Version 1.0 July 10, 2026
Returning a card transaction and returning a unit are different procedures. The first one corrects the payment error. The second changes the property relationship of the cooperative member with the cooperative and requires documents and a decision on the Charter or program regulations.
Applicable Procedure
Card Transaction Refund applies if there is a repeated charge, an erroneous amount, no valid accrual, refusal of acceptance before membership occurs, or inability to identify the basis for the payment.
Refund of a Share Contribution or Earmarked Contribution carried out at the request of the cooperative member in connection with the withdrawal, reduction of the share or the terms of the program. This is not a cancellation of the purchase or an automatic return to the card.
Erroneous, Duplicate, or Unaccepted Payment
The payer sends an application with the accrual number, date, amount, transaction ID and reason for the return. The cooperative registers the appeal, verifies the payment with the bank and communicates the decision within 10 business days after receiving sufficient information.
If the application for membership is rejected or membership has not arisen and there is no other agreed basis for offset, the received admission and share payments will be returned. Non-refundability of the admission contribution applies after the completion of admission, and not to the money of a person not accepted into the cooperative.
Admission contribution
Once a person has been accepted into the cooperative and the conditions of membership have been met, the admission contribution is not included in the mutual fund and is not refunded. It can only be returned as an erroneous, repeated or rejected payment, or in another case expressly established by a mandatory rule of law or a decision of the cooperative.
Earmarked contribution and earmarked share contribution
The refund depends on the type of contribution and the provisions of the specific program. Before payment, one of the conditions must be indicated on the accrual: refundable earmarked contribution, non-refundable earmarked contribution or earmarked share contribution.
A refundable earmarked contribution is refunded in the circumstances and within the time limits established by the program regulations, agreement, and cooperative decision. A non-refundable earmarked contribution, once duly accepted and applied to the program purpose, is not refundable except in the event of an error or where required by law. An earmarked share contribution may be returned in cash or in property under an agreed and properly documented procedure.
How to Submit an Application
The application is sent to info@speczashchita.com or at the legal address of the cooperative. Indicate your full name or name, cooperative member or applicant ID, accrual number, date and amount of payment, type of contribution, program, reason and required method of settlement.
Do not send the full card number, expiration date and security code. For initial reconciliation, the last four digits of the card and the bank transaction ID are sufficient. The cooperative has the right to request additional documents if necessary for identification, accounting or verification under 115-FZ.
Refund Method
Cancellation of a card transaction is carried out through the acquiring bank to the same card or payment instrument from which the funds were received; Cash issuance instead of card return is not applicable. The crediting period after execution of the return depends on the payer's bank.
The return of the share or earmarked contribution is made in the manner established by the decision and program documents: by bank transfer or, if applicable, by transfer of property under a deed. The transaction status and supporting document are sent to the cooperative member after execution.