9/30/2011 Financial Dialogue
Yesterday the first part of norms of the law «About national payment system» which should regulate an order of electronic payments has come into force.
Actually "virtual" money exists in Russia for a long time. But till now accurate game rules in this market was not. And for this reason, participants of the market believe, law coming into force became sign event.
However, while all norms of the law come into force not. However many positions of the document, concerning ecash, already start to operate.
So, ecash is equated to non-cash payments. To use them, to citizens to open the bank account unessentially. Thus to apply them it is actually possible somehow: to pay the goods, services, to do charitable donations, to borrow money to acquaintances or, on the contrary, to repay their a debt.
Thus the operator is obliged to inform immediately the client on all operations with ecash. That is if you, for example, through any payment system with use of ecash have listed means on account of payment of the goods or services, to you are obliged to inform on payment carrying out.
However certain frameworks on the sums of payments are established. So, without identification, that is without a presentation to the operator of passport data, it is possible to register payment for the sum no more than 15 thousand roubles or 40 thousand roubles a month. If it is a question of larger sums the person should take place identification. And the total sum of the money put by the citizen in one «an electronic purse», cannot exceed 100 thousand roubles. But at the same time nobody forbids the person to create some such purses.
Restrictions are provided for legal bodies and individual businessmen: they can receive payments in ecash in accordance with general practice, but pay off them have the right only with physical persons who have taken place identification. Among themselves legal persons and businessmen can make, as before, calculations only through bank accounts.
From, whether there has passed the person identification or not, one more moment depends also. So, the owner of the "neolearnt" account can deduce money from a purse only on the bank account. And here the owner of the purse who has presented the passport data, has the right to receive not spent money «наличкой».
As to requirements to operators of ecash to be transformed to the credit organisations or not bank credit organisations it will come into force in 2012.
Source: the Russian newspaper
Actually "virtual" money exists in Russia for a long time. But till now accurate game rules in this market was not. And for this reason, participants of the market believe, law coming into force became sign event.
However, while all norms of the law come into force not. However many positions of the document, concerning ecash, already start to operate.
So, ecash is equated to non-cash payments. To use them, to citizens to open the bank account unessentially. Thus to apply them it is actually possible somehow: to pay the goods, services, to do charitable donations, to borrow money to acquaintances or, on the contrary, to repay their a debt.
Thus the operator is obliged to inform immediately the client on all operations with ecash. That is if you, for example, through any payment system with use of ecash have listed means on account of payment of the goods or services, to you are obliged to inform on payment carrying out.
However certain frameworks on the sums of payments are established. So, without identification, that is without a presentation to the operator of passport data, it is possible to register payment for the sum no more than 15 thousand roubles or 40 thousand roubles a month. If it is a question of larger sums the person should take place identification. And the total sum of the money put by the citizen in one «an electronic purse», cannot exceed 100 thousand roubles. But at the same time nobody forbids the person to create some such purses.
Restrictions are provided for legal bodies and individual businessmen: they can receive payments in ecash in accordance with general practice, but pay off them have the right only with physical persons who have taken place identification. Among themselves legal persons and businessmen can make, as before, calculations only through bank accounts.
From, whether there has passed the person identification or not, one more moment depends also. So, the owner of the "neolearnt" account can deduce money from a purse only on the bank account. And here the owner of the purse who has presented the passport data, has the right to receive not spent money «наличкой».
As to requirements to operators of ecash to be transformed to the credit organisations or not bank credit organisations it will come into force in 2012.
Source: the Russian newspaper
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