Any credit organization accepts payment orders. Thanks to these documents, it is possible to accurately, quickly, and most importantly, correctly make a payment - transfer, withdrawal of funds, etc. A payment order includes a very important requisite - the purpose of the payment. Many payers do not know what to write in this column. Therefore, for most, filling out this kind of document is a long process. This article will help you more quickly cope with filling out a payment order.
Count and its meaning
It follows from the federal banking legislation of the Russian Federation that all state and commercial banks are required to carry out various manipulations with funds in accordance with the rules adopted by the Central Bank. Additional information can be found in Article 31 of the Law No. 395-1 “On Banks and Banking Activity”.
There is a generally obligatory form of payment order. It is given in Appendix 2 and 3 of the rules for the transfer of money of the Central Bank of the Russian Federation of 2012 No. 383-P. Here you can find the entire list of payment details and their detailed transcript.
Of course, there are samples of a completed payment order on the Internet. This can save you from the question of what to write in the "Purpose of payment" column. However, in each case, filling in this requisite is very individual.
It is extremely important when filling out a payment order to carefully enter all the data. After all, only a correctly completed document will allow accurate identification of the payment, and the bank will be able to quickly and clearly respond to the client's request.
In the event that the payment order is filled out incorrectly, this will inevitably lead to consequences. For example, the funds will be transferred to a completely different recipient. There are also cases when the bank simply cannot identify the payment (due to a typo, incorrect personal or bank account, etc.). But first of all, it is very important to understand what to write in the "Purpose of payment" field.
Detailed information about this requisite can be gleaned from the mentioned document of the Central Bank No. 383-P. It is indicated here that it is required to enter the purpose of the payment when filling out the document for the transfer of money. This column is an integral part of the payment order.
What to indicate
Many people are naturally interested in the question of what to write to individuals when filling out the field in question. According to the rules, in this column it is necessary to indicate the basic information of the payer about the purpose of the money transfer. Moreover, they may or may not be provided for by the legislation of the Russian Federation. These include:
- name of the work, service, product;
- date and number of the agreement, contract, agreement, etc.;
- Learn more about value added tax.
Example
"Provision of services for the repair of a NISSAN X-TRAIL car in accordance with the act _______________________________ (number and date), including VAT 18% 3400 rubles."
Additionally, in the column "Purpose of payment" when transferring money, a link to the register and the number of orders that it contains can be indicated. This applies to payment documents that show the total amount with a register.
The number of characters when filling in the field "Purpose of payment" should not exceed 210 units.
Error in the document: how to be
After filling out the payment, be sure to check for typos, inaccuracies, etc. If an error is found in one of the payment points, it is necessary to issue the document again. If this is no longer possible (the bank has started the transfer of funds), you should cancel the payment as soon as possible. You can do this in several ways:
- contact a bank employee directly or by phone;
- contact the support service of the bank's website (for example, call Sberbank Online).
Please note that each payment order has its own due date. If you delay the procedure for canceling this document, then it will simply be impossible to revoke it later.
After you have sent a request to cancel the payment, bank employees will certainly begin to consider the situation that has arisen. A credit institution will not be able to carry out the procedure for transferring funds based on erroneous data specified in the requisite in question. Therefore, all money will be returned to the payer. A striking example of such a situation can be an incorrect indication of the purpose of payment for utilities.
If the allotted time for the return of the payment was missed, then the funds sent will not be so easy to return. Because the payment has already been formally transferred to the account of another person. So, it will be necessary to solve the problem that has arisen with him, and not through the bank.
In any case, only correctly filled in details of the payment order will save you from unnecessary problems.
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