A similar error often occurs after sending payment order to the addressee. It occurs in cases where the document compiler has incorrectly filled out individual columns. Let's take a closer look at the preparation of electronic payment orders, their verification and the reasons for errors. So, the recipient's account key is incorrect - what does this mean? Sberbank provides various ways to solve the problem.
What does it mean that the recipient's account key is specified incorrectly (Sberbank Business Online)?
What causes the "Recipient account key is incorrect" message to appear? The point is that the system works in automatic mode and checks all filled fields. If inaccuracies are detected in the recipient's details, a message with a key error is displayed.
After receiving the service message, you need to carefully check the correctness of the account to which the funds are transferred and the recipient's BIC.
Sometimes checking the details does not correct the situation. If the fields coincide in value with the data on the account from the recipient, then you need to contact him to clarify them. Perhaps an error was made while filling it out.
Such careful attention to the correctness of the details is necessary to avoid problems when funds arrive to the right addressee. Many errors do not have such serious consequences, so they are corrected automatically. Thus, Sberbank strengthens the security of money transfers, which invariably increases its reputation in the banking industry and has a positive effect on its rating.
Features of the Sberbank Business Online service
With his help, legal entities receive remote access to various banking services. 
The most popular Business Online opportunities:
- creation in in electronic format, checking and sending payment documents for processing;
- working with accounts, tracking balances, receiving statements;
- ordering various banking services;
- receiving useful information and free consultations about the work of Sberbank.
Companies, organizations and private entrepreneurs receive information to log into the online account after reviewing the application. The latter is served at a Sberbank branch. In most cases, the login and password are sent via SMS to your mobile phone. It is recommended to change your password to a new, more complex one after logging in for the first time.
Filling out a payment order
To avoid displaying the error “The recipient's account key is incorrect”
(what this means is described above), Sberbank recommends that you be careful when preparing payment documents. Developers software We have created an accessible interface that helps you fill out the payment correctly. 
Among the tasks offered by the service, money transfers are most often used. Sberbank specialists offer simple instructions which will help you avoid trouble.
The payment form should be filled out as follows:
- in the toolbar located at the top of the service page, you need to find and click the icon for creating a new payment;
- A form with fields appears on the display. Some are painted white and others are grey. The first ones are intended for manual filling. The second ones are for automatic. In some cases, gray fields have drop-down lists in which you must manually select the appropriate value;
- The system assigns a number to the payment order automatically. If for some reason you are not satisfied with this numbering or you create your own, then you can change it at your discretion;
- The date the document was completed is automatically entered. Sometimes it has to be changed manually;
- the system independently indicates the method of sending the order, as electronic. It can also be changed;
- if funds are transferred to the recipient again, then his details can be taken from the invoice for payment. When transferring them into a document, close attention is required to avoid errors;
- The recipient's data is also saved in the directory and can be retrieved automatically. At the beginning, work with the online account is entered manually;
- Enter in numbers the required amount of money that will be transferred to the recipient. It is worth noting that the system itself will calculate VAT. However, it can be set manually;
- indicate the purpose of payment.
Checking the completed data
The next step is to validate the document before queuing it for processing. This takes a minimum of time. If everything is done correctly and no questions arise, a corresponding message appears. If an error occurs (the recipient's account key is specified incorrectly), Sberbank returns the document for revision.
Among others, there are a number of errors that do not need to be corrected in manual mode, for example, incorrect number. The program will fix it automatically, but you can do it yourself.
The system will check the payment again. If everything is in order, the document will be queued. The status “created” will appear in the line next to it.
When making transactions through Sberbank Business Online, users may encounter a number of system errors; a fairly common one is incorrectly entering the account key. This mark means that the recipient's current account number is indicated incorrectly.
To improve the quality of service, Sberbank PJSC has developed a specialized Internet service system for its clients "Sberbank Business Online" for small and medium businesses. The resource is intended for the organization remote control accounts and business cards opened at the bank:
- generating and sending payment orders;
- prompt receipt of account statements;
- internal messaging with bank employees;
- submitting applications for the provision of various services and banking products for consideration;
- receiving up-to-date information about your counterparties.
The procedure for connecting to the Sberbank Business Online service includes: pre-application. To do this, you need to contact a Sberbank employee who will provide the necessary information about the organization of the service and generate registration data. The bank can also send login details via SMS to the number registered in the bank's ABS.
Since the generation and sending of payment orders are priority operations, the bank paid great attention to developing the service part of the resource for maximum convenience. A training program in the form of short videos has been developed to help clients.
The program interface provides a logical system of hints and displays all help information on the screen. The fields of the payment document are filled in automatically, with the exception of the columns with the recipient’s details and the “Payment Purpose” window. After formation, an initial check is carried out; if no errors are found in the payment order, the document is signed with an electronic digital signature and sent to the bank.
Procedure for drawing up a payment order
To send funds remotely to a counterparty, you must correctly formulate a payment order. After logging into the system, you need to select the payment creation icon in the top toolbar. A template with fields of white and gray colors is displayed on the screen. White columns are filled in manually; gray columns are filled in as payment details are entered and the necessary information is automatically displayed. The payment order number and date are generated automatically, but they can be edited if desired. Also, the payment sending method is automatically entered - “Electronically”. Next, you must carefully enter the details of the recipient of the funds, the amount and be sure to indicate the purpose of the payment. After electronic document is verified and the bank performs the transaction.
A typical mistake when generating a payment order is incorrectly entering the recipient's details. Please be careful when filling out all fields and check before submitting. The bank can also return the document if the sender does not indicate the purpose of the payment or the transaction is suspicious; in the latter case, the manager can contact an authorized person by phone.
Recipient Account Key: What is it?
The Russian banking system has established a procedure for generating current account numbers. Twelve digits are a unique combination of several numerical groups in which account information is encrypted.
What does each group of digits in the account number mean:
- The first five characters determine whether the account corresponds to a particular section of the bank's balance sheet.
- The next three are the type of currency.
- The ninth character is the key (check digit), calculated according to a specific algorithm developed at the Central Bank of Russia.
- This is followed by four digits that determine whether the sender is a client of a bank branch or its head office.
- The last digits are the end of the account number.
If there is at least one mistake in the account number, the operation will not be performed, and the system will return the document with a mark.
Users often encounter an error that is unclear at first glance - “The recipient's account key is specified incorrectly.” The flag means that the beneficiary account entered is incorrect. An error in keying the recipient's account is not a fatal problem; it can be easily corrected if you check the entered account number, BIC and correspondent account. If all the numbers match the details in the Company Card or invoice for payment, you should contact the counterparty and clarify the data - without them it is impossible to complete the transaction. It is also recommended to contact technical service Sberbank support, where employees will help deal with the problem. The account key can be calculated, and the operator will tell you that the key should be 4 or 5, or something completely different, but there is no way to find out whether the corrected account number matches the recipient over the phone.
The ease of use of the Sberbank Business Online service allows you to optimize the document flow process. An important advantage was possibility of remote operations, which is very convenient for modern people doing business. However, you should not neglect the procedure for generating documents; often a delay in payment can radically affect relations with partners or negatively affect profit. To protect yourself from annoying misunderstandings, you can additionally request from your counterparties an Enterprise Card and a copy of the agreement (including the lease agreement - sometimes this is practiced). These documents always contain basic bank details.
There is serious controversy surrounding the need for a taxi license to work in Yandex.Taxi. What requirements does the law impose on taxi cars and drivers? Do I need a taxi license to work in Yandex.Taxi? Let's try to figure it out. And most importantly: if you want to speak out on this issue, write in the comments what you think about the taxi license for Yandex.Taxi.
Where is a taxi license required to work in Yandex.Taxi? License required only in Moscow and Moscow region.
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Why don't you need a taxi license to work in Yandex.Taxi? In many countries, in particular in Russia, Yandex.Taxi bypasses traditional laws and the usual state of affairs in the taxi industry. If the law has weak spots Yandex.Taxi is taking advantage of this situation to quickly develop its business in new markets and even develop our ideas about the taxi business in general. At the same time, Yandex.Taxi always tries not to go too far and reach reasonable agreements with the authorities and official representatives cities.
So far, Yandex.Taxi has only had to make concessions regarding the taxi license in Moscow; in other cities, Yandex.Taxi has successfully managed to circumvent the requirements of the taxi law, since Yandex.Taxi cars are not taxis. On the other hand, this allows Yandex.Taxi to offer jobs to interested drivers without unnecessary obstacles, and therefore, the actions of Yandex.Taxi have benefits both for the city’s economy and for the well-being of the independent drivers themselves.
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What are the car requirements to obtain a taxi license? Depending on the region, the requirements for a car to obtain a taxi license are:
- yellow or white-yellow-gray color according to STS
- Taxi identification lamp on the roof.
An organization that has received a taxi license for a car is also required by law to ensure:
- control technical condition cars before leaving the line
- Taxi driver undergoing pre-trip medical examination
- issuance by the driver of a receipt upon payment of the fare by the passenger
- availability of information about the carrier for passengers
- Carry out technical inspection of the car every six months.
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What are the legal requirements for a licensed taxi driver? Total driving experience 3 years with license.
What is the situation with a taxi license in real life? Firstly, the only city where Yandex.Taxi has yielded to the demands of city authorities and requires a license is Moscow. In any other city you can safely work without a license. In Moscow, a taxi license can only be obtained for a white-yellow-gray or yellow car; a license is not required for a Business Class car.
In real life, a taxi license to work in Yandex.Taxi can be bought like tomatoes at the market; obtaining a license takes 9 working days. The obtained license does not impose any responsibilities on the driver, so a license purchased in this way is an absolutely meaningless piece of paper.
However, obtaining a taxi license for a car poses an obstacle for the driver if he wants to start working in Yandex.Taxi as quickly as possible and on any car. Due to the mandatory license requirement, many drivers refuse to work for Yandex.Taxi and lose the opportunity additional income. In this sense, the mandatory license only harms the normal development of the taxi market.
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What arguments do defenders of taxi licenses make? Defenders of the license argue that enforcement of the taxi law makes travel safer for passengers because cars and drivers are further inspected before operating. However, current practice does not confirm this. It is in Yandex.Taxi that a taxi license does not protect anyone from anything.
The safety of the trip depends only on the prudence of the driver himself, which is regulated through control by Yandex.Taxi, including through the driver rating system. It seems to me that supporters of the license are simply using it to maintain artificially high prices for travel and as a last bastion in the fight against large services.
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Video
Taxi license to work for Uber - video
Attention, traffic police scam regarding taxi license A traffic police officer cannot fine a driver for not having a taxi license. The only way to check is this:
- the mystery shopper makes an order and gets into the Yandex.Taxi car for a short trip
- At the end of the trip, the passenger pays in cash
- At the end of the trip, the car is met by witnesses, employees of the city transport service and police
- inspectors ask the driver to show the necessary documents
- controllers draw up a protocol confirming the fact of travel and payment in cash
- possible punishment for carrying out entrepreneurial activity Without a license, only the court can appoint. This is a fine of several thousand rubles and potentially confiscation of the car.
If the recipient's account key is entered incorrectly, do not worry. Such errors are widespread and occur due to inattention or typos when entering. In the article we will consider in detail the actions in case of such an error, correction options and means of checking payment orders.
Operation of the Business Online system from Sberbank
The Business Online service is designed to increase convenience when making non-cash payments and is widely used by entrepreneurs and companies. With its help you can access the following functions:
- creating payment orders and sending them to the recipient;
- constant control over in cash on accounts and their movement;
- all kinds of banking services;
- various helpful information on the work of Sberbank, services, additional opportunities.
Creating a payment without errors
The data entry training program from Sberbank is presented on the bank’s website in the form of videos, where working with the non-cash payment system is shown in an accessible form. In addition, the program interface has a developed hint system that will help you avoid typing errors.
Below we will look at the step-by-step process of creating a payment order. If you fill out everything carefully, then “The recipient's account key is specified incorrectly” will not appear.
We begin work by generating a new payment order. To do this, click on the corresponding icon at the top line of the screen.
The system will display a typical outgoing order window. You must carefully fill out all white fields. Lines that are gray are filled in automatically by the system and usually do not need adjustment. In some cases, you will need to select the desired item from one of the drop-down lists.
Data entry and correction:
- The payment order number is generated by the system. If necessary, can be replaced with another one;
- The date is set automatically by the system and corresponds to the current one. If desired, change to another;
- payment type, by default the system is set to electronic.
- all user data is usually pre-entered into the system when setting up work with Business Online;
- If you need to send a payment on behalf of a new payer, then all details are entered manually. When you select a bank, its details are transferred to the appropriate fields by the system.
There is a total sale in the store. Or an auction has been announced for a long-desired item. And now you stand with your card at the terminal, or confirm the payment in the online store, but instead of the expected purchase you receive... Refusal! You turn pale, blush, feel uncomfortable, start calling your bank, and sometimes swear. And you are trying to understand - why, why did your card fail you at the most necessary moment? The apogee of frustration... Away from panic, we are looking for the causes of the problem and ways to solve it.
Before calling the bank and arguing with the branch or call center employees, remember the two simplest reasons why you may be refused to pay for a plastic card.
The first is the banal account balance. Unfortunately, we are not always able to estimate the rate at which our balance is decreasing, especially when spending our day in mall. So try to remember how much money you had and how much you should have left. In most cases, the problem is quickly resolved.
In order to always know how much more you can spend, you can connect yourself to a notification service about account transactions and the current balance, the so-called mobile bank. Online the bank will send to your mobile phone SMS messages with information about the completed transaction and the current balance.
The second is a malfunction of the terminal itself (or the payment acceptance service in the online store). Moreover, the malfunction can be either the most common breakdown (after all, any equipment can fail), or simply a lack of communication with the bank or payment system. At this point, call or don’t call, until the terminal itself is operational, you won’t be able to pay for the service with a card.
Third, if a PIN is requested at a retail outlet, clients often simply “miss” the required combination themselves and receive a completely legitimate refusal. In an online store, you can also enter the card expiration date or CVV2 code incorrectly.
Basically, clients receive the reasons for refusal associated with this list immediately - on a receipt from the terminal or on a page on the Internet.
We have already examined the simplest and most common reasons for refusals when paying with plastic cards. But there are times when the client objectively does not understand why he was unable to complete the transaction.
In one of our articles we talked about how banks ensure the security of their cards. Actually, these security measures can become the primary source of unsuccessful payments.
Limits
Not all clients know (and many simply forget) that almost all banks set limits on their plastic cards in terms of the number and amount of transactions.
The bank can set limits in order to minimize the client’s losses in case of loss of the card (when it has not yet been blocked). Basically, the threshold values of these restrictions are high enough to ensure comfortable payment by card. But even if the amount is not enough, you just need to call the bank and raise the limit to the required level.
Many banks include the function of changing limits in online banking services (Internet banking). Thus, clients have the opportunity to independently set and regulate limits on their cards.
Safety system
This is where it gets a little more complicated. The restrictions that may be included in this case are, as a rule, unknown to the client in advance.
The bank security system is a comprehensive, multi-stage protection of plastic cards from potentially unwanted or suspicious transactions. When receiving a transaction refusal related to the security system, clients are simply lost and cannot even imagine what this might be connected with.
The main reasons why such restrictions may be triggered are transactions on the Internet, other countries (when traveling abroad), the time of operations, the frequency of transactions over a certain period of time, frequent changes retail outlets, or vice versa - payment in the same store several times in a row - the list is quite large, and in each specific case it is very difficult to “guess” the reason.
Banks try their best to keep the principles of the security system secret. This is understandable - if anyone can easily obtain this information, there will be no justice for scammers.
Everything can also be resolved by calling the 24-hour support service - bank employees will be able to check your transactions at any time and remove the necessary restrictions.
It is more difficult if the security system of the acquiring bank (the owner of the terminal) has been triggered - this also happens. In this case, you will have to go through all the circles of hell until the issuing bank (your bank) and the acquiring bank (store bank) are convinced that you are you and that the transaction is not performed by a stranger. Only after confirming your details will you be given the green light to purchase.
Wrong data
It happens that when performing a transaction, employees of retail outlets (or the client himself at an ATM or online store) select the wrong type of transaction or the wrong account. In this case, you will receive a strange notification: “Invalid data”, “Incorrect account”
Don't compete with the device, find out exactly what you did wrong at the bank. And even more difficult...
Such cases are rare, but they do happen.
Sometimes it is not possible to complete a card transaction due to a global failure in the bank itself or payment system. Of course, neither one nor the other is doing everything possible to prevent such situations, but anything can happen.
If the refusal is connected precisely with this, then no number of calls to the bank will solve the problem immediately. All that remains is to wait. True, in this case it is not just one client who is experiencing problems, but very, very many, so the time required for restoration of work is reduced to a minimum.
“Lethal” outcome for your card:
- it just expired. That is all - you cannot use the card, it is simply invalid;
- The plastic card is physically damaged. It is scratched, broken, demagnetized (if it only has magnetic tape), and they cannot process it.
It’s easy to overcome this trouble - go to the bank and replace the old plastic with a new one. But in this case, you will no longer make the right purchase at the right time.
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