There is a total sale in the store. Or an auction has been announced for a long-desired item. And now you stand with your card at the terminal, or confirm the payment in the online store, but instead of the expected purchase you receive... Refusal! You turn pale, blush, feel uncomfortable, start calling your bank, and sometimes swear. And you are trying to understand - why, why did your card fail you at the most necessary moment? The apogee of frustration... Away from panic, we are looking for the causes of the problem and ways to solve it.
Before calling the bank and arguing with the branch or call center employees, remember the two simplest reasons why you may be refused to pay for a plastic card.
The first is the banal account balance. Unfortunately, we are not always able to estimate the rate at which our balance is decreasing, especially when spending our day in shopping center. So try to remember how much money you had and how much you should have left. In most cases, the problem is quickly resolved.
In order to always know how much more you can spend, you can connect yourself to a notification service about account transactions and the current balance, the so-called mobile bank. In online mode, the bank will send SMS messages to your mobile phone with information about the completed transaction and the current balance.
The second is a malfunction of the terminal itself (or the payment acceptance service in the online store). Moreover, the malfunction can be either the most common breakdown (after all, any equipment can fail), or simply a lack of communication with the bank or payment system. At this point, call or don’t call, until the terminal itself is operational, you won’t be able to pay for the service with a card.
Third, if a PIN is requested at a retail outlet, clients often simply “miss” the required combination themselves and receive a completely legitimate refusal. In an online store, you can also enter the card expiration date or CVV2 code incorrectly.
Basically, clients receive the reasons for refusal associated with this list immediately - on a receipt from the terminal or on a page on the Internet.
We have already examined the simplest and most common reasons for refusals when paying with plastic cards. But there are times when the client objectively does not understand why he was unable to complete the transaction.
In one of our articles we talked about how banks ensure the security of their cards. Actually, these security measures can become the primary source of unsuccessful payments.
Limits
Not all clients know (and many simply forget) that almost all banks set limits on their plastic cards in terms of the number and amount of transactions.
The bank can set limits in order to minimize the client’s losses in case of loss of the card (when it has not yet been blocked). Mostly, threshold values These restrictions are high enough to ensure comfortable payment by card. But even if the amount is not enough, you just need to call the bank and raise the limit to the required level.
Many banks include the function of changing limits in online banking services (Internet banking). Thus, clients have the opportunity to independently set and regulate limits on their cards.
Security system
This is where it gets a little more complicated. The restrictions that may be included in this case are, as a rule, unknown to the client in advance.
The bank security system is a comprehensive, multi-stage protection of plastic cards from potentially unwanted or suspicious transactions. When receiving a transaction refusal related to the security system, clients are simply lost and cannot even imagine what this might be connected with.
The main reasons why such restrictions may be triggered are transactions on the Internet, other countries (when traveling abroad), the time of operations, the frequency of transactions over a certain period of time, frequent changes retail outlets, or vice versa - payment in the same store several times in a row - the list is quite large, and in each specific case it is very difficult to “guess” the reason.
Banks try their best to keep the principles of the security system secret. This is understandable - if anyone can easily obtain this information, there will be no justice for scammers.
Everything can also be resolved by calling the 24-hour support service - bank employees will be able to check your transactions at any time and remove the necessary restrictions.
It is more difficult if the security system of the acquiring bank (the owner of the terminal) has been triggered - this also happens. In this case, you will have to go through all the circles of hell until the issuing bank (your bank) and the acquiring bank (store bank) are convinced that you are you and that the transaction is not performed by a stranger. Only after confirming your details will you be given the green light to purchase.
Incorrect data
It happens that when performing a transaction, employees of retail outlets (or the client himself at an ATM or online store) select the wrong type of transaction or the wrong account. In this case, you will receive a strange notification: “Invalid data”, “Incorrect account”
Don't compete with the device, find out exactly what you did wrong at the bank. And even more difficult...
Such cases are rare, but they do happen.
Sometimes it is not possible to complete a card transaction due to a global failure in the bank itself or payment system. Of course, neither one nor the other is doing everything possible to prevent such situations, but anything can happen.
If the refusal is connected precisely with this, then no number of calls to the bank will solve the problem immediately. All that remains is to wait. True, in this case it is not just one client who experiences problems, but very, very many, so the time required for restoration of work is reduced to a minimum.
“Lethal” outcome for your card:
- it just expired. That is all - you cannot use the card, it is simply invalid;
- The plastic card is physically damaged. It is scratched, broken, demagnetized (if it only has magnetic tape), and they cannot process it.
It’s easy to overcome this trouble - go to the bank and replace the old plastic with a new one. But in this case, you will no longer make the right purchase at the right time.
A similar error often occurs after sending a payment order to the addressee. It occurs in cases where the author of the document incorrectly filled out individual columns. Let's take a closer look at the preparation of electronic payment orders, their verification and the reasons for errors. So, the recipient's account key is incorrect - what does this mean? Sberbank provides various ways to solve the problem.
What does it mean that the recipient's account key is specified incorrectly (Sberbank Business Online)?
What causes the "Recipient account key is incorrect" message to appear? The point is that the system works in automatic mode and checks all filled fields. If inaccuracies are detected in the recipient's details, a message with a key error is displayed.
After receiving the service message, you need to carefully check the correctness of the account to which the funds are transferred and the recipient's BIC.
Sometimes checking the details does not correct the situation. If the fields coincide in value with the data on the account from the recipient, then you need to contact him to clarify them. Perhaps an error was made while filling it out.
Such careful attention to the correctness of the details is necessary to avoid problems during admission cash to the desired addressee. Many errors do not have such serious consequences, so they are corrected automatically. Thus, Sberbank strengthens the security of money transfers, which invariably increases its reputation in the banking industry and has a positive effect on its rating.
Features of the Sberbank Business Online service
With his help, legal entities receive remote access to various banking services. 
The most popular Business Online opportunities:
- creation in electronic form, checking and sending payment documents for processing;
- working with accounts, tracking balances, receiving statements;
- ordering various banking services;
- receiving useful information And free consultations about the work of Sberbank.
Companies, organizations and private entrepreneurs receive information to log into the online account after reviewing the application. The latter is served at a Sberbank branch. In most cases, the login and password are sent via SMS to your mobile phone. It is recommended to change your password to a new, more complex one after logging in for the first time.
Filling out a payment order
To avoid displaying the error “The recipient's account key is incorrect”
(what this means is described above), Sberbank recommends that you be careful when preparing payment documents. Developers software We have created an accessible interface that helps you fill out the payment correctly. 
Among the tasks offered by the service, money transfers are most often used. Sberbank specialists offer simple instructions which will help you avoid trouble.
The payment form should be filled out as follows:
- in the toolbar located at the top of the service page, you need to find and click the icon for creating a new payment;
- A form with fields appears on the display. Some are painted white, and others - in gray. The first ones are intended for manual filling. The second ones are for automatic. In some cases, gray fields have drop-down lists in which you must manually select the appropriate value;
- The system assigns a number to the payment order automatically. If for some reason you are not satisfied with this numbering or you create your own, then you can change it at your discretion;
- The date the document was completed is automatically entered. Sometimes it has to be changed manually;
- the system independently indicates the method of sending the order, as electronic. It can also be changed;
- if funds are transferred to the recipient again, then his details can be taken from the invoice for payment. When transferring them into a document, close attention is required to avoid errors;
- The recipient's data is also saved in the directory and can be retrieved automatically. At the beginning, work with the online account is entered manually;
- Enter in numbers the required amount of money that will be transferred to the recipient. It is worth noting that the system itself will calculate VAT. However, it can be set manually;
- indicate the purpose of the payment.
Checking the completed data
The next step is to validate the document before queuing it for processing. This takes minimal time. If everything is done correctly and no questions arise, a corresponding message appears. If an error occurs (the recipient's account key is specified incorrectly), Sberbank returns the document for revision.
Among others, there are a number of errors that do not need to be corrected manually, for example, an incorrect number. The program will fix it automatically, but you can do it yourself.
The system will check the payment again. If everything is in order, the document will be queued. The status “created” will appear in the line next to it.
From this article you will learn:
...about how Sberbank works online, about its principles of communication with clients, about special services and opportunities
;
...on how to create a 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 funds through remote access (for this you will need your personal computer, login and password to enter 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 number mobile phone, to which the first login password will be sent. When starting to use the Business Online services, the client will be prompted to log in and enter a new password.
How to create a payment order online?
Before conducting any electronic transaction on the site 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. Fields gray more often they will be filled out 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: The data entry of the user carrying out the 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 specified the number of an existing document, the system will automatically replace it with another one.
If the “save” 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 to receive 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.
There is serious controversy surrounding the need for a taxi license to work in Yandex.Taxi. What requirements does the law impose on taxi cars and drivers? Do I need a taxi license to work in Yandex.Taxi? Let's try to figure it out. And most importantly: if you want to speak out on this issue, write in the comments what you think about the taxi license for Yandex.Taxi.
Where is a taxi license required to work in Yandex.Taxi? License required only in Moscow and Moscow region.
Read also:
Why don't you need a taxi license to work in Yandex.Taxi? In many countries, in particular in Russia, Yandex.Taxi bypasses traditional laws and the usual state of affairs in the taxi industry. If the law has weak points Yandex.Taxi is taking advantage of this situation to quickly develop its business in new markets and even develop our ideas about the taxi business in general. At the same time, Yandex.Taxi always tries not to go too far and reach reasonable agreements with the authorities and official representatives of the city.
So far, Yandex.Taxi has only had to make concessions regarding the taxi license in Moscow; in other cities, Yandex.Taxi has successfully managed to circumvent the requirements of the taxi law, since Yandex.Taxi cars are not taxis. On the other hand, this allows Yandex.Taxi to offer jobs to interested drivers without unnecessary obstacles, and therefore, the actions of Yandex.Taxi have benefits both for the city’s economy and for the well-being of the independent drivers themselves.
Read also:
What are the car requirements to obtain a taxi license? Depending on the region, the requirements for a car to obtain a taxi license are:
- yellow or white-yellow-gray color according to STS
- Taxi identification lamp on the roof.
An organization that has received a taxi license for a car is also required by law to ensure:
- monitoring the technical condition of the machine before leaving the line
- Taxi driver undergoing pre-trip medical examination
- issuance by the driver of a receipt upon payment of the fare by the passenger
- availability of information about the carrier for passengers
- Carry out technical inspection of the car every six months.
Read also:
What are the legal requirements for a licensed taxi driver? Total driving experience 3 years with license.
What is the situation with a taxi license in real life? Firstly, the only city where Yandex.Taxi has yielded to the demands of city authorities and requires a license is Moscow. In any other city you can safely work without a license. In Moscow, a taxi license can only be obtained for a white-yellow-gray or yellow car; a license is not required for a Business Class car.
In real life, a taxi license to work in Yandex.Taxi can be bought like tomatoes at the market; obtaining a license takes 9 working days. The obtained license does not impose any responsibilities on the driver, so a license purchased in this way is an absolutely meaningless piece of paper.
However, obtaining a taxi license for a car poses an obstacle for the driver if he wants to start working in Yandex.Taxi as quickly as possible and in any car. Due to the mandatory license requirement, many drivers refuse to work for Yandex.Taxi and lose the opportunity additional income. In this sense, the mandatory license only harms the normal development of the taxi market.
Read also:
What arguments do defenders of taxi licenses make? Defenders of the license argue that enforcement of the taxi law makes travel safer for passengers because cars and drivers are further inspected before operating. However, current practice does not confirm this. It is in Yandex.Taxi that a taxi license does not protect anyone from anything.
The safety of the trip depends only on the prudence of the driver himself, which is regulated through control by Yandex.Taxi, including through the driver rating system. It seems to me that supporters of the license are simply using it to maintain artificial high prices for travel and as the last bastion in the fight against large services.
Read also:
Video
Taxi license to work for Uber - video
Attention, traffic police scam regarding taxi license A traffic police officer cannot fine a driver for not having a taxi license. The only way to check is this:
- a mystery shopper makes an order and gets into a Yandex.Taxi car for a short trip
- At the end of the trip, the passenger pays in cash
- At the end of the trip, the car is met by witnesses, employees of the city transport service and police
- inspectors ask the driver to show the necessary documents
- controllers draw up a protocol confirming the fact of travel and payment in cash
- possible punishment for carrying out entrepreneurial activity Without a license, only the court can appoint. This is a fine of several thousand rubles and potentially confiscation of the car.
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