How to fill out a payment request. Payment request Form payment request order

A payment request is formed when one company has financial obligations to another.

This document is drawn up to repay debts through the bank and is an ultimatum from the creditor to the debtor to pay the funds.

Payment request form has the form 0401061 paper or electronic document, which is intended for processing settlements with other entities.

The document form is strictly unified and must be used. Usually 2 copies are compiled: one is given to the bank, the other to the account holder.

The essence of the form is an offer to transfer funds to pay off obligations. This is one of the functions of bank cash management services.

Payment request vary depending on the characteristics and features:

with acceptance, in case of waiting for consent from the debtor to pay the debt, the document is marked “with acceptance”;
without acceptance, the operation is carried out automatically without informing the account owner.

To fulfill the requirement without acceptance, it is necessary to have appropriate conditions in the signed agreement between the credit institution and the client.

After complying with all formalities, suppliers of goods have the right to put an inscription without acceptance, the funds will be automatically debited.

Filling out a payment request without acceptance in practice requires a lot of time and is extremely rare.

Automatic transfer of funds is possible in the following cases:

Often the requirement is used as an enforcement mechanism of the court.

This type of document is used by bailiffs, the winning party in a lawsuit.

Once you receive a court decision, you can fill out a payment request immediately at the bank.

How is it different from an assignment - similarities and differences

Accounting professionals sometimes confuse these two concepts, but they differ in both form and function.

Unlike an order, funds on a payment request (without acceptance) the debtor's account is debited without his consent, the owner is only notified about the completed transaction.

Based on the payment order, the business owner the entity independently manages cash flows by sending a corresponding instruction to the credit institution.

If the need for consent from the debtor is indicated, the request indicates the deadline for its receipt. If consent is not received on time, the document is returned without execution.

How is it filled out?

At the beginning of filling in the upper left corner of the form is written document's name, then its number and date of compilation are recorded.

Then they are fixed conditions of the transaction: with or without the consent of the debtor. If the “payment terms” column is written with acceptance, then the deadline for acceptance is indicated next to it.

After the first line of the requirements, fill in the following:

second- payment amount;
third- TIN, name, legal form of the enterprise, the second column contains information about the amount of write-off (in digital value) and the payer’s current account;

Then information about the credit institution of the payer, as well as the recipient, is indicated: name, BIC, correspondent account number.

Below TIN is registered, name and current account of the recipient, type of transaction and order of payment.

The purpose of payment column describes in detail the reason for settlements using the payment request.

Then the date of sending and receiving the document is recorded, and, if necessary, comments and marks.

In paper version signatures are affixed in accordance with the bank card and stamp.

An electronic document is signed with an electronic digital signature.

Download the form and sample filling in Word

This is what the sample looks like:

When must I pay?

In the requirements, the period for acceptance is indicated by both parties when concluding a mutual agreement, but this period cannot be less than 5 working days. The date the form was received by the credit institution is not taken into account. The date is recorded on all copies of the form.

If the payment request “with acceptance” does not specify a deadline, this period is automatically equal to 5 days.

Important points

The bank's responsibilities include accepting payment requests regardless of the presence of financial assets in the debtor's account.

If there is enough money to fulfill the obligations, they are written off in the full amount specified in the request.

If there are no funds, the demand (collection order) remains in the bank’s file cabinet and, as funds arrive, the debt is repaid.

The payer, before the expiration of the time period designated for acceptance, submits to the financial institution the appropriate a paper indicating your consent or complete (partial) refusal, including in the event of inconsistencies in the used payment form for the concluded contract, with a mandatory footnote to the clause and details of the contract, indicating the reasons for refusal.

When there is a partial refusal to accept no later than the working day following the day the application was received, the amount agreed to by the payer is paid.

A settlement agreement is an agreement concluded between the buyer and the supplier, which involves payment for goods delivered or for work performed. It is drawn up in writing and concluded in cooperation with a bank employee. Settlement agreements are the following documents: payment orders and claims, bank checks, letters of credit.

Payment order- one of the forms of non-cash payments, which is an order submitted by the account owner to the bank where his money is stored for the transfer of funds to another person.
Bank payment request- manifests itself as follows: the supplier requires its buyer to pay the cost of the purchased product or service performed. In this case, the invoice is issued by the supplier, and the buyer must pay it.

Main difference payment order from a payment request is that in the first case, the payment occurs by personal order of the account owner, and in the second, the payment occurs by decision on the part of the recipient.

Settlements via payment request-order

These calculations are performed for purchased products or for services performed by the recipient of funds.

The advantages of this method of calculation:

Cost reduction, due to simpler and less filling out of various papers.
Responsibility for performing settlements with the supplier and buyer increases significantly.

Disadvantages of this method:

There is no 100% guarantee of payment from the payer.
Debts may arise on both sides.

Nowadays, the current method of settlement agreements is not in demand, thanks to the development of commercial lending and the introduction of prepayment. This type of settlement was preserved only in collection orders.

Payments under a payment obligation can occur with or without the consent of the payer.

Acceptance is consent to conclude a transaction on the part of the person to whom the papers have been sent to make payment for the purchased product or for the service provided to him.

Without consent to payments, payment can be made using this method only in the following cases:

If the case is provided for by law and the recipient has a court order.
If these points are specified in the concluded obligation.

Payment request with acceptance:

To conclude it, it is necessary to indicate in the “Terms of payment” field in the document being drawn up - with consent.
All payment requests concluded with the bank are placed in a special file cabinet until the consent period expires.
The payer can present to the bank employee a decision on consent or full or partial refusal, in accordance with the grounds specified in the main agreement.
Complete refusal - in this case, the payment request is completely written off from the account of settlement papers, which are awaiting a decision from the payers. The documents are returned to the creditor without payment.
Partial refusal - in this situation, the entire amount of funds is written off from the payment document account and a new amount is entered, which was accepted and agreed upon by the payer. This document is confirmed by the signature of the bank employee responsible for filling out these documents.
One copy of the agreement is sent to the payer within one business day from the moment the payment request is made.

What is the acceptance period?

In accordance with the law, the time for consent must be at least five working days. However, the maximum period is not specified, so the recipient can set it independently in the main agreement.
If the contract does not specify the date for making a decision, then it will be set according to the standard - that is, for five working days.
In each document, the bank employee is required to indicate the end time for making a decision. In this case, the day of drawing up the contract is not included in the calculation. Also, only working days are counted. Time begins to count from the day the payment request is received by the payer.
If within the accepted time the banking organization has not received consent or refusal, then the payment request is terminated and returned to the creditor. In the future, both parties can resolve all their problems by resorting to adopted laws.

Payment request - example of filling out the form

When concluding a payment transaction, you must specify the following parameters:

Condition of payment - here you can specify with or without the consent of the payer.
Time for consent - this field can be left blank, or you can specify the required time, but it should not be shorter than five days.
The day on which the document was presented to both parties - the exact date of receipt is indicated. If the papers were not transferred to their destination within the accepted time frame, then they are returned back to the bank.
Information about the product or work performed - you must provide documents that confirm delivery of the product to the buyer.
It is necessary to indicate all information about the delivery of goods in the appropriate field.

Filling example:

Sample filling out a payment request order

In what cases will all requirements be successfully met?

The main condition for fulfilling a payment request is whether the payer agrees to fulfill it.
The payer also decides whether to fulfill the obligations in whole or in part. All information about the decision made is filled in in the accepted document by the employee of the banking organization responsible for concluding the transaction.
Payment settlement will be refused if the payer provides an acceptance with information different from the information that was specified in it by the recipient.
You must fill out all the requirements. Corrections in the text, as well as the use of various means to cover up errors, are not allowed. If these rules are violated, the service will be refused, and all papers will be returned to their owner.

Watch the video tutorial 1C 8 3 on how to make a payment request:

Useful articles

Useful articles:

Attention! Due to recent changes in legislation, the legal information in this article may be out of date! Our lawyer can advise you free of charge - write your question in the form below:

Payment for goods and services can be made in various ways. In the coming year, quite noticeable changes occurred in the legislation, which led to the revision of such a document as a payment request. That is why, before proceeding with registration, it is necessary to study a sample of filling out a payment request in 2019.

Basic information

When paying for goods and services provided, a payment request is used. It is this that is drawn up by suppliers/sellers in order to instruct the bank to debit the agreed amount from the buyer’s account.

How to fill it out

Filling out this paper can be done in different ways. So, it depends on whether the funds are written off with or without the payer’s consent. The type of payment is also taken into account. It could be:

insurance payment;
tax;
other fees (for example, penalties).

Each payment request must be issued under a specific number. The next column records exactly when this document was drawn up. As for the type of payment, the example presented to your attention clearly demonstrates that this column is not filled in immediately, but only after instructions from the Bank of Russia.

In addition, the requirement defines the conditions, as well as the deadline for making the payment. The amount to be paid is first entered in words and then in figures in a separate field.

The necessary data is also provided about each participant in the described procedure: banks (payer and recipient), BIC, account number, etc. It is important to note that all names of organizations are written in full.

The described form also includes a table that serves as confirmation of payment made in full or in part. After the recipient receives the funds, the document is sent to the card index. The date of placement in the file cabinet is recorded.

Business relationships are not possible without document flow. Relationships between business people require documentary evidence and registration. In this way, transactions, contracts, agreements acquire a noble, orderly appearance. The work process proceeds in accordance with the assigned standards, points, and requirements.

The negative aspect, the other side of the coin of documenting business relations, is excessive bureaucracy. The phenomenon has a very detrimental effect on work processes. No matter how burdensome the need to maintain documents may seem, no other way to ensure normal, orderly relations in business and affairs has yet been invented.

Paperwork, the notorious bureaucracy, which modern democratic society so often complains about, is mandatory. There is a list of documents, the absence of which is evidence of a violation of current federal legislation. These include forms, forms, acts, payment requests, receipts, etc.

Payment request in form 0401061 is a document required for the financial well-being of any enterprise, facilitating business and financial relationships.

What is a payment request? Document from the settlement class. It reflects the claims of the creditors (recipient of funds) under the loan agreement to the borrower (payer of financial obligations) for a specific amount of funds by involving a banking organization or financial company.

The main scope of application of the payment request is payment for goods/services/work performed and other benefits specified in the agreement. The use of a payment request increases the level of comfort in making payments without or with acceptance. Without acceptance, the payer makes payments through payment requests in such cases as:

in cases prescribed by the current procedure of the Federal Law of Russia;
in cases provided in advance by the borrower and the lender servicing the borrower, write off funds from the payer’s current financial account, including without his certificate of this right.

A payment request is drawn up on the approved form of form 0401061. The document indicates the details specified in clause 2.10 of the Central Bank of the Russian Federation 03.10.2002 N 2-P, as well as the following information:

the conditions under which payment must be made;
deadlines for acceptance;
deadlines for issuing/sending/delivering documents to the borrower specified in the agreement, in the conditions if the listed documents were transferred/handed/sent by him to the bank;
all types of work/goods/services, the date of conclusion of the agreement, the number of the agreement, the number of all papers evidencing the completion of work, the provision of services, the provision of goods, the method of supply of products, and other data are specified. The information is provided in the “Purpose of payment” section.

The payment request adds to the list of important mandatory papers. Experts say that in the business circulation of documents, papers are no more important.

In this regard, it is necessary to fill out the document with the utmost care. It is important to use the payment request correctly. Otherwise, document flow at the enterprise will flow in a distorted form, which will lead to chaos and harm the business and the activities of the company/organization.

News on the topic

New from 02/25/2019:According to Federal Law No. 12-FZ dated 21.02.2019, which amended the law on enforcement proceedings dated 02.10.2007 No. 229-FZ, from June 1, 2020, employers will be required to indicate codes in payment documents when paying wages and other payments to employees types of income (new details for payments to employees will appear in the payment order).

New from 05/10/2017:In the instructions of the Bank of Russiadated July 5, 2017 N 4449-U, paragraph was added 4.1 of order 383-P. Also in "Appendix 1" in details line 101 - 110:Column 1 is presented in a new edition ("101 - 109"); in column 3, paragraph two is declared invalid; etc. Excerpt: "1.3. Supplemented by Appendix 13 as amended by the Appendix to this Directive.".

New from 02/24/2017: The Federal Tax Service of Russia, in letter No. ZN-3-1/978@ dated 02/15/2017, clarified the procedure for filling out field 101 of the payment order for the transfer of insurance premiums from 01/01/2017.

Federal Tax Service of Russia in letter dated 02/03/2017 No. ZN-4-1/1931@ forpayment orders for the transfer of insurance premiumsexplained the procedure for indicating codes in the “101” field.

New from 02/17/2016: Effective from 03/28/2016 Directive of the Bank of Russia dated November 6, 2015 No. 3844-U On introducing amendments to the Regulation of the Bank of Russia dated June 19, 2012 No. 383-P. According to these changes, in payment orders for the payment of taxes and fees, insurance premiums, customs and other payments to the budget system of the Russian Federation, it is not necessary to fill in detail 110 - payment type.

Excerpt from Bank of Russia Regulations dated June 19, 2012 No. 383-P “On the rules for carrying out transfers” water of cash"

(as amended by Bank of Russia Directives No. 3025-U dated July 15, 2013, No. 3248-U dated April 29, 2014, No. 3641-U dated May 19, 2015, dated November 6, 2015 N 3844-U).

Chapter 5. Settlements by payment orders

5.1. When making payments by payment orders, the payer's bank undertakes to transfer funds through the payer's bank account or without opening a bank account of the payer - an individual to the recipient of the funds specified in the payer's order.
5.2. A payment order can be used to transfer funds from a deposit account, taking into account the requirements established by federal law.
5.3. Details, form (for a payment order on paper), payment order details numbers are established in Appendices 1 - 3 to these Regulations.
5.4. The payment order is drawn up, accepted for execution and executed electronically, on paper.
5.5. The payment order is valid for submission to the bank within 10 calendar days from the day following the day of its preparation. (as amended by Bank of Russia Directive No. 3248-U dated April 29, 2014)
5.6. If the payer is a bank, the transfer of funds to the bank account of the client - the recipient of the funds can be carried out by the bank on the basis of a bank order drawn up by it.
5.7. The order for the transfer of funds without opening a bank account of the payer - an individual on paper must indicate the details of the payer, recipient of funds, banks, transfer amount, purpose of payment, and may also indicate other information established by the credit institution or recipient of funds as agreed with the bank. An order to transfer funds without opening a bank account for the payer - an individual - can be drawn up in the form of an application.
The form of the order for the transfer of funds without opening a bank account of the payer - an individual on paper is established by the credit institution or the recipients of funds in agreement with the bank.
Based on the order to transfer funds without opening a bank account for the payer - an individual, the credit institution draws up a payment order.
5.8. An order for the transfer of funds without opening a bank account of the payer - an individual, transmitted using an electronic means of payment, must contain information that allows you to identify the payer, recipient of funds, the transfer amount, and the purpose of the payment.
5.9. Based on the orders of payers - individuals, a credit institution can draw up a payment order for the total amount and send it to the bank of the recipient of funds, to the recipient of funds agreed with the bank of the recipient of funds, to the recipient of funds using the register method or orders of payers - individuals.
5.10. When making payments by payment orders, the instructions provided for in paragraph 1.11 of these Regulations may be applied.