Payment of contributions

Payments Accepted Through the Website

Non-Profit Consumer Cooperative “Scientific and Production Association ‘SPECZASHCHITA’” (НПК «НПО «СПЕЦЗАЩИТА») plans to accept only monetary cooperative contributions through a secure bank payment page: admission contributions, share contributions, and earmarked contributions. This is not payment for goods or consumer services and is not an unrestricted transfer of funds.

Payment is available only by individual accrual of the cooperative. The accrual indicates in advance the payer, type of contribution, basis, amount in rubles, program or project, if any, and repayment conditions.

Before activation, the cooperative provides the bank with its Charter, contribution rules and payment scenarios and obtains written confirmation that the acquiring agreement permits the acceptance of cooperative contributions. Contributions must not be disguised as payment for services.

Types of Payment

Admission contribution

Cash contribution to cover costs associated with joining. It is not part of a mutual fund. After completed admission to the cooperative, the admission contribution is not refunded; exceptions for refusal, erroneous or duplicate payment are specified in the return policy.

Share contribution

A cooperative member's property contribution to a mutual fund. Only monetary form is accepted through acquiring. A non-monetary share is formalized separately by an application, an assessment, a decision and an acceptance certificate.

Earmarked contribution or earmarked share contribution

An earmarked contribution to a specific approved targeted program or cooperative project. Before payment, the payer receives the program rules, the designated use of funds, the amount, and a statement of whether the contribution is refundable or non-refundable.

Payment procedure

1. The applicant submits an application for membership or the cooperative member submits an application to participate in the program, contribute an additional share or initiate a project.
2. The competent authority of the cooperative reviews the application and issues a decision, agreement or confirmation of participation when required.
3. The cooperative creates an individual accrual with a unique number, exact amount and purpose.
4. The payer checks the full name or name, type of contribution, program, amount and return rules.
5. Payment is made on a secure bank page. Arbitrary changes in the amount and purpose are not allowed.
6. After confirmation by the bank, the contribution is reflected in the personal account of the cooperative member or applicant and a confirming document is generated.

Payment in itself does not automatically mean admission to the cooperative or automatic inclusion in the program. Membership requires an application, a decision of the Council, and satisfaction of the Charter requirements governing the admission contribution and share contribution.

Information Displayed Before Payment

• unique accrual number and its validity period;
• Full name or name of the payer and his identifier in the register;
• type of contribution without combining several bases into one position;
• exact amount and currency - Russian rubles;
• the name and code of the targeted program or project;
• link to the current program regulations;
• sign of a refundable or non-refundable earmarked contribution;
• links to these rules and return procedures.

Payment from a third party card is not allowed by default. If such payment is necessary, the cooperative first identifies the payer and documents for whom and on what basis he contributes the funds.

Bank Card Security

The planned acquiring bank is JSC ALFA-BANK. After concluding and activating the agreement, card details will be entered only on the bank’s secure payment page using the transaction confirmation methods provided by the bank.

The card number, expiration date and security code are not entered and are not stored on the cooperative server. The site receives from the bank only the technical status of the transaction, payment ID, amount and information necessary to reconcile the accrual.

Confirmation and Accounting

After a successful operation, the payer is shown the payment number and a confirmation is sent via the specified channel. The cooperative reflects receipts separately by type of contribution and, for a earmarked contribution, by the corresponding program.

If the payment is precisely a cooperative contribution and is not related to the sale of goods, work or services, it is documented in a document confirming the receipt of the contribution and an entry in the personal account. If the actual basis of payment is recognized as payment for goods, work or services, the cooperative will apply cash register and send a cash receipt in the prescribed manner.

Payment Support

Before payment and for reconciliation questions: info@speczashchita.com, +7 (495) 902-78-95, +7 (495) 766-20-24. In your request, please indicate the accrual number and bank transaction number; Full card details cannot be provided.

Cooperative Contribution Rules · Refunds and Erroneous Payments · Cooperative details