From this article you will learn:

...about how Sberbank works online, about its principles of communication with clients, about special services and opportunities ;
...about how to create payment order online ;
...about what the “recipient account key” is and what to do if it is “incorrectly specified” .

Here are the basic principles of Business Online:

- Carrying out your Money through remote access (for this you will need your personal computer, login and password to log into the system);
- Recording of mutual settlement transactions in electronic form;
- With the help of technical support, you can get clarifications by sending your requests or messages sent to you. You can do this in the current time;
- Obtaining access to your account status at any time;
- Possibility of ordering various services of Sberbank;

You can connect to the Business Online system by submitting an application at any Sberbank branch. At the same time, the bank employee issues an information sheet, which will indicate the system user identifier () and the mobile phone number to which the first login password will be sent. When starting to use Business services Online system The client will be prompted to log in and enter a new password.

How to create a payment order online?

Before carrying out any electronic transaction on the website page you can find detailed information and step by step instructions how this or that operation should be carried out. In addition, for the convenience of the client, the Sberbank service has provided pop-up tips. They will help an inexperienced user get comfortable when creating a payment order.

Most common request for services online service is to fill out a financial order. If the client makes a mistake during the operation, then upon completion the following message will appear: “the recipient's account key is specified incorrectly,” and, as a result, the document will not be created. Proper use of the service function is possible by following the instructions, which Sberbank prudently suggests considering. We describe this process in detail here.

Step one: In the service interface you need to find an icon that, when you click on it, will create a new account. The icon is located in the top bar of the site.

Step two: When opening the “Outgoing Order” window, the white fields are filled in by the user. Gray fields will most often be filled in automatically by the system, or, otherwise, it will prompt the payer to select an item from the list that will open.

Step three involves entering known parameters:

You must enter a number in the “account” field. At any time, if desired, it can be replaced with another one;
- The default date for the order is set automatically to the current day or is entered arbitrarily by the user for the payment period;
- Selecting one of two acceptances (agreement to payment): if the client is requested to receive it or the acceptance has already been issued earlier;
- It is necessary to note how you are going to make the payment (by default the system offers electronic transfer).

Step Four: Entering the data of the user carrying out payment transaction, can be agreed upon in the directory presented on the website. If the payer has already used the services of the service, all his details will be filled in automatically.

If payment is made by a new user, the fields will have to be filled out again:

The name of the bank is enough for the BIC (bank identification code) field and the correspondent account field to be filled in automatically;
- Fill in the TIN (individual tax number) field;
- Account number of the organization where the payment will be sent and its name.

Step five: Enter the details of the invoice recipient:

The account number can be entered manually or selected from the list (if the payment was made previously, the system will automatically fill in the fields: Bank, Correspondent account and BIC).

Step six: Specify the payment amount (in this case, VAT - value added tax - is calculated automatically, but its parameters can be changed if desired).

Step seven: Enter the purpose of the payment. That is, the name of the service, product, product, etc., which you are going to pay for, for example, (electricity, water, gas).

After completing the above steps, the document should be “save”. At this moment, the Business Online system will begin checking the payment order, and if errors are detected, a window will appear on the website indicating the necessary corrections. If the window contains the text “the recipient's account key is specified incorrectly (Sberbank),” you will have to enter corrections. It should be noted that some errors do not need to be corrected. So, if the user has already specified the number existing document, the system will automatically replace it with another one.

If the “saving” operation was successful, a new document will appear in the document list window, and its “created” designation will appear in the “status” column.

What is the “recipient account key” and what to do if it is specified incorrectly?

The “account key” should be understood as all the necessary details for the electronic transfer of funds. If “the key... is specified incorrectly,” it is worth checking certain columns of the document and making the appropriate changes. What fields of the payment order should you pay attention to first of all?

Firstly, the recipient's account number;
Secondly, the BIC of the bank.

However, it happens that, despite checking the data and the absence of an error in the document, the system insists on its own, showing a pop-up window with the same error code. In this case, you should contact your recipient for full details again. Thus, you can solve the problem of this particular error that occurs most often. This is explained by the fact that the service does not have the ability to make a transfer to a non-existent or inappropriate bank account.

The error “the recipient's account key is incorrect” is quite common, so there are clear instructions on how to avoid such an error when creating a payment order in the system.

Features of the Business Online system

This is a service in Sberbank-online, which allows you to manage document flow through your personal account and perform the following functions:

• create and send payment documents;
• control the status of accounts;
• place orders for banking services;
• send requests for advice and assistance.

Access to the system can be obtained by leaving a request in the department for work with legal entities, the Sberbank branch where your organization is served. After processing the request, the employee will issue a USB key for access to Sberbank Business Online, send it via SMS and provide other details on working in the system.

How to create an order so that the error “the recipient's account key is specified incorrectly” does not occur

In exists detailed instructions to create a payment order. By following it, mistakes can be avoided.

1. Find the icon for creating a new account in the top panel.
2. Fill in all fields of the “Outgoing order” window. You need to enter information in white lines; gray lines are filled in automatically or require you to select one of the available options.
3. Enter parameters:
   — account number (issued automatically, but can be changed to another);
   — date (the current one is set, can be changed);
   — Acceptance (receipt required or previously generated);
   — Type of payment (electronic is automatically set).
4. Enter payer details. If it was previously added to the list, then select it from the directory. For a new payer, you need to fill in all the lines manually (bank, INN, account number, organization name (BIC and correspondent account will be issued automatically).
5. Enter the recipient's details. You need to select or enter an account, the remaining columns are filled in by the system.
6. Specify the required amount, VAT will be calculated automatically (VAT parameters can be changed).
7. Enter the purpose of the payment.

After saving, if everything is in order, a corresponding message and a list of documents will be displayed, in which a new item with the status “created” will appear. If there are errors, changes need to be made. Some defects do not need to be corrected (for example, specified number already exists), errors will be eliminated automatically.

What is “the recipient's account key is incorrect” and how to fix it

The cause of the error is incorrectly entered data in the recipient's account line or the bank's BIC, and sometimes in both. They must be carefully rechecked and corrected if an error is found. If all the data matches, you need to request the details from the recipient again.

This eliminates the most common error in the Business Online system. All other possible errors most often do not require correction and are resolved by the service itself.

On debit and credit cards contains secret information used to confirm transactions on the Internet. Let's figure out where the CVV2 and CVС2 code is located on the Sberbank plastic card.

All plastic issued by Sberbank is highly secure. It has several levels of protection. So, when paying via terminal, the client enters a personal identifier - PIN code. To confirm non-cash transactions on the Internet, security codes CVV2 and CCV2 are used.

They perform the same protective function. The difference in the abbreviation is due to different payment systems. All plastic of the international VISA system is equipped with a CVV2 security code, and MasterCard systems- CVС2 (with the exception of entry-level cards - Maestro, they are marked with CVV2).

Location on card products

Mostly the secret code on Sberbank cards is on the back side under the signature tape. It consists of 3 digits.

On some plastic cards of the MasterCard payment system, such information is located on the front side. It is located immediately after the 16 digits of the payment instrument number. Typically, the card number is embossed and the secret ID is flat.

Important! Plastic issued before 2006 did not contain a security identifier for first-level card products - Maestro and Visa Electron. They were not intended to work on the Internet. Now they have a security identifier on the back.

Is it safe to use a verification code?

The CVV2 or CCV2 code is not stored by the seller, so such transactions are absolutely safe. However, there are a number of technologies called “phishing”, the purpose of which is to obtain protective information. Secret numbers are not subject to disclosure; they need to be entered only at the stage of confirming the payment.

When using plastic on the Internet, you need to remember the basic rules:

1. Cooperate only with trusted online resources;
2. Do not transfer the payment instrument to unauthorized persons in order to prevent unauthorized access to the card account;
3. To plug full package mobile banking to control all plastic operations;
4. Open virtual card, linked to a plastic account in order to increase the security of transactions on the Internet;
5. Promptly block plastic in the event of loss or theft.

Important! For virtual cards that do not have physical media, the secret code can be found in personal account in the Sberbank Online system or by sending an SMS message.

How to confirm a transaction with digital codes?

The algorithm for using secret numbers includes several stages:

• familiarization with the Internet resource, assessment of its reliability (availability contact numbers, legal address, customer reviews, etc.);
• making a payment (entering customer data and plastic information into the payment order);
• indication of digital code;
• getting a response.

Confirmation of non-cash transactions on the Internet using CVV2 and CVС2 identifiers is a mandatory procedure. All Sberbank card products are equipped with numbers located on the back of the physical medium. You need to take care of verification codes as seriously as your PIN code. If unauthorized access occurs, money may be debited from the payment instrument account.

Sberbank card holders: where to find cvc2 or cvv2 codes on the card. How to keep them secret: precautions for handling.

What is CVC2 and CVV2 code

• CVC2 code (Card Validation Code 2) is a three-digit security code on Mastercard bank cards.
• CVV2 code (Card Verification Value 2) is also a three-digit security code on Visa bank cards.
• Maestro cards from Sberbank also have the code CVV2.

Where is the cvc2 or cvv2 code on the map?

The codes are located with reverse side Sberbank cards on one page with the client’s signature.

Is there such a code on the virtual card?

It is sent when creating a card via SMS: sometimes you need to make a phone call to receive it.

What are the codes for?

cvc2 or cvv2 allow you to pay for purchases with a card on the Internet: when making a payment, you will be asked for your card details.
They help confirm that you have physical access to the debit or credit card you are using.

How to use the CVV2 or CVC2 security code

Select the payment option with a bank card to pay for goods/services online. Next you will need to enter:

User data.

Card number,

Validity.

Security code on the back of the card.

Usually they ask you to confirm the operation with a code from an SMS that comes to the linked mobile phone. Or choose a code from a paper password list.

Security measures for Sberbank cardholders

Codes cvv2, cvc2 are a tasty morsel for scammers. To pay with someone else’s card on the Internet, they only need information about the card itself (number, cvc or cvv verification code, expiration date, full name), and not its availability. Therefore, try to store your data - enter this information only on large, well-known portals that guarantee the safety of payment procedures. A few more recommendations so that the cvv2, cvc2 codes remain known only to you:

install an antivirus program to block transitions to phishing sites

do not pay for purchases with a card on dubious sites,

do not enter your card details anywhere except on the payment form;

do not give your card to strangers and do not share information about the codes;

do not pay for services without 3-D Secure technology as confirmation of the transaction;

activate the service Mobile bank from Sberbank, which involves sending a message about withdrawing money;

keep your balance under control;

do not give to cashiers, waiters, etc. your card in hand;

keep the cards in your wallet, do not show the back side - a wallet would be the ideal solution;

create PayPal for online purchases or open a Sberbank virtual card - you can pay for purchases online without entering card information.

A bank plastic card is a financial instrument that is used not only to pay for purchases through terminals in supermarkets, but also to make online payments. In this regard, the card is equipped with several protection options. A PIN code is used for physical purchases and cash withdrawals, and a special CVV/CVC code has been developed to confirm online purchases. Let's figure out where the security code is placed on the Sberbank card and what CVV is.

As mentioned above, the CVC code is used to protect the owner from unauthorized card payments on the Internet. Thanks to it, the payer indicates physical access to the plastic, otherwise the payment could be made using the plastic identifier without the knowledge of the holder.

Many people are interested in the difference between CVC and CVV. It's all about the plastic belonging to a certain payment system.

• For Visa it will be CVC.
• For MasterCard CVV.

Maestro MIR cards also have a CVV code; in the case of the domestic payment system, it is called MirAccept. Any card suitable for making online payments is equipped with a security code. Now the question is, what is the CVC code on bank card Sberbank will not appear, it remains to figure out where to look for it.

Where to look at the CVV code on a Sberbank card

Let's figure out where the security code is located on payment card Visa Sberbank. In order to find it you need to turn the card over. The last three digits applied on top of the line layer will be the required secret code. The set of numbers, as a rule, is written immediately after the holder’s signature tape; in some cases, you need to look for it a little lower. In any case, the client will not be able to help but notice the separate order of symbols that is written on the card.

If you use plastic belonging to the MasterCard payment system, then the code is not always 3 digits on the back. Sometimes it is located on the front of the plastic. If the necessary data is not on the back side, then you should look for it from the front.

Until recently, Maestro payment products did not have such a code at all, because the minimum status of the payment instrument did not allow making payments online. Today, the security code on the Sberbank Maestro card is indicated on the back next to the signature block.

Many people are interested in where CVV2 CVC2 are located on virtual financial instruments. In this case, the payment facility does not have a physical execution, but, as a rule, is needed only for Internet payments. And they, in turn, are impossible without specifying a protective combination. For virtual payment instruments, all necessary passwords are sent via SMS at the time the product is generated. They must be kept and not shared with outsiders.

An important rule that you should remember, once you find out where the security code is on the Sberbank card, try to hide it from strangers. Do not turn the plastic upside down. This may lead to theft of funds.

Security when using the card

Having determined how to find out the CVV code of a Sberbank card, it is worth familiarizing yourself with the basic recommendations for using a security combination.

• Do not indicate the CVV code on your Sberbank card when making purchases on dubious sites. This may lead to data theft and loss of funds. Remember that the payment process must take place in a separate secure directory.
• Do not enter data anywhere except on a secure form; all additional clarifications by mail or SMS are excluded.
• Do not share your CVV with anyone.
• When paying in stores or using your card at a terminal, try not to show your secret combination. Fraudsters can specifically track solvent bank card holders.

We advise people who actively make purchases on the Internet to create a separate virtual card, which will be reset immediately after each payment, that is, funds will be credited to the account only in the amount necessary for payment. Additional security can be guaranteed by 3D Secure protection technology.