If you have chosen “Bank transfer (individuals)” as payment for your order and received an invoice from our manager, you can go to the nearest branch of any commercial bank and make payment there, but the most convenient and modern way will be to pay through your personal account on the Internet bank, as well as payment systems and electronic wallets.

Internet banking and electronic wallets- These are very convenient modern remote services that allow clients to perform various operations with their bank and electronic accounts online.

In use, online banking and payment systems are as simplified and understandable as possible. First, you need to log in to the system you want to use to pay your bill. To do this, upon request, you must enter the login and password that you received during registration. The password can be permanent, or it can be one-time and you will receive an SMS message every time you log into your personal account (depending on the bank and payment system). Please note that some banks and services may charge a commission of 1 to 5% depending on the transfer amount.

We have prepared for you step-by-step instructions for paying bills in personal accounts of the main state and commercial banks operating in the Russian Federation and the most popular electronic wallets:

Yandex money necessary:

2. On the main page of your personal account, in the left menu, select “Payment for services”.

3. On the "Payments for services" page, select the "Receipts" menu.

4. In the “TIN or organization name” line, enter the TIN of our company, which you can find in the details of the invoice sent to you by mail. And click the "Continue" button.

5. The system itself will insert data from the register of legal entities, but for reliability, it will not be superfluous to check them with the received invoice. After checking the data, click "Continue".

6. Fill in the fields:

• "Payer's name" is your full name or the name of the person paying the invoice.
• "Category" - select "Invoice for goods or services."
• "VAT" - select "Not indicated on the receipt."
• “Written off” is the total amount you will pay, taking into account the commission of the Yandex.Money service. This field will be filled in automatically by the system.

and click on the "Continue" button.

7. Select the most convenient payment method and click on the "Pay" button.

9. The system will notify you that the payment has been successfully completed, send an electronic receipt, and the payment will appear in the “Transaction History”. As soon as the funds are credited to our account, we will transfer your order to the transport service, of which we will notify you by email. Enrollment period is from 1 to 3 working days.

Please note that all details indicated in the screenshots are examples and may differ from real ones. Do not use them to send your payments. Take all data from the received invoice.

To pay a bill through an electronic payment service QIWI Wallet necessary:

2. In the main menu, select "Payments and transfers".

4. Select "Payment by details".

5. Fill in all fields using the details from the invoice sent to your email.

• "Recipient's account number" - current account number (r/account).
• "VAT" - select "Not taxed".
• "Recipient type" - indicate "Commercial organizations".
• "Payment speed" - select at your discretion.
• "BIC of the recipient's bank" - the BIC column in the account.
• "Name of recipient" - column Recipient in the invoice.
• "Recipient's TIN" - the TIN column in the invoice.
• "Recipient's checkpoint" - the checkpoint column in the invoice.
• “Payment purpose” - indicate “Payment for order No...”, where No. indicate the invoice number received by mail.
• “Last name of the payer”, “First name of the payer”, “Middle name of the payer” - your full name or the person paying the invoice.
• "Amount" - enter the amount from the "Total payment" column.

6. Next, click “Make a payment” and follow the system prompts. As soon as the funds are credited to our account, we will transfer your order to the transport service, of which we will notify you by email. The payment processing time is from 1 to 3 working days.

Please note that all details indicated in the screenshots are examples and may differ from real ones. Do not use them to send your payments. Take all data from the received invoice.

To pay a bill through the service Sberbank Online necessary:

2. On the main page of your personal account, go to the “Transfers and Payments” tab.

3. In the menu that opens, select the “Organization transfer” item.

4. Next, you need to fill in the recipient's details. All data is indicated in the issued invoice - account number (current account), INN and BIC of the bank. Here we select the card (Debit Account) from which the payment will be made. For transfers, you can only use bank cards, so take care of the required non-cash amount in advance. Click the “Continue” button.

5. The Sberbank Online system itself will determine and substitute all the necessary data for our company from the classifier. All you have to do is fill in your details, marked with an asterisk. At this step, enter your full name. and click on the "Continue" button.

7. In the next step, enter the invoice amount and click on the “Confirm via SMS” button. Please note that the bank may charge a fee for this transaction.

8. Enter the code from SMS and confirm the action. Be careful, Sberbank never sends messages to its clients with codes for canceling or canceling transactions. Only scammers engage in such activities. If you encounter this situation, contact a bank branch or call the Help Desk.

9. If you did everything correctly, Sberbank Online will notify you that the payment was successfully completed. As soon as the funds are credited to our account, we will transfer your order to the transport service, of which we will notify you by email. Enrollment period is from 1 to 3 working days.

Please note that all details indicated in the screenshots are examples and may differ from real ones. Do not use them to send your payments. Take all data from the received invoice.

To pay an Internet bank account Tinkoff necessary:

2. In your personal account, select the "Payments" tab.

3. On the "Payments" page in the "Transfers" menu, find the "Organizations" icon and click on it.

4. In the menu that opens, select “For a legal entity.”

5. In the window that opens, fill in all the fields based on the invoice received. In the payment purpose, indicate the order number you are paying for. And click on the "Translate" button. As a rule, the bank does not charge any commission.

Using an Internet service allows you to save time, money and nerves.

To pay you don't need:

• go to the department;
• stand in line;
• listen to comments, complaints, stories;
• pay a commission and pay the operator.

To do this, it is enough to know how to pay a bill through Sberbank Online.

The necessary conditions

To make a payment you will need:

• a computer or mobile device with access to the World Wide Web;
• card or account;
• login and password for accessing your personal account;
• an invoice from an organization, product or service that you would like to purchase.

Login

In the search engine or address bar, enter “Sberbank Online” and follow the link. You get to the start page of the service. In the upper left corner of the screen, enter your username and password. Click the “Login” button below and wait for the system to respond. An SMS message with a one-time access password will be sent to your phone number, which you need to fill out in the field in the center of the new page. After confirming your entry, you are taken to your home page and receive a login message on your phone.

Beginning of work

In the top line of the screen, left-click on the second button from the left: “Payments and transfers”, then on the “Organization transfer” link located in the second column on the left.

Fill in the details

Now take the invoice and begin to carefully fill out all the fields on the “Select Recipient” tab.

When paying to an organization, all fields are required.

The following will help you determine the recipient:

• current account number (do not confuse with correspondent account);
• Seller's TIN;
• The bank identification number of the financial institution.

If you have several cards or accounts, do not forget to select the one from which the debit will be made.

To make it easier to fill out the details, use a pencil to divide long numbers into triplets and have a magnifying glass ready.

If you typed correctly, after clicking the “Continue” button, the name of the recipient and his bank will appear on the screen. This information must be verified against the invoice received. If there is a discrepancy, check the entered numbers and if an error is found, follow the “Back” link. Having corrected any inaccuracies, proceed to filling out the following details.

Enter the missing data

It can be:

• number and date;
• appointment;
• last name, first name, patronymic (if any) of the payer, his registered address, etc.

To proceed to filling out the following fields, do not forget to click the “Continue” button.

Once completed, you will be asked to enter the payment amount. When you go to the next screen, the commission amount will appear above it.

We give confirmation

Click "Receive code via SMS". A letter will be sent to your phone with the details of the total amount to be withdrawn and the code for the operation. The code is valid for 300 seconds. Carefully check the specified data with those displayed on the screen. If you are completely identical, fill in the code field and click “Confirm”. The full details of the completed payment with the electronic signature of the bank “Executed” will appear on the screen.

• “Print check”;
• “Save as template”;
• "Repeat".

You will receive a message on your phone about the withdrawal of money.

Track your progress on the main page and in your transaction history. From the last page, you can re-execute it at any time, as well as perform any necessary actions.

To carry out a financial transaction, 10 minutes are enough. Feel the pleasure of using the service.

If you require pay for company services, which is not in the lists of payment recipients of the Sberbank Online system, use the “Pay by details or receipt” link on the “Payments and Transfers” tab.

All requested details of the payee must be contained in receipts for payment, which was provided to you by the organization. Also, as a rule, details can be found in the contract with the company for the provision of services.

As a last resort, you can request the provision of details separately from the contract; usually, any organization or company provides this information without any questions.

Standard details that are required to perform a money transfer to a legal entity (and not only to Sberbank Online):

• Recipient's account number;
• recipient's TIN;

By the way! BIC can be found by bank name through the built-in Directory. To do this, click on the “select from directory” link next to the BIC field and find the name of the corresponding bank in the list, the BIC will be entered automatically.

Select the card with which you want to pay your invoice.

For some organizations or companies it is necessary to indicate additional payment details or fill out the “Purpose of payment” field, in which you should indicate all the necessary information to accurately identify the payment or to transmit additional information to the recipient (except the amount).

Carefully check the specified details and confirm the operation with a one-time password. After this, the payment is transferred to the Bank for processing.

The completed payment is credited to the recipient's account no later than the next bank ( worker) days after payment is processed. If the funds have not been credited to the recipient’s account, check the payment status in the “History of transactions in Sberbank Online” section.

If for some reason the transaction was not carried out, its status will be “Not accepted by the bank.” Try the operation again or contact Sberbank Support Service to clarify the reasons for the payment rejection.

Also, you can print out a receipt for the transaction at any time in the “History of transactions in Sberbank Online” section.

If you frequently make payments to this recipient, we advise you to create a confirmed transaction template. Next time, a payment using these details (within the created template) will be executed without confirmation with one-time passwords.

note! Payments using arbitrary details are not available for clients who have not completed an UDBO at a branch of Sberbank of Russia (for more details, see paragraph

Today, payment by card via the Internet is perhaps the most common method of online payments both in Russia and abroad: from purchases of goods and services, to payment of taxes, loans, and payments for housing and communal services. And taking into account the fact that the number of cardholders is increasing every year (and it’s rare to find an organization that issues salaries in cash), it wouldn’t hurt for people to take a closer look at a bank card not only as a piece of plastic from which they can withdraw money from an ATM after each payday , but also as a full-fledged financial instrument. Therefore, cashless payment skills should be developed now. In this article we will tell you how to pay with a card online correctly, what to pay attention to when paying, and how to avoid falling into the clutches of scammers.

What cards and for what can we pay online?

Let's start with what cards we can pay online. You can use almost any cards for these purposes (including cards of the national payment system MIR), with the exception of budget cards: VISA Electron, Mastercard Maestro, MasterCard Electronic. There is a very simple way to find out whether your card will be accepted for payment or not - this is the presence on its back side, or a secret code (more details in the link and later in the article). But, for example, budget cards at Sberbank have a similar code “on board”.

Here’s another tip: use for payment or, what’s even more convenient, . It only takes a few minutes to open them (especially a virtual one) - thereby you will protect your main card (debit or credit) from compromise. This term refers to the fact that your card data is “disclosed” by fraudsters (i.e., stolen), which will allow them to transfer money from your compromised card account in an unknown direction. We will talk about the safety of online payments below, but in any case you need to “start” with - you should know this basic information and apply it “automatically”, like washing your hands before eating!

Another nuance. You may not be aware, but all card transactions in online stores are commission-free! And for transfers, payment of taxes and utilities, the bank may well charge additional fees. commissions. In fact, the store itself pays the commission for you, and the money does not go directly to its bank account, but more cunningly - through payment systems (the most famous: Visa, MasterCard and the increasingly popular domestic Mir system), thanks to which we have the opportunity pay with a card from ANY bank in ANY online store in the world. But for us, clients, this is not so important, but what is important is that online payment is safe. And this opportunity is provided to us not by the stores themselves, but by specialized online services certified in payment systems to comply with security standards, through which stores accept cards for payment.

Since almost any commercial resource today interacts in one way or another with similar services (i.e. they are connected to payment systems), we also have the opportunity to pay for services such as: home delivery of food; booking tickets and hotel rooms, cinema seats; purchasing any goods in online stores (from a ping pong ball to a car), ordering services of any nature. The list can be endless - every day there are more and more services for which you can pay online.

A significant part of our society is conservatives who accept any innovations with great caution. And the other part are those who perceive modern technological capabilities too easily and carelessly. And somewhere in the middle are people who take the security of online payments seriously and are interested in this topic, but, unfortunately, there are not many of them.

Not everyone knows how to pay for goods and services with a card via the Internet, even in current realities. And many are also afraid to do this, considering this method to be very unreliable and vulnerable. Well, today we’ll try to figure out exactly how you can pay with a bank card via the Internet, and let’s start with the card details - without which not a single purchase will be made.

Card details required to pay for online purchases

This is exactly the data that we will need to enter on the site to complete the transaction (bank term for money transfer). They differ somewhat when working with Russian and foreign sites. We can find all the details on the front and back of our card:

1. – this is a set of numbers located in the center of the front side (not to be confused with the card account number!). Since it consists of 16 digits, it is impossible not to find it. To some extent, this is our main identifier, and only it is always 100% unique. Other details may be duplicated for different cardholders (namesakes, for example).
2. We can find the card's expiration date right under the number. This is the month and year when your card will no longer be valid. Four numbers separated by a slash. For example, 05/18. Which reads like May 2018.
3. Name of the cardholder or owner. Careful attention should be paid to the fact that the cardholder's name should always be written in the form in which it appears on the card. That is, in the same language, place the first and last names only in the same order. Any inaccuracy will block your identification and the transaction will not take place. Don't try to write your name in Russian, this is the most common mistake.
4. You can find the secret code of your plastic card on the back of it. It consists of three numbers, which are located at the very edge on the right. It is called differently - CVV or CVC code. Or CVV2/CVC2. The meaning is the same, but the difference in spelling lies in the different payment systems of the card: Visa or MasterCard.

To pay with a plastic card on the Internet on foreign resources, you may also need:

• A country;
• City;
• Postcode;
• Card type.

As a rule, you don’t need to invent anything here - you will be asked to select the desired value from a drop-down list.

You can read more about the bank card and its “appearance” in.

How to pay with a plastic card on the Internet? Instructions for online payment

Here we will give a little instructions on how to correctly pay with a card on the Internet. Any resource that sells goods and services online will definitely indicate to you the opportunity to pay by card. When ordering (or placing a product), you will never miss the “PAY BY CARD” banner or something like that - this option should definitely be present in the online store as the main type of payment. When you click on it, you will be redirected to a page with a payment form, the transfer of information from which will take place using a secure connection. It is on this page that you will need to fill out all the necessary fields - everything you need is present on the bank card, which were listed above.

A few nuances:

• To pay with a non-personal card (or virtual), simply enter your first and last name in Latin in the appropriate field of the payment form.
• If you have a Maestro card whose number consists of 18 digits (instead of the standard 16), then in most cases the standard form, designed for 16 digits, will not work - in this case, try paying with a different card or get a virtual one.
• Refusal to pay may be due not only to an insufficient amount in the account, but also to a too large payment amount, which is higher than the daily limit provided on the card (limits can be found out and adjusted at a bank branch or in the Internet bank, if available).
• The amount in the account must be greater than the purchase amount, otherwise it may go into negative territory (unauthorized or technical). When paying in foreign currency, also keep this in mind (there will be an additional conversion fee).
• In some cases, you will be asked to provide your personal information: full name, contact phone number, address or email. After the payment, you will be notified in an accessible way about its successful completion and sent its details (transaction number and other obscure numbers).

Next, you click the “Pay” button and proceed to the second stage of payment, which is necessary solely to enhance the security of online payment. This is where the so-called service comes into play. An SMS message with a one-time code (password) is sent to your cell phone number (to it), which you must enter in the appropriate box. Let us add that this service is provided by the bank that issued the card and is an additional step in authenticating your plastic card.

The final stage will be the bank sending you an SMS message about debiting a certain amount (if connected).

Attention, give preference to those banks that support 3-D Secure; these are, as a rule, all large credit institutions.

Safety precautions

As you may have already noticed, all the necessary details are located right on the map. Therefore, the first rule is not to show the card to anyone. If someone writes off all external information from it, they can pay it for you. In case of suspicious transactions, it must be blocked immediately. This is another reason to open an additional or virtual card.

Do not trust resources with an unsecured data transmission channel. That is, whose address begins with HTTP. A secure channel in the browser bar is highlighted in green, with a padlock image, and has the HTTPS format. Make a payment only if this is what you see in the address bar.

Also, remember that you DO NOT NEED a PIN code to pay by card online! Never and under no circumstances. You were asked to enter - close this page immediately, because... you fell for scammers.

It is important to know that your card only works with one type of currency. And if you have it in rubles, then if you want to buy something for dollars, for example, an automatic conversion will occur. It would seem convenient, but, alas, the course is not always profitable. Therefore, if you decide to purchase something in a foreign currency, get a card in that currency in advance. Of course, if you order pizza delivery for 300 rubles, it’s not so scary. And if the purchase of electronic equipment costs several tens of thousands of rubles, then it is already very, very noticeable.

Not all of the resources on which we provide this form of payment are trustworthy. Pay only on well-known resources (look for information in reviews!) and at the slightest suspicion (strange address, etc.) stop transactions - this way, you may be scammed out of your card details.

And if you are paranoid, then disable the ability to pay by card online. This can be done at the bank, via the hotline or online banking. Perhaps this will make you feel safer!