Advice 1: How to pay by Bank transfer

Many financial transactions, especially for a large sum, made by Bank transfer. This is understandable: when the payment takes the Bank, the transaction becomes safe and comfortable for both parties. The payer there are several ways to transfer money by Bank transfer.
How to pay by Bank transfer
Instruction
1
Fill in the order for the transfer of money from the account. If you have a Bank account, you can send to any account holder in your Bank or in another Bank. To come to the Bank branch and fill out the payment order. You need to know the following details of the recipient of money:
- name and organizational legal form of the enterprise (if you send the money legal.person);
INN and legal address (for recipient-legal.persons);
- the name of the receiving Bank;
BIC;
- the correspondent account;
- account of a recipient.


If you as a legal entity paying the invoice you contractor, just bring it to the Bank. This document will include all details of the recipient.
2
Get your Bank to access Internet banking. This branchless banking service is convenient for organizations and for individuals. Holders of accounts in most banks the opportunity to connect online banking to manage their funds from any computer with Internet access. Log in to a secure connection by typing your login and password (as well as sending you a verification code - as many banks require a higher degree of protection). Next, the procedure of payment will require you to have knowledge of the same details of the recipient, as in the previous case.
3
Use a plastic card for cashless payment. For performing remote transactions such as Internet purchases, credit card is your means of payment: all transactions are protected, while keeping the interface as simple as possible. Just enter after placing the order all your card details (number, protective three-digit cvv2 or cvc2 on the back of the card, name and expiry date of the payment document in the form as they are printed on it. Maps that have an increased level of security (e.g. cards issued by Sberbank), must also accompany the confidential confirmation code. The system will tell you whether your payment.
Note
Regardless of the method of cashless payment, always check the correctness of details and the amount.

Advice 2: How to pay by Bank transfer

To pay the issued invoice by means of transfer any legal or natural person having a Bank account. For this you need to use the Internet beninga (system "Bank-client") or transfer to the Bank the payment order on paper.
How to pay by Bank transfer
You will need
  • - account details of the payee;
  • computer;
  • - Internet access (not in all cases);
  • - special program for the formation of the bills;
  • - Internet banking or "Bank-client" (not always);
  • printer, pen, in the presence of a seal (not always).
Instruction
1
Based on the billing account you create a payment order. This is best done using a special accounting program. To do this, insert the recipient's details, purpose of payment and its amount in those fields in the program interface. Select also the order of payment.
2
In the presence of the system "Bank-client" you can load the payment order in electronic form.
3
If this is not possible, print invoice, put on it the signature and the seal and take it to the Bank or give it to the staff member who issued the power of attorney. To issue a power of attorney you if needed at any time.
4
If the system "Bank-client" is connected, you can create a payment order directly to her. To do this, log in, go to the formation of the payment order and insert the necessary details in their intended field. In box for order of payment select closest in meaning meaning.
5
To transfer a payment the document, staple it with a digital signature and send it to the tellers by using the appropriate menu commands.
6
To make payment you can also from the account of a natural person. To do this, log in to online banking and make a payment using the API system. As with "Bank-client", insert the details in those fields.
7
You can also contact the Bank and ask the teller to form the payment order on the basis of the details specified in the invoice.
Note
If you pay the expense in connection with entrepreneurial activity, better don't use to pay the estimated expense of individuals. Otherwise, the Bank may suspect you of using the account for the purposes of business and block it. In the law there is no ban on the use of accounts of natural persons for business purposes, but it often limits specified by the internal rules of the Bank.
Useful advice
In the formation of the bills on the computer possible copy all the values from the electronic version of the invoice.

Advice 3: How to pay for another legal entity

In the business practice quite often there are situations when one company is required to pay the liabilities of another. This possibility is provided by article 313 of the Civil code of the Russian Federation. To pay for the third person was recognized by all parties to the transaction, it is necessary to properly execute.
How to pay for another legal entity
Instruction
1
First find out whether the ultimate recipient of the money, the performance of the obligations of the third personm. Some companies, especially created with the participation of foreign capital and banks such payments are not accepted. So please make sure that your payment for another company will be credited.
2
The payment by a legal entity involves the simultaneous formation of or repayment of obligations between the debtor and company is the payer, therefore, the basis for payment should be defined by the contract. If your enterprise has a debt to the legal entitym that will be money transfer, you can repay it according to the payment partially or completely. In that case, if there is no debt, will sign the contract on granting of the loan.
3
Ask the debtor a formal letter with the request to make payment on its obligations. Make sure that it contains the following information:- name and legal address of the debtor;- the full name of the creditor and his Bank details;- payment;- the payment in favor of lender with reference to the contract under which payment will be made;- number and date of the contract between your company and the debtor.
4
On the basis of a letter prepare a payment order. Pay special attention to the purpose of the payment: it must contain the name of the debtor and to the obligations that are repaid in payment, and specify the contract between the debtor and the creditor, and the second between the debtor and your company.
5
For example, OOO "Avtotsentr" asks you to list 2 million rubles, JSC "automobile manufacturer" of cars under contract No. 123 dated 01.10.11 for your company and OOO "Avtotsentr" signed a loan agreement №1 from 01.12.11. The payment will look like this: "For the batch of cars under contract No. 123 dated 01.10.11 for "Autocentre" account of calculations under the loan agreement №1 dated 01.12.11, including VAT (18%)".
6
Because the debtor does not have documents confirming the fact of payment, pass a copy of the payment order marked by the Bank. For reflection of operations in accounting, make and sign the act of offsetting specified in the payment agreement.
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