How to return money for goods paid for by credit card?

Requirements for returning goods via online checkout

The period from the date of purchase of the goods should not exceed two weeks (14 days)
The product must not show signs that it has been used.
The appearance of the purchase must be preserved with all labels, seals, etc., i.e. The returned item must be fully resalable
The receipt of payment for this product must be kept.

If for some reason the receipt is missing (damaged or lost), the buyer has the right to use witnesses to confirm the fact of purchase of the product.

Important! The buyer's lack of a receipt cannot be an argument for refusing to make a return. The cashier always has the opportunity to find the fact of purchase in the sales register and, if necessary, create a copy of the receipt.

Products of poor quality include:

Products with defects or visible defects
Items that do not match the style or color
Products with inappropriate configuration, dimensions, etc.

The period for returning funds to the buyer, according to the legislation of the Russian Federation, is 10 days. But as practice shows, payments are made at the time of return, after its documentation.

If the buyer purchased a large-sized item and its transportation will require financial costs, there are two ways to resolve this issue:

The buyer has the right to demand delivery of the goods to the retail outlet by the seller
The buyer has the right to organize delivery on his own and subsequently demand reimbursement from the seller for payment of delivery; this requirement must be indicated in the return application

Important! If delivery is carried out by the buyer, the cost of transportation is subject to compensation only if there are supporting documents.

“Settlement indicator” in the return receipt

At the time of registering the return of goods at the online checkout, a cash document is generated, in which, among other details, the “Settlement Attribute” must be indicated.

There are several types of “Calculation Attribute”:

“Receipt” - direct replenishment of the cash register at the time of sale of goods
“Return of Receipt” is the opposite type of calculation to “Receipt”, used when it is necessary to return funds from the cash register
“Expense” - used when accepting any products or raw materials from citizens (for example, payment when accepting scrap metal)
“Expense return” is a practically unused type of requisite, the opposite of “Expense” (used if goods accepted from citizens are returned back to the population, and the funds are returned to the cash register)

If the buyer returns the goods, only one of the indicators is used - “Return receipt”. This sign is also indicated if it is necessary to return the advance or reimburse the cost of unprovided services.

The legislative framework

The Law on the Protection of Consumer Rights in Russia, or rather its 25th article, establishes that the buyer has the right to exchange a purchase if it does not suit the shape, color or other parameters. It states that to do this, the consumer must contact the retail outlet within 14 days after making the purchase.

Situations in which purchased products were paid for with a bank card differ from payment in cash. According to the law, refunds for goods paid for with a bank card are carried out on the basis of presentation of the payment card itself and a cash receipt. If the product is returned directly on the same day it was purchased, the payment transaction is simply canceled in the terminal. In this case, the money will be transferred back to the buyer's card.

On any other of the next 14 days, the return procedure will be regulated by an agreement concluded between the store and the bank. Most stores require their customers to bring the original bank card, but in some retail outlets it is enough to bring a receipt indicating the fact of the purchase.

We suggest you read: Which court to file a claim in?

The main law protecting consumers states that requests for refunds must be satisfied within three days after the buyer transfers the purchased product to the seller. The actual terms in practice depend on the procedure established by the credit institution that has an agreement with the store.

The procedure looks like this:

First, the store receives a copy of the claim from the bank with the buyer’s desire to return the money;
The bank verifies and registers this application;
Next, the bank cooperating with the store transfers the money to the consumer’s bank. Speaking of whether it’s possible to get money back if you transferred it to a scammer’s account, find out here;
The consumer's bank transfers money to its client's account.

Sometimes buyers who have paid the amount for an item can only wait for one month for the item to arrive. On average, in practice, all operations take about 3-10 days.

To be able to return the money, the buyer must follow the algorithm. And the first step in this algorithm is writing a complaint. To begin, you need to provide your personal and contact information, as well as the name of the store and its address. Next, it is worth indicating what exactly did not suit the applicant.

How to make a return via online checkout

The procedure for returning via online checkout is simple. The main thing is to collect the necessary package of documents, create a cash receipt with the calculation attribute “Return of Receipt” and return the cost of the goods to the buyer.

Return instructions via online checkout:

The buyer writes a statement
The cashier issues an invoice
Cashier creates cash receipt
The cashier gives the buyer money (if the goods were paid for in cash, the money is issued from the cash drawer; if the payment was made by bank card, the refund is made to the buyer’s card)

Why is it not possible to return money in cash?

The main reason is the ban on this procedure by the tax service. If a store decides to return money from cash receipts for a non-cash payment, the tax service has the right to fine it for misappropriation of funds in the amount of 50 thousand rubles.

This stops many sellers, especially since practice shows that fines are issued regularly.

Attention

If the case of returning money for goods comes to court, then be sure that if the store refuses to issue cash for non-cash payment, the court will be on the side of the tax authorities and the seller store.

Another reason is the terms of the agreement between the seller and the bank, which clearly describes the procedure for returning funds. Typically, the bank imposes a direct ban on returning cash from the cash register for items purchased with a bank card. And the store is unlikely to violate it in order to meet the buyer halfway.

Documented procedure for returning goods via online checkout

Let's look at the return procedure from the documentary side:

1. Returning goods via the online checkout must always be accompanied by the appropriate package of documents, the first being a statement from the buyer.

This application does not have a strict form, but there is a list of data that should be reflected in it:

Seller data (name, details, full name of the director, i.e. all information about the point of sale known to the buyer)
Information about the product (article number, color, etc.), you can find it on the labels
Reason for return (style does not fit, product is defective, etc.)
Buyer details
Date of writing
Signature and decryption of the buyer's signature

Example of an application to return a product:

The application also indicates all additional information that the buyer wants to record. For example, this may concern information about a claim for compensation for the delivery of large goods to the seller.

2. The next document that must be drawn up is the invoice form TORG-12.

Certain requirements also apply to the invoice:

The document is drawn up in two copies
The invoice must be dated and numbered with a unique number
The “Consignee” column must contain the data of the store/organization to which the goods are being returned (name, tax identification number, etc.)
In the line “Delivery address” the address of the retail outlet is indicated
The “supplier” in this case is the buyer who returns the goods, i.e. The buyer's data is entered in this column
In the line “Payer” the name of the store with the relevant details is indicated, because it is the store that will pay the refund amount
The reason for the return is indicated in the “Reason” line; the basis for this will be the buyer’s statement
After this, the invoice contains a tabular part in which it is necessary to provide a description of the goods to be returned. The description includes the characteristics of the product, its packaging, quantity, etc.
The result of filling out the invoice will be an indication of the total quantity of the returned goods and its amount

Important! The invoice must be signed by both parties and, if possible, certified with the store’s seal. If the invoice does not have the buyer's signature, it becomes a useless document, because... has no legal force.

It is possible to draw up an invoice in any form; in this case, it must contain all the details described above. If possible, a receipt confirming the fact of purchase is attached to the entire package of documents. But if it is absent, you can skip this point.

The store employee issuing a return at the online checkout must check all the specified data with the buyer’s documents, and then issue a return receipt.

Then you can proceed to return the money to the buyer.

How long should I wait for a refund?

The seller must make a refund within 10 days after submitting the application. But this rule does not always apply if the purchase was made using a bank card. How does this happen?

First, the accounting department of the retail outlet transmits to the bank, with which they have an agreement for servicing customer bank cards, copies of requests for refunds. There are no exact dates - several working days. It depends on the efficiency of the accountant.
After receiving the application, the bank checks it, registers it in the system and, if no violations are found, sends it for execution.
After transferring the application for execution, the responsible bank employee transfers the necessary funds to the general account of the bank in which the buyer issued his card.
The timing of the final transfer of money to the buyer’s account depends on the speed of work and the bank’s policy. If private banks usually transfer money within a short period of time, then from state banks you can expect delays of up to 30 working days.

Warning

According to legal requirements, banks must credit funds to the buyer’s card within 30 business days after the application is received in the banking system. As a result, the total return period is between 3 and 40 business days.

In order not to torment yourself with long expectations and doubts, you can contact the store’s accounting department and find out exactly when the application for a refund was submitted to the bank. Based on the date the application was submitted, you can calculate the approximate time it will take for the money to arrive on your bank card.

The difference between a correction check and a refund check

There are situations when, at the time of settlement with the buyer, the seller does not punch the check. This may be due to human factors, and, for example, due to a technical problem. As a result, there is a shortage at the cash register, which somehow needs to be explained. In this case, the cashier will be helped by a correction check.

The correction check is created strictly on the basis of some explanatory document (memo on the fact of the shortage, explanatory note, etc.).

A correction check is a fiscal document and a strict reporting form; it will definitely be submitted to the tax office, which in turn may request clarification on the fact that the correction was created.

Accordingly, an entrepreneur should keep all documents on the basis of which such checks are created.

Important! To avoid a fine, an entrepreneur must inform the tax service about the adjustment before the tax office learns about it from other sources.

If we are talking about a return, a correction check is not needed; it is enough to issue a regular check, in which the payment indicator will be indicated as “return of goods”.

Those. A correction check is created if an error was made that resulted in a shortage of funds and this somehow needs to be corrected. And at the time of return there are no cashier errors, and nothing needs to be corrected.

If the item was paid for by card, can I get a cash refund?

First you need to determine the cause of the malfunction. The seller is obliged to return the funds only if there is a manufacturing defect or if it was improperly stored in the warehouse. If necessary, anyone can return the goods to the seller. If we are talking about a quality item, then an exchange is offered first. Money is returned only if the seller does not have a similar product.

If necessary, anyone can return the goods to the seller. If we are talking about a quality item, then an exchange is offered first.

The application itself must indicate what circumstances of the purchase the consumer considers important, the reason for the return and other nuances. At the end, you should attach a sales receipt and sign with the date the application was written.

What to do if there is no money at the checkout when returning goods

If the buyer returns the goods, the store has the right to delay payment of funds for no more than 10 days.

If the buyer has expressed a desire to return an item that was paid for in cash, and there is no money in the cash register, the cashier can refer to legislative norms (this information is specified in Article 22 of the Law on the Protection of Consumer Rights ).

Important! If the delay in payment is exceeded, for each day of delay the store will be charged a fine equal to 1% of the cost of the returned goods.

Can a person who did not buy it return an item to the store?

In case of cancellation of the order. Does a retail trade organization have the right to return money to the buyer for goods paid for with a bank card in cash?

Sample application for return of goods.doc In the absence of a sales receipt, a return option is possible based on evidence of purchase.

Litigation between patients and health care providers has always been highly complex. This is due to the fact that lawyers, from lawyers to judges, rarely understand all the intricacies of medical treatment...

In addition, upon arrival at your country's border, the contents of your order may be subject to customs fees (taxes, duties, handling fees, customs brokerage fees, etc.).

EXCHANGE (RETURN) OF PRODUCT OF GOOD QUALITY WHEN PAYING WITH A BANK CREDIT OR PAYMENT CARD

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BANK CREDIT

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When exchanging (returning) a product with full or partial payment using a bank loan, the consumer first contacts the seller to document the exchange (return) of the product, and then formalizes with the bank a change in the information under the loan agreement, since the exchange (return) of the product does not change ( does not automatically terminate the borrower’s obligations to the bank under the loan provided.

What is the penalty for paying money when returning goods in cash? Payment was made by bank transfer

Refund of money for goods when paying by card When returning goods to the supplier, buyers often ask for their money back in cash, although they themselves paid for the goods with a plastic card.

Can the company issue money from the proceeds, that is, issue a cash refund? As the tax authorities answer, it is impossible.

Directive of the Bank of Russia No. 3073-U dated 10/07/13). What are the risks to the company of returning money from the proceeds? For this operation, tax authorities may impose a fine on the company for spending funds not for the intended purpose permitted by the above-mentioned instructions of the Bank (Part.

1 tbsp. 15.1 Code of Administrative Offenses of the Russian Federation). This violation threatens the company with a fine of 50,000 rubles.

Practice shows that inspectors during inspections often fine companies for issuing cash from the cash register for purposes that are not clearly named in instruction No. 3073-U.

These costs also apply to loan repayment.

Is it possible to return money to another card when returning goods?

Step-by-step instructions for returning goods paid for through the terminal with a bank card By the way, the client, depending on his type of activity, can choose two types of devices:

integrated, they work together with cash register software;
autonomous, this is an independent device not tied to a cash register.

In turn, autonomous terminals can be mobile or stationary. The latter are installed directly in the room where settlement and cash services are carried out and operate exclusively from the network.

Mobile devices operate on battery power and Dial-Up, Ethernet, GPRS, which is quite convenient for entrepreneurs operating on-site or at home.

By the way, the bank offers a wide selection of devices for entrepreneurs; they can be purchased or leased, depending on the client’s desires and capabilities.

How to make a refund using a Sberbank terminal instructions

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Refund to card when returning goods

Popular articles Advice from an Expert - Financial Consultant A short step-by-step guide So, let's look at the actions that need to be taken. If the company refuses to compensate you for the damage, you can contact the consumer protection service. She will help you solve the problem without going to court, which in most cases does not make sense due to the small amounts sent through payment terminals.

How to make a return via terminal?

When using the device for the first time, be sure to install receipt paper (if required).
Check the amount due.
Insert the card with the chip facing up at the bottom of the device.
A message will appear on the display asking you to enter your PIN, you must enter it correctly.
Confirm the operation by pressing the green “Confirm” button;
If the operation was successful, do not forget the receipt.

Please note that the card cannot be removed from the device until the operation is complete

Instructions for Sberbank pos terminal

How to return money to a card through a terminal in a store Get even more information about what actions may result in liability under a certain article of the Code of Administrative Offenses of the Russian Federation; what size of the fine threatens for certain actions; what to do to avoid liability, etc. The return of goods paid for by card does not satisfy the consumer with the shape, dimensions, style, color, size or for other reasons, has not been used and no more than 14 days have passed from the date of its purchase, not counting the day of purchase; 3) the packaging, seals and labels are not broken, then the consumer has the right to exchange it for another similar one, provided he has a payment document issued by the seller along with the goods. If the buyer returns the goods, this is provided that the client paid you in cash.

How to return an item paid for by credit card?

Rights and obligations between the seller and the buyer arise from the moment the purchase and sale transaction is completed. It ends after payment for the goods is made. Therefore, the key point here is the fact of transfer of funds. You can confirm it with a check issued by an ATM.

If you don't have a receipt, don't despair. You can see the money transfer in the history of card transactions. To do this, order a statement from a bank or ATM.

Keep the document confirming payment for the goods.