients.

Current accounts are opened:

• public, religious and trade union organizations;
• representative offices and branches that are on independent balance sheets, but do not have permission from a higher authority;
• non-self-supporting divisions and branches

Sub-accounts:

• open a non-self-supporting unit;
• open at the request of parent companies;
• they open on the orders of banking institutions that serve the parent company, etc.

The following accounts are opened:

• temporary, to credit the funds of the authorized capital;
• special loan to carry out lending operations when they receive loans at a banking institution where there is no current account.
• deposit, in order to receive additional profit for holding money for certain periods.

What does the moment of fulfillment of a monetary obligation mean?

You do not quite understand how this concept is deciphered? Let's try to figure it out. When fulfilling settlement obligations, it is worth determining the moment of their fulfillment.

There are no clear rules that would apply when returning excess tax amounts on the basis of,.

The SAC explains that the payer is recognized as having fulfilled its obligations at the moment when the corresponding amount is received by the banking institution indicated by the recipients of the funds.

What is the economic essence?

Most of the cash flow is non-cash payments. Their part in the Russian Federation is 60%, and in developed countries - 90%.

Operations on the company's settlement accounts reflect changes in debt claims and obligations. Within the company, they reflect how the national product and national profit are distributed and redistributed.

If the clear work of banking institutions is organized, cashless plan payments contribute to the fact that:

• the turnover of funds is accelerated;
• faster payments;
• cash is reduced, which is necessary in circulation;
• distribution costs are reduced - additional costs for printing and recounting the money required when making cash payments.

Using non-cash payments, they develop an extensive banking network. The very interest of the country also plays an important role

Current problems

There is no unified payment system in the Russian Federation. The same that works does not meet the standards set at the international level. A number of segments of the payment system differ from each other in terms of the level of technological development.

Many settlements are made to this day through the MFIs of the settlement networks of the Central Bank of the Russian Federation. But it does not meet the requirements for the speed and quality of implementation.

Integration into global payment systems is slow. Such problems are solved in several directions:

1. The forms of organization of settlements on the settlement network of the Central Bank are being improved.
2. Electronic payments and modern technologies with the use of computers and a computer network are widely used.
3. New forms of organizing settlements are being developed.

The Bank is implementing a number of measures aimed at improving the payment system of the state. The quality of settlements is gradually improving and a platform is being prepared so that a modern form of organization of settlements can be introduced.

Measures are being developed and implemented to improve the methodology for making calculations. If there are no legislative provisions, the payment system will be exposed to instability. There will be legal risks for banking institutions and all economies.

In the Russian Federation, there is still no legislative framework that would regulate the conduct of electronic payments. There are areas of work in progress:

• information technologies are being developed;
• provide comprehensive protection of banking activities;
• there is a metrological support of operations in banks;
• provide standardization of the procedure for making settlements, conducting operations, accounting and reporting for banking systems.

Distinctive features of means of payment

Here are some of the distinguishing features:

• the executing party is a banking institution;
• banks do not have the right to write off money from accounts if there is no consent of the client for this;
• banks cannot control the spending of money by customers;
• payments are made if there is a sufficient balance on customer accounts;
• must strictly comply with the documentary forms of settlement documentation.

Prospects for the development of cashless payments

It is necessary to introduce not only a modern system for the transmission and processing of accounting operational data, but also comply with the requirements for compliance with the settlement networks of the Central Bank of the objectivity of the payment system at each stage of improvement.

It is necessary to reform the tools and procedures that are used in the transfer of money, the system of institutions of the Central Bank. In the near future, the Russian Federation plans to abandon the paper data carrier and work with electronic documentation.

The Bank believes that it is necessary to conduct transactions in order to provide a delivery mechanism against payments, payments that are made by the clearing and clearing house in order to complete settlements.

The telecommunications network of the Central Bank will be developed, which will ensure the permanent operation of the payment system. The settlement apparatus will become an integral system of gross settlements in real time.

They will develop an interface for interaction with the settlement and clearing house, the securities settlement system, and the intra-bank settlement system.

It is possible to switch to promising systems if a single network for data transmission and processing is created. The network should have the following components:

Features for Subjects

Let's find out what to pay attention to. What is worth knowing about non-cash payments carried out at enterprises and individual entrepreneurs.

At the enterprise

To carry out settlement operations, open bank accounts by providing a number of documents. After that, most of the calculations are carried out - for the repayment of the loan, the sale of goods, the payment of money to employees, etc.

It is important to distinguish between transactions that are related to entrepreneurial activity and not related to such, which is not so easy to do from a legal point of view.

Non-cash payments - a large part of the calculations between business entities. And the government is heading towards the development of an appropriate payment system.

There is hope that in the near future cashless payments will be improved, as the authorities are taking appropriate measures. At the same time, it is worth relying on the norms that exist.

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