In today's world the main way of calculating a non-cash transfer.And more than 80% of such payments made by payment orders.Therefore, the payment order has become the main instrument by which both individuals and legal persons shall transfer funds from their accounts.
This current document is an order to the bank, which opened an account, transfer money from it can be on certain details.In accordance with the laws of Russia, there are standards on which the payment order is issued.Form and a sample of the document can be easily found in any accounting software or accounting resources on the Internet.
mismatch appearance of the settlement document legislation entails the right bank of the sender refuse to accept orders and the implementation of the transfer thereon.This right is governed by article 864 of the Civil Code.Standard view payment order implies that there are rules that the document is filled.
Making a payment order
law establishes certain rules of making the payment order.They should not be neglected.First of all, it should be borne in mind that such a document is issued on A4 sheets, the back of which have to be clean.Field sizes are also strictly regulated: the upper and right margin - 10 mm, left - 20 mm.Deviations not exceeding 5 mm.
To be sure of the correctness of filling payment order, you must know what compulsory details must include the payment order.The form of the document should reflect:
- the name of a payment instrument;
- payment number other than zero;
- the date of preparation of bills;
- data of the payer and the recipient indicating its name, TIN, PPC, bank details;
- data bank of the recipient and payer;
- the name of the payment, which certainly stands out as a separate line information about the VAT;
- order of payment;
- payment amount is referred to as numbers and words;
- prepared the seal and signature of the payment order, similar to those indicated in the signature card to the account.
in the payment to the payment of taxes and other payments in the budget is required to be filled tax code and a string of budget information.
next payment
Bank shall execute payment orders only if sufficient funds in the account.If there is no money in the account, or not enough, the document shall be credited to the card index, which is a set of documents under the control of the bank and off-balance sheet.
To the extent that payment of such facilities is carried out payment orders.This payment is made in a specific sequence, which is regulated by law and is called the order of payment.In the payment order, it can be from one to six, and is regulated by Article 855 of the Civil Code.
In banking practice most common payment instruments which belong to the third or sixth priority.In third place are paid by various payments to non-budgetary funds and budget, as well as wages for the sixth relate payments to suppliers.If the file cabinet has a payment order form which contains the same sequence as a few others, their payment is made in calendar sequence.
Thus, it is important to issue a payment order, the form it has to meet the standards.This will help avoid problems in making payments.
