161 zoMthetho Federal "Ngo-National Payment System": essence, incazelo, ushintsho

ukudluliselwa Imali abazenzi ku Russian Federation ngokuhambisana 161-FZ "Ngakolunye indlela yokukhokhelana ezweni." Ingqikithi yalo mthethonqubo ukusungula izimiso senhlangano ye-NPC. Le ncwadi ulawula inqubo yemali ukuthengiselana. Made in 161-FZ "Ngakolunye indlela yokukhokhelana ezweni," izinguquko eziye zehlela eyama-electronic elisetshenziswa ukuqaliswa izinguqulo. Ake sicabangele ezinye imithetho.

Uhlolojikelele

Indlela yokukhokhelana ezweni kuyinto 161-FZ kuchazwa njengoba iqoqo opharetha, ukudluliswa kwemali, amanxusa kanye nezinhlangano neteliposi. Ukuhlinzekwa kwezinsiza Kwenziwa ngokuhambisana nezivumelwano. Ziyakwazi namakhasimende kanye phakathi opharetha. Ukudluliswa izimali ezenziwe ngaphansi amafomu esetshenziswa EFT, ngokuhambisana nezidingo izenzo normative we Russian Federation.

Ikakhulukazi iqhaza LES

161 uMthetho Federal "Ngo-National Payment System" icacisa ukuthi subagents yasebhange sihlinzeke izinhlelo ukudluliswa kwemali ngokuhambisana nezivumelwano. Zenziwa nge opharetha namanxusa. Uyakubizwa sihlangabezane nezidingo Art. 14 161-FZ "Ngakolunye indlela yokukhokhelana ezweni." izinhlangano leposi ingase ikuhlinzeke ngamanye amasevisi ukudluliswa kwemali ngokuhambisana isenzo normative №176 kusukela 17.-07.1999, le Agents Ukukhokha abathintekayo ohlelweni ngokuvumelana nemithetho eyasungulwa zoMthetho Federal №103 kusukela 03.06.2009, le

imithetho Ukuhumusha

161-FZ "Ngo-National Payment System" inikeza ukuthi kokulethwa kwezinsizakalo opharetha kusekelwe imiyalelo iklayenti sika. Abakwazi ukwenza njenge-umamukeli kanye izindlela umthumeli. Ukulahlwa kumele wenza ngokuvumelana nemithetho ababenikezwe amafomu isicelo lokudluliselwa cashless. Ukuhumusha kwenziwa ngezithukuthuku lokukhokha komunye oyedwa. Zingase zibe ku-akhawunti yakhe ngabanye noma itholakale kubo ngaphandle kokuvula / c. Etholwe izimali iklayenti kuthiwa ivela akhawunti yomemukeli noma ekhishwe kuye ngokheshi. Ukuhumusha kungenziwa ngokufaka imali ukuze kuzuze umamukeli ngaphandle kokuvula / c. Leso simo kwenzeka, ikakhulukazi, uma udlulisa imali electronic.

161-FZ "On the kazwelonke yokukhokhelana": incazelo

Akulona ukuhunyushwa ukwethulwa imali kwamakhasimende ku-akhawunti yakho siqu ebhange noma ukuthola imali evela kuye komunye opharetha. Ithemu lokwedlulisela imali ukuhlinzekwa kwezinsizakalo phezu 161-FZ, ngeke sidlule emalanga ekusebenta lamatsatfu kusukela ngosuku ukudonsa nabo / c noma kusukela ngosuku imali amaklayenti. Ukudluliswa kweemali ngaphandle opharetha, le balamuli kungenzeka ohilelekile. Ngaphandle okubangelwa ngenye ifomu esetshenziswa ka-EFT noma umthetho kahulumeni, irrevocability lokudluliselwa kwenzeka ngesikhathi ubhala off imali ku-akhawunti noma ukunikeza amakhasimende abo. Ukuxolela lihamba elekthroniki. Ukudlulisa olungenamkhawulo, ngokuhambisana-FZ 161 "Ngakolunye indlela yokukhokhelana ezweni," livela mzuzu izimo ebekwe ikhasimende. Lo mthetho futhi kusebenza amacala esiphikisayo ukuhanjiswa imibhalo ebalwe esihlukile, ukudluliselwa kwezezimali (izibambiso). I evusa ukundlulisa uma iklayenti akhonzwa omunye opharetha, kuza ngesikhathi nokufaka izimali ku-akhawunti yomemukeli noma uvumele Ukukhishwa imali yabo. Lo mthetho awusebenzi ukunyakaza imali electronic. Uma iklayenti sinikezwa yi opharetha ezahlukene, evusa lokudluliselwa kwenzeka uma imali zidluliselwa ku-opharetha umamukeli. Lokhu kufanele bacabangele nezidingo Art. 25 161-FZ "Ngakolunye indlela yokukhokhelana ezweni."

izibopho opharetha

Bayeka ngesikhathi sokudlulisa sokugcina. I-opharetha ukuze uthumele kwezimali ku-akhawunti yomemukeli noma kokukhipha kwabo kuye ngokheshi kumelwe ukunikeza amakhasimende ne ithuba lokubuyekeza ulwazi nemibandela ukuhlinzekwa kwezinsizakalo. Ulwazi kufanele kube lula ukuqonda. Ukujwayelaniswa kuhlanganise kwenziwe:

1. Inani ikhomishini futhi oda iqoqo yayo, uma kuhlinzekelwe esivumelwaneni.
2. Indlela ukunquma izinga lokushintshisana lapho wenza nokudluliswa izimali zakwamanye amazwe.
3. Inqubo ngokuthumela izimangalo.
4. Olunye ulwazi olufanele ukuhlinzekwa kwezinsizakalo yokukhokha.

Izici okufunekayo umamukeli translation

Nge-direct debit ku-opharetha, ngokuhambisana isivumelwano lomkhokhi, ezidonswe ku-akhawunti yakhe kwemvume yakhe (ukwamukelwa) ye-oda weza. Ilungelo ukuletha isimangalo kufanele unikezwe sivumelwano umamukeli. I lokukhokha komunye oyedwa kungenzeka ukunikeza imvume yayo kuze kokuthola umyalelo noma ngemva kwalokho. Kuvele ukwamukelwa ezingahle zihlinzekwe inkontileka ne-opharetha noma wenza e umbhalo oseceleni (umyalezo). Iklayenti unelungelo ukunikeza imvume maqondana umamukeli oyedwa noma ngaphezulu noma izimfuneko. I-oda ingase ithunyelwe ngokuqondile opharetha noma therethrough. In the ukungabikho zangaphambi ukwamukelwa inkonzo inhlangano Kuyakudlula imfuneko ukuthola imvume ka kungakadluli usuku oluzayo emva Ukwamukelwa umyalezo. Uma wanikwa kusengaphambili, futhi othola oda oluhambisana nemigomo yalo, ingabe kufanele yenziwe yini. Ithemu ukusebenza kanye nosayizi isethelwe ukwamukelwa. Uma izidingo lomamukeli kungqubuzana nemibandela kwemvume lokukhokha komunye oyedwa noma kungekho ithuba ukuhlola kwabo, opharetha kumele ubuyele umyalelo ngaphandle kokusebenzisa. Incwadi yesivumelwano angathunyelwa inkonzo komsebenzi inhlangano kuleli cala, cela ukwamukelwa.

161-FZ "On the kazwelonke yokukhokhelana": Isigaba 9

Kulesi isenzo normative kuhlanganisa amalungiselelo elawula imithetho ekusetshenzisweni elekthroniki. It wenziwa ngokuhambisana inkontileka. Isivumelwano phakathi opharetha kanye nekhasimende noma phakathi lokuqala kuphela. Ukukhonza isihloko unelungelo lokuba enqabe ukubhalisa yesivumelwano.

I-oda jikelele

isivumelwano mayelana nokusetshenziswa elekthroniki yokukhokha okulindile, opharetha kumele azise ikhasimende mayelana zonke izimo. Ikakhulu, i-isingeniso Kwenziwa nanoma iyiphi imikhawulo, kanye amacala imisebenzi ephezulu. I-opharetha nayo aphoqelelwe ukuba wazise ku ukudluliswa kwemali ngamunye. Kuze kube yimanje, isaziso esifanele ithunyelwa iklayenti. Imithetho abulawe yayo futhi ukuthumela asethwe e inkontileka. Kungumsebenzi we-opharetha kufakwe ukuqinisekisa ngokuthumela isaziso ukulahlekelwa inkokhelo electronic noma yokusetshenziswa kwawo ngokungabi bikho kwemvume amaklayenti. Zonke izaziso kumele kuqoshwe futhi ulwazi elihambisana kumele agcinwe iminyaka emithathu. I-opharetha iphoqelekile ukuba inikeze ulwazi kanye imibhalo ehlobene nokusetshenziswa elekthroniki yokukhokha yiklayenti. Imithetho lithwalwa ngaphansi okuyinto phandle, kuchazwe inkontileka. I-opharetha futhi kufanele ucabangele izimangalo uma kwenzeka kuba nezinxushunxushu, kuhlanganise nokusetshenziswa elekthroniki yokukhokha. Iklayenti kufanele banikezwe ithuba lokuthola ulwazi umphumela kwecala on kudlulisa kwakhe icala.

Ukunqanyulwa / ukumiswa ukusetshenziswa elekthroniki

161-FZ ivumela lezo zenzo khona isaziso etholakele iklayenti. Ukunqanyulwa / ukumiswa yokusetshenziswa ingaphinda okuqalwe opharetha. Kulo mBhalo, singaphansi ukugcwaliseka imithetho ukwephulwa yiklayenti, elisungulwe inkontileka. Ukunqanyulwa / ukumiswa yokusetshenziswa akuvimbeli kwezibopho opharetha futhi ukudluliswa ikhasimende imali, uma kuphakama phambi isinqumo.

ngaphezu kwalokho

Uma kwenzeka yokulahlekelwa noma ukusetshenziswa elekthroniki yokukhokha, ngaphandle kwemvume wekhasimende, kumelwe ayimukise isaziso ku-opharetha. Ifomu lesaziso kunqunywa inkontileka. Ukuze isaziso eyokhokhwa ngokushesha emva ukuthola amaqiniso ahilelekile futhi kungakadluli ngosuku olulandela usuku ulwazi mayelana ikhomishana eyohlinzwa okungagunyaziwe. Emva kokuthola isaziso, opharetha kumele nxephezela ikhasimende ukwesulwa ngaphandle kwemvume yakhe isamba.

umehluko wemisindo nemiqondo yamagama

Uma opharetha akusho bafeze imisebenzi ehlobene ekwazisa ikhasimende ye okwenziwe ngokuhambisana neNgxenye. 4 Art. 9, umthetho okukhulunywa ngakho, enesibopho buyisela inani bhala-off lapho umsebenzisi engakaze aziswe futhi eyayihunyushwe adluliselwe ngaphandle kwemvume yakhe. Uma inhlangano inkonzo ngokuthumela isaziso ngokuhambisana nezidingo isiqondiso, futhi iklayenti akusho ukuthumela umlayezo nge imithetho h. 11 Art. 9, isinxephezelo singanikezwanga. Uma opharetha wenza imisebenzi ezihlobene ukuqwashisa abasebenzisi, abantu ngokomzimba ukuthengiselana ukwenziwa ihora. 4, njengesakhamuzi, esikhundleni salokho, wathumela isaziso ngendlela ye-11, eyokuqala aphoqelelwe ukuba buyisela lemali ukwesulwa ngaphandle kwemvume, ukuba okwamanje lokuthumela imilayezo ngabanye mayelana okungagunyaziwe izenzo. Kulokhu, isinxephezelo unikelwa uma inhlangano inkonzo bangabonisa ukuthi imithetho ikhasimende ngoba ukusetshenziswa elekthroniki yokukhokha adicilelwe, futhi ezaholela imiphumela ehambisana. Nokho, lo mthetho, kunokuningi okungakhulunywanga ngakho. Izinhlinzeko Isigaba 15 Isigaba 9 kubhekwa isenzo normative ngemisebenzi opharetha ukuze sivale lapho sisilela ikhasimende-yemvelo abantu inani kuthengiselana eyenziwa ngaphandle kwemvume yakhe, ngaphambi kuthunyelwa isaziso esifanele angeke zisebenze amacala ukusetshenziswa elekthroniki yokukhokha ngaphansi Ingxenye. 4 Art. 10.