What to enter in the “payment details” in Sberbank Online

What does it mean to specify a payment in Sberbank?

According to current legislation, banks are required to verify the legality of payments and identify payers. For this purpose, payment orders have a separate column “Purpose of payment”, which indicates the agreement under which the payment is made, the nature of the payment (advance payment, payment for work and services performed), and other signs by which you can determine what the money is transferred for. If necessary, banks may request documents specified in the payment purpose for additional verification.

When making payments between legal entities, filling in this field is mandatory. When generating a payment order for goods and services, when making payments to the budget and extra-budgetary funds, when making a payment for a third party, etc.

If an individual transfers money from his or her account, you will need to enter information only if it is marked with a “Required” sign (red asterisk).

If the payer does not indicate the purpose of the payment, it will accordingly not be reflected in the payment receipt. Therefore, if controversial issues arise with the recipient of funds, it may be problematic to prove the fact of payment for a specific service or product.

Results

The need to indicate the UIN in payment orders arises in the case of payment of arrears, penalties or fines based on a requirement issued by a tax authority or an extra-budgetary fund. The UIN value for inclusion in this document is taken from the text of the relevant authority’s request for payment.

Sources: Order of the Ministry of Finance dated November 12, 2013 No. 107n

You can find more complete information on the topic in ConsultantPlus. Free trial access to the system for 2 days.

How to fill out the column?

There are no strict requirements for filling out the column; information is entered in any form, it must be sufficient for the bank to process the payment.

The column “Purpose of payment” in Sberbank online is located in the sections: Filling in details, Payment details, Confirmation. The information must contain the following data:

• What is the payment for, for example, payment for goods (felt boots), for work completed on building a house, repayment of debt, charity, etc.;
• Number and date of the document on the basis of which the payment was made, for example, agreement for the supply of felt boots No. 22 dated 05/01/2019, or loan agreement No. 42/37 dated 05/01/2019;
• When making a payment to a third party, it is indicated for whom the payment is being made, under what agreement, etc.

Specific information depends on where the transfer is made: to your account, to another individual at Sberbank, utilities are paid, or funds are transferred to another bank, etc.

In the Sberbank online system there is a limit on the number of characters. The column must contain no more than 210 characters, including spaces.

What is written on the receipt and how to understand it #Company News

Every month we receive receipts for housing and communal services - a mandatory payment document. Despite the fact that we see these documents month after month, it is very difficult for some to understand what the lines in the invoices mean. Specialists from Komi Energy Sales Company JSC answered popular questions about charges and explained to clients how to understand receipts.

Why does my receipt say several contracts? I only pay to the Komi Energy Sales Company.

In receipts of Komi Energy Sales Company JSC, housing and communal services are presented for payment, provided both by the company itself and by other suppliers, ROS LLC, etc.). According to agency agreements, the company pays for services, as well as collects payments to its current account, followed by a daily transfer of the received funds to the service provider.

What are the two fields with charges on the receipt? How much should I pay?

The upper left part of the receipt displays the amount due for the current billing period. For example, in a December receipt, this part of the receipt shows charges for November.

In the upper right part of the receipt there is information about the amount due, taking into account the debt (if any). In this case, the debt is displayed as the total amount for all contracts. If at the time of issuing the invoice the client has made a payment under an electricity supply contract (where the supplier) and at the same time has a debt for another service (heating, MSW management), then the receipt will indicate the total amount of the debt without taking into account payments and overpayments under other contracts. The company does not have the right to transfer an overpayment from one type of service to pay off a debt to another without the client’s application.

Why does the debt always “grow” on the receipt?

The amount of debt in the receipt can only increase if payment for the contract or contracts is not received on time. All payments received under the contract for the past billing period are reflected at the top of the receipt.

Where can I pay the bills of JSC Komi Energy Sales Company without commission?

You can pay the bills of Komi Energy Sales JSC without commission on the website, in the “Convenient Services” section - “Pay online” (without registration) or in the “My Sales” mobile application, which is available for users of Android and iOS systems, as well as in offices companies. Detailed information about commission-free payment channels is indicated on the website in the “Individuals” section.

Can I pay for each contract separately?

When paying bills, the client has the opportunity to independently determine its purpose: to pay for all services included in the receipt, or to pay for a specific service according to the number of the required agreement.

You can pay for all services at once by scanning the QR code on the receipt. To pay for a specific service, you must indicate the number of the contract into whose account the money is deposited. Contract numbers are indicated on receipts.

When paying for each contract separately through the services of Komi Energy Sales Company JSC, no commission will be charged either.

When is the best time to pay bills?

It is better to pay receipts before the 23rd, since payments made later than the due date may not be credited to the current receipt account.

What should I do if I paid more than what is indicated on the receipt?

All overpayments made by the client are displayed on receipts and are highlighted with a “-” sign in the upper left part of the receipt. At the client's discretion, the overpayment can be used to pay for services under the contract in subsequent periods, transferred to another contract, or returned to the client's bank account.

If the client wants to transfer the overpayment from one contract to another, then it is necessary to write an application to Komi Energy Sales Company JSC on the website in the “Feedback” section.

I am not receiving receipts, what should I do?

JSC Komi Energy Sales Receipt sends monthly receipts to customers. But there are circumstances beyond the control of the company itself: delivery of payment documents to mailboxes can only be ensured if they are in proper condition. If the client's mailbox is not locked and does not ensure the safety of personal data, the receipt remains in storage at the post office at the facility address until requested by the client.

To always be sure that your account will not be lost or fall into the wrong hands, it is better to subscribe to the electronic format for receiving receipts. An electronic invoice is a PDF file and has the same appearance as a paper one. Invoices are delivered to your email address free of charge, several days earlier than paper versions. In addition, you can receive bills from your parents and grandparents electronically and pay them. It's easy to connect an electronic receipt. It is enough to subscribe in your Personal Account” in the “Subscriptions” section.

You can also monitor the status of your bills and pay them without commission in the “Personal Account” on the company’s website or in the “My Sales” mobile application.

What is ODN and ODPU on a receipt?

ODN are general house needs, and ODPU is a common house metering device. Payment for utilities for single apartments according to the general administrative budget falls on the owners of apartments in multi-apartment buildings, so the information is displayed in receipts.

Where can I go if I want to find out why such charges appeared on the receipt?

If you want to find out on what basis accruals were made in receipts or how the bill for the current month was formed, you can leave a request on the company’s website using the “Feedback” online service. Specialists will definitely provide a detailed answer to your question.

How to get to the company’s office to understand the accruals?

It is not necessary to come to the company office.
You can leave a question on the website using the “Feedback” service. If you still decide to visit the company’s office, then you need to make an appointment in advance. The company strictly complies with the requirements and recommendations of Rospotrebnadzor to prevent the spread of COVID-19. In this regard, the flow of visitors into the office premises is limited; specialists conduct receptions in masks and gloves. You can sign up for an office visit through the “Personal Account” on the company’s website or by calling the Contact Center number indicated on the back of the receipt. To simplify access to the Personal Account, all clients who have not previously used this service are sent credentials (login and temporary password) in receipts. This operating procedure allows you to avoid queues and receive services quickly and safely. When making an appointment at the office through your “Personal Account”, you can choose a convenient time for your visit. When making an appointment at the office through the Contact Center, you must dial the number and press the number 5 in tone mode. Komi Energy Sales Company JSC also draws attention to the fact that the reverse side of the receipt (both electronic and paper) contains information about office addresses and numbers of Contact Centers that serve the client. Also on the back of the payment document you can find information about the company’s promotions, new services, and methods of transmitting readings.

Transfer to your account

At Sberbank, one person can open an unlimited number of accounts and cards; if necessary, clients can transfer money between their accounts without restrictions and without commission. In this case, the “Payment purpose” field is not filled in.

When filling out a payment order, the column is blank, so it can be left blank. If the payment amount is more than 50 thousand rubles, you can put “Transfer of own funds” in the column, this will simplify the bank’s verification of the transaction and the payment will be completed faster.

What to indicate in field 22

Payment order field 22 “Code” cannot be empty. It is necessary to indicate a unique accrual identifier, and if it is absent, enter zero (“0”). A payment with field 22 left blank is not completed correctly and the bank will not accept it.

IMPORTANT. It is not the taxpayer’s responsibility to independently determine the UIN for a particular payment. This code is transferred from the payment request. Moreover, there is no single value that would be applied to all taxes, fees, contributions, penalties or sanctions. Each code is unique.

Housing and communal services payments and more

When paying for housing and communal services, mobile communications, or making other payments using templates, the field can be left blank. In this case, the system independently identifies the recipient of the funds.

If the payment is made in favor of a legal entity for purchased goods or services, you will need to fill out the column.

The following information is entered:

• What is the payment for?
• Based on what agreement?
• For what period?

For example, “payment for services for high-speed Internet provision under contract No. 123 dated 05/01/1029 for the period from 05/01/2019 to 05/15/2019.”

When paying taxes, you will not need to fill out the column if you use the payment number indicated on the receipt.

When paying using the details, the type of tax is indicated in the purpose of payment, for example, “transport tax”, “land tax”. Even in the absence of information, banks will not return the transfer of payments to the budget due to lack of grounds.

What UIN code should organizations indicate in payment orders in 2021?

Organizations enter a UIN code only when they transfer to the budget the amount specified in the request for payment of a tax, fee, insurance premium, penalty or fine. Such a requirement may come from the tax office. Funds have the right to charge policyholders certain types of fines. For example, the Pension Fund may demand payment of a fine for failure to provide annual information about the length of service, and the Social Insurance Fund may demand payment of a fine for failure to submit annual information about the length of service, and the Social Insurance Fund may demand payment of a fine for violating the deadline or procedure for submitting 4-FSS.

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In such a situation, the accountant needs to take two simple steps.

1. Determine which UIN is included in the request for payment of a tax, fee, insurance premium, penalty or fine.
2. Duplicate it in field 22 of the payment slip, which is issued in connection with the fulfillment of the requirement.

It is very important not to make mistakes when transferring the code from the request to the payment. An incorrect value will result in the payment not being identified. As a result, the organization’s debt will not be written off in a timely manner, which will lead to further accrual of penalties.

The situation is different if the organization calculates the payment amount independently. This is exactly what happens when paying current taxes, fees and contributions, the amount of which is indicated in the declaration, calculation or other document. For example, VAT at the end of the quarter, income tax at the end of the year, personal income tax for the month, etc. And in some cases, the organization itself calculates arrears for past periods and penalties. Then there is no need to specify a unique identifier.

ATTENTION. The bank is obliged to accept and execute a payment without a UIN if a legal entity transfers current payments for taxes or contributions, or repays arrears calculated on its own. The main thing is that the company does not forget to reflect its Taxpayer Identification Number.

Automatically generate a tax payment invoice based on the data from the declaration and submit reports via the Internet

There is another reason why the organization does not reflect the UIN. This is a situation where a payment request is received, but the unique accrual identifier is not there. Under such circumstances, the accountant is not able to indicate the UIN on the payment slip.

Transfer to another person to Sberbank

When making a transfer to another individual whose account is opened with Sberbank, it is usually not necessary to fill out the column.

However, the recipient of the funds may need the column to be completed. For example, he is engaged in commercial activities and is officially registered as an individual entrepreneur. To ensure that the tax office does not have questions regarding receipts to the account when calculating the taxable base, it would be better if the column was filled in. You can justify the transaction as a “Private Commercial Transfer”.

Despite the fact that it is not mandatory to fill out the field, it is better to do this for transfers worth more than 25 thousand rubles, for example, you can write: “Private non-commercial transfer.”

Types of payments

Depending on who makes the payment, where and for what the funds are transferred, there are payments when it is not necessary to fill out the “Payment Purpose” and when the payment will not be made without entering the information.

It is not necessary to enter data for the following operations:

• Transfer funds from your account to your account;
• Transfer of funds to an electronic wallet account;
• Payment for mobile communications, housing and communal services;
• Repayment of debt under a loan agreement executed at Sberbank;
• Payment of taxes;
• Payment of traffic fines.

In these cases, the field is left blank or filled in at the discretion of the payer, in agreement with the recipient of funds. In any case, the bank will not return the payment due to incorrectly filled in data.

The field is required to be filled in when making the following types of payments:

• Repaying a loan from another bank. You will need to indicate the number and date of the loan agreement, full name. borrower. For example: Repayment of debt under a loan agreement concluded with Ivan Ivanovich Ivanov No. XXX dated 01/01/2019;
• Interbank transfers. For example: Debt repayment, Donation;
• Payments to government bodies and organizations;
• Social Security contributions;
• Payment for goods and services. For example: Payment for goods under contract No. XXX dated 01/01/2019. Payment for repair work under contract No. ХХХ dated 01/01/2019 and acceptance certificate No. ХХХ dated 01/01/2019.

When creating a payment order, you should take into account that the bank has the right to request documents specified in the purpose of the payment, therefore it is not recommended to enter incorrect information.

If a large amount of money is transferred, the bank may request additional confirmation. You will need to call the Call Center operator and confirm the transaction.

UIN in the payment slip of an individual entrepreneur

Individual entrepreneurs, notaries, lawyers and other “private traders” have the right to enter one of two details into payments: either TIN or UIN. This was emphasized by the Federal Tax Service in a letter dated 04/08/16 No. ZN-4-1/ [email protected]

We draw conclusions:

• when transferring the amounts specified in the payment request, the individual entrepreneur has two options: either put down the UIN (duplicating it from the request) and do not indicate the TIN, or put down the TIN and do not indicate the UIN;
• When transferring amounts calculated independently, the individual entrepreneur has only one option: display the TIN on the payment slip, since there is no unique identifier.

Fill out payments in the web service for individual entrepreneurs for free

Service codes

When conducting a transaction using the details of the recipient of funds, the payer must find a counterparty online in Sberbank. This is not always convenient, troublesome and takes a lot of time. The name of the recipient of funds and his details are entered in the search line, then the desired company is selected from the generated list.

You can use the templates that are included in the system, but they exist for a limited circle of recipients of funds: traffic police, mobile communications, housing and communal services, etc.

In order to make a payment quickly and easily, the payer can use a QR code. It is located on the receipt and is a square with the following signs:

This is a quick response code that allows you to complete the transaction with maximum comfort and speed. All users who have a camera on their smartphone can use the payment code.

Payment using a QR code is made from the Sberbank online mobile application.

Procedure for performing the operation:

• Select the “Payment by barcode” option in the main menu of the mobile application;
• Place your phone near the code and scan the image.
• The mobile device screen will display information about the transaction, information about the recipient, and a completed payment receipt.
• Enter the necessary additional information, for example, when paying for housing and communal services, enter meter readings and the payment amount;
• Complete the operation by clicking “Pay”;
• Confirm it using the code.

UIP - what is it?

UIP is a unique payment identifier that is set by the recipient of the funds. For example, it is assigned by counterparties from among budgetary organizations.

You need to indicate the UIP in field 22 if your counterparty assigned it to the payment. If not, field 22 is left blank.

You will find a complete list of cases when the UIP field is filled in in ConsultantPlus, and you will also find out whether the bank may not accept a payment if the UIP is not specified or is specified incorrectly. Get trial access to the legal system for free and proceed to the material.

Possible problems

When creating a payment order, the payer may encounter various problems that must be taken into account in advance so that the payment is processed by the bank in a timely manner. The most popular are:

The text does not fit in the column. The system will not allow you to enter information exceeding 210 characters in the “Payment purpose” field. The way out is to reduce the text to the required size; it is possible to reduce the entire text, but without losing its meaning. Unacceptable symbols. The most common invalid characters are "" or an em dash. In order for the system to skip the payment, you will need to replace the symbol with another one or eliminate the symbols altogether when entering information. The payment assignment does not go through. The system usually accepts the payment purpose, even if there are errors. Therefore, if the wording does not pass, then clarification is required (you must include the contract number, date, etc.)

If the payer has not filled out a field that is required when generating a payment, the system will not allow him to enter data further until the error is corrected.

When an error is discovered after sending an order for execution, you must immediately inform the support team about the need for revocation. In your personal account you can check the status of the order. If it is “Processing”, a revocation is possible; if its status is “Executed”, then the payment has been completed and it is impossible to return it.

Payer status

Statuses no longer apply:

• “09” - taxpayer (payer of fees, insurance premiums and other payments administered by tax authorities) - individual entrepreneur;
• “10” - taxpayer (payer of fees, insurance premiums and other payments administered by tax authorities) - a notary engaged in private practice;
• “11” - taxpayer (payer of fees, insurance premiums and other payments administered by tax authorities) - lawyer who established a law office;
• “12” - taxpayer (payer of fees, insurance premiums and other payments administered by tax authorities) - head of a peasant (farm) enterprise;
• “21” is the responsible participant in the consolidated group of taxpayers;
• “22” - a member of a consolidated group of taxpayers;
• “25” - guarantor banks that have drawn up an order for the transfer of funds to the budget system of the Russian Federation upon the return of value added tax excessively received by the taxpayer (credited to him) in a declarative manner, as well as upon payment of excise taxes calculated on transactions of sale of excisable goods for limits of the territory of the Russian Federation, and excise taxes on alcohol and (or) excisable alcohol-containing products;
• “26” - founders (participants) of the debtor, owners of the property of the debtor - a unitary enterprise or third parties who drew up an order to transfer funds to repay claims against the debtor for the payment of mandatory payments included in the register of creditors' claims, during the procedures applied in the case of bankruptcy.

In field “101” (the status of the author of the order), the value “13” (payer of fees, insurance premiums and other payments administered by tax authorities) must be used for the following payers:

• individuals;
• individual entrepreneurs;
• notaries engaged in private practice;
• lawyers who have established a law office;
• heads of peasant (farm) households.

Tax agents still indicate the status "02".

Be careful when creating payments and do not forget to change the templates for filling them out.