State employees are required to switch to Mir salary cards of the Russian payment system no later than June 30, 2018. Let's talk about the Law of 05/01/2017 No. 88-FZ, which introduced cards for state employees, which can be found on the official website, where to apply and receive, as well as the pros and cons of the Mir card.
Not all funds are credited to the Mir national payment cards, but those that are included in a limited list:
If the institution has retired employees, they will receive new card both pension and salary.
Check the current employee payroll service contract. The subject of the contract must indicate "World". If it is not in the list of types, conclude an additional agreement or renegotiate the contract with the bank. Schedule this work so that by July 1, 2018, all employees have new cards in their hands.
Mir is a Russian national payment system, which was created by the Government of the Russian Federation in the summer of 2014 as an alternative to Visa and MasterСard. The system was developed for national security. These cards differ in that they are not subject to foreign policy factors such as international sanctions. The holder can be sure that it will not be blocked at the initiative of foreign states. The action of the Mir map covers the entire territory of Russia, including Crimea.
Banks began issuing new Mir cards to state employees.
From July 1, 2018, all employees of public sector institutions will receive salaries only on cards of the national payment system.
An adviser to the head told how to organize the transition and what to answer the questions of employees Federal Treasury Julia Kamardina in .
Why are they transferring to the World map? Law No. 88-FZ dated 05/01/2017 obliges banks to work only with the national payment system to transfer salaries of employees of state and municipal institutions, pensions and scholarships. That is a plastic card The world is required.
Debit cards for cash payments will be replaced by the Federal Treasury with Mir in stages. But from July 1, 2018, according to the Law on the world card, OFCs will issue only them for working with cash.
Switching to the World map is a requirement of the law.
Is it necessary to change the map to the World?
Yes. If the state employee does not transfer to the Mir card, the money that the institution transfers to another card, the bank will take into account as unexplained receipts. To prevent this from happening, from July 1, 2018, give out salaries to objectionable employees in cash at the checkout. If the institution does not work with cash, the employee will collect his salary at the bank's cash desk, where he has an account that is linked to the Mir card.
Each person can apply for a card on their own or receive it as part of a salary project. Let's consider both options.
1. Where to apply for a World card, the employee decides on his own. He has the right to choose a bank to receive his salary. The institution is not entitled to impose a new card precisely within the framework of the salary project. But in this case, the employee will pay for the opening and maintenance himself.
First, check with the bank. In December 2017, 374 banks became participants in the national payment system of the Mir card. But only 146 cards are issued. Among them are Sberbank, VTB, RNCB, Gazprombank, Moscow credit bank, Raiffeisenbank, Rosselkhozbank, Avangard, Otkritie, Vozrozhdeniye, Promsvyazbank, Tinkoff, etc. After you have chosen a bank, contact the customer service and apply for issuance and issuance according to the bank's rules.
Annual service fees vary from bank to bank. For example, the VTB website says that Mir salary cards are serviced free of charge. RNKB also offers to open and maintain for free. Sberbank on its website offers a tariff of 750 rubles. in the first year and beyond for 450 rubles. classic card Visa for Sberbank customers costs 750 rubles. annually.
2. As part of the salary project, the Mir card is drawn up by the employer. It happens like this. Applications are collected from employees for obtaining a card "in the form agreed by the institution and the bank with which it cooperates. Further, the accountant (another authorized employee) forms an electronic register of employees for issuing Mir cards and sends it to the bank. When the bank reports that the cards are ready, the institution will notify the staff and explain how to get a new card. Most likely, bank specialists will come to the institution and issue cards on the spot.
After the employees receive Mir, the employer will collect applications with a request to transfer all payments to a new personal account. New Bank details needs to be reflected in employment contracts.
Using the card as part of a salary project is profitable and convenient. First, you do not need to pay for card maintenance. Secondly, you do not need to personally go to the bank and submit documents - this is organized by the employer.
Is it true that from July 1, 2018, employees budget institutions may receive wages exclusively on MIR bank cards? Visa and mastercard cards are no longer suitable? Does this mean that it is necessary to receive the MIR card before July 1 and transfer it to the accounting department? Answers follow.
Workers public sector are those who work in public institutions. These include organizations that are created by public authorities. These organizations perform functions of a non-profit nature. For example, socio-cultural, scientific and technical functions. These include healthcare workers, education workers, cultural workers, civil servants, etc. This definition gives a general idea of this category of workers. The main idea - the source of funding for their work - is the budget (state or municipal).
There is an article 30.5 federal law dated June 27, 2011 No. 161-FZ “On the national payment system”. Part 5.3 of this article provides for a phased transition to the “MIR” map, for example:
Salary projects of state employees, indeed. should be translated into bank cards"Mir" from July 1. After all, according to the amendments to the Law on the National Payment System, from July 1, 2018, credit institutions must use only the MIR national payment card for transactions with the following payments:
If the employee does not conclude an agreement and does not provide the MIR card data by July 1, 2018, then the budgetary institution will not be entitled to transfer his salary to a card of another system (for example, to VISA or Mastercard) from July 1, 2018. Therefore, if you do not bring the MIR card, then from July 1, 2018 you will have to receive a salary in cash at the box office.
Hello dear friends. The appearance of the "Mir" card shook up the situation on the market.
Especially the decision to gradually transfer the public sector to these cards. My aunt works in a budgetary organization and still could not deal with this issue.
She constantly asked me about the specific time frame for the transition to the Mir card for state employees.
Not only for her, for many people this question remains unanswered. I will give specific information on the Mir card for state employees. Let's get acquainted.
Public sector employees, pensioners and recipients of a number of social payments in the Russian Federation will soon use Mir payment cards exclusively.
The corresponding bill was adopted quite recently by the State Duma of the Russian Federation and published on the official website. What do such changes imply? What will Russian state employees face and what will they gain by using the domestic card? banking system Let's take a closer look at what's new.
After the aggravation in 2014 of international banking relations in order to ensure maximum financial security and minimize the economic risks of subjects in banking The Russian Federation developed a separate payment system, called " National system payment cards” (NSPK).
The payment innovation was intended to become an alternative transaction processing center in Russia, and, in the future, the creator of new payment cards with their further popularization among Russian users of banking products.
A new tool for making national payments, created in December 2015, was called the Mir national payment card. The work of the Mir payment card is in no way subject to political and economic influence from the outside, while the card is responsible international standards, and this factor has allowed it to become an effective alternative to Visa and Mastercard, the world's most popular payment systems.
At the moment, the Mir card is available in standard debit, credit and premium versions. Depending on this category, the amount of the financial limit available to its holder is set on the card.
Switching to the use of the national card in financial transactions since the end of 2015 has happened quite quickly, and as of the end of April 2017, 353 Russian banks have already become participants in the Mir payment system. Law on the mandatory transition of state employees to Mir bank cards from July 1, 2017.
Warning!
The mandatory phased transition of state employees to Mir bank payment cards is regulated by a new law, which was adopted by the State Duma of the Russian Federation on April 21, 2017.
The innovations mentioned in the document provide for the transition to the use of the instrument of the national payment system from July 1, 2017 for all categories of public sector employees, the military, as well as recipients of social benefits.
According to the new law, the process of transferring users to national cards will last 12 months and must be completed before July 1, 2018. The category of pensioners became an exception: the period of the “card” transition for recipients of such payments will last until July 1, 2020. Pensioners will be able to get a card and use the service absolutely free of charge.
To implement such actions Russian banks By July 1, 2017, we have already committed ourselves to organizing the acceptance of Mir payment cards in absolutely all ATMs and self-service terminals.
Attention!
The draft law also emphasizes exceptions for which the transition to Mir is optional: this category includes state employees living abroad, employees of consulates and diplomatic bodies and representative offices outside the Russian Federation.
It will not be necessary to open the Mir national card for entrepreneurs whose income for the calendar year does not cross the line of 40 million rubles, as well as for those who receive one-time benefits no more than once every 12 months.
The Mir national bank card has a number of competitive advantages, however, users also complained about the inconvenience of making transactions. Let's take a closer look at its advantages and disadvantages. Let's start with the "pros":
Along with the obvious "advantages" for their holders, Mir bank cards lose to their international counterparts in the following positions:
Despite the constant expansion of the geography of using Mir payment cards, a financial transaction can only be carried out at points and stores (online and offline) where this national system is supported.
source: http://site/bs-life.ru/finansy/banky/karta-mir.html
From July 1 of this year, all banks in the country will begin issuing Mir cards to citizens who apply for opening an account for the first time and receive funds from the budget. The innovation came into force after the signing by President Vladimir Putin on May 1 of the law on the mandatory implementation of operations on the accounts of individuals receiving payments Money from the state budget, through the Mir payment system.
For other employees of the public sector, as well as for citizens receiving scholarships and pensions, a deadline has been set for the transition to servicing by credit organizations using Mir cards until July 1 of the next year.
Citizens of retirement age have been allocated three years for these purposes and the term expires in July 2020. The relevant law on the start date for the phased transition of these population groups to the new cards was adopted by the State Duma on April 21.
Advice!
Merchants who receive revenues of more than 40 million rubles annually will have to ensure the acceptance of this payment instrument from October of this year. State employees permanently residing outside the country, as well as persons working in diplomatic missions, consulates and representative offices of the Russian Federation in organizations outside the country, are not subject to these rules.
In accordance with the document, it will also remain possible to receive the above payments simply in cash or on other cards not linked to payment cards. bank accounts. For residents of the Russian Federation who are on pensions, the procedure for obtaining and servicing the card will be completely free.
For example, in Sberbank of Russia for other clients in the first year of service, the fee will be 750 rubles, and then it will decrease to 450 rubles. From the first days of July banking institutions must be fully equipped with technical devices and ATMs for settlements and various operations with Mir cards.
The government also has the opportunity to establish a list of other payments that must be transferred to the Mir card, but only subject to agreement with the Central Bank. It is planned to expand the list of participants in the NSPK (National Payment Card System).
According to the document, a number of foreign banks and international financial institutions and Vnesheconombank. The innovation will also introduce changes in the regulation of relations in the payment sector, as a result of which absolute criteria of systemic and social significance will be replaced by relative ones, which will allow taking into account exchange rate fluctuations, as well as seasonal, industry activity.
The first such cards were issued in December 2015. As of the end of last month, Mir cards were issued about five million pieces. The NSPK was created in 2014 as a result of the US sanctions policy towards Russian banks.
It is quite simple to issue a Mir card, you will need to come to the bank branch with documents, and after reading the conditions and filling out the questionnaire, you can pick up your order. It also provides for placing an order through the Internet resource of Sberbank.
Warning!
When compared to a similar international system with the Mir card, then servicing the latter will be much cheaper. After a number of problems with Visa, MasterCard, Momentum cards, which arose due to the difficult international situation, many Russians found themselves unable to manage their funds.
In the case of Mir cards, there will be no such problems, since the operation of this tool does not depend on external circumstances. Also, a lot of attention is paid to the safety of the product, the card is equipped with a modern chip of domestic production.
At the end of last month, it became known that negotiations were underway to issue a co-badged card with the cooperation of Mir card operators and MasterCard, Visa, which will be accepted abroad.
It is known that if employees budget organizations do not have time to issue cards, then the appointment budget funds, which will come to such an account without reference to the "Mir" will be considered "unexplained".
Attention!
On the part of the bank, an appeal should be made to the client with an offer of several options: open an account with a Mir card or without receiving a card, as well as simply receive funds in cash. If no action is taken by the client within 10 days, then the money is returned back to the payer.
Experts consider such a period to be quite sufficient for opening an account and issuing a card, especially since a whole 12 months are provided for these purposes, which should be enough for banks to transfer all state employees to Mir cards.
About 70% banking structures already issue these cards and over 90% of terminals and ATMs accept them for withdrawing money. Non-financial services are also being developed with the possibility of integrating social, transport and other applications.
Advice!
At the same time, a sociological survey of residents of the Russian Federation showed that over 70% of citizens did not intend to open a national card, often due to the lack of such a need (25%) and insufficient knowledge of the product (17%). About his plans for the design of this banking product 20% of Russians said, 3% of residents already have a Mir card.
In this way new law will simplify the system of payments within the country and make the economic component independent of the sanctions policy of the EU and America.
source: http://website/www.vladtime.ru/ot-redaktora/570116
State employees must be transferred to the Mir card before July 1, 2018. Russian President Vladimir Putin signed a law on the gradual transfer of state employees and pensioners to Mir payment cards.
According to a document published on official portal legal information, until July 1, 2017, banks must ensure the acceptance of Mir cards in all devices that carry out settlements using payment cards. From this date, when state employees apply for opening a new account, they will be issued a Mir card.
State employees must be transferred to the Mir card before July 1, 2018. Pensioners will be able to replace cards that are not national payment instruments with Mir cards upon expiration, but no later than July 1, 2020.
In turn, small businesses with an annual turnover of 40 million rubles or more will have to purchase terminals to pay for goods and services using the Mir card before October 1 this year. The requirements for the mandatory transition to Mir cards will not affect “one-time” transfers, which, for example, include, for example, tax deductions for personal income tax, cash payments and lump sum payments.
If the client received funds from the budget after July 1, 2018 (or 2020), and the Mir system is not linked to his card account, then the bank considers them as funds of “unexplained purpose”.
Warning!
As stated in the draft instruction of the Central Bank, published last week, the bank is also obliged to inform the client about this and offer him three options: open a new account with a Mir card, open an account without a card, and receive money in cash. If the client does not appear within 10 business days, the bank returns the funds to the payer.
We add that the provisions of the law will apply to the payment of salaries, salaries of employees of state and municipal institutions, pensions and scholarships. Service cards for pensioners will be free.
From July 1, 2017, Mir cards will be issued to all citizens who apply for opening a new bank account, if they receive payments from the budget.
source: http://site/www.topnews.ru/news_id_103074.html
In May of this year, Federal Law No. 88-FZ of May 1, 2017 came into force, providing for a gradual transfer of payments to public sector employees and pensioners to Mir cards.
Cash settlements with state employees must be transferred to new cards before July 1, 2018. The law also obliges a certain circle of sellers to accept Mir cards when paying for goods (works, services) from October 1, 2017. The new rules for BUKH.1C were commented by 1C experts.
Attention!
The Russian payment card "Mir" was created within the framework of the national payment system as an alternative international maps VISA and MasterCard. The first Mir cards were issued at the end of 2015. At the moment, a significant number of banks in Russia issue these cards.
Federal Law No. 88-FZ dated May 1, 2017 “On Amendments to Article 16.1 of the Law Russian Federation“On Protection of Consumer Rights” and the Federal Law “On the National Payment System” adjusted the requirements for sellers (performers of works and services), under which they are required to install terminals for accepting a national payment card.
In addition, the amendments provide for a gradual transition to payments to citizens at the expense of budgetary funds by transferring these payments only to the Mir card.
From 10/01/2017, those sellers (executors) whose revenue from the sale of goods (works, services) for the previous calendar year exceeded 40 million rubles are required to install terminals for accepting payments using the Mir payment card. It is possible not to fulfill this condition in two cases (Article 1, Part 2, Article 3 of Law No. 88-FZ), if:
It follows from this rule: if an organization has several trading facilities, then the proceeds from the sale of products must be determined for each of them. The exemption from the obligation to install a terminal will apply to those facilities in which the mentioned revenue limit is not exceeded.
Advice!
Recall that a building, structure, structure (parts thereof) equipped with equipment for displaying, demonstrating goods, servicing customers and making payments when selling goods is recognized as a trading facility (clause 4, article 2 of the Federal Law of December 28, 2009 No. 381-FZ) .
It is not entirely clear how to apply the new provisions in practice to sellers (performers) who not only sell goods, but also perform work and (or) provide services by taking orders in a retail facility. For example:
We believe that in such cases it is advisable to contact Rospotrebnadzor for clarification. At the moment, sellers (executors) are also obliged to provide buyers with the opportunity to pay with the Mir card.
However, this applies to those entities whose income from entrepreneurial activity for the previous calendar year exceeds 120 million rubles. (Clause 1, Article 16.1 of the Law of the Russian Federation of 07.02.1992 No. 2300-1 “On Protection of Consumer Rights”, Decree of the Government of the Russian Federation of 04.04.2016 No. 265).
Note that the penalties for non-compliance with this requirement have not changed. In accordance with Article 2.4, Part 4 of Article 14.8 of the Code of Administrative Offenses of the Russian Federation:
For the lack of a terminal for servicing international payment cards in a trading facility, sanctions are not applied (see the letter of Rospotrebnadzor dated July 22, 2015 "On clarifying the legislation").
Soon, credit institutions will be required to credit payments to individuals at the expense of budgetary funds only to bank accounts, transactions on which are carried out using the Mir card. The transition to such an order of payments is phased. It starts on 07/01/2017 and must end by 07/01/2020.
However, not all funds will be credited to the Mir card. Their list is limited. Yes, according to the amendments new order crediting of funds applies to (subparagraphs "h" of paragraph 6 of article 2 of Law No. 88-FZ):
Please note that Law No. 88-FZ contains a clause stating that the Government of the Russian Federation, in agreement with the Central Bank of the Russian Federation, may subsequently expand the list of such payments (clauses “and” clause 6, article 2 of Law No. 88-FZ).
Table 1 shows the types of payments from the budget and the deadlines before which an account serviced by the Mir card must be opened in the name of an individual in a bank (another credit institution) in order for the bank to credit funds intended for an individual to this account (clause "in ”, “e”, “h”, paragraph 6, article 2 of Law No. 88-FZ).
source: https://buh.ru/articles/documents/57777/
Is it possible to use the Mir card when making payments in stores? Bank card "Mir" in its functionality is no different from Visa cards and MasterCard. It allows you to perform the full range of necessary banking operations, including receiving and depositing funds, paying for goods and services, transferring funds from one card to another.
The undoubted advantage of the card is the security of payment in offline and online points. To do this, the card has a Russian chip that protects the card from copying, as well as a technology for secure payment on the Internet, similar to 3D-Secure.
What are the terms of service for new cards? An additional factor, which, according to the Bank of Russia, will become an incentive for customers to switch to Mir cards as soon as possible, is a unique loyalty program. It is designed in such a way that participation in it is beneficial for all parties: both holders of national cards, and trade and service enterprises, and banks.
The main share of cash-back will be received by the cardholder, but some of these funds will also go to banks that will be able to earn money on the loyalty program.
Trade enterprises, which will have new customers - holders of the Mir card, will also benefit. Most of the tariffs of the Mir payment system are lower than those of international payment systems. For example, there is no entrance fee for entering the Mir payment system, interbank commissions are on average lower than similar commissions of international payment systems for mass segment cards.
Warning!
Is it true that pensioners and state employees in without fail will be transferred to service using Mir cards? There will be no coercion. People themselves will understand that they must be insured against the influence of external factors. The Mir card cannot be blocked by new banking sanctions from the West due to international instability.
The bill assumes that the right of citizens to choose the method of receiving salaries from the budget and pensions will be preserved. If now a state employee or a pensioner receives payments in cash or to a bank account to which no card is attached, then he has the right to maintain this order.
The start of the mass issue of national payment cards is scheduled for July 1, 2017. They will be received by newly employed employees of budgetary organizations and pensioners who retired after July 1. Existing state employees will be replaced within a year.
For pensioners, the transition is even smoother - after the expiration date of their cards expires. The entire process will be completed by July 1, 2020.
You need to contact one of the banks - issuers of a new payment card and write an application for its receipt. How widespread is this card in Russia and in Novosibirsk? And what are the prospects for its application? The banks issued pilot cards in December 2015; in a little more than a year, the issue reached three million cards throughout the country. A fivefold increase will follow this year.
Already 268 banks have become members of the Mir payment system, 120 accept cards in their devices, and 59 issue them. At the beginning of 2017, 21.5 thousand ATMs and terminals in the Novosibirsk Region service Mir cards.
Attention!
Three quarters of the banks, whose offices are located in the region, are members of the Mir payment system. If in January 2017 residents of the Novosibirsk region used Mir cards almost eight thousand times, in February the number of transactions increased to 15.8 thousand.
The banks of the Novosibirsk region serve at least 1.2 million accounts of public sector employees and recipients of social benefits. One can imagine the prospects for the dissemination of the Mir map.
The Russian National Payment Card System (NSPK) was created in 2014 when there was a threat of shutdown of international payment systems on the territory of the Russian Federation.
To Russian citizens regardless of external factors, they could safely manage their money without obstacles, the processing of all domestic transactions with cards of international payment systems was transferred to the created NSPK. The next logical step in the development of the NSPK was the release of a national payment instrument, which was the Mir card.
05/02/2017, Tue, 13:49, Msk , Text: Valeria Shmyrova
The President of Russia signed a law according to which the payment of pensions, scholarships and salaries of civil servants will be carried out on Mir cards. From July 1, 2017, such cards will be automatically issued to citizens who start receiving money from the budget. Those who already receive payments to other cards must acquire a Mir card by July 1, 2018, pensioners - by July 1, 2020.
President of the Russian Federation Vladimir Putin signed a law on the mandatory use of national payment systems when paying budget funds to individuals. Such payments include salaries of state and municipal employees, scholarships and pensions. The law applies to payments both from the budget itself and from state funds. Banks will use the Mir national payment system to make settlements with state employees.
The bill now approved was submitted to the State Duma in December 2016 by several deputies headed by the chairman of the Duma Committee on financial market Anatoly Aksakov. The new rules do not apply to payments related to income tax deductions individuals. They also do not apply to irregular payments. The list of cases when the use of the Mir card is mandatory can be expanded by the government and the Central Bank.
Those citizens who open an account to receive budgetary payments on July 1, 2017 or later will receive a Mir card automatically. It was originally planned to introduce this practice from January 1, 2018, but later the deadlines were. Those citizens who already have an account for budget payments must acquire a Mir card by July 1, 2018. Pensioners can do this until July 1, 2020. In addition, free card maintenance is provided for pensioners. Citizens will be able to receive the budget money due to them without a card - in cash or to a "cardless" bank account.
Putin obliges banks to use Mir for payments to state employees
Banks should ensure that from July 1, 2017 their ATMs and other devices will be able to accept Mir cards. The card processing fee should be no more than when using other payment systems. In addition, all merchants with an annual revenue of more than p40 million are required to start accepting Mir cards from October 1, 2017. Individual banks have been using this system for a long time. In particular, in September 2016, on the completion of work on integration with the national payment system and the start of servicing Mir cards in ATMs and in the Sberbank trade and service network.
Among other things, the law signed by the president changed the composition of the participants in the national payment system - now they include foreign banks, including central as well as international financial institutions. In the future, Vnesheconombank is planned to be added to this list. These measures should contribute to the expansion of the service area for Mir cards, as well as to make it possible to issue them abroad.
The law signed by Putin amends the rules of the National Payment Card System. The new rules state that 50% of the authorized capital of the system plus 1 voting share must belong to the Bank of Russia. In addition, the company operating the national payment system cannot sell more than 5% of its shares to one person. Previously, this maximum was 10%.
According to the new law, the operating company must notify the Bank of Russia of tariff changes 30 days before they come into force. Previously, this period was 120 days. A justification for the change must be submitted with the notification.
The domestic payment system "Mir" is a Russian analogue of such systems as Visa, Mastercard, etc. The authors of the project initially conceived the "Mir" card not as a purely Russian one, but as a universal one, therefore it is compatible with all technological standards that allow ATMs to read cards various payment systems around the world.
The first issue of cards for work in the Mir payment system in December 2015. Mir is operated by joint-stock company The National Payment Card System (NSPK), created in July 2014 in the wake of the sanctions imposed against Russia. The structure was designed to ensure the technological independence of the country's banking system.
From July 1, new employees and those whose old cards have expired began to receive new bank cards Russian system WORLD. The remaining employees must receive new cards by June 30, 2018. In order for the accountant not to make a mistake when switching to the card, we have prepared an article. It will help you figure out when it is better to transfer salaries to the MIR card and what needs to be done for this. And at the end of the article we will answer the most pressing questions from employees.
Not all funds are credited to the MIR payment card, but only those indicated in a limited list.
Let's list them:
Perhaps in the future, officials will expand this list in agreement with the Central Bank of the Russian Federation. This is stated in subparagraphs. "h", "and" paragraph 6 of Article 2 of Law No. 88-FZ.
The card is not needed for those who receive remuneration under a civil law contract with a state institution.
In fact, the actions of an accountant when switching to a MIR card are the same as when opening cards of an international payment system. To begin with, it is necessary to clarify with the founder the terms in which the institution must make the transition. Since he can set deadlines that differ from the general ones. General terms transition to a new payment card, see the table.
|
Payouts |
Terms |
Deadline for switching to the MIR card |
|
1. Remuneration of civil servants. |
||
|
Account opening date |
||
|
Pensions and other social payments |
||
|
Account opening date |
Employees are then notified of the transition to the new payment system. To do this, the manager issues an order, and the accounting department issues notifications to employees. The order indicates the name of the bank on behalf of which the card will be issued, the timing of the transition and issuance of cards. Next, you should contact the bank with which the institution has an agreement on a salary project, and conclude an additional agreement with it. It sets tariffs for servicing MIR cards.
On a note:
If there are errors in the register, for example, passport data are incorrectly indicated, bank employees will return it for revision. But only for those positions that contain inaccuracies
The next step is that the accounting department compiles a register of employees for issuing payment cards. It can be generated in your accounting program. For example, in 1C "Salary and personnel" required document located in the section "Payments" - "Documents of exchange with the bank". For each employee, you need to check personal information: passport data, address, last name, first name, patronymic. The finished register should be unloaded and transferred to the bank. If an institution uses a client-bank to exchange documents with credit institution, the registry can be transferred through it. When the cards are issued, it is necessary to agree with the bank's specialists at what time and in what order the cards will be issued to the staff. For example, this will be done during the working week on the territory of the institution. If one of the employees fails to receive the card on time, he will be able to pick it up at the bank branch on his own.
It is necessary to collect statements from employees that they are asking to transfer all payments from the institution to the specified personal account(see sample). This will avoid further disagreements about the method of transferring payments. It is also desirable that in the collective agreement of the institution or in labor contracts with employees it should be indicated that the wages are transferred by the employer precisely in non-cash form. Due to the new cards, personal accounts of employees will change. The accountant will have to change the settings in the program, create new personal accounts for all employees. When employees switch to MIR cards, it will be easier for an accountant to make applications for salary transfers. Indeed, when making payments to international bank accounts, it is necessary to indicate the details of the recipient bank: its name, BIC, correspondent account and customer account numbers. Direct payments to MIR cards allow you to make a payment using only one requisite - the number of the payment card.
The employer is obliged to pay wages in full on the days that are fixed in the labor and collective agreements. But if one of the employees does not transfer to the MIR card, the money that the institution transfers to another card, the bank will take into account as unexplained receipts. Therefore, the accountant will need to withdraw money from the personal account and issue a salary through the cashier.
If an employee does not receive a paycheck within the due date, the unpaid amount will have to be deposited on the last payday.
On a note:
On the MIR card, all payments are made central bank RF. This means that they are under state protection.
An employee can complain (on the website onlineinspection.rf) to an employer who strongly recommends switching to salary project specific bank. For example, when a leader threatens to deprive a disobedient employee of a bonus. Therefore, give employees the right to choose. That is, an employee can choose a bank in which he will open a MIR card.
Even if you do not use sanctions, but force employees, they can send a complaint to the territorial body of Rostrud. And then the sanctions can not be avoided.
Some banks offer cards with free service. For example, RNKB offers to open and maintain a card for free. Sberbank turned out to be not so generous: the cost of servicing in the first year will be 750 rubles, in subsequent years - 450 rubles.
For the convenience of users, geolocation was launched on the portal "Networks for receiving and servicing national payment cards MIR" ( locator.mironline.ru). Here you can see the location of the nearest card service points. According to this resource, there are 193 ATMs in St. Petersburg.
Among the shortcomings of the card, one can single out the fact that it can only be in rubles and is valid only on the territory of Russia. Although some banks already issue co-badged cards together with international payment systems, which work as cards of two payment systems. These are MIR - Maestro and MIR - JCB cards.
Taken from the journal for practitioners about taxes and accounting "Accounting in Education"
