Cashless payments- these are settlements (payments) made without the use of cash, that is, by transferring a certain amount from one account of a credit institution to another, which are accompanied by the offset of mutual claims. Banks are intermediaries in such operations, that is, such payments are transferred to their accounts.

This form of payment speeds up the turnover of funds and reduces the amount of cash that is needed for circulation. This form of payment is the most preferable for doing business today.

According to the current legislation, settlements between legal entities, as well as settlements with the participation of citizens related to their business activities, are made by bank transfer.

Settlements between these persons can also be made in cash. But there is an essential condition for this provision: the maximum amount of cash settlements between legal entities under one transaction is equal to 60 thousand rubles.

Thus, if an organization makes cash payments under one agreement, these payments should not exceed 60 thousand rubles. At the same time, she has the opportunity to pay for this transaction by bank transfer, for which no limits have been established. If cash payments are made under several agreements, the maximum amount of cash payments should not exceed 60 thousand rubles. for each contract separately. Therefore, if the contract amount exceeds the specified amount of 60 thousand rubles, the payment must be made in cashless form.

Now let's move on to the types of non-cash payments. You can choose one of the following types of calculations:

• settlements by payment orders;
• settlements under a letter of credit;
• payments by checks;
• collection settlements;
• settlements with payment requirements.

To carry out such calculations, the following payment documents are used, corresponding to each type of such calculations:

• money orders;
• letters of credit;
• checks;
• payment requirements;
• collection orders.

The total period for making non-cash payments should not exceed:

• two operational days within the territory of a subject of the Federation;
• five operational days within the territory of the Russian Federation.

If we talk about the advantages and disadvantages of such payment systems, we can highlight the following provisions:

Pros:

1. Flexibility of payments, since “chains” of transactions with various additional payments can be serviced.
2. Availability of bank documents, i.e. easy provability of calculations.
3. Impossibility of fraud with counterfeit money, “dolls”, etc.
4. Reducing costs associated with the transportation of cash, its accounting and storage;
5. Unlimited period of storage of funds in bank accounts;
6. Lack of a cash register and the need for its maintenance;
7. All cash is subject to mandatory delivery to the Bank after three days from the moment it is received at the cash desk (with the exception of funds for paying employees - salaries that can be kept in the cash register for no more than 5 days), that is, cash is still subject to mandatory transfer in a non-cash form, so the initial non-cash payment will allow you to avoid making additional transactions with the bank and save time and money.

Minuses:

1. There is a danger of encountering or becoming dependent on the Bank’s “problems”, that is, difficulties or even the impossibility of transferring or withdrawing money from the account.
2. Increase in expenses associated with the appearance of various additional payments to the Bank for transactions performed.
3. A regular cash flow is required to pay for bank services and pay salaries to employees, which is not very convenient for starting small entrepreneurs;
4. Constant interaction with the bank is required, which includes certain costs;

Basically, this type of payment has clear advantages over cash payment, and the disadvantages can be eliminated if you carefully approach the issue of choosing a Bank and work within the framework of current legislation. Good luck!

What is cashless payment? What does non-cash payment mean?

What is cashless payment?

What does non-cash payment mean?

Cashless payments– a payment made without the use of cash, that is, money is credited to the recipient’s Bank account from the payer’s bank account through the bank. Non-cash payments are carried out through the bank, using mutual offsets, clearing settlements, credit cards, checks, bills of exchange. The functions that non-cash payments perform: accelerates the circulation of funds, reduces the need for cash when making transactions; reduces cash circulation costs. Non-cash movement of money is difficult to hide from regulatory authorities, therefore the state promotes an increase in the share of non-cash payments in the country's monetary circulation.

To make most non-cash payments, an individual must open a current account with a bank. The bank can make a money transfer on behalf of an individual and without opening an account (this option will be discussed below), with the exception of postal transfers. A current account is opened on the basis of a bank account agreement, which provides for settlement transactions not related to business activities. To open a current account (conclude a bank account agreement), an individual submits the following documents to the bank:

— passport or other document proving identity in accordance with the legislation of the Russian Federation;

— “Card with samples of signatures and seal imprints” of form 0401026 of the All-Russian Classifier of Management Documentation OK 011-93 (hereinafter referred to as form 0401026), drawn up in the manner established by the Bank of Russia (Instruction of the Central Bank of June 21, 2003 No. 1297-u “On the procedure for issuing cards with samples of signatures and seal impressions");

— other documents provided for by law and/or bank account agreement.

If the data specified by an individual in the bank account agreement changes, he notifies the bank about this in the manner and within the time frame established by the agreement. When changing the last name, first name or patronymic, an individual presents to the bank a new identification document, on the basis of which a new f. card is issued. 0401026.

An individual has the right to grant another individual (trusted person) the right to dispose of funds in his current account on the basis of a power of attorney, which is certified by the bank in the presence of the principal and certified by the bank's seal. The power of attorney can also be certified by a notary. If a power of attorney is used, an additional card f. is provided to the bank. 0401026. The principal can terminate the power of attorney to manage the current account by submitting a corresponding application to the bank.

The bank writes off funds from the current account of an individual by order of the account owner or without his order (for example, by court decision) on the basis of settlement documents within the limits of funds available in the account. If there are no funds in the current account of an individual at the time of debiting the funds, as well as the right to receive a loan, including an overdraft, provided for in an agreement between the bank and the individual, settlement documents are not subject to execution and are returned to payers or collectors in the manner established by Regulation No. 2 -P.

The ability of an individual to make non-cash transfers in foreign currency directly depends on whether such a person is a resident of the Russian Federation for the purposes of currency regulation. In turn, citizens of the Russian Federation are recognized as residents, with the exception of those permanently residing or temporarily staying (on the basis of a work or study visa) in a foreign country for at least a year (clause “a”, paragraph 6, part 1, article 1 of the Law of December 10, 2003 N 173-FZ).

Cases when non-cash transfers in foreign currency are permitted and prohibited

Transfers in foreign currency between residents and non-residents, as well as between non-residents, are carried out without restrictions (Articles 6, 10 of Law No. 173-FZ).

Transfers in foreign currency between residents are prohibited, except in established cases, including (clauses 12, 13, 17, part 1, article 9 of Law No. 173-FZ):

• transfer from the Russian Federation in favor of resident individuals to their accounts in banks outside the territory of the Russian Federation, subject to restrictions on the amount;
• transfer by a resident in the Russian Federation from a bank account outside the territory of the Russian Federation in favor of resident individuals to their bank accounts in the territory of the Russian Federation;
• transfer from your bank accounts in the territory of the Russian Federation in favor of resident spouses or close relatives to their bank accounts in the territory of the Russian Federation or abroad.

Residents can also make transfers of foreign currency to their own bank accounts both in the Russian Federation and abroad. There are no restrictions on the amount in this case.

Non-cash transfers in foreign currency can be carried out either from an account opened with a bank or without opening such an account.

Non-cash transfers from an account opened with a bank

When making a wire transfer in foreign currency from your account, you need to contact the bank where you have an account and submit certain documents.

So, you will need to present a document proving your identity and provide information about the recipient of the transfer (full name, name and details of the bank in which the recipient has an account, and the recipient’s account number). In addition, you will need to submit documents that the bank may request from you in order to implement currency control, including (Part 4 of Article 12 of Law No. 173-FZ; Clause 1 of Bank of Russia Directive No. 1868-U dated July 20, 2007 ):

1) when making a transfer for an amount exceeding USD 5,000 (or the equivalent at the Bank of Russia exchange rate on the date the funds were written off), information on confirmation of the recipient’s currency and accounting status (that the recipient is a non-resident). Banks independently determine in what form such information should be provided. This could be, for example, a copy of the recipient’s foreign citizen’s passport or an indication of the recipient’s non-resident status in the “Purpose of payment” column of the payment document;

2) when making a transfer to your bank account outside the territory of the Russian Federation - a notification submitted by the resident to the tax authority at the place of his registration about the opening of this account with a mark from the tax authority on its acceptance. This notification is provided only when making the first transfer. In the future it is not required;

3) when making a transfer to your spouse or close relative - documents (copies thereof) confirming the relationship, in particular a citizen’s passport, birth or marriage certificate.

The specified documents are not required if you are making a transfer to your spouse or relative to his account opened in a bank outside the territory of the Russian Federation for an amount not exceeding $5,000 (or the equivalent at the Bank of Russia exchange rate on the date the funds were written off).

Wire transfers without opening an account

Non-cash transfers without opening an account to individuals are carried out through money transfer systems.

To implement them, you need to make sure that there are service points of the selected system in the country and city where the recipient of the money transfer is located. As a rule, service points are banks with which payment systems have contractual relations.

At the payment system service point, you will need to present a document proving your identity and provide information about the recipient of the transfer (full name of the transfer recipient, country, city). After depositing funds into the cashier, you will be given a control code or other transfer identifier. This information will need to be passed on to the recipient of the transfer so that he can receive the funds.

A transfer without opening a bank account is carried out within no more than three working days from the date of provision of cash for such a transfer (Part 5 of Article 5 of the Law of June 27, 2011 N 161-FZ).

When making a transfer from the Russian Federation without opening a bank account through an authorized bank, there is also a restriction on the transfer amount. Thus, a transfer within one business day through one bank cannot exceed an amount equivalent to USD 5,000 at the Bank of Russia exchange rate on the date of application for the transfer (clause 5, 9, part 3, article 14 of Law No. 173- Federal Law; Directive of the Bank of Russia dated March 30, 2004 N 1412-U).

Note!

When a foreign state introduces bans on payment systems whose operators are registered by the Bank of Russia, a non-cash transfer without opening an account can be carried out from the Russian Federation to such a state if the payment system operators, payment infrastructure service operators, foreign organizations (except for foreign banks and credit organizations), on the basis of agreements with which the translation is made, are under the control of Russian organizations (Parts 1, 2, Article 19.1 of Law No. 161-FZ).

Features of electronic money transfer

Non-cash transfer without opening a bank account is also possible when transferring electronic funds (hereinafter referred to as EMF) using electronic payment systems (for example, WebMoney, Yandex.Money and Qiwi). At the same time, EMF transfers in foreign currency are subject to the requirements of the currency legislation of the Russian Federation (Part 3 of Article 5, Part 24 of Article 7 of Law No. 161-FZ).

Help.Electronic money

Electronic means are those funds that are previously provided by an individual to the EDS operator to fulfill his monetary obligations to third parties and in respect of which this individual has the right to transmit orders exclusively using electronic means of payment (clause 18 of Article 3 of Law N 161-FZ) .

In this case, an individual can provide funds to the e-money operator with or without using a bank account.

Also, funds in his favor can be provided to the EDS operator by organizations or individual entrepreneurs, if such a possibility is provided for in an agreement between an individual and the EDS operator. In turn, the latter creates a record of the amount of funds provided to him (Part 2, 4, Article 7 of Law No. 161-FZ).

The transfer of EDS in favor of their recipients is usually carried out on the basis of an order from an individual - the payer, and in some cases - at the request of EDS recipients. At the same time, EMF payers and recipients can be clients of one or several EMF operators (Parts 7, 8, Article 7 of Law No. 161-FZ).

As a rule, the transfer is carried out by simultaneous acceptance by the e-money operator of the payer’s order, reducing its e-money balance and increasing the recipient’s e-money balance by the amount of the transfer. A transfer using a payment card specially designed for this purpose is carried out within no more than three working days after the EDS operator accepts the payer’s order. A shorter period may be provided for by an agreement between the e-money operator and the payer or by the rules of the payment system. After this, the EDS transfer becomes irrevocable and the payer’s monetary obligations to the EDS recipient are terminated (Clause 26, Article 3, Parts 10, 11, 15, 17, Article 7 of Law No. 161-FZ).

Non-cash payments under letters of credit, collection, payments by payment orders: features and advantages

Cash payments using cash registers and strict reporting forms

Cash limit: who should count and how to do it

Cashless payments

Non-cash mutual settlements are used by legal entities and individual entrepreneurs more often than others, since there are practically no restrictions on their implementation, unlike cash payments. Non-cash payments in Russia are carried out on the basis of the Regulations on the rules for transferring funds, approved by the Bank of Russia No. 383-P on June 19, 2012 (hereinafter referred to as the Regulations).

Forms of non-cash payments are chosen by organizations independently and may be provided for in agreements concluded by them with their counterparties.

Settlements under a letter of credit

Letter of Credit- this is an order from the payer’s bank to the recipient’s bank to make payments, by order and at the expense of the client’s funds, to an individual or legal entity within the specified amount and on the terms specified in this order.

Four entities are involved in transactions under a letter of credit:

1) buyer-payer who, by opening a letter of credit, fulfills obligations to his creditor (seller);

2) issuing bank- the bank in which the buyer’s current account is opened and which, at the buyer’s request, opens a letter of credit for him;

3) Executing bank— the bank in which the seller’s current account is opened;

4) salesman- payment receiver.

The letter of credit calculation scheme is shown in Fig. 1.

Procedure for settlements under a letter of credit:

1. The buyer submits an application for opening a letter of credit to the issuing bank where he has a current account. The bank deposits the amount specified in the application in a special deposit account, i.e. opens a letter of credit.

2. Funds are debited from the buyer's account and transferred to the bank serving the seller (executing bank) to a special account opened for settlements under the letter of credit. Money is transferred to the executing bank by a payment order from the issuing bank, which contains information to establish the letter of credit, including its date and number.

3. The seller receives a notification from the fulfilling bank that funds have been credited to his account, which is a signal to fulfill his part of the contractual obligations (for example, to ship goods).

4. The seller ships the goods to the buyer.

5. The seller submits to the executing bank the shipping documents that were specified in the terms of the letter of credit.

6. The executing bank checks the shipping documents provided by the seller (the period for checking documents is no more than 5 business days following the day of receipt of the documents), after which it credits the money to the seller’s bank account and transfers the documents confirming the shipment to the issuing bank. Notifies the issuing bank of the use of the letter of credit.

7. The issuing bank notifies the buyer about the use of the letter of credit and provides him with documents evidencing shipment.

Example 1

Iskra LLC (buyer) buys restaurant equipment from Planeta-Service LLC (seller) under a supply agreement in the amount of RUB 1,500,000. The supply agreement provides that:

• payments under the agreement will be made from an irrevocable letter of credit;
• payment can be made after submitting shipping documents to the bank for shipment and transportation of equipment.

The Iskra company sent to Kranbank, in which it has a current account (issuing bank), an application for opening an irrevocable letter of credit, where it indicated the following information:

• equipment supply agreement No. 12 dated February 27, 2018;
• irrevocable covered letter of credit;
• seller - Planeta-Service LLC;
• seller's bank (executing bank) - Bank Soyuz;
• a list of shipping documents that the seller will have to provide to confirm shipment - a bill of lading;
• list of goods for payment for which a letter of credit is opened - kitchen equipment;
• Letter of credit amount - RUB 1,500,000.

Kranbank deposits funds from Iskra LLC in a special account in the amount of 1,500,000 rubles, i.e. opens an irrevocable letter of credit. The bank's commission for opening a letter of credit is 0.85% of the amount of the letter of credit, i.e. 12,750 rubles. (RUB 1,500,000 × 0.85%).

By payment order, the issuing bank writes off funds in the amount of RUB 1,500,000. and transfers them to the executing bank - Bank Soyuz to the account opened by the executing bank for making payments under the letter of credit.

Planet-Service LLC receives from its bank a notification about the crediting of funds under the letter of credit, which is a signal for it to fulfill its part of the contractual obligations - the shipment of equipment. Planet-Service LLC ships equipment and provides Soyuz Bank (executing bank) with a TTN for the shipment of kitchen equipment.

The executing bank, in turn, transfers them to Kranbank (issuing bank). The issuing bank checks the shipping documents and, after verification, transfers them to the buyer - Iskra LLC. From the account opened by the executing bank for settlements under the letter of credit, money is credited to the settlement account of the seller - Planeta-Service LLC.

Postings under a letter of credit from Iskra LLC:

Debit of account 55 “Special accounts in banks” sub-account “Letters of credit” Credit of account 51 “Settlement accounts” - 1,500,000 rubles. — funds were transferred to a covered irrevocable letter of credit;

Debit of account 60.1 “Settlements with suppliers and contractors” / LLC “Planet-Service” Credit of account 55 “Special accounts in banks” sub-account “Letters of credit” - 1,500,000 rubles. — money was transferred to the seller from a special account;

Debit of account 91.2 “Other expenses” Credit of account 51 “Current accounts” - 12,750 rubles. — the commission for opening a letter of credit is taken into account.

Payments for collection

Collection is one of the forms of settlement between the seller (of goods, works, services) and the buyer, when the settlement is carried out not by the parties to the transaction, but by their banks.

Payments for collection represent a banking operation when the bank, on behalf of its client, on the basis of settlement documents, receives funds due to the client from the payer for goods (work, services) shipped to his address and credits them to the client’s bank account.

Note!

The main difference between collection and other non-cash payments is that the order to carry out the operation comes from the recipient of the money, and not from the payer.

Collection sides:

• principal (principal) - the party who instructs the bank to process collection and acts as the final recipient of the payment (exporter or seller);
• payer - the person to whom the presentation of documents must be made in accordance with the collection order (importer or buyer);
• remitting bank (seller's bank) - the bank to which the principal entrusted collection processing;
• collecting bank - any bank that is not a remitting bank and participates in the process of processing a collection order (buyer’s bank);
• presenting bank - collecting bank that presents documents to the payer (buyer's bank).

The collection calculation scheme is shown in Fig. 2.

E. V. Akimova,
auditor

The material is published partially. You can read it in full in the magazine

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 notify us or 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.

There are two forms of payment for an order - cash and non-cash payments.

Attention!!!

• Payment for the Order is made only in Russian rubles.
• By bank transfer, payment is made through any bank.
• Orders paid by receipt and by legal entities by bank transfer are sent after the full amount for the order is received in the store account.
• If the order is not paid within 3 (three) days, it is considered cancelled.

Payment for the order in cash

When delivering orders by courier and to delivery points, cash payment is used.

The buyer pays the ordered goods to the delivery service representative, having previously inspected and accepted the goods. Please prepare the amount for payment without change. Thank you!

Payment by bank transfer for individuals

- according to receipt

When placing an order, please indicate your payment method - according to receipt. The store manager will send a receipt form PD-4 by email.

Using this receipt, the buyer can transfer funds at the office of any bank or using the online account of their bank (for example, Sberbank-online) using the store details.

Attention! The order should not be paid until confirmed by the manager; it will be sent by email.

Payment by receipt allows you to reduce the costs associated with shipping your order. This is the preferred delivery method of FSUE Russian Post.

- cash on delivery

Payment by cash on delivery is possible when sending an order to FSUE Russian Post.

This payment method is slightly more expensive than paying by receipt.

When receiving a parcel at a branch of the Federal State Unitary Enterprise "Russian Post", in addition to the cash on delivery amount, the recipient pays:

• transfer fee - 40 rubles. + 5% of the cash on delivery amount*
• storage service - 20 rubles for every day over 5 days*

* depends on the amount of cash on delivery and the recipient’s region.

- prepayment by bank card

Payment is made through the Net Pay payment service

The ordered goods can be paid for by credit card online immediately after creating the order. In case of purchasing a product “to order” after the product has arrived at the store. You will see the corresponding button on the order completion page.

1. To pay by credit card, you will be redirected to the secure payment page of the processing company Net Pay LLC. The payment page meets the latest international security requirements of payment systems Visa, MasterCard, MIR.
2. When paying with a bank card, enter its number, expiration date, CVV code indicated on the back, as well as the first and last name of the owner and contact information of the cardholder.
3. Make sure that you have entered the correct information, and then click on the “Pay” button.
4. If your bank card supports 3D Secure technology, you will automatically be redirected to your bank's website, where you will be asked to enter a secret activation code, which will be sent to your phone.
5. If the card details are entered correctly and there is enough money in the account, you will see confirmation of payment for the order. After which you will be asked to return to the store page.

Procedure for receiving an order paid by credit card

When transferring your order, you will be asked to provide an identification document to verify the name of the recipient of the order. In addition to signing for receipt of the order, you will be asked to write down the number of this document.

Refund procedure

To receive a full or partial refund to your card, you need to contact the store. The money will automatically be returned to your card within 2-3 days. The exact refund period depends on how recently the order was placed and on the bank that issued the card (the maximum refund period cannot exceed 30 days).

Payment information is processed on the Net Pay processing center page, so the Buyer’s card data is not available to the online store. Protection of information transfer is carried out using technologies developed by the international payment systems VISA, MasterCard, MIR - Payment Card Industry Data Security Standard (PCI DSS). The use of Secure Sockets Layer (SSL), Verified by Visa, Secure Code, MirAccept protocols and closed banking networks guarantees security for transactions with bank cards.

Payment by bank transfer for legal entities and individual entrepreneurs

• When placing an order, select payment method - cashless payment;
• fill in the required fields of the form (TIN, KPP, account, bank account, etc.) or send the company details to e-mail: shop@site Details are required for processing documents (invoices, TTN, etc.);
• The manager issues an invoice for payment, which must be paid within three working days;
• If possible, report the fact of payment by sending a copy of a document confirming the fact of transfer of the amount of money for the order (payment order with a scanned bank mark or a legible photo) to e-mail: shop@site. This will allow you to avoid errors when crediting funds to our current account.

Attention! Pay for your order only after confirmation by the store manager by phone or email

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.