How to take into account the bank commission for merchant acquiring. Accounting entries for acquiring transactions
Almost every adult is bound by loans, mortgages and other debt obligations, their monthly payments take up a sufficient amount of effort, because you need to get to an ATM or bank branch, prepare money in advance or look for an opportunity to withdraw it from a card, stand in lines or understand confusing instructions for payment. Not so long ago, another option was added to the services of the Mobile Bank - the ability to pay for a Sberbank loan. This was another good news for regular customers, because now the payment of the debt takes only a few minutes and requires only a mobile phone. How to do this - now we will tell you in more detail.
With Mobile Banking
This service is available only to those customers whose card is issued in the same branch of Sberbank as the loan, this is important! Otherwise, you will not be able to pay via SMS.
In addition, myself the loan must be with a differentiated payment.
Naturally, the bank card must be connected to Mobile bank(how to do this, read).
The main thing when using the Mobile Bank is to carefully send messages with all the details, double-check them and read the instructions that come in response SMS messages. In most cases, this is sufficient.
If all conditions are met, then a message of the following form is sent to the general short number 900:
CREDIT account number amount card number
- CREDIT is a mandatory request word, it can also be written in Latin letters.
- Account No. – account number, consisting of twenty digits, which is specified in the loan agreement.
- amount is your monthly fee.
- card number – last numbers.
For example:
CREDIT 12345678912345678912 25000 1234
In the event that you did everything correctly and the payment is made, your number will receive a message from a bank of this type:
Via SMS
Similarly, you can pay credit debts or inquire about their availability.
This service is available only to those customers whose card is issued in the same branch of Sberbank as the loan, and at the same time it is with a differentiated payment.
If you want to know your debt, then a message is sent to number 900 with the following text:
CREDIT Account No. Card No.
- CREDIT is a mandatory query word, you can use the Latin word instead
- Account No – account number, consisting of twenty digits, which is specified in the loan agreement
- card number – last figures
For example:
CREDIT 12345678912345678912 1234
If there is a debt, the bank will respond with the following message:
In this message, for security purposes, the bank offers to use a confirmation code that must be sent in a response SMS. In addition, be vigilant and know that Sberbank never sends any messages about the cancellation of operations!
If your payment was successful, Sberbank will respond as follows:
Remember that all SMS messages to number 900 are charged in accordance with the tariffs of your telecom operator and are not free.
Repaying a loan through the Mobile Bank is a fairly simple and quick operation that does not require any additional efforts - there is no need to look for ATMs, bank branches, stand in lines, there is even no need to connect to the Personal Account in Sberbank Online. To do this, it is enough to know the number of your loan agreement and have a mobile phone with a constant signal. In the modern pace of life, such services allow you to save time and effort and spend them on more important things. And if you also connect Auto payment, then these moments will fly by unnoticed and unobtrusively, because payments will be made automatically.
To create a flawless credit history It is extremely important to pay your credit obligations on time. If the money to pay the loan is prepared and lies on debit card, there is nothing easier than sending them to a debit account. There are many ways to do this, and we will definitely mention them, but we will pay special attention to how to pay a Sberbank loan through Mobile Bank.
Mobile devices are always with us. Some do not part with them 24 hours a day. It is no wonder that various mobile applications have conquered a huge market in a matter of years. More financial transactions is done using banking mobile applications, and Sberbank is trying to get ahead of its competitors in all respects. Developed within PJSC Sberbank A mobile bank allows you to perform hundreds of different operations, including paying a loan at Sberbank and generally at any other bank. How to do it?
- Sign in to Mobile Banking.
- Find the "Loans" section and enter it.
- A list of your loans will appear. Choose the one you want to pay.
- We find the interactive button "Pay the loan" and click it.
- Next, indicate the amount of the payment and the card from which you want to debit the money.
- We check the correctness of the data entered and confirm the financial transaction.
Payment for a Sberbank loan is carried out without a commission, but when paying for loans from third-party banks, a commission of up to 5% can be charged.
Paying through a self-service device
Pay a loan to another bank online through mobile app Sberbank is very simple, but not everyone has this application installed, and Sberbank ATMs are very common, and finding such an ATM is not difficult. We approach the ATM, insert the card with which we will pay the loan and enter the pin code.
Next, we get to the main menu, where we have to select the "Repayment of the loan" section. After that, we get to a page where you need to enter data about your loan. If you take a loan from Sberbank PJSC, it will appear on your ATM screen, if you have a loan from another bank, you will need to enter a twenty-digit account number, after which the device will display the loan data. Click "Next" and get to the payment page, where you need to specify how much money you need to pay.
At the next stage, the system will offer to withdraw money from the card or pay in cash if the ATM accepts this cash. Confirm the operation and without fail print out a check. We pick up the card and go about our business.
Automatic payment
In some cases, people turn into "malicious non-payers" due to their phenomenal absent-mindedness and forgetfulness. They often forget about one loan, and if there are 5 of these loans, then there is nothing to say. How to be? Train your memory? Of course, memory training is a good thing, but you can solve the problem in another way, for example, by connecting Autopayment. What kind of service is this, and what advantages does it give to payers of several loans?
Auto payment, as the name suggests, is a service for the automatic repayment of user-defined obligations. On the right date cash will be debited from the card automatically and transferred to a credit account. Why is this service worth joining?
- The client does not need to remember when he needs to pay the loan, the main thing is to leave the required amount on the debit card, and the system will write it off when necessary.
- Funds are debited from minimum commission(for a loan from another bank 1%) or without it.
- If you have a Mobile Bank connected, the system will notify you by phone about all upcoming and completed transactions by the Autopayment service.
- This service can be connected by any client of Sberbank absolutely free of charge.
Not everyone is ready to trust technology in such a sensitive issue as paying a loan, but it must be said that in the event of a failure in the Autopayment service, the client can easily prove that the loan payment failed not through his fault, but through the fault of the service. If you are interested in Autopay, connect it and start using it, most likely you will like it. You can connect Autopayment: in the Sberbank Online system, at any branch of Sberbank, through the Mobile Bank application, through a Sberbank self-service device.
So, we figured out how to pay off your own loan using the Sberbank phone application. It's not difficult at all, you just need to understand a little, of course, with our help. Good luck!
It should be noted right away that it is possible to pay a loan using this service if there is a technical possibility in the given region. Clarify this information can be from bank specialists. To pay the required amount, personal card Sberbank using " mobile bank”, it is necessary to send a message to a special number 900. The message format is as follows: “Loan account number credit 09876543210987654321 2500”, where the first set of numbers is the account number that can be found in the contract, and the second set is nothing but the amount.
There are some restrictions when repaying a loan using this service. Firstly, both the loan account and the card account must be in the same territorial bank. Secondly, you can repay a loan only if it has a differentiated form. Thirdly, in foreign currency can only be repaid if the user is a borrower, co-borrower, beneficiary or pledger. If all these points are met, an SMS notification will be sent to the payer's phone number.
Loan payment procedure
It should be noted right away that this service is available only in territorial banks and only with appropriate collateral.
- The payment plan looks like this:
- Sending an SMS message to the bank to complete the operation of repaying an existing loan;
- Delivery of a response SMS message from the bank, which contains the transaction confirmation code with all relevant details.
Confirmation of the operation by sending an SMS message to the "mobile bank".
The procedure for making a loan payment using the "mobile bank" service in case of debt is as follows:
“Credit loan account number 0876543210987654321 4500”, where the first part of the numbers is nothing more than the number of the loan account of the agreement, which can be found in the agreement, and the second part of the numbers after the gap is the amount paid by the payer. If the payer has several cards, it is necessary to indicate the last 4 digits of the card on which money should be deposited. If necessary, the parameters in the message can be separated by the following characters: "#", " ", "-", ".".
There are certain restrictions on the payment of existing debt using the mobile banking service.
- Loan account and bank card must be within the same territorial bank;
- Only persons who have a loan open in a differentiated form of repayment have access;
- Debt repayment in foreign currency is allowed only for the borrower's client, guarantor, mortgagor or co-borrower; in other cases, payment at Sberbank is not possible;
- If a debt is found with a client, Sberbank sends an SMS code using the mobile bank service, which must be saved;
- Then it is up to the client who needs to pay the debt after a certain period of time after the ATP notification with the code from the bank by sending a response ATP message with the code to a special number 900.
- Upon successful completion of the operation, the bank will send a message containing all the payment details.