Version 1.0 July 10, 2026
A card transaction refund and the return of a cooperative share are different procedures. The first corrects a payment error. The second changes the member’s property relationship with the cooperative and requires documents and a decision under the Charter or programme 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 cooperative member’s request upon withdrawal from membership, reduction of their share or under the programme terms. This is not cancellation of a purchase or an automatic refund to a card.
Erroneous, Duplicate, or Unaccepted Payment
The payer submits an application with the payment assessment number, date, amount, transaction identifier and reason for the refund. The cooperative registers the request, reconciles the payment with the bank and communicates its 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
After a person is admitted to the cooperative and the membership conditions are met, the admission contribution is not part of the cooperative share fund and is non-refundable. It may be refunded only as an erroneous, duplicate or unaccepted payment, or in another case expressly provided for by a mandatory legal rule or a cooperative decision.
Earmarked contribution and earmarked share contribution
Refunds depend on the contribution type and the specific programme regulations. Before payment, the assessment must specify one of these conditions: a refundable earmarked contribution, a non-refundable earmarked contribution or an 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 office@speczashchita.com or at the cooperative’s registered address. State your full personal or organization name, member or applicant identifier, payment assessment number, payment date and amount, contribution type, programme, reason and requested resolution method.
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
A card transaction is reversed through the acquiring bank to the same card or payment instrument from which the funds were received; cash is not paid instead of a card refund. The time taken for the refund to be credited 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.