A transaction in a bank or the Federal Tax Service is not possible without a payment confirmation document. A check or statement, as well as a certificate of absence of debt - any of these documents is proof of the payment made. But the appearance of the external receipts in each organization may differ from the recognized sample, as well as the requirements for making funds.
Why is payment confirmation required?
When making money for a loan or annually paying tax, citizens are advised to keep checks issued by the operator (or terminal). They are evidence of the operation in the event of a contentious issue.
For example, a tenant received a notice of debt in the Federal Tax Service. The presence of a document on hand issued after the transaction will be a confirmation of payment of taxes.
The absence of checks greatly complicates the ability to prove the reality of the payment. Despite the transition to electronic payment mode, in 50% of cases, government agencies accept claims for consideration only if there is a “paper” copy of certificates.
What is a confirmation of payment?
According to Article 861 of the Civil Code of the Russian Federation, in Russia there are 2 payment methods: using real money and non-cash. Settlements between legal entities 100% must be made in non-cash form. The legislation of the Russian Federation does not apply stringent requirements to individuals.
As a confirmation of payment, in accordance with Article 220 of the Tax Code of the Russian Federation, it is allowed to use:
- cash receipt order;
- check, commodity or cash;
- statement;
- transfer of funds act;
- other certificates, duly executed and certified.
Bank Transaction Proof
Financial institutions issuing loans oblige customers to deposit funds in a timely manner to the lender's account. Delays lead to interest and penalties.
In rare cases, for example, during a technical failure in the system, the payment may be delayed or not received. To save yourself from having to re-deposit funds, the payer must prove the fact of replenishment of the account.
Confirmation of payment at Sberbank and other credit institutions can be a warrant, check or account statement.
A cash receipt order is issued by the operator upon depositing funds to the client’s personal account. It must indicate the name of the depositor, the date of the transaction and the amount, account, name of the financial institution. At the bottom of the order are the signatures of the transaction participants: the client, manager and cashier, and, if provided, the bank seal.
An extract is a list of banking operations on a customer account. It displays 1 or more transactions for the specified period of time (for example, the current month), name of the owner, name and account number of the organization, date of the statement and data of the authorized person. It is possible to print an electronic document when making a payment in remote service channels (UCO): online banking, terminals, mobile version of the site.
A check is issued upon repayment of debt to the account of a legal entity. It details (partially or completely) the details of the recipient of the funds, the name of the company, information about the payer, amount, date and purpose. A check printed after the operation in UCO is also a confirmation of payment of the bill.
Getting duplicate when losing a document
The Bank provides for the restoration of customer checks in the absence of them to confirm payment of the bill.If the transaction was performed by the payer himself in the terminals or online banking, the employee can print the account statement again or issue a copy of the check.
With the loss of paper documents, the recovery period can be up to 30 days. To speed up the transaction search, the client must know the date, approximate time, payment amount and details of the recipient. Lack of information may constitute a refusal to provide a second document.
Payments made more than six months ago are usually ordered through the bank’s archive. The term for the provision of the service is from 3 days. A fee may be charged for restoring some of the certificates.
How to prove payment of taxes?
Payments to the Federal Tax Service are the responsibility of every citizen of the Russian Federation. Every year, Russians pay off debts for land, property, and a car. The lack of confirmation of payment not only entails the accrual of fines in the form of penalties, but can also cause a ban on traveling abroad.
The Federal Tax Service is a government agency and is required by law to accept the following types of documents as proof of payment:
- Cashier's check.
- Account statement with the signature and seal of the authorized person.
- Income order.
- Another document confirming the fact of depositing funds.
As another reference, a check or form is issued in the form of a financial institution, which confirms the repayment of taxpayer's debt.
Can a financial institution refuse to issue a check?
When paying bills at a bank, the Federal Tax Service or other organizations, the client must require a supporting document. The issuance of checks is proof of a successful operation.
A refusal to issue a payment document may be the desire of the depositor to receive several copies at the same time. According to the Tax Code, financial institutions are authorized to issue only original certificates. The issuance of a duplicate is possible only after a written statement by the payer about the loss of the original document.
Managers of the company have the right to refuse to receive a certificate for third parties without the presence of the confirmed powers of a representative, for example, a notarized power of attorney, which states the permission to issue documents in the name of the depositor.
Confirmation of payment is not issued in the case of an incomplete transaction or its cancellation during execution. Some types of transactions committed in remote service channels do not allow you to reprint a check. For example, transferring funds from a plastic card account using the SMS information service. The client receives a payment confirmation code on the phone, he enters the data, the money goes to the sender's account. In this case, the proof of the payment is not a check, but an SMS about sending and conducting a transaction, or an extract from a bank card account.
How to prove the payment of services in the judiciary?
When submitting a statement of claim or complaint to Rospotrebnadzor, the payer must provide evidence of the transaction. The judicial authorities require a documented fact of the transaction indicating the name of the citizen, details, date and amount of payment.
If the operation was performed at the office of a financial institution, it is recommended that you submit the original receipt or order. Additionally, the bank may issue a certificate confirming the transaction with the seal of the branch and the signature of the authorized person.
When paying online, it is recommended that you print the checks and certify the documents in the office at the place of the account. Despite the presence of an electronic print on the form, in 15% of cases, law enforcement agencies refuse to accept certificates without an organization stamp and signatures of company employees.
How long is it recommended to keep payment documents?
In banks and other financial organizations, customer warrants have been archived for 5 years.Housing and utilities have the right to demand from subscribers evidence of depositing funds to their personal account within 3 years from the date of the transaction. According to the legislation, the storage period for documents confirming payment is 5 years from the date of receipt.
The advantage of online payment is the ability to print checks within 10 or more years from the date of transaction. If the client was unable to independently find the document, he can contact the financial institution for a request. Documents for more than 3 years are issued from the archive.
Not all operations can be printed after 6 months or more. In the absence of technical capabilities or updating the database, financial institutions may refuse to issue a certificate.