Fz world map for budgetary organizations. Will I have to go to the bank to get a new card? Deadline for switching to the MIR card

From July 1, new employees and those who have expired their old cards began to receive new bank cards of the Russian MIR system. The rest of the employees must receive new cards by June 30, 2018. So that the accountant does not make mistakes 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.

What payments to transfer to new cards

Not all funds are credited to the MIR payment card, but only those indicated in the limited list.

Let's list them:

• employee salaries;
• pay for civil servants;
• state scholarships: academic, social, the President of the Russian Federation, the Government of the Russian Federation, etc .;
• pensions and other social payments from the FIU.

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 agreement with a government institution.

What needs to be done to switch to a new payment system

In fact, the actions of an accountant when switching to a MIR card are the same as when opening cards of the international payment system. To begin with, it is necessary to clarify with the founder the time frame in which the institution should make the transition. Since he can set deadlines that differ from the general ones. See the table for the general terms of transition to a new payment card.

Table. Deadlines for switching to the MIR map

Then employees are notified of the transition to the new payment system. For 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 terms of 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 is incorrectly specified, bank employees will return it for revision. But only for those positions that contain inaccuracies

The next step is the accounting department draws up a register of employees for issuing payment cards. It can be generated in your accounting program. For example, in 1C "Salary and personnel" the required document is 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 a credit institution, the register 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 personnel. For example, this will be done during the working week on the premises 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 allow you to avoid further disagreements about the method of transferring payments. It is also desirable that in the collective agreement of the institution or in the employment contracts with employees it was indicated that the payment for labor is transferred by the employer in a non-cash form. Due to the new cards, the 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 the accountant to draw up applications for the transfer of salaries. Indeed, when making payments to international bank accounts, it is necessary to indicate the details of the receiving bank: its name, BIC, correspondent account and client's account numbers. Direct payments to MIR cards allow you to make payments only by one requisite - the payment card number.

Sample. Employee statement

What will happen if you do not issue a card on time

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 switch to the MIR card, the money that the institution transfers to another card, the bank will take into account as unclear receipts. Therefore, the accountant will need to withdraw money from the personal account and issue the salary through the cashier.

If the employee does not receive the salary within the specified period, the unpaid amount will have to be deposited on the last day the salary is issued.

On a note:

All payments on the MIR card are made by the Central Bank of the Russian Federation. This means that they are under the protection of the state.

An employee can complain (on the website online inspection.rf) to an employer who strongly recommends switching to a salary project for a specific bank. For example, when a manager threatens to deprive a disobedient employee of a bonus. Therefore, give employees the choice. That is, the employee can choose the bank in which he will open the MIR card.

Even if you do not use sanctions, but force employees, they can send a complaint to the territorial office of Rostrud. And then sanctions cannot be avoided.

What benefits will employees receive

Some banks offer cards with free service. For example, RNKB offers to open and service the card for free. Sberbank turned out to be not so generous: the cost of service in the first year will be 750 rubles, in subsequent years - 450 rubles.

For the convenience of users, we launched geolocation 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 is only in rubles and is valid only on the territory of Russia. Although some banks are already issuing co-badging cards in conjunction 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 on taxes and accounting "Accounting in Education"

Public sector employees, pensioners and recipients of a number of social benefits in the Russian Federation will soon use exclusively Mir payment cards. The corresponding bill was recently adopted by the State Duma of the Russian Federation and published on the official website. What do these changes imply? What the Russian state employees will face and what will benefit from using the card of the domestic banking system - we will understand the innovations in more detail.

What is the national payment card "Mir"

After the aggravation of international banking relations in 2014, in order to ensure maximum financial security and minimize the economic risks of entities in the banking sector of the Russian Federation, a separate payment system was developed, called the National Payment Card System (NSPK). The payment innovation was intended to become an alternative center for processing transactions in Russia, and, in the long term, the creator of new payment cards with their further popularization among Russian users of banking products.

The new instrument for making national payments, created in December 2015, was named the Mir national payment card. The operation of the Mir payment card is in no way subject to political and economic influence from the outside, while the card meets international standards, and this factor 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 the cardholder is set on the card.

The transition to the use of the national card in financial transactions since the end of 2015 took place quite quickly, and as of the end of April 2017, 353 Russian banks had already become members of the Mir payment system.

The law on the compulsory transition of state employees to bank cards "Mir" from July 1, 2017

The obligatory phased transition to bank payment cards "Mir" is regulated by a new law, which was adopted by the State Duma of the Russian Federation on April 21, 2017. The innovations referred to in the document provide for the transition to the use of the instrument of the national payment system as early as July 1, 2017 for all categories of budget workers, military personnel, as well as recipients of social benefits.

According to the new law, the process of transferring users to national cards will take 12 months and should be completed by July 1, 2018. The exception was the category of pensioners: the term 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 on it absolutely free.

To implement such actions, Russian banks have already undertaken to organize acceptance of Mir payment cards in absolutely all ATMs and self-service terminals by July 1, 2017.

The draft law also emphasizes the exceptions according to which the transition to "Mir" is optional: this category includes budget workers living abroad, employees of consulates and diplomatic bodies and missions outside the Russian Federation. The national card "Mir" will not necessarily be opened to entrepreneurs whose profits for a calendar year do not exceed 40 million rubles, as well as to those who receive one-time benefits no more than once every 12 months.

Advantages and disadvantages of using the Mir bank card

The national bank card "Mir" has a number of competitive advantages, however, users also complained about the inconvenience of performing transactions. Let's take a closer look at its advantages and disadvantages. Let's start with the pluses:

In most cases, banks issue a Mir payment card free of charge for its new holders;

The obvious competitive advantage of Mir is the low (relative to other payment systems) cost of card service;

A high level of security for card transactions in online and offline payments is ensured by a specially designed chip that protects cards from possible copying and fraudulent activities.

Along with the obvious advantages for their holders, Mir bank cards lose to their international counterparts in the following positions:

Payment outside the Russian Federation: it will be impossible to pay with a Mir card abroad if it is not co-branded - joint with another payment system. So far, such "bundles" are not numerous: with Mastercard, such a link is available in the Mir-Maestro system, and with the Japanese Mir-JCB system.

If the service of the Mir card is rather inexpensive for users, then its issue for issuing banks will be much more expensive than a similar issue of cards of the international payment systems Visa and Mastercard.

Despite the constant expansion of the geography of the use of Mir payment cards, it is possible to carry out a financial transaction only in outlets and shops (online and offline), where this national system is supported.

The MIR payment system is a domestic product designed to eliminate the problems of citizens of the Russian Federation in the implementation of any transactions related to money.

The legality and all the subtleties of the work of this payment system is regulated by law 161 FZ. Let's consider the essence of this legislative document, and also figure out what are the advantages of the national payment system MIR and who can use it.

I would like to clarify right away that in the law 161 FZ of June 27, 2011 there is no clear indication of the name of the PS.

But due to the fact that currently in the Russian Federation there is only one national PS - MIR, it is worth considering this legislative document precisely within the framework of using the MIR system.

Federal Law 161-FZ regulates the legal and organizational foundations of the national payment system. On the basis of articles 161 of the Federal Law, the procedure for the provision of payment services of various kinds, the activities of the subjects of this PS, are regulated, and the requirements for the implementation of the implementation of the system in operation and control over compliance with all the requirements of the law 161 ФЗ itself are determined.

Law 161 FZ on the payment system addresses the following aspects:

1. Chapter # 1 contains general information about the bill itself. It discusses the subject of regulation 161 FZ, as well as the basic concepts that are used in this document.
2. Chapter 2 contains data on the procedure for the provision of payment services. Description of all schemes for the operation of the national payment instrument: transfer of funds, cashing out, electronic transfers, etc.
3. Chapter 3 - subjects of the domestic payment system and requirements for their activities. In this section of Law 161 FZ on the national payment system, you can find information regarding the subjects of this PS and the requirements for their activities. That is, Chapter 3 of Law 161 FZ determines who can provide such services.
4. Chapter # 4, # 4.1 - requirements for the organization and performance of the payment system. PS rules, participants, recognition of PS as valid, etc. Chapter 4.1 discusses the main aspects of the national payment card system.
5. In Chapter 5, you can find information on how to supervise compliance with the requirements of Law 161 FZ on the national payment system.
6. Chapter 6 contains information on the procedure for the entry into force of this document.

This is exactly what the Federal Law 161 of June 27, 2011 on the national payment system looks like with all the amendments. The bill itself was submitted for consideration on June 14, 2011, and on June 27 it was approved by the Federation Council.

The purpose of creating a national PS

The idea of ​​creating a domestic payment system arose immediately after the sanctions imposed on the work of some PS of the international category came into force.

The development of an internal PS allows you to freely use payment cards, carry out various types of financial transactions without fear that they will also fall under international sanctions.

In addition, the main goals and objectives of creating a domestic PS, which is currently the MIR system, are the following aspects:

• providing reliable money transfer services through domestic payment instruments;
• increasing the level of confidence of citizens of the Russian Federation in the non-cash payment method;
• creating a national payment space that is independent of foreign organizations;
• bringing the national payment instrument to the international level.

Who is obliged to switch to PS MIR

According to law 161 FZ of 2011, 2 categories of citizens of the Russian Federation are required to use the domestic payment system:

• pensioners;
• state employees - employees of budgetary institutions, students, etc.

The rest of the citizens of the Russian Federation may not switch to this type of banking services - this is optional.

Advantages of the MIR payment system

Among the biggest advantages of using the national PS MIR are the following privileges:

1. Independence. Unlike payment systems of the international level, the work of the PS MIR does not depend on political and economic external factors. Payment transactions with MIR cards, according to law 161 FZ, are safe, and holders of these banking products always have uninterrupted access to funds. The situation in the global political arena and the work of international PS in no way affect the financial stability of the MIR system.
2. Security. In view of the fact that MIR cards were created taking into account the advanced achievements of domestic developers, its security is at a high level.
3. Simplicity and speed of registration / transition to a new payment instrument.
4. Benefit. Thanks to the loyalty program, MIR cardholders can, by paying for goods and services, receive back up to 20% of the funds spent.

Outcome

Summarizing all of the above, let's make a small conclusion:

1. Law 161 FZ on the national payment system is a tool that allows you to use the domestic banking system that does not depend on foreign companies and sanctions.
2. Currently, the only state-type PS is the MIR system.
3. According to this Federal Law 161, the MIR card, or rather, the system itself, must be used by all state and municipal enterprises. The main users of PS MIR are pensioners and state employees.
4. The main advantages of the national payment system MIR are independence, convenience, comfortable conditions of use, as well as the availability of loyalty programs, which will save money spent on payment for goods and services.

The law on the MIR card for state employees is another step towards the financial independence of the Russian Federation!

In recent days, there have been alarming calls and e-mails from citizens who are forced at their place of work, in the bodies of the Pension Fund of the Russian Federation or in banks to receive an electronic payment card "Mir". These actions of representatives of certain organizations contradict the Constitution of the Russian Federation, the Labor Code of the Russian Federation and the latest changes in legislation.

On May 3, 2017, Rossiyskaya Gazeta published a new Federal Law of May 1, 2017 No. 88-FZ "On Amendments to Article 16.1 of the Law of the Russian Federation" On Protection of Consumer Rights "and the Federal Law" On the National Payment System "".

The declared purpose of the signed by the President of the Russian Federation V.V. Putin of the law - the gradual transfer of public sector employees and pensioners exclusively to the cards of the National Payment Card System "Mir" (NSPK) to ensure complete independence of Russia from foreign payment systems.

From July 1, 2017, all banks will have to ensure the possibility of providing all applicants with cards of the national payment system "Mir". That is, banks are obliged to ensure the issuance and execution of transactions using the Mir card throughout the territory of the Russian Federation within the period specified by the law. This is specifically stated in parts 5-5.3 article 2 of the new Federal Law.

At the same time, the law retains for the citizens of Russia the right to choose the method of receiving salaries and pensions. This law does not oblige all citizens to receive bank payment cards "Mir", its provisions apply exclusively to citizens who have or voluntarily accept these bank cards.

If a citizen wishes to receive wages, pensions or other social and other payments from the budget of the Russian Federation in cash or to an account to which a plastic card is not tied, then he must be provided with such an opportunity. Obtaining and using the Mir electronic payment card is absolutely voluntary!

“The provisions of parts 5-5.3 of this article do not apply to cases receipt by individual clients of tax deductions on personal income tax, receipt by individual clients of payments to bank accounts that do not provide for transactions with them using payment cards, receipt of payments by individual clients by cash (including through organizations mail service), receipt by customers - individuals determined in accordance with regulatory legal acts lump sum payments or payments made at intervals less than once a year ... "

In addition, in Article 16-1 of the Law of the Russian Federation "On Protection of Consumer Rights", the following provision is retained: "The seller ( executor) is obliged to ensure the possibility of payment for the goods ( works, services) through the use of national payment instruments, and also cash payments at the choice of the consumer ".

The contractor, in particular, is every employer, Pension Fund authority, bank or post office that are required at the request of citizens make payments in cash.

So, forcing citizens to accept and use electronic payment cards of the NSPK "Mir" is completely unacceptable.

Moreover, any citizen who has previously received a Mir card can refuse to use it. Back in February 2017, the head of the Federal Antimonopoly Service of the Russian Federation (FAS) Igor Artemyev said: “The FAS and the Central Bank of the Russian Federation have agreed that from January 1, 2018, state employees can refuse to pay their salaries to the Mir card, but in this case they will be able to receive their money is only in cash at the cash desk. "

Pensioners today can choose between non-cash and cash payments. In the latter case, the money goes through a bank or post office, where there is a cash desk and there are no problems with cash payments.

The provision on the obligation to ensure cash payments will create more difficulties for budgetary organizations, says Oleg Ivanov, vice president of the Association of Russian Banks. “Many budget organizations have already abandoned the creation of a cash register, cashiers have practically stopped working with cash,” he says. - Now this work will have to be resumed.».

Here, of course, much depends on the will and firmness of the citizens themselves, but on their side is not only the new Federal Law signed by the President of the Russian Federation, but also the Basic Law of the State - the Constitution of the Russian Federation, as well as the Labor Code of the Russian Federation.

Article 75 of the Constitution of the Russian Federation: 1. The monetary unit in the Russian Federation is the ruble. The emission of money is carried out exclusively by the Central Bank of the Russian Federation. The introduction and issue of other money in the Russian Federation is not allowed. 2. Protection and stability of the ruble is the main function of the Central Bank of the Russian Federation ... "

“Payment of wages is made in cash in the currency of the Russian Federation (in rubles).

In accordance with the collective agreement or labor agreement, upon a written application from the employee, remuneration may be made in other forms that do not contradict the legislation of the Russian Federation ...

The share of wages paid in non-cash form may not exceed 20 percent of the accrued monthly wages ... "

It remains to remind once again that the introduction and use of electronic non-cash money is illegal.

quite rightly asserts: “This is blatant counterfeiting on an especially large scale ... Why do I have such an irreconcilable (not tolerant) attitude towards non-cash money? For the simple reason that they are illegal means of payment and exchange. Simply put, counterfeit money.

And who is engaged in the issue of non-cash money (they are also called deposit money)? - Commercial banks, of which we currently have more than 800 ( now - more than 600, the article was written by Valentin Yurievich in 2015- ed.). And in the same America (USA) - almost 7 thousand. What laws determine the status and procedure for issuing non-cash money? - None. Their release and circulation are, as lawyers say, “out of the right margin”. And such an activity in our country in certain circles is usually called "life by concept."

Legitimate money(“Legal tender”; the analogue of our term in Anglo-Saxon law - legal tender) are only those obligations that are issued by Central Banks. This is cash in the form of paper signs (banknotes) of various denominations, which have reliable protection against counterfeiting. In the good old days, central bank notes were backed in whole or in part by their metal reserve (the "gold standard"). Today, alas, this is no longer the case. They are just paper tokens (called fiat money). But with all this, they are legal money, the status of which is enshrined in laws, and often in the constitutions of states. But non-cash money is shadow, in fact, illegal! "

Let's hope that the materials offered to readers will become a guide for them to take action in the struggle to preserve the traditional and legal system of cash payments in our beloved Russia.

"Beware lest anyone deceive you"(Matthew 24: 4) - our Lord Jesus Christ Himself teaches us.

Valery P. Filimonov, Russian writer

The provisions of the law apply to the payment of salaries to employees of state and municipal institutions, pensions and scholarships.

Moscow. The 1 of May. website - Russian President Vladimir Putin signed a law that establishes the obligation of banks to use only national payment instruments when performing transactions on the accounts of individuals receiving cash payments from the budget of the Russian Federation or state extra-budgetary funds.

The provisions of the law apply to payments of salaries, salaries of employees of state and municipal institutions, pensions and scholarships. Service of cards for seniors will be free of charge. From July 1, 2017, Mir cards will be issued to all citizens who apply for opening a new bank account in order to receive payments from the budget. The rest of the citizens will have to receive the Mir card before July 1, 2018. For pensioners, the deadline for receiving the card is set until July 1, 2020.

The law retains the ability to receive these payments in cash or to bank accounts not tied to cards. The amendments also do not apply to individuals receiving personal income tax deductions and irregular payments. At the same time, the government retains the right to establish, in agreement with the Central Bank, a list of other payments in respect of which there will be a requirement to transfer them to the Mir card.

The law on the National Payment Card System (NSPK) stipulates that the share of the Bank of Russia in the authorized capital of NSPK cannot be less than 50% plus one voting share. The current version of the law provides for such a possibility, provided that the special right of the Bank of Russia to participate in the management of the NSPK is preserved. The amendments also reduce from 10% to 5% the share of the NSPK operator, which can be acquired by one person or a group of persons.

The law also obliges sellers, whose proceeds from the sale of goods for a year exceed 40 million rubles, to ensure the acceptance of Mir cards. This obligation will come after October 1, 2017.

In addition, the law reduces from 120 to 30 days the period for notifying the Bank of Russia by payment system operators about the introduction of new tariffs or an increase in the size of tariffs. In addition to the notification, the payment system operator will have to provide a justification for the changes.

The law also introduces a number of changes in terms of regulation of relations in the payment sphere. In particular, it is proposed to replace the absolute criteria of the systemic and social significance of payment systems with relative ones. This is due to the fact that the absolute criteria do not take into account "external" factors: sectoral and seasonal activity, exchange rate fluctuations, the authors of the document note in the explanatory note.

The document expands the list of participants in the National Payment Card System by including foreign banks, foreign national (central) banks and international financial organizations. In addition, Vnesheconombank is planned to be included in the list of NSPK participants. "This will ensure the expansion of the network for accepting Mir cards and the possibility of their issuance abroad," said the explanatory note to the document.

Banks, according to the law, will have to ensure the acceptance of Mir cards in all their technical devices for making payments, including ATMs, no later than July 1, 2017.

In addition, the law regulates the size of the commission on Mir cards. It is assumed that it should not exceed the amount of the commission charged by the bank on payment cards of payment systems of a similar type, type of product.