How to receive a receipt for payment of housing and communal services through Sberbank online

What can you pay?

There are no restrictions on servicing receipts in Sberbank Online, so in fact you can pay for any services. These include:

• Kindergartens and preschool education groups.
• Housing and communal services.
• Water supply and heating networks.
• Gas.
• Home Internet and telephony.
• Digital television.
• Electricity bills and intercom use.
• Management company services.
• Traffic police fines.
• State duties.

The only condition: the user must know the details of the organization, otherwise the transfer of money will be impossible. However, this problem is easily solved: the necessary information is usually indicated on the receipt itself. Moreover, some payment documents have a QR code designed to be scanned and simplify the procedure for paying for services.

Payment by QR code through the Sberbank application Online housing and communal services receipts

Initially, I was not impressed by the suddenly ubiquitous black and white squares with a chaotic pattern. For a long time I rejected them and did not want to keep up with progress.

But whatever one may say, curiosity got the better of me and having tried it once, when this technology had already been introduced everywhere, I realized how convenient and easy it is to use.

This work is dedicated to the goal of sharing the ability to pay for everything your heart desires using a QR code, from housing and communal services receipts to online purchases.

What is a QR code

Most of you have seen a mysterious pixelated square in the corner of the piece of paper on your utility bill.

In appearance, for a person it is an interesting drawing, but for technology and electronics it is a source of information, a kind of flash drive printed on paper.

In essence, such a square has a similar application as a standard barcode, as well as much greater potential and functionality.

A small black and white image contains thousands of pixels that form an interesting pattern, all arranged randomly. You will not be able to find several identical codes; such technology can be compared to a human fingerprint. The main use of such codes is to automate payment processes and enter details, but this is only one function.

This technology was first developed in Japan in 1994 to encrypt messages and information. Only twenty years later, this method of data encoding became widespread throughout the world.

And this is not surprising, because a huge amount of information can be hidden in a small picture. Manufacturers of various goods and services use this - it is much easier to place a small square code on the packaging than to write down the characteristics of the product in text.

It’s easy to include a link to a specific network resource, payment details, background information and much more in a pixel art.

To extract data from a QR code you need a special reader. Currently, any code can be scanned using a mobile device. This requires:

1. Download and install the appropriate application for reading data. There are many different freely available utilities available on the Internet.
2. Launch the program and point the camera at the encoding.
3. Then everything depends on the data encrypted inside; if a link is stored in the QR, then after extraction you will be instantly transferred to the specified site on the Internet.

Similarly, each consumer can create their own unique encryption using special applications.

Enter the link and the system will automatically generate a unique code for you. This technology has gained great popularity in the financial sector. What are the benefits of using codes:

1. It's comfortable. A small image stores a lot of information. Some banking organizations allow you to withdraw funds from a card using a pixel image. This means that you do not need to carry a wallet and credit cards with you; you just need to touch the QR to the reader on the terminal.
2. High time savings. Scanning occurs in just a few seconds. You don't have to manually enter payment details to pay for utilities, which makes life much easier.
3. Easy to use, no advanced gadgets with an NFC microchip are required.

It was not possible to avoid shortcomings. Among them, we can highlight little popularity among consumers. Not all mobile devices can work with this technology, especially if they do not have a built-in camera.

What operations can be carried out using a QR code?

The list of functional capabilities of this technology is very extensive. With its help you can:

1. Make remote payments for utilities.
2. Pay loan obligations from banks.
3. Transfer funds to another account.
4. Withdraw funds from special terminals. A similar method of receiving money was developed by Tinkoff Bank. To make a withdrawal, simply tap the code on the ATM reader and receive the specified amount.
5. Pay for home Internet and communications.
6. They are often placed on goods and products in stores; after scanning, you will find yourself on the official portal of the manufacturer. In addition, it has become popular to insert a pixel square into advertising leaflets.
7. It is used in the tourism sector. In museums or attractions, QR tags are placed that provide detailed information about the exhibit.

Attention! A similar method has been used by scammers who hide virus programs and Trojans in them. After reading, your mobile device will pick up the infection. Therefore, you should be careful about the pixels on advertising, especially in the online space.

How to pay for services

Carrying out financial procedures or transactions is the main area of ​​application of encrypted images. They greatly simplify the process of entering details or payment information. Below we will analyze in detail the features of paying a receipt from housing and communal services by code. To do this, you don’t even have to leave your apartment; the procedure can be carried out online using a mobile device.

Through Sberbank Online

So, you have received a payment receipt from the utility service, it shows a QR symbol. To calculate it, use the official Sberbank Online application:

1. Download and run the utility on your smartphone or computer. It is free and publicly available on the website of a banking organization or in any software store.
2. To use the application you need to become a client of the organization and have a bank account or card.
3. Log in with your account.
4. In the main menu, find the payment section.
5. Scroll down the page and you will see the item – transaction by QR code.
6. If you click on it, a square area will appear on the display into which you need to place the pixel art using the smartphone camera.
7. After reading, you will go to the payment page. All the details of the receiving party and the specified payment amount will be listed here.
8. Select the account to make the transfer and confirm.
9. Receive a receipt; if desired, you can save it on your mobile device or send a receipt by email.

The whole procedure will take you no more than two minutes; it is only important that there is a sufficient amount on your balance for payment. This is much easier than entering the recipient’s information from the housing and communal services receipt yourself.

Using a terminal

If you don’t have the Sberbank Online app on your mobile device or don’t have access to the network space, you can make a payment using the company’s ATM, but only if it has a special scanner in its design. Currently, almost all terminals are equipped with similar technology. To pay for housing and communal services, follow the instructions:

1. Find your nearest ATM.
2. Insert a bank card into the slot and enter the security password.
3. In the main menu, select the payments section.
4. On the next page, find the QR code transaction tab.
5. After this, the scanner will light up, bring your receipt to it and hold it until the terminal reads the code.
6. The display will display the details of the recipient of the funds; carefully check the accuracy and write down the transfer amount.
7. Confirm the payment and be sure to collect the receipt. Do not throw it away until you are sure that the specified amount has reached the recipient.

This completes the process.

The article discussed in detail how to pay for services through Sberbank Online using a barcode and at self-service terminals.

If you are unable to complete the transaction yourself, then contact the nearest branch of your bank and ask for assistance from available specialists and pay at the cash register.

Currently, this technology is gaining new momentum and greatly simplifies the life of the consumer.

Payments by barcode

This option is available to smartphone owners who have installed the Sberbank Online mobile application. QR codes are designed to optimize remote payments and help avoid filling out the details of the recipient organization manually. The following scheme is used here:

• Login to the application.
• Select the “PAYMENTS AND TRANSFERS” section, then “ORGANIZATION TRANSFERS”.
• If the smartphone supports the scanning function, the user will see the message: “SCAN BARCODE.”
• After this, you need to turn on the main camera and take a photo of the barcode.

It is important to understand that the photo must be clear so that the system can recognize the recipient’s details. After the completed manipulations, all that remains is to indicate the amount and confirm the fact of payment.

Alternative payment methods for receipts

When wondering how to pay a payment order, if it is not possible to use Sberbank Online, then several additional options are provided. This includes payment via QR and barcode using various options.

Payment order

ATM

To deposit funds into an organization's account via an ATM, you need to:

• Sign in;
• select the necessary services from the menu - housing and communal services, taxes, fines;
• select a company from the list or use the form to enter recipient details;
• confirm actions and make payment.

The ATM will issue a receipt confirming the procedure has been completed.

Payment using a barcode through an ATM involves almost the same steps, except for entering the details. You need to find a special terminal equipped with a reader. When selecting a group of services, you need to click on “Payment by barcode” and present the receipt with the corresponding side to the scanner. After this, all details are filled in automatically, and the user only needs to enter the amount and pay for the services.

Payment instructions

The technology for making payments does not look like a complicated procedure. To do this you need to do the following:

• Log in using your personal ID and password.
• On the main menu page, find the item “PAYMENTS and TRANSFERS”, this section is located at the top of the page.
• Go to the subcategory “PAYMENTS FOR PURCHASES AND SERVICES”.
• Select the purpose of payment: housing and communal services, fines or government services.
• Select the desired organization from the list provided.

Next, fill in all the necessary fields where the payment parameters are indicated: company details, amount. After this, a confirmation code for debiting funds is requested, which must be entered in the appropriate field, and the payment is considered completed.

Situations when the required company is not on the proposed list will look somewhat more complicated. In this case, the funds transfer scheme will be slightly different.

In particular, by going to the “PAYMENTS AND TRANSFERS” category, you will need to select a sub-item called “ORGANIZATION TRANSFER”. Here, all relevant data from the payment is entered into the appropriate fields: INN, BIC, account number and card for debiting funds. After this, press the “CONTINUE” button, the payment data is verified, and the amount to be paid is indicated.

After this, a confirmation code is sent and funds are credited. If the operation is successful, its current status “COMPLETE” appears on the screen.

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When choosing a payment method for services, you need to take into account the positive aspects of remote operations:

1. Save time. To pay for services, you do not need to visit a branch of a financial institution or stand in line. Payment in Sberbank Online takes 10-15 minutes.
2. Easy to fill out the request form. The system automatically checks the entered details, which minimizes errors.
3. High security. The remote service securely stores information about user transactions. Low probability of data theft.
4. Payment transactions via Internet banking are carried out with a minimum commission.

Sberbank Online is a convenient online bank that serves clients around the clock, seven days a week, seven days a week.

https://www.youtube.com/watch?v=qNQSFl6TrFc

Payment by receipt via Internet banking requires the following steps:

1. Log in to Sberbank Online. To authorize the user, the system will require you to enter a personal identifier and password. The owner of the Savings Bank card receives login information when issuing plastic and registering in a remote service.
2. Encrypted messages will be sent to the mobile number linked to the banking product. Enter the characters in the appropriate column. It is impossible to enter your personal account without a code.
3. At the top of the screen there is a horizontal list of sections. Click on “Transfers, payments”.
4. Depending on the purpose of the payment, select a category in the section about payment for services.
5. Go to the page of the organization to whose account the money will be transferred.
6. Fill out the form indicating the company details, payment amount, card for debiting funds.

If there is no company on the list, you can pay for services in the following sequence:

1. After clicking on the payment link, select “All transfers” – “Organizations” in the horizontal menu.
2. Follow the link “Payment by details or receipt”.
3. Under the inscription “Recipient”, write down the account number, INN, in the “Recipient’s Bank” section of the institution’s BIC. The data is indicated in the payment receipt.
4. In the “Transfer” section, indicate the account and card for debiting funds.
5. In the “Payment Details” category, indicate the estimated amount.

1. Print the payer's full name, residential address, and transfer destination.

The transaction can be confirmed via SMS. A code will come in the message. The password is entered into the appropriate box. Without connecting to Mobile Bank, information from the check is used.

You can pay the receipt using the details from your phone. To make a transfer you need a QR code. The code can be found on the receipt issued by the company. To recognize the organization, a barcode is scanned. The data is used in the Sberbank Online mobile application installed on a smartphone.

The calculation procedure is as follows:

1. After logging into your account, go to “Payments”.
2. Click on the desired item: payment for services or transfer to an organization.
3. Click “Scan Barcode”.
4. Take a photo of the image on the receipt. The system will automatically recognize the code and automatically enter the company details.

1. Enter the amount to be written off.
2. Specify the card and account for transferring money.

The client agrees to transfer money using the password from the SMS message.

In the remote service of the Savings Bank, settlement transactions are carried out without charging a commission if the financial institution has formed a partnership with the company to whose account the money is transferred.

If there is no partnership agreement, no discount on services is provided. Each settlement transaction is subject to a 1% fee.

For those who are interested in how to pay a receipt through Sberbank online, the following is an algorithm of actions:

1. While in your Personal Account, open the “Transfers and Payments” section (button at the top).
2. In the “Payment for purchases and services” subsection, you should select what you need to pay (housing and communal services, taxes, fines).
3. In the menu that opens, select the organization to which you want to transfer the amount.
4. Enter the details in the appropriate fields and check that the entries are correct.
5. Confirm payment via SMS message.
6. Enter the code from the message received on your phone in the appropriate field.
7. Wait for the money to be transferred (this often takes a day).
8. Optional step: print out the receipt.

First step

To pay receipts through Sberbank Online, you must log in to the system and link your bank card. This is a simple procedure that can be performed in two ways:

1. Get a printout with your login and login IDs from the nearest ATM.
2. Send the word PASSWORD to number 900.

In both cases, it is assumed that the user has . The received data is intended for secure access to the system. In addition, each time an attempt is made to log into Sberbank Online, the user will be sent a confirmation code, which completely eliminates unauthorized access.

To pay for receipts and other services, you need to follow the link and log in. In addition, you can install the mobile version on your smartphone by downloading a free application through the Play Market or AppStore.

Advantages of paying receipts through Sberbank Online

So, let's look at the main advantages of why paying receipts through the Online system is so easy.

• First of all, it is, of course, convenient. After all, this service, if you only have the Internet and a computer, can be paid for from anywhere in the world. In addition, you can always create a template, and then you will not have to enter the receipt details every time.
• Plus it's very fast. You don't have to go anywhere, leave your apartment or work. And all payments are calculated in real time.
• And of course, we must not forget about safety. So, every time you log into the online system, you confirm your actions with a one-time password, and payments can always be monitored via SMS.
• And of course, it should be noted that this is beneficial. Compared to a bank, payments here are much lower than if you did it through a bank specialist.

About enrollment deadlines, commissions and limits

Regardless of the payment method and the nature of the transaction, the period for crediting money to the recipient’s account is the same. The period for receiving funds is up to 3 business days, but in most cases the transfer is processed within a few minutes or hours.

The limits on transactions in Sberbank Online are high and amount to 1 million rubles per day, but the operator can freeze the payment until it is confirmed by phone. As a rule, if the amount is more than 100 thousand - 500 thousand rubles, the payer is called on his mobile phone linked to his personal account. You can transfer no more than 15 thousand rubles at a time through an ATM or terminal, but the number of cash transactions is not limited. There are no limits when paying through the cash register, but you must have a civil passport with you.

The amount of the commission fee depends on the type of payment and transfer method. So, for servicing at the cash desk, the bank charges about 1.0-2.0%, a minimum of 30-50 rubles, the maximum amount will not exceed 2 - 3 thousand rubles. There are no or 1% fees for online banking and the mobile app. This factor is not averaged and depends on the recipient of the money, so when paying you should carefully look at what fee will be charged.

Payment by QR code: how to make payments?

Payment by QR code is a modern type of transaction that is gradually replacing standard payments by bank card or using NFC.

This is explained by the high speed of such operations, a guarantee of confidentiality and minimal requirements. To make a payment, you can use the simplest phone.

It is enough that it has a camera and an application for conducting financial transactions by scanning a QR code.

Payment by QR code is gaining momentum in Russia. Already today, people can pay off fines, pay for consumed housing and communal services and resolve other issues. This direction is at an active stage of development. Payment by QR code in stores is being gradually introduced, replacing NFC payments. In just a year or two, this area may take a leading position, displacing its main competitors.

Where can you make a payment using a QR code?

QR code is a matrix (2D) barcode developed in Japan and has gained popularity in different countries of the world.

Unlike conventional “stripe” codes, a graphic key is identified using a camera or sensor capable of recognizing a two-dimensional image.

The popularity of such images is due to fast reading, the ability to program large amounts of information and work without connecting to the Internet.

Today, payments by QR code from a phone are gaining momentum all over the world. In 2020, many companies in Europe and Asia accept payment using a pattern. The number of such enterprises numbers in the hundreds and is constantly growing.

Transactions using a QR code are accepted almost everywhere, from paying for a bus ride to buying a theater ticket. At the same time, in the EU and the USA, payment using a QR code in a store is not yet very common.

Asian countries, primarily Japan and China, still remain leaders.

Payment by QR code in Russia is available for the following services:

1. Payment for transport. If desired, a person can enter a trolleybus, tram or bus, find a graphic image, scan it and purchase a ticket.
2. Payment for goods and services. Today, more and more sellers offer payments using a QR code. Special signs are often placed on posters or other accessible objects. The principle here is the following. The buyer scans the pattern with a phone, selects a bank card to withdraw money and confirms the transaction. Funds are credited to the “plastic” of the seller who transfers the goods or provides the service.
3. Payment for housing and communal services using a QR code. Recently, supplier receipts have increasingly included a graphic key for making payments via mobile phone. In this case, you can avoid a long search for a bank or wasting time paying through a mobile application.
4. Payment by electronic check. The buyer scans the QR code on the digital payment instrument and transfers the required amount. The required picture is indicated near the cash register monitor or POS terminal. After the payment is made, the seller receives confirmation of the transaction and closes the purchase.
5. Calculation in catering organizations. Software developers for restaurants and cafes have created a technology that allows you to pay for services using a QR code. To receive funds, PPO technology is used with the option of generating a graphic key. The same principle applies here as for other cases - scanning, selecting a means for the transaction, completing the operation and receiving the product/service.
6. Pay taxes using QR code. This is another trend that is gaining popularity in Russia. This category also includes paying fines and carrying out other financial transactions.

These are just some of the areas covered by the new system. The development of technology is also explained by the fact that creating a QR code to pay for services or goods is a matter of a few seconds. Business representatives can easily master this technology and make it the basis for further development.

Payment of receipts and fines in the bank application and through an ATM

In recent years, paying for receipts using QR codes has gradually gained popularity. This service concerns fines, housing and communal services and a number of other areas. One of the first banks to support this option was Sberbank.

With its help, you can pay a fine using a QR code, make payments to the budget, pay for the services of a cable or mobile provider, pay tuition fees, services of a university, kindergarten, and even a section.

In addition, you can make payments for goods and services if the supplier accepts this option.

Before paying using a QR code, it is important to understand this technology and payment options. Users have two main options at their disposal - using a mobile application and through a terminal. Let's consider each of the options.

Via smartphone:

• Install the Sberbank online application.
• Log in to the program and go to the Payments section.
• Select the service you need to pay for (mobile, Internet, housing and communal services, etc.).
• Specify the option to pay for utilities or other payments using a QR code. Immediately after this, the phone asks for access to the camera to scan the information of interest. Please allow this request.

• Present the receipt with the code to the camera and wait for it to scan.
• In a split second, the system recognizes the information.
• Indicate your payment card and confirm the transaction.

Knowing how to pay a receipt using a QR code, you can carry out the operation at any time, having only your phone and the graphic key at hand.

Via terminal:

1. Find the nearest bank terminal that accepts this type of transaction.
2. Insert the card into the slot and enter the PIN code.
3. Click on the Barcode Payments section on the screen.
4. Bring the image to the scanner and wait for the image to be recognized.
5. Select the amount and click Pay.

These steps are enough to pay using the terminal. If desired, payment can be made in cash. The fee for such a transaction may vary depending on the financial institution. For example, at Sberbank, when conducting a transaction through a card or cash, only one percent is charged. For comparison, when making a transaction at the bank's cash desk, 3% of the amount is taken, but not less than 30 rubles.

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Is it possible to pay in stores?

Today there is a lot of discussion about how to enable payment at retail outlets. In the summer of 2020, information circulated on the Internet that the Central Bank would make payments using QR codes free for retail outlets.

A preferential rate of 0% is established for representatives of all types of businesses, provided that they accept payments using a graphic key. In the future, it is planned to differentiate tariffs for different types of business.

The new rules will come into effect from the beginning of 2020.

Payment by QR code has been available in Russian stores for a long time. For now, banks have a preferential tariff, but in the future they will pay the Central Bank of the Russian Federation from 50 kopecks to 3 rubles per transaction. Trading companies will receive a commission of up to 0.4%, and the maximum mark should not exceed 1%.

Reducing the cost of payment by QR code is aimed at the gradual introduction of technology into the sales sector. People get the opportunity to pay for goods and services using a graphic key, having a phone with a camera and a QR scanner at hand. The innovation is also beneficial for business. For comparison, when paying by card, entrepreneurs pay up to 1.5%.

The new system has been officially introduced since 2020, but actually came into effect only in the fall. For now, the number of available points that accept payment using a graphic key is limited.

In the future, it is planned to expand this area and connect all major banks to the program. The latter should be interested in low commissions and the possibility of transferring clients to non-cash payments.

The trading system is gaining popularity in large companies, supermarkets and other retail outlets.

Payment Process

Let's look at how payment via QR code works. The algorithm of actions is as follows:

1. Anna has chosen an item worth 6,000 rubles in a supermarket and is heading to make a payment.
2. The cashier scans each purchase and generates a total invoice, after which he creates a QR code on the display near the POS system.
3. Anna opens the transaction program on her phone, scans the pattern and makes the payment.
4. The cashier sees the receipt of money and prints out the receipt.
5. Anna receives a message about the completed transaction in the form of SMS or Push message in the program.

As you can see, this method is similar to payment using NFC. The difference is that the requirements for the phone are more flexible.

What receipts can be paid through Sberbank

Through Sberbank you can pay any receipts - taxes, fines, bills for housing and communal services, visits to educational and preschool institutions, state duties, as well as goods and services addressed to commercial organizations.

There are several ways to pay a receipt through Sberbank:

1. in online banking;
2. through a mobile application or via phone;
3. at the register;
4. at an ATM or payment terminal.

The procedure in each case is slightly different, but to transfer funds you need the same details - the recipient's account number, BIC, for taxes - KBK, for fines - the resolution number. In all cases, you must indicate your full name. payer. If a third party transfers money, he indicates not his personal data, but the person to whom the invoice is issued.

Sberbank QR code | Payment by QR code through Sberbank

Sberbank was among the first among domestic banks to provide its clients with a new service in the form of the ability to pay using a QR code.

This payment option is available in the mobile application of the Sberbank Online Internet bank, as well as in the organization’s terminals equipped with a reading device.

Payment using a QR code is comfortable and profitable for customers, which quickly made it one of the most popular financial transactions.

A QR code is an encrypted link containing payment or any other details of an organization that is a seller or manufacturer of goods, as well as a service provider.

The encrypted information is intended to be read by various technical devices in the process of making a payment or identifying an item on which the code is applied. In other words, the user does not need to manually enter the name and TIN of the payment recipient, his bank details, etc.

– since all necessary data is recognized automatically. The name comes from the English term Quick Response code, which is translated into Russian as Quick Response code.

The QR code was developed in Japan and has a square shape. In fact, it is a type of barcode, although in Russia the latter is most often understood as a rectangular strip with numbers located under it.

Over the past 2-3 years, QR codes have been widely used in the work of a variety of companies and individual entrepreneurs, successfully competing with a conventional barcode that is less convenient in practical use. Today, both variants of codes can be found, for example, on almost any receipt or invoice.

There are two most widely used types of QR code:

1. Dynamic (or “live”). The information contained in the encoded link is edited without adjusting the code itself. When scanned by a technical device, it sends it to an intermediate server, where the necessary details are stored. To change them, it is enough to adjust the data stored on the staging site.
2. Static. In this case, no intermediate site is used, since all the necessary information is encrypted directly in the QR code.

Each type of code has both advantages and disadvantages. The first option is more universal, therefore it is actively used where serious commercial or investment expenses are involved. The second one is simpler and more convenient, and as a result, it is widely used in free services and budget products.

Scanning algorithm

Scanning means reading the information contained in the code using a special technical device. Currently, several options for scanning QR codes are used, although their number is quickly replenished with new technical devices:

• smartphone equipped with a built-in scanner. This option is used when paying through the Sberbank Online mobile application. Today, devices from all leading manufacturers running both iOS and Android are equipped with scanners;
• mobile applications designed for installation on smartphones. They are usually hosted on Google Play or the App Store and are available for free download;
• special programs that are installed on both mobile devices and computers. Some of them are built into browsers, for example, Yandex.

Advantages and disadvantages

The only drawback of the QR code is the fact that its reading and practical use requires additional technical devices. On the other hand, today almost everyone has a smartphone with a sufficient range of capabilities for this.

The QR code has many more advantages:

• minimum manufacturing cost;
• a simple, but at the same time seriously protected encoding standard;
• a large amount of stored information, much larger than a regular barcode;
• convenience and efficiency of payment;
• Possibility of use even if the QR code is partially damaged.

What can you pay with a QR code?

The use of a QR code provides a convenient and quick opportunity to make a wide variety of payments and transfers, including:

• housing and communal services;
• fines from the traffic police and other structures, for example, the FSSP;
• taxes, duties and other obligatory payments to the budget;
• kindergarten receipts;
• repayment of loans;
• accounts for transferring funds to third parties;
• mobile communications and Internet traffic;
• any other payments for documents that contain a QR code.

The step-by-step procedure for paying a receipt using a mobile application and QR code using Sberbank Online is as follows:

• First you need to download and run the application. Download links are available on the bank’s website;
• then you should register in your Sberbank Online personal account;
• after authorization, you need to sequentially go to the sections “Payments and transfers” / “Payments” / “Payment by QR code”;
• activate the scanner by pressing the button with the QR code icon;
• place the code in the rectangle that opens and wait until the payment details are displayed on the screen;
• fill in the remaining payment details, such as the amount and source of funds, and then complete the payment transaction by entering a one-time password.

The option described above for paying Sberbank Online using a QR code is the most popular. An alternative method involves using a self-service terminal.

To make a payment, you need to find a self-service terminal equipped with a reading scanner. Further user actions look like this:

• insert a Sberbank card, then enter the PIN code;
• go to the menu subsection “Payment for services”
• select a payment option with scanning a code;
• scan by presenting the receipt to the reader;
• enter additional information for payment;
• write off funds from the card or insert the required amount of cash.

Service cost

An important argument in favor of using a QR code is the absence of additional fees. In other words, the cost of the service is determined by the initial tariffs for this payment. For example, when using Sberbank Online, the commission for paying utility bills is 1%. Using a QR code does not increase this tariff.

When making a similar payment from the card balance using an ATM, the Sberbank commission is 1.2%, but not more than 500 rubles. The use of a QR code also does not affect the indicated tariff.

Payment security

The QR code system provides a high level of security for all participants in the process - both buyers and sellers. Moreover, a sticker on a product or receipt “Pay QR” means that the counterparty has been verified by Sberbank, and its details are entered into the mobile application database.

Don't forget about other basic safety rules not related to QR codes. The main ones are maintaining the confidentiality of personal data, which is achieved through careful and thoughtful actions of the Sberbank client himself.

Payment automation – creating an auto payment or template

Automatic payment is convenient for all transactions performed regularly. Moreover, it can be in two versions:

• A transfer made with a specified frequency (on a certain date of the month, once a week, once a month). Suitable for transfers of fixed amounts.
• Payment is made when the payer is billed (for example, for utilities) or when the account balance reaches a specified minimum (like autopayment for mobile communications).

You can connect automatic debiting of funds to almost any payment - taxes, rent, communications, transfers to individuals, etc. The service does not require additional fees and is confirmed via SMS before each transfer.

Additional features

Thanks to the system resources of Sberbank Online, you can simplify the process of making payments as much as possible. In particular, you can create a template and pay for services according to basic parameters. This practice can be used for any form of payment, for example, paying a subscription fee for a landline telephone or paying for a child’s visit to kindergarten. In such cases, fixed amounts are used, so there is no need to constantly enter repeating data.

In addition, you can simplify the payment process thanks to the “OPERATION HISTORY”. Data about all completed transactions is stored here. To make a similar payment, you need to go to the transaction archive, find the desired form of payment and select the “REPEATE PAYMENT” item.

In addition, in this section you can print receipts confirming the fact of payment of issued invoices. Considering that sometimes controversial situations arise, this function will be very useful for protecting your own interests.

In general, Sberbank Online provides users not only with maximum comfort, but also with the security of money transfers.

How to print a check in Sberbank Online

Today Sberbank provides its clients with the opportunity to make almost any payment transactions online. To do this, just register in the Internet banking system. It is called Sberbank Online.

When paying for purchases, utility bills, telephone, Internet and other things, clients, as a rule, receive checks and receipts that can be stored and provided if necessary. When working in the Sberbank Online system, no one issues such checks; they appear in electronic form. But the client always has the opportunity to print them at any time. Today, unfortunately, not everyone knows how to print a check in the Sberbank Online system.

Step-by-step instructions for receiving a check through your personal Internet banking account

Only registered clients who have a card at the bank and have activated the mobile banking service can use the Sberbank Online system. You can obtain login information for your personal account and activate the mobile banking option at a Sberbank branch.

If a client has a question about how to print a check in the Sberbank Online system, it means that he is already a user of Internet banking and probably knows how to make payments there. As for printing a receipt, this procedure is quite simple. You need to act in the following sequence:

1. First you need to log in to the system.
2. Then at the top you need to find the payments and transfers tab.
3. A menu will appear on the right in which you need to click on the history of transactions in Sberbank Online.
4. Next, you need to select the operation for which you want to print a receipt. In the operation status, click on the print receipt button. This will complete the procedure.

Is it possible to print a receipt for any transaction?

As in life, the client can receive a check after the operation is completed. So, in a store a receipt is issued only after payment for the purchase. Therefore, you can count on printing a receipt only if the operation has the “completed” status. Otherwise, it will be impossible to print the receipt.

Don't forget that you will need a printer to print. You first need to connect it to your computer, and only then print it out. When transferring payments in the Sberbank Online system, a special execution stamp with payment details is placed on the receipt. On others it may not be there.

Payment of housing and communal services receipts in Sberbank Online: instructions.

One of the easiest ways to pay a housing and communal services bill is the Sberbank online payment system. This is not only the ability to make payments, but also, if necessary, print documents that confirm payment. This receipt is an official document.

Sberbank today cooperates with a large number of organizations and institutions; despite this, situations may arise when the required supplier is not included in the list proposed by the Sberbank system. In this case, the client of the financial institution has the opportunity to pay the state duty receipt and other services through Sberbank online.

How to pay housing and communal services online

First of all, you need to log in to your Sberbank Online personal account.

We go to the “Payments and Transfers” tab, we see a list of categories for payment, from which you need to select the one you need.

In the category, you must indicate the recipient by selecting from companies providing these services in your region.

In our example, among electricity suppliers in the city of Moscow.

On the page that opens, you need to indicate your personal account and payment amount - this information is in the receipt sent to you.

Next, you check all the details and confirm the desired operation with the password sent to the phone linked to the card via text message.

Information about the successful payment and a button to print a receipt will appear on the screen.

If you need to confirm the fact of payment in the future, you should print a receipt. You can also save the details in the template in case of future payment in favor of the same organization or even set up autopayment to automatically transfer the required amount to this organization.

So we figured out how you can pay a receipt for utilities through Sberbank online.

Payment via mobile application

Sberbank credit and debit card holders can conduct transactions through an application called mobile banking. To do this, they should install special software on their smartphones. Customers will then have to register accounts, after which they will receive login passwords.

READ Payment for an E-cabbage loan through Sberbank Online and other Sberbank tools

If an individual wants to pay for housing and communal services through a mobile application, he must proceed as follows:

1. Authorization in the system is carried out.
2. Login to your personal account is made.
3. Select the section called “Payments”.

   

4. You need to click on the “Housing and Communal Services” button.
5. The proposed list contains the service that must be paid for.
6. An organization is selected to whose account the money will be transferred.
7. The personal account number is entered into a special window.
8. All details are indicated.
9. If an individual has meters installed at home, their indicators are entered.
10. The financial transaction is confirmed.

If a Sberbank client plans to make similar payments in the future, he should save the draft. In this case, if the need arises, you can complete a transaction with one touch.

Remote payment methods and instructions

There are several methods for paying invoice notices through Sberbank:

• through your personal account - on a PC or in a mobile application;
• via SMS;
• at an ATM or terminal;
• through the cashier-operator.

Let's take a closer look at the step-by-step instructions and nuances of performing transactions.

Payment through Sberbank Online or in the mobile application

Owners of Sberbank plastic cards can make payments remotely in their Sberbank Online personal account. To do this, you will need to connect your mobile bank and create your profile in the system, if this has not been done previously.

Further procedure:

1. From the main menu of your personal account, go to the payments section.
2. Here the system offers you to select the appropriate section by topic - taxes and fines, housing and communal services, goods, etc. If you have a receipt, you can select the last one “Didn’t find a suitable item, but do you know the details?” Through it, you can make payments using the details from the invoice notice, even if the recipient’s data is not in the Sberbank database.
3. In the new window, you should enter the recipient's account number, INN and BIC - all this data is usually written down on the receipt. They can also be requested in person or found in the service agreement.
4. Select from the drop-down list the card from which funds will be debited.
5. Indicate the type of service, your personal account from the receipt, enter the payment amount.
6. Confirm the operation with an SMS code.

This is the standard payment method for any receipt. If you need to pay a tax or fine, it is better to go to the appropriate section from the “Payments” menu, this will simplify the process of processing a payment order.

If you save the payment as a template in your personal account, then the operation can be repeated by creating an automatic payment and sending a command via SMS message to number 900. The method will allow you to pay taxes, loans, housing and communal services, garbage and other types of bills. In the text of the SMS you need to indicate the name of the template, in response you will receive a message with a code, it is also sent to number 900. After that, the money is debited from the card. If there are several cards, then at the end of the SMS you should write down the last 4 digits of the number of the one with which you want to pay the bill.

Through an application for mobile devices, the operation is performed in the same way, only on the phone. The user goes through the same sections of his personal account, enters details and confirms the payment.

The phone has an additional function - payment by QR code. In order not to enter details, just click on the “Scan barcode” button; it will appear above the fields for entering the account number, INN, BIC. The code is scanned through the device’s camera, after which all that remains is to check the entered data and confirm the operation.

How to pay a receipt through a terminal, ATM, or at a cash register

When using an ATM, you must have a Sberbank card; payment through the terminal is made in cash. Device menus, as a rule, do not differ significantly, but remain intuitive, regardless of the model and type of software.

If the receipt has a barcode, then making payment is very simple:

• Insert the card into the ATM (this step is skipped for terminals).
• In the menu you need to find the payments section, then the item for payment by barcode or qr code.
• Apply the barcode on the receipt to the infrared port. When the system reads it, the device will emit a light and sound signal, and the screen will display a payment order with the recipient’s completed details.
• Check the entered data and make adjustments if necessary.
• Deposit cash into the card reader or confirm the debit from the card.
• Pick up the payment receipt.

In this way you can pay any bills, taxes, fines, penalties, and state duties. After reading the code, the system will automatically determine and set the type of payment and recipient. Sometimes the service asks you to enter your passport details, so you need to have the document or its data with you.

Sometimes a UIN is indicated on the invoice notice - a unique identification number of the payment order. In technical devices there is almost always an item “Pay by UIN” in the payments section. By clicking on it, the system will ask you to enter a code, then find the electronic receipt in the database. Next, you need to check all the numbers, full name, amount and deposit money.

If there is no barcode or UIN, the procedure will be as follows:

• In the “Payments” menu section, go to “Regional payments”, then “Payment to organization”. This is a method of transferring money using free details, regardless of the category of the recipient and the nature of the payment.
• If other transactions have already been made through the ATM in this way, they will appear in the list with a black background. The system remembers transactions so that they can be easily repeated later. The current payment can be made by clicking on the button in the lower left corner “Other payment”.
• Fill in all fields of the receipt - account number, BIC and TIN of the recipient, your personal account, full name, passport details (if requested).
• Check the details, enter the amount.
• Deposit money or write it off from the card, confirm the transfer.

Paying at a bank cash desk is the easiest way. The user gives the receipt and cash to the operator and collects the check. However, this option is not always more profitable; the bank often charges a commission for transferring through a specialist, for example, when paying traffic fines - about 40-50 rubles.

Setting up auto payments

How can I set up auto payment? You will learn about this by following the link https://www.sberbank.ru/ru/person/paymentsandremittances/payments/zhkh/autopayment, where detailed instructions for auto payment are provided.

In practice, this service can be activated in the online system in the “Autopayments” section. To do this, follow these steps:

• Click on the “Connect Autopayment” subsection.
• Choose the service that suits you.
• Select a supplier who provides the service.
• Ultimately, all you have to do is select the card from which funds will be debited, and then enter the necessary details. In this case, indicate exactly what amount will be written off and when it is needed.

At the end, confirm the connection using the SMS that came to your phone.

User reviews

Valentina.

As a pensioner, Sberbank Online has become a real salvation for me. Thanks to the application, there is no need to stand in long lines at the post office or at a bank branch.

Galina.

Through Sberbank Online I paid for my daughter’s classes in a correctional group with a speech therapist. There are no complaints about the quality of service, but when I decided to submit documents for a tax deduction, I encountered an interesting problem. Tax officials said that they could not accept printed receipts without the bank’s seal, and Sberbank employees said that for each stamp supplied they would have to pay 50 rubles. Tell me, is this even legal?

See also

• Loan refinancing in Sberbank Online
• Overview and capabilities of Sberbank online cash desk
• Instructions for replenishing the Conscience card through Sberbank Online
• Instructions for ordering a Sberbank gold card through the online service

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If the code is unreadable: 3 possible reasons

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Sometimes when paying by barcode through Sberbank online, a problem arises due to the fact that the phone cannot scan the image on the receipt. The reasons may be different:

1. Most often, the device does not read the barcode due to the fact that the paper is not brought to the camera carefully enough, the image becomes blurry, “oscillates,” etc. Therefore, it is better to simply place the sheet on a flat surface (in daylight or artificial light) and carefully point the phone.
2. Less commonly, the reasons may be related to technical problems with the phone or failures in the Sberbank online service. In this case, you can contact the company’s call center: the Sberbank hotline will clarify information about whether there are currently technical failures in the system.
3. Finally, sometimes the transaction is not possible because the customer is trying to pay the receipt with a credit card. Some such transactions are perceived as a normal purchase and proceed without problems. But in the case of payment, for example, for utilities, the service can define the transaction as a transfer in favor of a specific organization. And transferring funds from a credit card is often impossible.

However, in most cases the payment goes smoothly and the whole process takes no more than 1 minute. This is a very convenient service, which also has a high level of security. The application automatically closes after a few minutes after the user does not show any activity. Therefore, the penetration of unauthorized persons into your personal account is practically excluded.

How to create and save a payment template

A payment template will be useful to you if you regularly make payments using the same details. It will allow you not to repeat their entry every time, which saves a lot of time. However, you decide when and how much to pay using the template. The template can be useful not only when paying receipts, but also for periodic financial assistance to relatives or a charitable organization.

After logging into your personal account, in the “Payments” section, open the “My Templates” tab.

Select the function to create a payment template.

A setup form with fields will open in front of you. Here you need a name for the template, by which you can easily distinguish it from others.

The page has a list of categories from which you need to select the one you need to open a search form for the payee by name, TIN or current account. After entering the required information, you should save the template. After checking that all fields of the payment have been filled out and making sure that everything is entered correctly, confirm the operation with the password received in a text message to your phone.

Don’t be alarmed when you see the “Not confirmed in the contact center” status. Confirmation in the call center is required only for templates used for payments in excess of the limit set by the bank.

Payment of housing and communal services through Autopayment

The QR code system provides a high level of security for all participants in the process - both buyers and sellers. Moreover, a sticker on a product or receipt “Pay QR” means that the counterparty has been verified by Sberbank, and its details are entered into the mobile application database.

Don't forget about other basic safety rules not related to QR codes. The main ones are maintaining the confidentiality of personal data, which is achieved through careful and thoughtful actions of the Sberbank client himself.

System advantages

First, let's look at the benefits that using Sberbank Online provides for users. Here are some positive points:

1. Save time. The payment is made instantly, and the person does not need to leave home or personally visit the nearest EIRC or service bank branch.
2. Transaction protection. Remote promotions completely eliminate the possibility of personal data and confidential information falling into the hands of fraudsters.
3. Simplicity. The program interface is aimed at users of all age categories, so even older people who are distrustful of computer technology can easily understand the features of the electronic payment system.
4. Convenience. The program provides the most simplified scheme for filling out details: data is read automatically, which reduces the likelihood of incorrectly filling out payment documents.

In addition, Sberbank cooperates with many organizations and counterparties, so most payments are made without commission.

Prospects for the spread of a new payment method in the Russian Federation

The option described above for paying Sberbank Online using a QR code is the most popular. An alternative method involves using a self-service terminal.

To make a payment, you need to find a self-service terminal equipped with a reading scanner. Further user actions look like this:

• insert a Sberbank card, then enter the PIN code;
• go to the menu subsection “Payment for services”
• select a payment option with scanning a code;
• scan by presenting the receipt to the reader;
• enter additional information for payment;
• write off funds from the card or insert the required amount of cash.

If the payer has to leave the city just at the time when it is necessary to pay for utilities, then he will be able to make the payment in another locality. There are several ways to do this. One of them involves the use of various Internet services.

A very convenient way to pay utility bills is to use Sberbank Online. This Internet portal allows you to perform various operations from your personal account on the website, including paying bills. But to activate this service, you will have to spend your personal time and visit the bank with your passport.

Another option for paying housing and utility bills is to use various payment systems. For example, “Yandex. Money" allows you to pay for many utilities from your account, anywhere in the country.

There are two payment methods:

• through the application;
• through a bank terminal.

Each of them needs to be studied in more detail.

To deposit funds using a QR code, the payer will need a receipt with the code and a mobile phone with an application and Internet access.

How to pay for housing and communal services (and other companies):

1. Open the program and log in to the service.
2. Find the “Payments and Transfers” section, enter it and select the type of payment src=”https://dengiplatezhi.com/wp-content/uploads/2018/07/foto-4-38.jpg” class=”aligncenter” width ="800″ height="354″[/img]
   Payment through Sberbank Online
3. Select an account to debit funds.
4. If the company providing the service allows this method of depositing money, scan the QR code.

If all actions are completed successfully, the payment details will be displayed on the screen. All that remains is to check them carefully, and then send them and confirm payment. The money will arrive in the recipient's account almost immediately.

So, paying a receipt using a QR code is a quick procedure, and to simplify further actions, the operation can be added to the templates: this way, all subsequent payments will be made in a couple of clicks.

Payment using a QR code is a convenient and promising tool for all business representatives, regardless of the scale of activity and the form of the company. The direction has gained popularity in online trading, the provision of services, the sale of goods and other areas. An employee of the establishment simply shows a picture that needs to be scanned and payment made. To make a payment, a person must have a special application and sufficient funds on the card.