Payment of contributions

Payments Accepted Through the Website

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

Payment is available only against an individual payment assessment issued by the cooperative. It states in advance the payer, contribution type, basis, amount in roubles, programme or project where applicable, and refund 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

A monetary contribution to cover admission-related costs. It is not part of the cooperative share fund. After admission to the cooperative is complete, the admission contribution is non-refundable; exceptions for rejected admission, erroneous or duplicate payments are specified in the refund rules.

Share contribution

A cooperative member’s contribution of property to the cooperative share fund. Only monetary contributions are accepted through acquiring. A non-cash share contribution is documented separately through an application, valuation, decision and transfer-and-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 personal or organization name, contribution type, programme, amount and refund 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 Board decision and fulfilment of the Charter’s conditions for admission and share contributions.

Information Displayed Before Payment

• unique accrual number and its validity period;
• Full name or name of the payer and his identifier in the register;
• contribution type, without combining several bases into one line item;
• exact amount and currency - Russian rubles;
• the name and code of the targeted program or project;
• link to the current program regulations;
• an indication of whether the earmarked contribution is refundable or non-refundable;
• links to these rules and the refund procedure.

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 transaction, the payer is shown the payment number and receives confirmation through the specified channel. The cooperative records the receipt separately by contribution type and, for an earmarked contribution, by the relevant programme.

If the payment is a cooperative contribution and is unrelated to the sale of goods, work or services, it is documented by a contribution receipt and an entry in the personal account. If the payment’s actual basis is determined to be payment for goods, work or services, the cooperative will use cash-register equipment and issue a fiscal receipt in the prescribed manner.

Payment Support

Before payment and for reconciliation questions: office@speczashchita.com, +7 (921) 307-67-01. 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