Customs card: the meaning of the payment system, rules of use, how to apply

Customs card - safe, profitable and convenient for banks and foreign trade participants

When the “Customs Card” payment system project was launched in 2001, few of the foreign trade participants doubted its commercial success. A real alternative to non-cash (preliminary and advance (on account of future deliveries)) and cash payments of customs duties has emerged. However, the “Customs Card” service is also of interest to banks - as another product in the “financial supermarket” for corporate clients.

Use if you have a Unified Personal Account (UPA)

Since 2021, participants in foreign economic activity (foreign economic activity) in the Russian Federation have received a unique opportunity to open an ELS in the FCS (Federal Customs Service), and since March 2021, the transition to it has become a mandatory condition for all companies, automatically carried out by the government service itself. It is worth noting that the updated payment processing regulations provide for some nuances.

Thus, the system does not correspond to write-offs and replenishments of the balance, excluding documentary linking to transactions, which helps to simplify the issuance of a goods declaration - for this it is enough to ensure the required amount of funds at the time of the application. When filling out the payment column, you do not need to enter check or order numbers. However, if the request is submitted through one accounting department by several declarants, then it is impossible to clarify “whose exactly” the money was written off.

For help on issues of currency control and foreign trade activities, you can contact the specialists of SEA BANK.

Changing the standard mechanism, which is inconvenient for business, is a priority task of the “Customs Card” payment system, the importance of which is difficult to overestimate. The operator instantly sends a request to write off the amount, the bank automatically identifies the holder and the instrument used, completing the transaction in favor of customs. The procedure and regulations are described in detail in the Order of the Federal Customs Service of Russia No. 406-r dated December 19, 2013. It is safe to say that today this is the most comfortable and fastest transfer method.

Convenient and profitable for banks

For credit institutions, the issue of a “Customs Card” is an opportunity to attract new clients - participants in foreign trade activities, offering them a convenient and not yet widely used service (the payment system currently includes about 100 banks).
Why are active participants in foreign trade interesting for banks? At a minimum, the fact that most participants in foreign trade transactions have a fairly high amount of money turnover, so the bank will be able to earn non-interest income not only by issuing and restarting cards, but also by charging a transaction fee (from 0.1% to 2% of the transferred amount) , but also providing other services to wealthy clients. For example, RKO and DBO. These two services allow you to quickly transfer funds from your current account to the “Customs Card”. Another service is an overdraft on the client’s card account. Banks can also offer interest on account balances and other services, additionally earning interest and non-interest income from this, as well as using them as one of the sources of funding.

Types of payments and features that should not be forgotten

The list of operations available to holders includes payment of all fees and duties online with the possibility of personal control and a guarantee of safe spending of funds. The option is relevant in various situations, including:

• registration of cargo declaration;
• making payments using a receipt order;
• receipt of excise stamps by importers.

All taxes, penalties, fines, as well as other types of payments, the collection of which is the responsibility of the customs authorities, can be paid using:

• personal account, available both on the SVD server website and in the mobile application;
• electronic declaration program;
• POS terminals installed in offices or at checkout points.

It is worth noting that the “Customs Card” payment system is a universal solution, thanks to which the ELS balance is automatically replenished, taking into account the mandatory compliance with budget classification codes. MARINE BANK clients who actively conduct commercial activities with foreign partners can always count on additional privileges and profitable services by choosing one of the suitable tariffs (categories “Professional” and “Premium”, valid for 24 months each), differing in the amount of commissions.

How does the setup happen and what is the preparation?

According to accepted standards, the rules for using the “Customs Card” payment system provide for the mandatory binding of an electronic digital signature certificate. In absolutely any of the operating modes, be it uploading reports or signing requests, the payment method must be associated with the owner’s data.

To fulfill this condition, it is enough to contact the specialists of the MARITIME BANK and clarify information about connecting the “Personal Account” option, to access which you will need to activate SMS and email notification. Request a login and password for your personal profile, which will be sent to your mobile phone number or email address. Once you receive your account information, you can log in and get started.

Application

The algorithm for organizing the declarant involves performing a number of sequential operations:

• Opening an account in SEA BANK, which is one of the participants in the system.
• A plastic card is usually issued to a responsible employee of the company.
• Registration of an electronic digital signature certificate (EDS) (in case of its absence).
• Submit an application online indicating the requested information.

After the registration procedure is completed, all created requests signed with a registered digital signature will be paid with funds from the linked account. It is important to note that the rules do not allow multiple bindings, as well as combining one signature with different cards.

Automatic issuance of payment requests

Submitting a declaration of goods involves the appearance of a dialog box, at the bottom of which there is a list that allows you to select your preferred system. In our case, this is a “Customs Card”, and then arrange both a separate payment of fees and in combination with other payments (excise taxes, duties). In addition, you can set the option to post each transaction as a separate check.

To activate the delayed sending function by time, check the appropriate box, and then indicate the required deadlines in the unlocked form. The basic scheme is programmed to automatically send a declaration after receiving a check, but in situations where there is a time zone difference, or work is carried out at night, the option allows you to designate a time frame that suits the needs of the organization.

In the settings system, the “Write checks” function determines the optimal moment to make adjustments to columns “B” and “Inventory”. By default, the most effective option is already installed - just confirm the operation, after which the program will go into standby mode for room reservations, and a modal window will appear on the screen. The duration, as a rule, does not exceed a minute - the cargo declaration is automatically filled in with the received data, and after signing the digital signature, it is included in the queue for shipment.

After opening the procedure, the document is assigned the status “Pay the fees” - the responsible employee for whom the microprocessor “Customs Card” is issued must press the “zipper” button again, or select a message from the list marked in yellow. The program generates a request - in this case, no adjustments are required, you just need to verify the declared amount and confirm the payment. The information is sent to the service terminal, where it is checked for completion, and if there are no errors, it is the basis for debiting funds.

Pre-reservation of check numbers

The functionality of the service also allows for registration in the reserve, which is carried out before the start of the main procedure for filing a declaration, and allows you to save time. When you activate the option to create a requirement, the program will display the corresponding question. This tool allows you to pre-enter information about checks in section “B”, after which changing the DT will not be necessary until the production is released, which is convenient in situations where the tasks of filling out and paying are not carried out by the same employee of the company.

It is worth noting that in cases where, after making a payment, there is a need to send adjusted customs documents, the reservation has no practical value, since the system requires them to be re-signed. Such circumstances are usually associated with:

• sending a declaration without indicating payment numbers in column “B”;
• completing the transaction 24 hours after receiving the reserve;
• cost adjustment and the need for additional payment.

To resolve the issue, just select the “Just pay” option during the manual creation of requirements, and then indicate the check number in section “B”.

Payment of recycling fee

Another function of the service is making payments established by the legislator as compensation designed to ensure the environmental safety of the environment that is negatively affected during the operation of vehicles.

The algorithm for meeting existing requirements is not particularly difficult. The corresponding document is generated as part of the declaration procedure. By opening the payment system menu in the “ED Messages” tab, select the option to create a request, after which a recycling fee requirement will be generated for each specified vehicle.

Manual payment

In situations where the transaction method is unknown at the time of opening, manual submission of requirements is allowed - for this you need to indicate that the payment system will not be used when declaring. It is worth noting that this option is displayed in the modal window only when the setting is activated, which determines the priority of the choice in favor of the “Customs Card”. In the future, when the need arises to make a payment through an automatic tool, simply create a request again by selecting the appropriate section of the program interface.

Payment online in your SVD-Server personal account

Within the framework of the activities of a single organization, it is allowed to use a setting that provides for signing through an account. In this case, the information is sent by default without digital signature. Technically, the procedure does not differ from the standard protocol, with the exception of the final stage, where instead of a menu with a choice of signature, the payer is offered a notification about waiting for confirmation of the operation by the responsible person, indicating contacts for prompt communication.

The server saves all created requests until they are signed in your personal account. To complete the process, log in to the official website of the system using the account information provided by the administrator. The list of transactions in pending status is available in the “Customs Payments” section - to verify, just click on the check number, then go to the list at the bottom of the form that appears and select the appropriate signature.

Open an account and get up to 6% on your account balance!

Blocking of current account due to Federal Law 115

Blocking a current account under Federal Law 115 means completely blocking the importer’s current account. Currently, banks have enormous powers and can control the funds of companies. In case of questionable transactions on accounts or transfer of huge amounts. This usually happens when huge sums are received by a particular bank or amounts that are higher than other depositors. For example, several companies have a million in their current accounts, and another company received 20 million. And the bank blocks this current account, citing 115 Federal Laws. It turns out that, regardless of the importer’s integrity, the bank blocks the account and requires the provision of a certain package of documents. Usually the blocking is carried out by Financial Monitoring. Each bank has a separate department that monitors all transactions for the dubiousness of these transactions, and Financial Monitoring very often decides to block current accounts of companies, citing 115 Federal Laws.

The process of collecting documents and submitting them to the bank takes about a month. The importer finds himself in a very difficult situation when his accounts are blocked. In this situation, only a customs broker can help the company .

Advantages

Using a means of payment allows you to quickly fulfill all the requirements imposed by customs - the system cards provide the ability to make payments around the clock, allowing simultaneous processing of declarations at several points at once. The transaction is carried out along with the submission of documents, and when adjustments are made, you can make an additional payment of the difference without stopping the process. Positive aspects also include:

• Elimination of advance payments before registration. Cardholders do not face the problem of maintaining a deposit balance, and also do not need to obtain bank security guarantees.
• Electronic declaration option. All accompanying documentation is generated and provided to government agencies through a single service “Online Declarant”, which guarantees the safety of data and free access to the necessary information.
• Constant monitoring of the account status and prompt notification of completed transactions. Customers receive automatically generated messages and can also set limits on certain types of payments.
• Possibility of simultaneous carrying out of several operations. The system allows the use of various types of “Customs Cards”, bound by a common spending limit.
• Carrying out payment remotely together with filing a goods declaration. Remote control of the procedure allows you to register accompanying documentation and receive an official confirmation certified by an electronic digital signature and containing payment details.
• Safety and reliability. The service settings do not allow the transfer of funds to third-party accounts that are not related to the Federal Customs Service, excluding erroneous or deliberate misappropriation.
• Availability of a free application, compatible with mobile devices running on Android and iOS, providing convenient tracking and timely completion of all actions.

Connecting to the service allows you to make payments using POS terminals installed in the office of organizations and at customs points, as well as remotely - from the workplace of the employee responsible for declaration.

Banking terms and conditions

Banks charge a monthly fee for transactions using a customs card. Its value depends on the monthly volume of customs payments made. The higher the turnover, the lower the commission. On average in the market it varies from 0.2% to 1.5% of the payment amount.

Also, credit institutions fix in their tariffs the minimum amount of commission paid. The higher the turnover on the card, the higher this amount. For example, the size of the commission at Absolut Bank for a turnover on a customs card of 1-5 million US dollars will be 0.3% of the turnover, but not less than 45 thousand rubles, and for a turnover of 100 thousand to 1 million US dollars - 0.4%, but not less than 15 thousand rubles.

This is interesting:

What are the customs procedures of the EAEU Customs Code?

List of documents for registration at customs of a new participant in foreign economic activity (foreign economic activity)

Changes to Federal Law 289 on customs regulation and what to expect from them

How to apply for a “Customs Card”

The registration algorithm provides a simple sequence of actions:

1. Sign an agreement with the MARITIME BANK, choosing the terms of cooperation that suit you and the favorable service rates.
2. Fill out the application, indicating the desired category. The payment instrument is registered in the name of an organization, the details of which are entered into the database of the processing center and are also stored in the chip.
3. Connect following the instructions provided on the system operator customscard.ru.
4. Issue a specialized digital signature confirming the authority of the declarant to carry out transactions on behalf of the company.
5. Indicate in the account the employees who have access to use.

Documentation

You can clarify the list of documentation required for receipt, as well as fill out an application for issue online - just fill out the form presented on the page of the official website of the MARITIME BANK. Do not forget to check the box indicating your agreement with the Privacy Policy so that your request will be processed by specialists as soon as possible.