When making non-cash payments, funds transfers by payment orders are most often used. They are drawn up on unified forms and transferred to the bank for execution within the time frame established by the bank account agreement and the law. There are several ways to send payment orders to the bank.
Instructions
Step 1
For dozens of years, money was transferred using payment documents that were submitted to the servicing bank in paper form. At first, they were printed on typographic forms using a typewriter, and with the advent of computers, they began to be formed in an accounting program, printed out under a carbon copy on a matrix, and later on a laser printer. Today this method has not lost its relevance and is still widely used by many enterprises.
Step 2
If you prefer a traditional paper document flow, prepare payment orders:
- fill in, observing the requirements for registration and checking the correctness of the details;
- print in 2 copies: one for filing in the documents of the day of the bank, the other for attaching to the statement of the current account. More copies are usually not required, since most banks use electronic forms of document exchange;
- sign them at the persons who have been granted the right of the first and second signatures, and affix the seal of the enterprise.
Step 3
Transfer the executed payment orders to the accountant-operator of the servicing bank. Consider the time frame set for accepting documents: for example, orders delivered before 15-00 can be executed on the same day, and those accepted after 15-00 - the next.
Step 4
The most modern and convenient way of sending payment orders is their transmission via the Client-Bank system (Internet-Client, Internet-Bank, Telebank, etc.). To use it, you must conclude an agreement with the bank, install software and make electronic digital signatures (EDS) on removable media, in particular, flash cards. Each bank develops a program taking into account its own security requirements, but in general, the principles of operation are similar.
Step 5
Payment orders can be generated directly in the "Client-Bank" system. To do this, open the "Payment orders" tab, select the "Create" item, fill in the required fields and save the document. You can also first execute payment orders in the accounting program, and then upload them to the "Client-Bank" through the exchange file.
Step 6
The next step is to sign the created documents using the EDS of the responsible employees indicated in the card with sample signatures. Insert the removable media with EDS into the USB-input of the computer, mark the payment orders, select the appropriate item in the menu and complete the first and second signatures.
Step 7
Prepare the signed orders for sending, once again check the correctness of execution and the correspondence of the details and start a session of exchanging documents with the bank. If there is sufficient money coverage, the sent payment orders will receive the "Accepted" status.
