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Moscow, April 19 - Vesti.Ekonomika. The State Duma adopted in the second reading a bill on the transition of state employees and pensioners to services using the Mir national payment system. The transition period is until July 1, 2018.

State employees will be transferred to Mir cards. This applies not only to salaries, but also to social benefits. Connection to the national payment system should begin very soon. Vladimir Komlev, General Director of NSPK, comments.

The full name of the adopted document is draft federal law No. 61700-7 "On Amendments to Article 161 of the Law of the Russian Federation "On Protection of Consumer Rights" and the Federal Law "On the National Payment System" (in terms of improving the requirements for the organization and functioning of payment systems).

The adopted draft law defines the deadlines for the transition of state employees to Mir payment cards - until July 1, 2018. Pensioners will be able to receive Mir cards instead of existing cards after their expiration date, but no later than July 1, 2020.

At the same time, pensioners will not need to specially come to receive a new card when the current card expires: it will simply be replaced with a Mir card without charging a fee.

The bill provides for a gradual transition to the Mir card for state employees and pensioners. In accordance with the draft law, by July 1, 2017, banks will have to ensure the acceptance of national payment instruments - Mir cards, in all devices intended for settlements using payment cards, including ATMs and cash terminals.

From July 1, when state employees apply for opening a new account, banks will be required to issue a Mir card. As for the installation of terminals, the draft law has set a deadline - until October 1, 2017.

The obligation to ensure the possibility of paying for goods (works, services) using the Mir card is proposed not to be extended to business entities whose revenue does not exceed 40 million rubles. in year. In places where there is no access to cellular communication or collective access to the Internet, the seller is released from the obligation to ensure the possibility of paying for goods (works, services) using the Mir card. Sellers with an annual revenue of less than 5 million rubles. are also exempt from this obligation.

Exclusion of the obligatory transition to the "Mir" card - citizens who have a permanent place of residence outside the Russian Federation, employees of diplomatic missions, consular offices and permanent missions of Russia to international (interstate, intergovernmental) organizations.

The requirements for the mandatory transition to Mir cards will also not apply to citizens receiving tax deductions for personal income tax, payments to bank accounts that do not provide for transactions using payment cards, cash payments (including through post offices), lump sum payments or payments made less than once a year.

419 deputies voted for the adoption of the bill in the second reading.

Background

As a result of the sanctions imposed against Russia three years ago, including the blocking of operations of international payment systems of a number of credit institutions, many Russians found themselves in a difficult situation, as they could not pay their expenses with cards of these systems. In response, Russia decided to create a national card payment system. 180 banks have become members of the Russian payment system, cards are accepted by ATMs and 80% of terminals. The Mir card can be used abroad - the relevant international agreements have already been concluded.

In May of this year, Federal Law No. 88-FZ of May 1, 2017 came into force, providing for a gradual transfer of payments to public sector employees and pensioners to Mir cards. Cash settlements with state employees must be transferred to new cards before July 1, 2018. The law also obliges a certain circle of sellers to accept Mir cards when paying for goods (works, services) from October 1, 2017. The new rules for BUKH.1C were commented by 1C experts.

The Russian payment card "Mir" was created within the framework of the national payment system as an alternative to the international cards VISA and MasterCard. The first Mir cards were issued at the end of 2015. At the moment, a significant number of banks in Russia issue these cards.

Federal Law No. 88-FZ dated May 1, 2017 “On Amendments to Article 16.1 of the Law of the Russian Federation “On the Protection of Consumer Rights” and the Federal Law “On the National Payment System”” adjusted the requirements for sellers (performers of works and services), under which they are required to install terminals for accepting a national payment card. In addition, the amendments provide for a gradual transition to payments to citizens at the expense of budgetary funds by transferring these payments only to the Mir card.

Installation by the seller of a terminal for accepting payments with the Mir card

From 10/01/2017, those sellers (executors) whose proceeds from the sale of goods (works, services) for the previous calendar year exceeded 40 million rubles are required to install terminals for accepting payments using the Mir payment card.

It is possible not to fulfill this condition in two cases (Article 1, Part 2, Article 3 of Law No. 88-FZ), if:

payment is made in an area where there is no Internet connection and access services to mobile radiotelephone communications are not provided;
revenue from the sale of goods through a trading facility for the previous calendar year amounted to less than 5 million rubles.

It follows from this rule: if an organization has several trading facilities, then the proceeds from the sale of products must be determined for each of them. The exemption from the obligation to install a terminal will apply to those facilities in which the mentioned revenue limit is not exceeded.

Recall that a building, structure, structure (their parts) equipped with equipment for displaying, demonstrating goods, servicing customers and making payments when selling goods is recognized as a trading facility (clause 4, article 2 of the Federal Law of December 28, 2009 No. 381-FZ) .

It is not entirely clear how to apply the new provisions in practice to sellers (performers) who not only sell goods, but also perform work and (or) provide services by taking orders in a retail facility. Eg:

The organization's main activity is in the service sector. At the same time, through a trading facility, it sells related products. Reception of orders and sale of products take place in one facility. It is possible that at the end of the calendar year, the revenue from all types of activities will be more than 40 million rubles, and the revenue directly from the sale of goods will be less than 5 million rubles. On the one hand, the organization is obliged to provide in such a shopping facility the possibility of accepting the MIR card from buyers, since the proceeds from entrepreneurial activity exceeded 40 million rubles. On the other hand, the organization falls under the exception, since the proceeds from the sale of goods amounted to less than 5 million rubles.
The organization is a trading network. At the same time, in the process of selling products, it accepts orders from customers for a number of services (in particular, for packaging, delivery of goods sold, etc.). Let's assume that the revenue for the year from the sale of goods through individual retail facilities turned out to be less than 5 million rubles. At the same time, in general, for the distribution network (including revenues for services rendered), the amount of revenue is more than 40 million rubles. Is it necessary in such a situation to place terminals for receiving cards in all outlets?

We believe that in such cases it is advisable to contact Rospotrebnadzor for clarification.

At the moment, sellers (executors) are also obliged to provide buyers with the opportunity to pay with the Mir card. However, this applies to those entities whose income from entrepreneurial activity for the previous calendar year exceeds 120 million rubles. (Clause 1, Article 16.1 of the Law of the Russian Federation of 07.02.1992 No. 2300-1 “On Protection of Consumer Rights”, Decree of the Government of the Russian Federation of 04.04.2016 No. 265).

Note that the penalties for non-compliance with this requirement have not changed. In accordance with Article 2.4, Part 4 of Article 14.8 of the Code of Administrative Offenses of the Russian Federation:

an individual entrepreneur and an official of an organization can be fined from 15 to 30 thousand rubles;
organization - in the amount of 30 to 50 thousand rubles.

For the absence of a terminal for servicing international payment cards in a trading facility, sanctions are not applied (see the letter of Rospotrebnadzor dated July 22, 2015 "On clarification of legislation").

Registration of salary cards "Mir" for employees by employers in the public sector

Soon, credit institutions will be required to credit payments to individuals at the expense of budgetary funds only to bank accounts, transactions on which are carried out using the Mir card. The transition to such an order of payments is phased. It starts on 07/01/2017 and must end by 07/01/2020.

However, not all funds will be credited to the Mir card. Their list is limited. So, according to the amendments, the new procedure for crediting funds applies to (paragraph “h”, paragraph 6, article 2 of Law No. 88-FZ):

remuneration to civil servants;
wages of employees of state and municipal bodies, institutions, extra-budgetary funds;
government scholarships;
pensions and other social payments;
monthly lifetime allowance for judges.

Please note that Law No. 88-FZ contains a clause stating that the Government of the Russian Federation, in agreement with the Central Bank of the Russian Federation, may subsequently expand the list of such payments (clauses “and” clause 6, article 2 of Law No. 88-FZ).

Table 1 shows the types of payments from the budget and the deadlines before which an account serviced by the Mir card must be opened in the name of an individual in a bank (another credit institution) in order for the bank to credit funds intended for an individual to this account (clause "in ”, “e”, “h”, paragraph 6, article 2 of Law No. 88-FZ).

Table 1

Types of payments from the budget and deadlines for switching to the Mir card

No. p / p	Budget resources	Conditions for crediting funds to the account	Deadline for switching to the World map
	Remuneration of civil servants. Wages of employees of state and municipal bodies, institutions, non-budgetary funds. State scholarships
			Account opening date
	Pensions and other social payments. Monthly life allowance for judges	The bank account was opened until 07/01/2017 and is serviced by other payment cards	Upon expiration of the payment card, but no later than 01.01.2020
		A bank account is opened for the first time from 01/01/2017	Account opening date

For employers in the public sector, it is important to consider the following.

If an employer currently transfers salaries to employees (civil servants) to accounts that are serviced by VISA and MasterCard payment cards, he can adhere to this procedure of payment until 07/01/2018.

From this date, employers must transfer remuneration or wages only to accounts to which the Mir card is linked. In particular, for this, it is possible to conclude an agreement with the bank that issues such cards on the centralized transfer of wages within the framework of a salary project.

If remuneration or wages (from the budget) will be paid to employees (civil servants) who first applied for opening a bank account in order to receive the specified payments from 07/01/2017 (for example, from this date a new employee was admitted to the organization who does not have an account opened in a bank), the employer should check that the payroll accounts of such employees are serviced by a credit institution using the Mir card.

Note that the bank account to which the Mir card is linked will not be needed by an individual to receive the following payments from the budget (clause “g”, clause 6, article 2 of Law No. 88-FZ):

amounts of money in connection with the provision of tax deductions for personal income tax;
funds credited to accounts that do not provide for the implementation of transactions on them using payment cards;
lump-sum payments or payments with a frequency less than once a year;
payments in favor of individuals with a permanent place of residence outside the Russian Federation.

Public sector employees, pensioners and recipients of a number of social payments in the Russian Federation will soon use Mir payment cards exclusively. The corresponding bill was adopted quite recently by the State Duma of the Russian Federation and published on the official website. What do such changes imply? What will face, and what will Russian state employees benefit from using the card of the domestic banking system - let's look at the innovations in more detail.

What is the national payment card "Mir"

After the aggravation of international banking relations in 2014, in order to ensure maximum financial security and minimize the economic risks of subjects in the banking sector of the Russian Federation, a separate payment system was developed, called the National Payment Card System (NSPK). The payment innovation was intended to become an alternative transaction processing center in Russia, and, in the future, the creator of new payment cards with their further popularization among Russian users of banking products.

A new tool for making national payments, created in December 2015, was called the Mir national payment card. The work of the Mir payment card is in no way subject to political and economic influence from outside, while the card meets international standards, and this factor has allowed it to become an effective alternative to Visa and Mastercard cards, the most popular global payment systems. At the moment, the Mir card is available in standard debit, credit and premium options. Depending on this category, the amount of the financial limit available to its holder is set on the card.

The transition to the use of a national card in financial transactions since the end of 2015 has occurred quite quickly, and as of the end of April 2017, 353 Russian banks have already become participants in the Mir payment system.

Law on the mandatory transition of state employees to Mir bank cards from July 1, 2017

The mandatory phased transition to Mir bank payment cards is regulated by a new law adopted by the State Duma of the Russian Federation on April 21, 2017. The innovations mentioned in the document provide for the transition to the use of the instrument of the national payment system from July 1, 2017 for all categories of public sector employees, the military, and recipients of social benefits.

According to the new law, the process of transferring users to national cards will last 12 months and must be completed before July 1, 2018. The category of pensioners became an exception: the period of the “card” transition for recipients of such payments will last until July 1, 2020. Pensioners will be able to get a card and use the service absolutely free of charge.

To implement such actions, Russian banks have already pledged to organize the acceptance of Mir payment cards in absolutely all ATMs and self-service terminals by July 1, 2017.

The draft law also emphasizes exceptions for which the transition to Mir is optional: this category includes state employees living abroad, employees of consulates and diplomatic bodies and representative offices outside the Russian Federation. It will not be necessary to open the Mir national card for entrepreneurs whose income for the calendar year does not cross the line of 40 million rubles, as well as for those who receive one-time benefits no more than once every 12 months.

Advantages and disadvantages of using a bank card "Mir"

The Mir national bank card has a number of competitive advantages, however, users also complained about the inconvenience of making transactions. Let's take a closer look at its advantages and disadvantages. Let's start with the "pros":

In most cases, the issuance of the Mir payment card in banks is free of charge for its new holders;

The obvious competitive advantage of Mir is the low (relative to other payment systems) cost of the card service;

A high level of security for card transactions in online and offline payments is provided by a specially designed chip that protects cards from possible copying and fraudulent activities.

Along with the obvious "advantages" for their holders, Mir bank cards lose to their international counterparts in the following positions:

Payment outside the Russian Federation: it will be impossible to pay with the Mir card abroad if it is not co-branded - joint with another payment system. So far, such "bundles" are not numerous: with Mastercard there is such a binding in the Mir-Maestro system, and with the Japanese Mir-JCB system.

If for users the maintenance of the Mir card is quite inexpensive, then its issue for issuing banks will be an order of magnitude more expensive than the similar issue of cards of international payment systems Visa and Mastercard.

Despite the constant expansion of the geography of use of Mir payment cards, a financial transaction can only be carried out at points and stores (online and offline) where this national system is supported.

The provisions of the law apply to the payment of salaries of employees of state and municipal institutions, pensions and scholarships

Moscow. 1st of May. site - Russian President Vladimir Putin signed a law that establishes the obligation of banks to use only national payment instruments when carrying out operations on the accounts of individuals receiving cash payments from the budget of the Russian Federation or state extra-budgetary funds.

The provisions of the law apply to the payment of salaries, salaries of employees of state and municipal institutions, pensions and scholarships. Service cards for pensioners will be free. From July 1, 2017, Mir cards will be issued to all citizens who have applied for opening a new bank account in order to receive payments from the budget. The rest of the citizens will have to receive the Mir card by July 1, 2018. For pensioners, the deadline for receiving the card is set until July 1, 2020.

The law retains the ability to receive these payments in cash or to bank accounts that are not linked to cards. The amendments also do not apply to individuals receiving personal income tax deductions and irregular payments. At the same time, the government retains the right to establish, in agreement with the Central Bank, a list of other payments that will be subject to the requirement to transfer them to the Mir card.

The law on the "National System of Payment Cards" (NSPK) stipulates that the Bank of Russia's share in the authorized capital of the NSPK cannot be less than 50% plus one voting share. The current wording of the law provides for such an opportunity, subject to the preservation of the special right of the Bank of Russia to participate in the management of the NSPK. The amendments also reduce from 10% to 5% the share of the NSPK operator's shares that can be acquired by one person or a group of persons.

The law also obliges sellers whose revenue from the sale of goods for the year exceeds 40 million rubles to ensure the acceptance of Mir cards. This obligation will come into force after October 1, 2017.

In addition, the law reduces the period for notification of the Bank of Russia by payment system operators about the introduction of new tariffs or an increase in tariffs from 120 to 30 days. In addition to the notification, the payment system operator will be required to provide justification for the change.

The law also introduces a number of changes regarding the regulation of relations in the payment sphere. In particular, it is proposed to replace the absolute criteria of the systemic and social significance of payment systems with relative ones. This is due to the fact that absolute criteria do not take into account "external" factors: industry and seasonal activity, exchange rate fluctuations, the authors of the document note in an explanatory note.

The document expands the list of participants in the "National System of Payment Cards" by including foreign banks, foreign national (central) banks and international financial organizations. In addition, it is planned to include Vnesheconombank in the list of NSPK participants. "This will ensure the expansion of the Mir card acceptance network and the possibility of issuing them abroad," the explanatory note to the document said.

Banks, according to the law, will have to ensure the acceptance of Mir cards in all their technical devices intended for settlements, including ATMs, no later than July 1, 2017.

In addition, the law regulates the amount of commission on Mir cards. It is assumed that it should not exceed the amount of commission charged by the bank for payment cards of payment systems of a similar type, product type.