Refund to the buyer by bank transfer

When returning goods, you must provide the seller with the card or account number to which he should credit the funds. Complete details are required. This is due to the fact that the date of purchase and the date of writing the return application may differ by several days. In fact, from the moment of purchase until the moment the money is credited, anything can happen to the card - loss, blocking, expiration, etc.

You can also return the money to another card, not the one you used to pay for the purchase. But this card must also belong to the buyer.

The Civil Code makes it possible to exchange goods if they do not fit or are not to your liking. You are given two weeks from the date of purchase for returns or exchanges.

Refund Policy

Non-cash payment for goods and services is regulated by Federal Law No. 54. How the return will be made depends on the method of payment when purchasing: if the buyer paid for the goods by bank transfer, they will return it to the card, if in cash, they will issue cash from the cash register.

Cash refunds for non-cash payments are a violation of the law. The fact is that the client paid with a card, and when returning the goods the seller decided to give cash, then the tax office identifies such an operation as money laundering and cashing out in an illegal way. If the Federal Tax Service detects this violation, it will impose a large fine on the seller.

Return of low-quality goods

If the buyer discovers a defect in the product, he may ask:

• Replace it with a product of the same or another brand. If the price of the goods is different, then he pays extra or you return the difference to him.
• Reduce the price for which he bought the product.
• Eliminate product defects free of charge or reimburse the buyer for the costs of correcting them.
• Refunding money for an item is the most common problem.

If the customer knew about the defect when purchasing, you are not obligated to accept the product and return the money. For example, in some stores they sell discounted goods and immediately talk about its shortcomings. Then they cannot be a reason for a return.

To find out the reason for the marriage, you can conduct an examination at your own expense. If it turns out that the buyer himself damaged the goods, do not accept it back and ask for reimbursement of the cost of the examination. The buyer is obliged to do this.

Step-by-step refund procedure

The conditions for returning funds for goods are described in the letter of the Central Bank of the Russian Federation No. 112-T. Judicial practice is completely on the side of the rules specified in the letter. So far, there have been no cases in court that did not side with the provisions of the law regarding refunds.

Stages of returning funds to the buyer’s card account:

1. the buyer writes a statement in which he describes the reasons why he wants to return the goods, and also necessarily indicates the details of the bank card to which the money paid for the goods must be credited;
2. the seller starts the return operation on the terminal and issues the buyer a receipt on which “return” will be indicated;
3. the seller is obliged to send information about the refund made to the servicing bank via an electronic journal or payment register.

What the buyer must provide for a return:

• the product itself;
• identification document (passport of a citizen of the Russian Federation);
• the card used to pay;
• cash receipt;
• return application.

If there is still a need to return funds to a card other than the one the buyer used to pay at the time of purchasing the goods, the details of the other card must be indicated in the application. But the most important thing is that the owner of the account must be the buyer himself, and not a third party.

Return of quality goods

If a quality product does not suit the buyer in color or size, he can ask to exchange it for a suitable product. You may have three reasons for refusal:

• More than 14 days have passed since the date of purchase.
• The product has lost its appearance. For example, a customer brought shoes with worn soles or a shirt without a button.
• The product cannot be exchanged or returned by law. For example, cosmetics, underwear or jewelry. Remember that you can refuse for this reason only if the product is of high quality. List of goods that cannot be returned

If there are no reasons for refusal, you must exchange the product for one suitable for the buyer. And in his absence - return the money.

Use of cash register when returning

In case of return, the seller is obliged to carry out the transaction, including via cash register. The fiscal carrier's receipt reflects only the amount paid by the buyer.

List of details in the CCP strict reporting form and CCP cash receipt:

• QR code;
• Title of the document;
• time of the operation;
• the address where the payment was made;
• name of the organization or full name of the individual entrepreneur;
• TIN and taxation system, if we are talking about individual entrepreneurs.

Important! Even if at the time of sale of the goods the receipt on the cash register was not punched, in case of return it must be printed.

An important condition for issuing a check is the presence of a payment indicator. This sign indicates the type of transaction performed - purchase of goods, return of goods or adjustment. In the case when a return is made, the client is given a check with the calculation sign “return to the buyer (client) of funds received from him - return of receipt.”

Returning funds to the buyer’s bank card in “1C: Accounting 8” (rev. 3.0)

We remind you that the return of goods by the buyer in “1C: Accounting 8” edition 3.0 is registered by the document Return of goods from the buyer (Sales section). To reflect transactions involving payment for goods (work, services) by customers using a bank payment card, the Payment Card Transaction document is intended. To summarize information on cash flows under acquiring agreements, subaccount 57.03 “Sales by payment cards” is intended.

Starting from version 3.0.49 of the program, you can issue a refund to the buyer to his payment card using the document Transaction on a payment card with the transaction type Return to the buyer (section Bank and cash desk).

We will consider the procedure for transferring funds to the buyer’s bank card when returning goods using the following example.

Example 1

Andromeda LLC sells goods and services at retail, applies the general taxation system, is a VAT payer, and does not apply the provisions of PBU 18/02. In accordance with the accounting policy of the organization, retail goods are accounted for at purchase prices. Goods and services are sold through an automated point of sale using cash register equipment (CCT). Andromeda LLC accepts bank cards for payment. According to the terms of the agreement concluded by the organization with the acquiring bank: the acquiring bank's remuneration is 2% of the amount of revenue received; funds for goods paid for by the buyer by bank card (minus the amount of remuneration) are credited to the organization’s bank account the next day after the day of purchase; In the case of a return of goods not made on the day of purchase, the funds for the returned goods credited to the buyer’s card are withheld by the acquiring bank from the amount due for the transfer to the organization. In this case, no bank commission is charged for transferring funds. Sequence of operations: — On April 10, 2017, the organization sold men’s suits (5 pieces) for the amount of RUB 118,000.00. (including VAT 18%), which were paid by buyers in cash (RUB 70,800.00) and payment cards (RUB 47,200.00); — on April 12, 2017, the acquiring bank transferred funds to the settlement account of Andromeda LLC, minus the amount of remuneration; — 04/13/2017 an individual buyer returned a suit (1 piece), paid for by bank card, in the amount of RUB 23,600.00; — On April 17, 2017, the organization provided services in the amount of RUB 100,000.00. (including VAT 18%), which were paid by the buyer by payment card; — On April 18, 2017, the acquiring bank credited the bank account of Romashka LLC with funds minus the amount of remuneration and the amount transferred to the buyer when returning the goods.

Retail sales of suits are reflected in the document Retail Sales Report (Sales section) with the transaction type Retail Store. On the Products tab, the goods sold to retail customers per day are indicated: their product range, quantity, price and amount (five suits for RUB 23,600.00, including 18% VAT).

By default, all payments are considered cash. If during the day payments were made with payment cards, bank loans or gift certificates, then you must fill out the Non-cash payments tab (Fig. 1).

Rice. 1. Non-cash payments in the retail sales report

On the Non-cash payments tab, in the Payment type field, indicate the type of payment from the directory of the same name and the amount of non-cash payments per day - RUB 47,200.00. The following details must be indicated in the form of the Payment Types directory element (Fig. 2):

• payment method - Payment card;
• information about the acquiring bank: agreement, settlement account, amount of bank commission.

Rice. 2. Type of payment

If there are several payment options from customers, retail revenue is reflected in the intermediate account 62.Р “Settlements with retail customers”, after which it is distributed according to payment methods.

After posting the document Retail Sales Report dated April 10, 2017, the following accounting entries will be generated:

Debit 90.02.1 Credit 41.01 - for the cost of suits sold (RUB 80,000.00); Debit 62.R Credit 90.01.1 - for the amount of proceeds from the sale of suits (RUB 118,000.00); Debit 57.03 Credit 62.R - for the amount of payment by payment cards (RUB 47,200.00); Debit 50.01 Credit 62.R - for the amount of cash payment received (RUB 70,800.00); Debit 90.03 Credit 68.02 - for the amount of VAT (RUB 18,000.00).

For the purposes of tax accounting for income tax, the corresponding amounts are also recorded in the resources Amount NU Dt and Amount NU Kt for accounts with a tax accounting attribute (TA). Since, according to the conditions of Example 1, there are no differences between accounting and tax accounting, we will not mention these resources in the further description.

An entry is entered into the Sales VAT accumulation register reflecting the accrual of VAT payable to the budget to create a sales book for the second quarter of 2021.

We will generate a document Receipt to the current account dated 04/12/2017 with the transaction type Receipts from sales on payment cards and bank loans. Minus the amount of remuneration, the acquiring bank transfers funds to the organization in the amount of RUB 46,256.00. (47,200.00 - 2%). If the document is not downloaded from the “Client-Bank” program, but is entered manually, then in the Amount of services field you need to indicate the amount of the bank’s commission (944.00 rubles).

After posting the document, the following entries are entered into the accounting register:

Debit 51 Credit 57.03 - for the amount of funds received from the acquiring bank (RUB 46,256.00); Debit 91.02 Credit 57.03 - for the amount of remuneration withheld by the acquiring bank (944.00 rubles).

The buyer returns one suit on April 13, 2017. The document Return of goods from the buyer can be generated based on the document Retail Sales Report dated April 10, 2017.

On the Products tab, the tabular part needs to be adjusted so that only the returned suit in the amount of RUB 23,600.00 is indicated there.

Despite the fact that the sale was carried out at retail, where analytical records of counterparties are not kept, when processing a return you should pay attention to the following points:

• in the header of the document you must indicate the name of the counterparty and the agreement with the counterparty. To simplify accounting, you can specify an abstract individual and an abstract agreement with him as a counterparty (for example, Retail sales);
• on the Settlements tab, account 62.01 “Settlements with buyers and customers” and account 62.02 “Settlements for advances received” are indicated as accounts for settlements with customers (and not auxiliary account 62.R).

The fields Cash receipt order No. and from are not filled in, since the refund to the buyer will be made to his bank card, that is, by non-cash method.

After posting the document Return of goods from the buyer, the following entries are entered into the accounting register:

REVERSE Debit 90.02.1 Credit 41.01 - for the cost of the returned suit (-16,000.00 rub.); REVERSE Debit 62.02 Credit 90.01.1 - for the amount of proceeds from the sale of the returned suit (-23,600.00 rub.); REVERSE Debit 90.03 Credit 19.03 - for the amount of VAT (-3,600.00 rub.).

In the postings to accounts 62.02 and 19.03, the individual buyer is indicated as the counterparty.

In addition to the accounting register, an entry is entered into the VAT register presented with the type of movement Receipt.

To reflect the transaction of transferring funds to the buyer to the card, we will create a document Payment card transaction with the type Return to buyer (Fig. 3). It is convenient to create a document based on the document Return of goods from the buyer.

Rice. 3. Payment card transaction

As a result of posting the Payment Card Transaction document, the following transactions will be generated:

Debit 62.02 Credit 57.03 - for the amount of return of funds to an individual (RUB 23,600.00).

Settlements with an individual can be viewed by generating the Account Card report for account 62.02 and setting the selection for the counterparty Individual. The report clearly shows that on April 13, 2017, the buyer returned goods in the amount of RUB 23,000.00. On the same day, the bank was instructed to return the money to the buyer’s card. Thus, the organization’s debt to the buyer is repaid. In other words, at the time of the chargeback operation, the organization’s debt to the retail buyer is transferred to mutual settlements with the acquiring bank.

The provision of services to individuals is also reflected in the document Report on Retail Sales dated April 17, 2017.

On bookmarks:

• Goods - indicates the cost of the service sold to a retail buyer (RUB 100,000.00);
• Non-cash payments - type of payment and amount of non-cash payments per day (RUB 100,000.00).

After posting the document Retail Sales Report dated April 17, 2017, the following transactions will be generated:

Debit 62.R Credit 90.01.1 - for the amount of revenue from the sale of services (RUB 100,000.00); Debit 57.03 Credit 62.R - for the amount of payment by payment cards (RUB 100,000.00); Debit 90.03 Credit 68.02 - for the amount of VAT (RUB 15,254.24).

An entry is entered into the Sales VAT accumulation register reflecting the accrual of VAT payable to the budget to create a sales book for the second quarter of 2021.

On April 18, 2017, the acquiring bank transfers funds to the organization minus the amount of remuneration (RUB 2,000) and minus the amount returned to the buyer (RUB 23,600.00), that is, a total of RUB 74,400.00.

We will generate a document Receipt to the current account with the transaction type Receipts from sales on payment cards and bank loans in the amount of RUB 74,400.00. In the Amount of services field, you need to indicate the amount of the bank commission (RUB 2,000.00).

After posting the document, the following entries are entered into the accounting register:

Debit 51 Credit 57.03 - for the amount of funds received from the acquiring bank (RUB 74,400.00); Debit 91.02 Credit 57.03 - for the amount of remuneration withheld by the acquiring bank (RUB 2,000.00).

Let's create a balance sheet for account 57.03. The absence of a balance on account 57.03 indicates the complete completion of settlements with the acquiring bank.

To claim input VAT on returned goods for deduction, you must create a document Creating purchase ledger entries (section Operations - Regular VAT operations).

Data for the purchase book on the amounts of tax to be deducted in the current tax period must be reflected on the Purchased assets tab.

As a result of posting the document, an accounting entry is generated:

Debit 68.02 Credit 19.03 - for the amount of VAT accepted for tax deduction (RUB 3,600.00).

An entry with the type of movement Expense is made in the VAT accumulation register presented. To create a purchase book for the second quarter of 2017, an entry is made in the Purchase VAT accumulation register.

1C:ITS For step-by-step instructions on recording transactions involving the transfer of funds to the buyer’s bank card when returning goods, see the “Handbook of Business Transactions. 1C: Accounting 8" in the "Accounting and Tax Accounting" section. For information on accounting for VAT in transactions for the return of goods from customers in retail trade, see the reference book “Accounting for Value Added Tax” in the “Accounting and Tax Accounting” section.

Responsibility for non-use of cash registers

Responsibility for violation of the law regarding the mandatory use of cash registers is established by the Code of Administrative Offenses.

The violator pays a fine. The amount depends on how much revenue the organization received that was not passed through the cash register. Both the organization itself (or individual entrepreneur) and the cashier who did not punch the check are fined.

So, the cashier will pay a fine of 25-50% of the proceeds that he did not clear through the cash register (minimum 10 thousand rubles), an organization or individual entrepreneur will pay a fine of 75-100% of the revenue (minimum 30 thousand rubles).

In the event of a repeated violation (failure to carry out transactions through a cash register) and if the revenue amounted to more than one million rubles, the company’s activities are suspended for up to three months.

Sign of payment in a cash receipt - what are they?

After the adoption of the new law on cash registers and the transition to online cash registers, a new check format came into force, and checks began to be presented not only in paper, but also in electronic form. The first type is mandatory, and the second is issued at the buyer’s request.

Checks, regardless of their type, must contain:

• Data of the seller organization;
• Serial number of the check;
• Tax system of an organization or individual entrepreneur;
• Settlement transaction amount;
• Date and time the check was created;
• Calculation sign;
• Fiscal storage data, operator and other information.

Discount on annual technical support of the cash register

Servicing the cash register for 1 year with a benefit of 3600 ₽ on the “Standard” and “Maxi” tariffs.
Technical support includes consultations on the operation of the cash register. Find out details

When is the money returned to the card?

By law, the seller is obliged to pay funds for the returned goods no later than 10 days after the buyer’s request. But this is in case of payment in cash. When paying by card, the return period for objective reasons may take more than a month. The procedure is carried out in several stages:

The store accountant submits the return application to the bank that services customer cards.

Bank employees check and register the received document, and then send it for execution.

The contractor transfers the amount specified in the application to the account of the bank that issued the card to the buyer.

The bank that receives the funds transfers them to the client’s individual account.

The speed of each operation depends on many factors, so accurately calculating the date of receipt of money is problematic.

How to make returns via online cash registers: step-by-step instructions

Returns are processed differently depending on the reason for the return.

Same day refund via online checkout (seller error)

If, when issuing a check in front of the client, the cashier made a mistake in the number of units of goods or the price being punched does not correspond to the one recorded on the price tag, then a “Return of Receipt” check is first generated, and then a new check with the correct data. It is the cashier who returns it to the buyer and compensates for the monetary difference. No documents are required from the buyer.

However, the legality of the return must be confirmed by the tax office. Therefore, the cashier draws up a memo in which he writes which particular check was issued incorrectly, and confirms that 2 more checks were immediately printed - “return of receipt” and new receipt. It is necessary to attach both the incorrectly printed check and the “return of receipt” check to the note.

If you are interested in how to make a refund through an online cash register as quickly as possible, we recommend paying attention to the Evotor 5 smart terminal. Thanks to the touch screen, intuitive interface and Android operating system, it is now much easier to carry out standard operations when working with an online cash register, which means that with Evotor 5 you can significantly speed up the customer service process.

If the buyer wants to return the product in full, then the procedure is the same as if the buyer came in a week.

Refund to the buyer at the online checkout (the buyer returns the goods)

It happens that the buyer wants to return the product and get back the money paid for it. There may be several reasons: an incorrectly chosen size (if we are talking about clothes), the buyer changed his mind, a defect, etc. Regardless of when the buyer went to the store to return the purchased item (after a while or on the day of purchase), the return goods at the online checkout should go through the following algorithm:

How to make a correction check and when is it used?

The correction check is processed if the cashier made a mistake on the check and the buyer has already left; if at the end of the day the total receipts in the cash register do not match. Adjustments can be made either to increase or decrease funds.

What data is contained in such a check:

sign, here is a correction check;

check transaction type;

correction amount;

payment type;

and other information.

Such checks can be punched only before the shift is completed and the Z-report is generated.

On the left you see an example of a correction check.

When issuing a correction check, a special act is drawn up indicating the reason for the correction.

At the online checkout, it is recommended to make a correction check only if you find more money than needed. If the revenue is less, i.e. there is a shortage, the check does not go through.

Read more: Correction check at online cash register

Why can't I return it in cash?

IMPORTANT
The Tax Service prohibits organizations engaged in trading from paying money for the return of a purchase in cash if it was made using a bank card.

Federal Law No. 54 “On the use of cash register equipment when making cash payments and (or) payments using electronic means of payment” provides the procedure for payment relations between the buyer and the trading organization. It follows from this that settlements with clients must be made to the account of the bank card from which the payment was made based on the return receipt. If a tax audit reveals violations related to misuse of funds, sanctions in the amount of 50 thousand rubles will be applied to the store.

Attention

In paragraph 3 of the Official Explanation of the Central Bank of the Russian Federation dated September 28, 2009 No. 34-OR and in paragraph 1.8 of the Regulations of the Central Bank of the Russian Federation dated December 24, 2004 No. 266-P it is stated that the seller does not have the right to pay money from the cash register as a refund to the buyer who purchased the goods using a bank card. The written agreement between the bank providing services for servicing cashless payment terminals and the store clearly states this condition and the latter will not violate it to please the wishes of the buyer.

The money hasn’t arrived or is taking a long time to come back – what should I do?

Although the return process is lengthy, it is worked out and regulated by law. However, sometimes circumstances still arise in which money does not arrive on time. As a rule, this is a consequence of some systemic failure in the bank.

There is no need to rush to file complaints. You can first try to solve the problem by communicating with employees of the financial institution itself. Before this, it is advisable to check with the store whether the application for transferring money to the bank has been submitted.

The further procedure is as follows:

• prepare your passport and card (you may need it when communicating with a specialist);
• call the support service at 900;
• Check with the operator the status of your request/application.

If a clear answer has not been received, go to the bank branch. This is where an internal bank document for a refund, a sample of which is given above, may come in handy.

If these steps do not lead to anything, do not hesitate to contact Rospotrebnadzor and/or the court. For investigations, you will need an act of return of goods.

.

Buyer's rights and Law No. 2300-1

With regard to the relationship between buyers and sellers, the main source of information is the Law of the Russian Federation of February 7, 1992 No. 2300-1

(last edition dated July 29, 2018) “On the protection of consumer rights.”

It states, in particular, that the buyer has the right to return the purchased product within two weeks from the date of purchase - if we are talking about non-food items. If the situation is related to food products, it is returned when a violation of the expiration date or storage rules is discovered. This is recorded in Article 25 of the Law.

Important! In Art. 25 also establishes the consumer’s right to demand the return of funds spent on purchases. Moreover, the requirement must be satisfied before the expiration of three days from the date of return of the defective product.

Note 1.

The twenty-fifth article can be viewed at this link. The entire act is available for study here.

In addition, another point is connected with the right to return your money - the warranty period

goods. Within its limits, you can send what you purchased back to the store and, again, get your money back.

Note 2.

The buyer himself must contact the seller directly for these reasons, especially if we are talking about using a bank card. If the problem is resolved normally, the money will be transferred by the store to the card account.

How much money will go to its owner depends on many factors. For example, the seller may refuse a transaction if there are grounds to believe that the item sold has become unusable due to the actions of the buyer.

If there are no complaints against the buyer, the money will be returned within ten days

, which is established by law.

What is needed to properly complete the return procedure? The client will need:

• the purchased product itself;
• a completed application (sometimes on a form provided by the store);
• passport (another document that satisfies the consumer’s identity is possible);
• receipt of payment for the item;
• card details.

Note 3.

If a customer does not have a sales receipt, this is not a legal reason for refusing a refund. However, in this case, you need to prove the act of purchase in a different way - for example, with the help of witnesses.

To avoid misunderstandings, it’s easier to take a bank statement

.

Refunding money to the card using the online platform

It will be useful for you to know that when using the online platform of the described banking structure to complete a transaction, the money arrives in the recipient’s account with a delay. Thanks to this feature, if you enter incorrect details and you quickly realize the mistake, you will be able to cancel the money transfer without contacting the banking structure.

READ For what year are subsidies paid to military personnel for the purchase of housing in 2021?

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You need to understand that if you completed a transaction in the evening, then it will be processed only in the morning after the branches of the described banking structure open. In this scenario, you will have enough time to realize your mistake and cancel the payment yourself.

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To cancel a payment yourself, you need to visit your personal account on the online platform and go to the section with completed transactions. If your payment has not been executed, then next to it there should be a “In Progress” status.

You can cancel such a transaction yourself. To do this, you need to right-click on the transaction and select the command that cancels the payment.

Expert opinion

Ilyin Vladislav Denisovich

Practicing lawyer with 8 years of experience. Specialization: civil law. Extensive experience in drafting contracts.

As soon as the transaction is cancelled, a corresponding status will appear next to it, and the money will soon be returned to your payment instrument account.

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It is important to understand that the chances of having your finances returned to the payment instrument account directly depend on how quickly you act.

How is an application completed?

As noted, the seller usually gives the buyer an application form, which is a standard one. To receive it, you must, of course, visit the establishment where the purchase was made. If we are talking about an online trading platform, in most cases there is a link to download the document (see the title at the end of the article for details on this).

Important! The seller cannot refuse to accept the application, because from the moment of the application he has 10 days to resolve the issue. In addition to the application, the store itself draws up an act or attaches an invoice.

The main thing is to clearly understand that all actions are regulated and justified by law.

General procedure

If you are a client of Sberbank and used a card from this financial institution when paying for goods, the procedure for you will be as follows:

• contact the store with a freely written statement;
• attach a copy of the receipt to the document;
• hand over the goods along with the warranty card - in this case, you must draw up a transfer certificate
  ;
• present your passport during the process.

The application shall indicate

Full name, name of the product (taken from the receipt), reason for the request, desired outcome (replacement of the item or refund).

After that, all you have to do is wait for the money to be returned.

Note 4.

This process is universal for all situations – using cards from any bank. The specificity lies in intrabank procedures.

Sberbank application for refund

Sberbank has its own form inside for requesting a refund. What does it contain? It contains the following provisions:

• last name, first name and patronymic of the applying client;
• the type of document provided confirming the identity of the buyer;
• series, number (for example, passports);
• telephone number - necessarily the one linked to the bank card used to make the purchase;
• list of reasons/grounds for filing an application – usually one item is selected;
• the method within which the issue of refund is resolved;
• notification option regarding the seller’s decision on the client’s request;
• location of the transaction;
• day, month, year and time of contacting the banking organization.

It would be a good idea to keep this document in mind in order to avoid delays on the part of the banking institution and if any difficulties arise. Actually, a Sberbank form will be needed if the store sent money, but it did not arrive

– in this case the problem is on the bank’s side.

Note 5. Link to an individual’s Application for a refund.

Contents of the refund process

Many buyers are rightfully indignant at the long time it takes to return their money. The average user thinks simply: replenishing a card account is instantaneous, so why do you have to wait from 10 to 30 days?

In fact, everything is explained not by the simplest design and stages of the procedure:

1. First, the applicant’s application is sent to the store’s accounting department. It is processed and transferred to the bank, which services the POS terminal. Here the delay on the part of the accounting department may be 2-4 days.
2. Next, the bank specialist (after checking the document and processing it) transfers the money to the correspondent account of the bank that is the card issuer and submits the accompanying documentation.
3. At the third stage, the application is processed by an employee of the issuing bank and funds are transferred to the client’s personal account.

Note 6.

If we are talking about a Sberbank card, the process may take much less time. This happens for the reason that sometimes Sber services both acquiring and the plastic itself. This means that all processes will take place only within this institution. Documents do not circulate between organizations, and deadlines are greatly reduced.

How to check a transaction? The consumer has the opportunity to track the movement of funds. To do this, you need to call the store, and then the bank (the issuer of the plastic).

Return period

Banks are required to transfer money to the buyer’s card for returning the goods within thirty days from the date of submission of the application. In practice, commercial banks carry out transfers in a faster time frame, from three to seven days. Sberbank of Russia, as a rule, returns funds much longer, up to 5 weeks.

For your information

The average refund period for an unsuccessful purchase ranges from 3 to 40 days.

The buyer can himself calculate the period during which the funds will be returned to his plastic card. To do this, you need to contact the accounting department of the store where the purchase was made and clarify on what date a copy of the consumer’s request was provided to the bank. Then, from this date, count 40 days.

Normative base

In accordance with Art. 25 of the Law “On the Protection of Consumer Rights” dated 02/07/1992 N 2300-1 (as amended on 05/01/2017) and part 2 of Art. 502 of the Civil Code of the Russian Federation, the buyer has the right to request the exchange of a new item of proper quality, but not meeting the following characteristics:

Attention! If you have any questions, you can chat for free with a lawyer at the bottom of the screen or call Moscow; Saint Petersburg; Free call for all of Russia.

• form;
• style;
• size;
• colors;
• configurations

IMPORTANT
The exchange must be made for a strictly similar product if it is currently on sale at the point of sale. If the store cannot provide a replacement for an unsuccessful purchase, the consumer has the right to return it and receive his money on the card.

The legislation, in accordance with paragraph 2 of Article 25 of the Federal Law “On the Protection of Consumer Rights,” obliges entrepreneurs to satisfy the buyer’s demand for reimbursement of the amount paid for a quality item that did not meet certain criteria within three days.

For your information

If the item turns out to be defective, then, as follows from Article 18 of the above-mentioned law, the seller is obliged to reimburse the buyer if he filed a written claim. In this case, Art. 22 of the Federal Law “On the Protection of Consumer Rights” gives the entrepreneur 10 days to satisfy the consumer’s request.

According to Federal Law No. 54 of May 22, 2003 “On the use of cash register equipment when making cash payments and (or) payments using electronic means of payment”, you can receive money for a purchase purchased by non-cash method only to the bank card with which the payment was made payment. The basis will be the return receipt. It will be illegal to issue the purchase amount in cash.

Attention

In practice, the money used to pay for the goods can be returned to the card within 30 days. The procedure for transferring funds to the client’s card is determined in a written acquiring agreement between the bank and the retail outlet.

The seller, within the time limits provided by law, provides an application and a return certificate to the bank. The time it takes to fulfill a buyer’s request depends not only on the store’s accounting department, but also on the work of intermediary financial organizations.

How to process a refund using online cash registers if the purchase was made by bank transfer.

The procedure for returning a non-cash payment via an online checkout is not fundamentally different from that which is carried out if the buyer pays in cash. First, the client fills out an application, including standard information plus details for a cashless transfer. Then an invoice is prepared and a receipt “return of receipt” is printed. Within ten days the funds will be credited to the buyer's account.

As a rule, the buyer is recommended to keep all the paperwork and receipt issued for return. If the money does not arrive in due time, then you need to contact the bank whose card holder you are and present these documents.

If the store refuses a return

Store workers do not like it when they are asked to take back purchased goods. Be prepared for them to find many compelling reasons to refuse you.

Stand your ground: you have the right to return the purchase and receive the money paid. Demonstrate knowledge of the laws, mention Rospotrebnadzor - sometimes this has a magical effect on irresponsible sellers.

If you categorically refuse to accept the goods and return the money, make a written claim and hand it to the store administrator. If there is no response within the 10-day period established by law, the authorities responsible for the protection of consumer rights will have to be involved in solving the problem.

If you think you need professional support, please contact us. Our lawyers will provide qualified assistance at any stage of the proceedings.