Rhythmic gymnastics competitions have begun in Khanty-Mansiysk, in which 250 young athletes will take part. The event will take place over two days and during this time the participants will have to demonstrate their ability to handle a ball, rope, hoop and ribbon. The winners of the district stage will represent Ugra among the constituent entities of the Ural Federal District in January 2020.

The former head of the municipality of the rural settlement of Sibirsky is suspected of exceeding official powers and receiving a bribe. According to some reports, in 2015 he received a bribe of at least 20 thousand rubles for fictitiously registering a citizen in the village. In 2017, being the head of the settlement, he illegally concluded an agreement with a resident of the settlement and her son for the privatization of a residential apartment, which is in municipal ownership, thereby...

A trial of a local resident took place in Nizhnevartovsk. The man has already been subject to administrative punishment for driving while intoxicated. However, this did not teach him anything. In September of this year, he again got behind the wheel drunk. Afterwards he was detained by traffic police inspectors. According to the court decision, the offender was sentenced to compulsory work for 400 hours with deprivation of the right to engage in activities related to driving vehicles for a period of 2.5 years...

“There is no money, but you hold on!” This well-known phrase has become an unspoken slogan in recent months for drivers of the Nizhnevartovsk ambulance station. Since 2017, most of the city ambulance transport began to operate on an outsourcing basis. Services are provided by a company from Perm. And about six months ago, drivers started having problems with wages. The situation reached its peak in the fall. As drivers say, their accounts received only mi...

25 years ago, on December 21, 1994, the first meeting of the Nizhnevartovsk Duma in modern history took place. 10 deputies then took responsibility for the fate of the city and its inhabitants. In just a quarter of a century, a little more than a hundred deputy certificates were issued. Many people's representatives represented the interests of Vartovo residents in several convocations. Tomorrow, in honor of the 25th anniversary of the formation of the City Duma, deputies of all six convocations will gather together. Among them are those...

The Nizhnevartovsk administration website published a list of permitted places where city residents can set off fireworks. There are only two of these. This is the Ob embankment (the intersection of Pickman Street and Pobeda Avenue) and on Komsomolskoe Lake (the area of ​​the beach and ski resort). The mayor's office also reminds that persons guilty of violating fire safety rules, depending on the nature of the violations and their consequences, are subject to criminal liability.

In Ugra, two men were convicted: a resident of Surgut and a resident of the Omsk region, accused of “attempted illegal sale of narcotic drugs, committed using the Internet, by a group of persons by prior conspiracy, on a large scale.” In April 2019, a resident of Surgut placed 9 grams of synthetic drugs in two stash caches. He kept the rest on himself and in his wife’s bag, who did not know about the attacker’s intentions. Inhabitant...

In Surgut, a citizen born in 1994 was fined 40 thousand rubles with the confiscation of weapons, who fired from a drained pistol from a car, and then near the entrance of a residential building, celebrating a wedding. An administrative protocol was also brought against the young man: “Firing a weapon in designated places in violation of established rules or in places not designated for this.” It is noted that the accused has already been brought to administrative...

Interdistrict Inspectorate of the Federal Tax Service of Russia No. 6 for the Khanty-Mansiysk Autonomous Okrug - Ugra (hereinafter referred to as the Inspectorate) congratulates taxpayers on the upcoming New Year and wishes to start 2020 debt-free! We remind you that in December 2019 the Inspectorate will take a number of measures to enforce debt collection, including restricting travel outside the Russian Federation. The period during which the travel ban is lifted ranges from one to two weeks. Thus...

This question often comes to our website, but in fact this question is a little incorrect and in general the debit card and the account do not have a reserve. We will try to tell you in more detail what properties a debit card and the bank account itself have. What is a debit reserve on a card and what is it for?

What is a debit card reserve?

What is the correct name for the debit reserve on the card?

plastic, with a certain number of details that are directly linked to your debit bank account. This account may or may not have funds, and usually consists only of your money.

The very concept of a debit reserve in a bank does not exist and it can only mean two concepts. Or this is the card balance itself, that is, the funds that exist in the account at a given time.

The second option could be an authorized overdraft. – this is an opportunity for a debit card to leave an account in the negative. When your funds run out, then the bank's funds are used through the authorized overdraft with certain interest and penalties.

The overdraft reserve itself or the size of the allowed overdraft will depend on the amount you indicated when registering the card. If you have, then the size of the reserve in this case will be equal to half of your salary.

“Reserved amount on the card” - what is it? Where did it come from and how to find out? The transaction amount is reserved; this payment has not yet been posted to the account.

“Reserved amount on the card” - what is it? Where did it come from and...

“Reserved amount on the card” - what is it? Where did it come from and how to find out?

Anton. This means that an account debit transaction(s) was made on your account. If you have not made any transactions within 2 days, then you need to urgently contact your bank. It is possible that you have become the target of fraud or in a bank of products. the technical error. If you have made transactions, then it is possible that this is the amount that you have spent since Friday morning. In this case, the money will be debited from your account on Monday.

Almost like Alexey wrote. Only such blocking of trading operations is usually established for a period of up to 14 days. It is removed in case of complete completion of settlements on the day of completion of settlements of all banks participating in the transaction, while the blocking amount and the amount of own funds are reduced by the same amount. If the calculations are not carried out for some reason, for example, the blocking was erroneous, then on the day the blocking ends, the amount of blocked funds is reduced, but the amount of own funds remains the same. For you, this situation means that the amount of funds available for use increases by the amount of the “extra” blocking. Finally, some hotels, car rental companies, etc. do not write off amounts from your card at all, but only block them for up to 2 months. For example, you are booking a hotel abroad. The hotel blocks the amount of your stay per day on the card (a guarantee of your solvency). You arrive and pay for your stay, either with the same card or with another card (here is a trading transaction, the money is debited completely after a few days), or in cash - blocked for booking, the amount is returned to your card - the blocking is removed. If you do not arrive, the hotel writes off the blocked amount as a penalty for canceling the reservation.

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business.ques.ru

All online transfers and payments go through a transaction, which is a sequence of different operations that ultimately fulfill your request to transfer money to the desired address. At one of these stages, your money may freeze. There are a huge number of reasons for this, be it failures in the payment system, insufficient funds in your account, incorrectly entered recipient details, incorrectly entered one-time password, etc. We will tell you what to do if your payment is stuck in processing.

3 ways to get your money back if your payment is stuck in processing

You must understand that money stuck in processing is stuck in the bank account in any case. You must ensure their return as soon as possible.

If your payment is stuck in processing, then the first thing you should do is try to return it to your own account.

You can do this in three different ways:

• by phone;
• at a bank branch;
• via Internet banking.

To receive a refund using any of these methods, you will need a receipt. We also recommend that you take a screenshot of an SMS message or from Internet banking as confirmation that funds have been debited. When you contact the bank, you will also need a passport.

1. By phone

You can recall a payment that is stuck in processing by calling the bank’s advisory line. The operator will ask you to provide payment receipt details and passport details.

If the payment is stuck not because you specified incorrect details for its destination, then the payment can be sent to its destination. Otherwise, the funds will have to be returned to your account.

Please note that in addition to your passport details and payment receipt number, the call center employee may ask you other questions to identify your identity. This could be a code word or some details of recent purchases on your account.

2. At a bank branch

If you have any difficulties with canceling a payment over the phone (for example, you did not remember the code word or found it difficult to answer other questions from the operator), then you should contact the nearest branch.

This should also be done quickly enough. Otherwise, your request to return funds to your account may take several weeks to be processed.

A bank employee will tell you how to correctly fill out the application form for a refund and cancellation of a transaction. The return of written-off funds is always carried out according to a given algorithm.

If your request for a refund is approved, the funds will be returned without payment of a fee. It is also worth noting that the speed of refund will depend on the reasons for the payment freeze.

If you entered incorrect payment details, this is one thing, but it is a completely different matter if, for example, you entered an incorrect one-time password.

In practice, there are cases when the bank rejected applications for a refund for an unknown reason. In this case, litigation awaits you, especially if you contacted the bank late.

3. Through Internet banking

In order to solve the problem of a stuck payment, go to your personal online banking account.

If you have not yet used this service, you can get your login and password at the nearest ATM using your bank card.

1. Log in to your personal account.
2. Find the line payments/transfers.
3. Check the status of your payment or transfer. If the system prompts you to cancel the payment, then do it, and then your issue will be resolved. This means that the bank has not yet processed the payment, so it is essentially frozen in the air and you can return it back. Again, if you notice incorrect transfer details, then immediately withdraw your money back.
4. Get your money back If you see a “revoked” mark next to the payment, it means your money will be returned to your account within a day. Otherwise, contact the bank directly.

Here are a few more types of marks in Internet banking that will mean that you have correctly withdrawn your money:

• "rejected";
• "interrupted";
• "cancelled".

Conclusion: Everything related to bank payments and transfers must be verified with detailed accuracy. But even a computer can make mistakes, let alone a person.

If you made a mistake and sent money using the wrong details, and it got stuck in processing, then use our advice and solve your problem easily and quickly.

Have you encountered a similar situation? How did you solve this problem? Share your experience in the comments below.

Now you know what to do if your payment is stuck in processing.

Best regards, 100druzey.net website team

100druzey.net

Holding | MigCredit

Holding is a procedure in which the bank, when authorizing a card, reserves the amount for this operation for a certain period until settlement is received from the acquirer. This operation is also called reserving, temporarily blocking or freezing the amount.

In other words, when paying by card, the amount spent by the client is reserved with the issuing bank until the next debit. At this time, the bank reduces the available balance on the card by this amount, but it is not debited from the account. Funds will be written off when confirmation of the transaction is received - clearing files are received from the acquirer.

If the files do not arrive, the amount remains frozen for a certain time, and then the card holder automatically gains access to it. The duration of this operation ranges from nine to thirty days.

In the event that there are differences in the currency of the account and the transaction, funds are debited from the card account at the rate that was set on the day of debiting, and not on the day of reservation. It is difficult to predict in which direction the exchange rate will change and what amount the bank will write off, so you should not spend all the money so that there is no negative balance.

This often happens when money that is not related to the reserved amount is written off from the card account. This is explained by the fact that the bank wrote off the money using the details specified in the clearing files. If these details do not match the authorization details, the amount that was reserved will “hang”, and the bank will make another write-off.

You may get the impression that the amount was written off twice.

It also happens when files confirming the operation are received after the funds have been unblocked. In this situation, the amount is debited from the card, and if there is not enough money, a technical overdraft occurs.

The problem of double debiting also arises when a hotel room is booked, when money is debited once when booking, and a second time when checking into the hotel.

In this case, the amount that was temporarily blocked will be available to the client after the holding period ends. If the card owner needs the money that was reserved before this deadline, he needs to contact the bank to cancel the authorization.

There are situations when a request is duplicated and the amount is blocked twice. This happens due to technical reasons or a cashier error.

It should be noted that in case of timely cancellation of authorization on the card, the reserved amount is unblocked quickly. For example, a buyer wanted to return an item to the store on the same day he bought it. The cashier will cancel the transaction to purchase the product and the amount that was reserved will become available to the cardholder.

migcredit.ru

“Reserved amount on the card” - what is it? Where did it come from and how to find out? - domino22

1. “Reserved amount on the card” - what is it? Where did it come from and how to find out?
2. Contact customer support, available 24 hours a day, phone number on PC
3. My situation is different. I made a payment through Facebook using a credit card. But Facebook blocked me, citing the fact that my account was hacked. But the money is still in reserve. And I don’t understand how to return them.

   This means that an account debit transaction(s) was made on your account. If you have not made any transactions within 2 days, then you need to urgently contact your bank. It is possible that you have become the target of fraud or in a bank of products. the technical error. If you have made transactions, then it is possible that this is the amount that you have spent since Friday morning. In this case, the money will be debited from your account on Monday.

4. Almost like Alexey wrote. Only such blocking of trading operations is usually established for a period of up to 14 days. It is removed in case of complete completion of settlements on the day of completion of settlements of all banks participating in the transaction, while the blocking amount and the amount of own funds are reduced by the same amount. If the calculations are not carried out for some reason, for example, the blocking was erroneous, then on the day the blocking ends, the amount of blocked funds is reduced, but the amount of own funds remains the same. For you, this situation means that the amount of funds available for use increases by the amount of the “extra” blocking. Finally, some hotels, car rental companies, etc. do not write off amounts from your card at all, but only block them for up to 2 months. For example, you are booking a hotel abroad. The hotel blocks the amount of your stay per day on the card (a guarantee of your solvency). You arrive and pay for your stay, either with the same card or with another card (here is a trading transaction, the money is debited completely after a few days), or in cash - blocked for booking, the amount is returned to your card - the blocking is removed. If you do not arrive, the hotel writes off the blocked amount as a penalty for canceling the reservation.
5. Anton, in the chain of mutual settlements for cards there are: the issuing bank (which issued your card) - the payment system (Visa, MasterCard) - the enquirer bank (with the help of which payments are made at retail outlets, for example).

   If the first and last concepts refer to different banks, then the amount from the card account is not immediately debited, but is reserved until mutual settlements between the issuing bank and the payment system.

   In any case, the presence of a reserved amount indicates that a request for payment has been received by your bank. Perhaps 3557 is the amount of several payments on the card, and not a one-time payment. Or perhaps this is a fact of fraud; this happens quite often these days. If this is an erroneous transaction, do not worry, after a certain time, these funds will be “re-mothballed”.

   In any case, you should call the customer support center and find out what is the basis for reserving this amount on the card.

   Good luck!

Attention, TODAY only!

www.domino22.ru

this... What is holding: holding conditions, double debiting, holding problems, holding schemes

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What is holding? Description and definition of the term

Holding (from English hold - to hold on) - storage of the volume of a completed transaction (payment) issued by the bank on a bank card, awaiting payment from the buyer. This transaction is called differently: reservation, freezing, temporary blocking of the amount on the card account.

In case of payment by card, the corresponding amount is held (cooled). At the moment, the card balance is reduced by the corresponding cooled amount, but the amount is not finally written off. When the bank receives confirmation of the transaction (payment), then the amount will be debited. Otherwise it will hold it for a few more days (depending on the bank term it can reach 30 days), then it will come back eventually and the holder will be able to use it.

Holding - in a banking transaction in which the lending institution, after moving any funds in the account, deposits the same amount of benefit for a certain period until the bank employee provides calculations. In other words, it temporarily cools the money on the card.

Thus, the cardholder makes the payment. This amount is held from the balance as if the same amount of money (chilled) were in effect. Once the loan provider receives a message from the customer, only then will the bank debit them from the customer’s card.

Holding conditions

Each bank sets the conditions for receiving transaction confirmation - from nine days to one month. There may be some problems due to this. In case of payment in a currency other than the account currency, the conversion rate will be calculated not on the day of the transaction, but on the day of debit from the account.

Thus, it is difficult to foresee the situation with the currency on the market in, suppose, twenty days of waiting for the bank. We advise you not to use all funds and pay your bill in another currency. Your balance can easily go into negative any minute.

Often the cooled amounts are suspended before the completion of the message receipt date from the bank employee. This occurs when the settlement details are inconsistent. It turns out that the client sees a double debit from the account. You should not be afraid of it as after the expiration of the wait, the first amount of profit reserved.

If the incorrectly cooled funds were urgently needed for you, then after providing you with all financial documents confirming the transaction will be returned to the bank. Sometimes the seller or other person to whom you, if the payment card promptly cancels the payment, cooled the money, will be on site in the shortest possible time.

Double debiting

It is not uncommon for double debits from an account due to a simple human factor. For example, the cashier made a mistake when registering a transaction on your card or there was a failure in the system. You should not panic ahead of time, try to analyze the actions calmly.

In other words, when there is a payment according to the card spent by the customer, the amount for the purchase/service is cooled by releasing the bank, i.e. deposited for subsequent debiting from the account. At the moment, the credit institution reduces the amount of the available balance according to the card by the amount spent by the client, but does not charge it from the account. In fact, the money from the card will only be debited when financial confirmation of the work being performed occurs in order to manage the bank - the so-called clearing files from the recipient arrive.

If these files do not arrive, the transaction amount remains reserved for a certain amount of time, then is automatically unfrozen and becomes available to the cardholder. The term holding in banks is also different, usually from 9 to 30 days. For example, in Alfa Bank funds are reserved for a maximum period of 9 days.

It should be noted some important points connected with holding. For example, in the case where the account currency is different from the transaction currency, debits from the card fund account occur at the level set on the day the account was debited, but not on the day the funds were reserved. In such a situation, it is difficult to predict when the currency level will change at this time and what amount will be charged by the bank from the card as a result, therefore, you should not spend all the funds without ending up with a negative balance.

Holding schemes

A fairly widespread situation is when funds are not debited from the amount previously reserved from the card. This is due to the fact that the debit from the account is done automatically by the credit institution on the details defined in the cleaning of files. If they do not match the details of the authorization of the reserved amount, and continues to “freeze”, there is a new debit from the card from the account. At the same time, the cardholder has the impression that the transaction amount has been debited from the card twice.

It is rare, but nevertheless, for files confirming the creation of a transaction to arrive after the funds in the account have been released. In this case, the amount is charged from the card and if there are not enough funds on it, then a technical limit has been exceeded.

Be frequently aware of the issue of double debits when booking hotel rooms. For example, in the case of booking a room, the hotel blocked a certain amount on the card, but when the tenant entered the hotel, it did not debit him and made a new debit from the account.

In such a situation, the amount temporarily blocked will become available to the client after the end of the holding period established by the bank. If the reserved funds become necessary for the cardholder before this term, he must contact the bank to request the cancellation of the authorization with financial support reports of the work performed.

The need for holding is to be in touch with the performance characteristics of all bank payment cards. During the regular purchase of something using a card, several different organizations - the seller of goods or services, the issuing bank (the bank that issued the card), the merchant buyer (the bank that processes payment through an Internet gateway or POS terminal) and the payment service provider - are involved directly (which unites all these transaction participants with each other). And until your bank receives so-called clearing files from the buyer describing all the details of the account transaction, it will not be able to debit the funds from your account. However, these files do not arrive directly, and it is necessary to give the goods or provide the service immediately after payment. And here temporary blocking of money comes to the rescue - the bank simply “cools” the money you spent, you don’t “see” it in the account anymore, but it is still there and will finally be written off only after the payment has been completed in full.

Holding money for expenses is a temporary reservation of funds. Therefore, when the capture period expires (it can last up to 30 days), and the cleared files are not active in the bank at this time, the money is “unfrozen” and your balance increases with this amount again. Another situation can also happen - during the purchase one amount is blocked, and confirmation files arrive to another, larger or smaller, then either a slightly larger or a slightly smaller amount will be charged from the account. This often occurs due to conversion characteristics where the payment occurs in a different currency than the card account (purchase abroad or from a foreign online store) and the exchange rate may change from the time the capture begins until the account is debited in full.

Walking problems

By the way, some other problems that bank card users may encounter are related to holding.

Firstly, if there is no money in the account during the final, when making a payment (if the exchange rate changes and the payment amount exceeds the blocked one), a technical overdraft may appear there. In order not to allow such an unplanned “departure to enter minus”, it is not necessary to cancel absolutely your card account, which is allowed on it, some free amount will always be kept.

Secondly, there is the problem of double debiting from the account, when money is charged from the card not at the expense of the amount blocked earlier, and others, free - many hotels often “sin” with this. When booking a room, they block the amount of the advance payment, but during the application they perform the calculation again - as a result, the hold occurs twice, on one of them, the money is actually written off, and on the other it “hangs” until the automatic opening, which, as we know , can last for a month. Hardly a pleasant prospect during the entire journey.

Often this transaction is also called temporary blocking, reserving or freezing the amount on the card account. This consists of dealing with the fact that the debit is made by the credit institution automatically on the details specified in the clearing files. For transferring money to the organization’s staff accounts, the level is 0.5% of the amount.

The question of why a credit card is necessary is that fewer people have installed it, since many people understand that its capabilities are truly extensive. Let's say you are abroad, you have a ruble card in your hands. The cashier, provided that the payment merchant has not yet received the information, will cancel the perfect transaction and the reserved amount will become available to the cardholder. As a result, even if you are the owner of a debit card and there are not enough funds on it, you can go into a technical overdraft. It is especially unpleasant to get into such a state if it is not about buying souvenirs for 10 euros, and paying for air tickets for the whole family or hotel accommodation. Not all requests may be available to a specific store. The funds are cold until the seller sends confirmation of the transaction (called clearing files).

The amount you plan to spend on purchasing or ordering bank reserves. This is very, very terrible, especially compared to other banks that do not have a similar problem.

We briefly reviewed holding: holding conditions, double debiting, holding problems, holding schemes. Leave your comments or additions to the material.

biznes-prost.ru

Reserving a current account: features, rules

Current account reservation is a popular service that has recently been offered by an increasing number of banks. This is a convenient tool that speeds up the process of obtaining a bank account number without visiting a credit institution and handing over papers. In Russia, the service has only recently been introduced, but in the world it has been in demand for a long time. After booking a current account, the resulting number can be indicated in agreements with partners and in other documents.

When is it convenient?

Reserving a bank account takes the form of an application submitted online. The goal is to obtain current account details at a credit institution in advance. After completing the service, the bank allocates a time during which the client must appear to transfer the required package of papers and receive the account as usual. Only after this all account options will be available.

Booking a current account will be useful:

• For urgent transfer of account number to business partners.
• When you need to participate in a tender, but there is no time to fully reserve an account.
• For use as a spare r/s to protect yourself from force majeure situations.
• If you wish, open an account with your chosen bank in the near future and reduce the time it takes to receive services.

How is a current account reserved?

One of the client’s main tasks is strict adherence to the algorithm of actions during the registration process. Reserving a bank account is done as follows:

• The client enters data into the questionnaire of the selected institution, after which the account is automatically recorded for the applicant.
• The bank sends the account number by e-mail, as well as a link to the list of papers that must be presented at the account registration stage.
• Within the agreed period (it is different for each bank), the client must come to the institution with papers and sign the agreement. If this is not done, the current account reservation will be cancelled.

What should you indicate in the application form?

Submitting an application to reserve an account involves entering the following data into the form:

• Citizenship information (resident or not).
• Forms of company management.
• Titles.
• OGRN and INN.
• Type of current account.
• The branch where the service will be provided.
• Name.
• Phone and mailbox.

Basic Rules

Before using the service, it is important to study the requirements put forward by the credit institution.