Обязанность принимать к оплате банковские карты

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Эксперт направления "Бюджетная сфера" службы Правового консалтинга ГАРАНТ, к. ю. н. специально для ГАРАНТ.РУ С 1 января 2015 года в отношении продавцов, не предоставивших покупателю право выбора удобного для него способа расчета (наличными или банковской картой), предусмотрена административная ответственность в виде штрафа для должностных лиц в размере от 15 тыс. до 30 тыс. руб. и для юридических лиц – в размере от 30 тыс. до 50 тыс. руб. (ч. 4 ст. 14.8 КоАП РФ). Необходимость данной меры вызвана введением соответствующей обязанности продавца в ст. 16.1 Закона РФ от 7 февраля 1992 г. № 2300-I "О защите прав потребителей"; далее – Закон № 2300-I). Ввиду того, что на организации государственного сектора, оказывающие платные услуги физическим лицам, распространяется действие Закона № 2300-I, введение данной нормы породило проблему для многих из них, в свое время полностью перешедших на безналичные расчеты и теперь, по-видимому, обязанных вновь обеспечить прием наличных и соответствующее оформление кассовых операций. Вместе с тем, законом предусмотрено исключение для субъектов предпринимательской деятельности, выручка без учета НДС или балансовая стоимость активов за прошлый год которых не превышает предельные значения этих показателей, установленные для микропредприятий (абз. 2 п. 1 ст. 16.1 Закона № 2300-I). Напомним, такие предельные значения составляют 60 млн руб. (постановление Правительства РФ от 9 февраля 2013 г. № 101). В связи с этим возникает вопрос: могут ли воспользоваться этим исключением организации госсектора, годовой объем выручки (или балансовая стоимость активов за прошлый год) которых не превышает 60 млн руб.? Из формулировки нормы прямо не следует, что у них есть такая возможность. Судебная практика и какие-либо разъяснения компетентных органов по этому вопросу отсутствуют. Попытаемся разобраться. Интересующая нас норма абз. 2 п. 1 ст. 16.1 Закона № 2300-I содержит исключение в отношении субъектов предпринимательской деятельности. В отечественном законодательстве отсутствует понятие субъекта предпринимательской деятельности. Согласно п. 1 ст. 2 ГК РФ предпринимательской является самостоятельная, осуществляемая на свой риск деятельность, направленная на систематическое получение прибыли от пользования имуществом, продажи товаров, выполнения работ или оказания услуг лицами, зарегистрированными в этом качестве в установленном законом порядке. Следовательно, любое лицо, осуществляющее такую деятельность может являться субъектом предпринимательской деятельности. Ее могут осуществлять не только коммерческие, но и некоммерческие организации, если это служит достижению целей, ради которых они созданы, соответствует указанным целям и при условии, что такая деятельность указана в их учредительных документах (п. 2 ст. 24 Федерального закона от 12 января 1996 г. № 7-ФЗ "О некоммерческих организациях"; далее – Закон № 7-ФЗ). Государственные (муниципальные) учреждения могут осуществлять приносящую доход деятельность (п. 2-4 ст. 298 ГК РФ). Такой деятельностью признаются приносящее прибыль производство товаров и услуг, а также приобретение и реализация ценных бумаг, имущественных и неимущественных прав, участие в хозяйственных обществах и участие в товариществах на вере в качестве вкладчика (п. 2 ст. 24 Закона № 7-ФЗ).

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Определения предпринимательской деятельности и деятельности, приносящей доход, не содержат существенных смысловых отличий – оба вида деятельности направлены на получение прибыли от оказания услуг (выполнения работ). Поэтому, если приносящая доход деятельность осуществляется систематически, то ее можно признать предпринимательской. Следовательно, организации государственного сектора, оказывающие платные услуги, фактически могут попадать под понятие субъекта предпринимательской деятельности. Однако к микропредприятиям относятся потребительские кооперативы и коммерческие организации (за исключением государственных и муниципальных унитарных предприятий), а также индивидуальные предприниматели, крестьянские (фермерские) хозяйства, соответствующие ряду условий (п. 1 ст. 3, п. 1 ст. 4 Федерального закона от 24 июля 2007 г. № 209-ФЗ "О развитии малого и среднего предпринимательства в Российской Федерации"; далее – Закон № 209-ФЗ). В их числе: суммарная доля участия России, субъектов, муниципальных образований, иностранных организаций и граждан, общественных и религиозных организаций (объединений), благотворительных и иных фондов, организаций, которые не относятся к субъектам малого и среднего предпринимательства, в их уставном капитале не превышает 25%; средняя численность работников за предшествующий календарный год не превышает 15 человек (п. 1 ст. 3, п. 1 ст. 4 Закона № 209-ФЗ). Таким образом, если исходить из понятия микропредприятий, предложенного Законом № 209-ФЗ, организации государственного сектора к ним не относятся и, соответственно, интересующая нас норма об освобождении продавца от обязанности обеспечить покупателю право выбора оплаты (абз. 2 п. 1 ст. 16.1 Закона № 2300-I) к таким организациям применяться не должна.
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Однако освобождение от этой обязанности предусмотрено не для микропредприятий, а для субъектов предпринимательской деятельности, удовлетворяющих единственному критерию, установленному для микропредприятий постановлением Правительства РФ, – предельному значению выручки или балансовой стоимости активов в размере не более 60 млн руб. (абз. 2 п. 1 ст. 16.1 Закона № 2300-I). Другие критерии, в том числе для микропредприятий, нормой не предусмотрены. Если придерживаться этой логики, то организации государственного сектора могут применять норму, предусматривающую освобождение продавца от обязанности обеспечить покупателю право выбора оплаты – наличными или при помощи платежных карт (абз. 2 п. 1 ст. 16.1 Закона № 2300-I), если годовой объем выручки или балансовая стоимость активов такой организации составляет менее 60 млн руб. Следует учитывать, что изложенная позиция является экспертным мнением, которое может расходиться с позицией судов или компетентных органов. Вне сомнений, оплата товаров и услуг банковской картой не только удобна потребителю, но и экономически целесообразна для организации. Использование в расчетах банковских карт позволяет избежать оборота фальшивых купюр, кражи выручки, а также минимизировать затраты на инкассацию, оборудование кассы и внутренний финансовый контроль. Поэтому организации имеет смысл закупить соответствующее оборудование и заключить договор эквайринга с кредитной организацией. При этом необязательно открывать счет в кредитной организации. Зачисление денежных средств при оплате физическими лицами услуг учреждения банковской картой может осуществляться непосредственно на лицевой счет учреждения. При осуществлении кредитной организацией перевода денежных средств вознаграждение оператора по их переводу не может быть удержано из суммы перевода, за исключением случаев осуществления трансграничных переводов (ч. 10 ст. 8 Федерального закона от 27 июня 2011 г. № 161-ФЗ "О национальной платежнойсистеме", письмо Банка России от 30 июля 2013 г. № 14-27/763, письмо Минфина Россииот 16 декабря 2013 г. № 02-03-007/55345).

Закон, который ввел ограничения на работу Visa и MasterCard в России, незаметно для публики установил штрафы для торговых точек, отказывающихся принимать к оплате банковские карты. Штрафовать торговые точки будет Роспотребнадзор — на сумму от 30 тыс. до 50 тыс. рублей. Об этом «Известиям» рассказали в Министерстве финансов. В ведомстве пояснили, что штрафы будут взиматься за каждое нарушение. Банкиры поддерживают новые нормы и с интересом следят за развитием ситуации, а торговые точки против — санкции начнут применять с 1 января 2015 года. Штрафовать будут в том числе продавцов

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Поправки Минфина, подписанные 5 мая президентом в рамках 112-ФЗ, отредактировали закон «О защите прав потребителей» и статью 14.8 Кодекса об административных правонарушениях, рассказали в ведомстве Антона Силуанова. С этого месяца торговые предприятия с выручкой свыше 60 млн рублей в год обязаны принимать к оплате банковские карты. Магазины, у которых оборот не дотягивает до этой планки, в случае принятия поправок в нынешней версии смогут продолжать взимать оплату только наличными. Штрафовать начнут с 1 января 2015 года, до этого момента будет действовать переходный период, чтобы предприятия смогли подготовиться к новым законодательным нормам. — Учитывая широкое распространение платежных карт среди населения, данные изменения обеспечат равные права потребителей с точки зрения используемых средств платежа как в наличной, так и в безналичной форме, — пояснили «Известиям» в пресс-службе Минфина. — Это положительно скажется на развитии безналичных форм оплаты и доступности платежной инфраструктуры, увеличит прозрачность оборота торгово-сервисных организаций, а также будет способствовать усилению борьбы с уклонением от уплаты налогов, сборов и с легализацией доходов, полученных преступным путем. По новой ч. 4 ст. 14.8 КоАП РФ отказ принимать карты к оплате влечет наложение административного штрафа на юридических лиц — от 30 тыс. до 50 тыс. рублей. Если же у магазина есть техническая возможность принимать карты, а продавец всё равно отказывает, то на него могут наложить штраф как на должностное лицо — от 15 тыс. до 30 тыс. рублей. — Это делается для стимулирования безналичного оборота, — говорит депутат Госдумы, один из авторов принятой идеи Анатолий Аксаков. — Картоприемники должны установить подавляющее большинство торговых точек, за исключением компаний с выручкой ниже 60 млн рублей в год. Выиграют банки Под всеобщую карточную повинность не попадут мелкие торговые предприятия — например палатки с овощами, сигаретами и напитками, торговцы на рынках, магазины шаговой доступности и так далее. Для них установка картоприемников связана с существенными расходами (картоприемник cтоит порядка 6–18 тыс. рублей). Банки устанавливают такие терминалы и бесплатно, но для обеспечения безналичных расчетов нужен интернет, чего нет у мелких торговцев в принципе. Бремя расходов по самим операциям также ложится на торговцев.
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— За проведение операций по приему платежей банками с торговой организации удерживается комиссия от 1% до 3–5 %, — говорит член президиума Ассоциации молодых предпринимателей России Михаил Герасимов. — Поэтому торговой компании всегда выгоднее получать наличные и не платить проценты с проведения безналичного карточного платежа от покупателя. Собственно, для самих потребителей чаще тоже удобнее оплачивать некрупные покупки наличными. Другое дело, когда речь идет о крупных покупках — например, автомобиле. Раньше даже планировалось установить эквивалентные суровые штрафы за отсутствие картоприемников — на сумму покупки. — Если продавец примет платеж в 1 млн рублей наличными, он будет оштрафован на 1 млн рублей, — говорил «Известиям» замминистра финансов Алексей Моисеев. Однако потом в ведомстве решили установить четкие рамки, ограничив размер санкций таким образом, чтобы не привести к массовому банкротству предприятий торговли, и новая вилка штрафов теперь зафиксирована в КоАП. Банкиры позитивно восприняли новацию.

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— Данная инициатива не несет в себе ничего плохого, — считает директор департамента розничного бизнеса СДМ-банка Денис Давыдов. — Наоборот, она клиентоориентирована и направлена на повышение удобства для конечных покупателей. Банковское сообщество воспринимает ее вполне позитивно. Операции по безналичному расчету упорядочивают рынок, делают его понятным и прозрачным. По словам Давыдова, возможность безналичной оплаты позволяет клиентам экономить время, не платить комиссионные за снятие денег из банкомата, если под рукой нет терминала от банка — эмитента карты, использовать кредитные карты. — В инициативе государства, которое решило принудительно ограничить наличные платежи, есть своя логика, — говорит вице-президент МТС-банка Михаил Яценко. — В России есть крупный рынок серого капитала, и у магазинов есть способы занизить выручку. Как минимум это деньги, которые просто утаиваются от налогов. Новые нормы, конечно, проблему не решат, но существенное влияние, несомненно, окажут. Нововведение в первую очередь выгодно банкам, ведь размер их комиссии в рамках торговой оплаты достигает 1,5% от суммы операции (ее уплачивает банк-эквайер, с которым работает магазин, банку — эмитенту карты; торговая точка, как правило, платит эквайеру 1,6%). Платежным системам тоже приятнее — они получают комиссию с каждой сделки в 0,1%. Нововведение стимулирует рост объемов эквайринга и оборот карточных платежей. Россияне расплатятся за бессознательное движение к «пластику» В пресс-службах Роспотребнадзора, Центробанка и Минэкономразвития комментарии представить не смогли. Нетрудно догадаться, на кого магазины переложат свои новые издержки. — На мой взгляд, в конечном счете расходы, связанные с приемом банковских карт, лягут на потребителя, поскольку будут «зашиты» в стоимость приобретаемого товара, — считает Ирина Гудкова, руководитель центра правового обеспечения розничного бизнеса Бинбанка. — Кроме того, ряд организаций, работающих с большими суммами денежных средств (например, автосалоны, турагентства) устанавливают дополнительные комиссии при оплате товаров с использованием карт (в среднем она составляет 2–3% — «Известия»), в этом случае потребителю становится просто невыгодно расплачиваться картой. Целесообразно было бы законодательно установить четкий запрет на такие действия. Ритейлеры проявляют сдержанный пессимизм. — Торговые сети понимают важность и удобство для потребителей использование банковских карт, — комментирует исполнительный директор Ассоциации компаний розничной торговли Андрей Карпов. — В настоящее время практически все торговые сети предоставляют покупателю возможность оплаты покупки с помощью карты. Предложение штрафовать только торговые точки свидетельствует о непонимании его инициаторами механизма обеспечения безналичных платежей. Торговый объект только создает возможность для совершения платежа, установив соответствующие платежные терминалы, но сам эквайринг осуществляют банки. Объект торговли не должен отвечать за проблемы, возникшие у эквайера и в иных случаях. Эксперты указывают на один нюанс — граждане не могут быть в курсе, какой оборот у конкретной торговой точки, и поэтому нельзя исключать, что Роспотребнадзор после вступления поправок в силу рискует быть заваленным массовыми обращениями россиян. У многих могут быть свои счеты с теми или иными магазинами. По мнению собеседников «Известий», было бы правильнее, если бы торговые точки проверяли сами представители Роспотребнадзора — в том числе в качестве «тайных покупателей». Также нельзя не учитывать низкий уровень карточной культуры россиян — в основном граждане используют банковскую карту для снятия наличных в день зарплаты.

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Партнер правового бюро «Олевинский, Буюкян и партнеры» Юрий Федоров предполагает, что стимулирование безналичного оборота не случайно потребовалось в период энергичной расчистки банковского сектора, которую проводит Банк России. И при таких обстоятельствах оно призвано стать мерой, частично компенсирующей банкам падение к ним доверия со стороны клиентов. — Предложение ограничить использование платежных карт в торговых точках с выручкой меньше 60 млн рублей свидетельствует о том, что об интересах реальных потребителей авторы поправок не особенно беспокоились, — говорит Федоров. — И, возможно, в будущем, собираясь за хлебом, потребитель должен будет заранее определиться, покупать ли его в гипермаркете или в булочной через дорогу, есть ли у него с собой наличные деньги или только средства на карте. В мае 2014 года организации и ИП обязали принимать у населения к оплате банковские карты, а с 1 января 2015 года за невыполнение этого требования будут штрафовать. О том, кто может работать по-старому и что делать остальным, рассказывает эксперт в области налогообложения и бухучета Роман Покровский.

Какие компании обязаны принимать к оплате карты и что будет, если этого не сделать?

Организации и индивидуальные предприниматели, реализующие товары (выполняющие работы, оказывающие услуги) населению, должны принимать к оплате банковские карты. Правда, сейчас за нарушение этой нормы не штрафуют. Однако «льготный» период, длившийся с 5 мая 2014 года, подходит к концу. Уже с 2015 года компании и предпринимателей, не выполнивших данное требование законодательства, будут штрафовать. И штрафовать серьезно! Так, для юридических лиц размер штрафа составит от 30 до 50 тысяч рублей, а для должностных лиц организации (например, директора) — от 15 до 30 тысяч рублей. Понятно, что индивидуальным предпринимателям будут начислять штраф в размере, установленном для должностных лиц. Такие санкции предусмотрены ст. 14.8 КоАП в редакции Закона от 05.05.2014 № 112-ФЗ.

Кто может работать по-старому?

Однако принимать карты обяжут не всех. Организации и предприниматели, чья выручка или остаточная стоимость основных средств и нематериальных активов за прошлый год не превышает предельных значений, установленных для микропредприятий, смогут карты не принимать (ст. 3 Федерального закона от 05.05.2014 № 112-ФЗ, ст. 16.1 Федерального закона РФ от 07.02.1992 № 2300-1). Напомним, что предельный размер выручки для микропредприятий составляет 60 миллионов рублей, а предельные размеры остаточной стоимости основных средств и нематериальных активов в настоящий момент не установлены (ст. 4 Федерального закона от 24.07.2007 № 209-ФЗ, постановление Правительства РФ от 09.02.2013 № 101).

Критерии принадлежности к микро-, малым и средним предприятиям
Таким образом, организации и предприниматели, относящиеся к микропредприятиям, смогут не принимать банковские карты на законных основаниях. Подтвердить свое право не принимать карты организации смогут бухгалтерской отчетностью за предыдущий год, индивидуальные предприниматели на общей и упрощенной системе налогообложения — книгой учета доходов и расходов, а бизнесмены, применяющие ЕНВД, — журналами или тетрадями, в которых ведется учет выручки.

Что делать остальным?

Для того чтобы исполнить требование законодательства, предоставив покупателю возможность расплачиваться пластиковой картой, организации (предпринимателю) придется заключить договор эквайринга с банком. Договор можно заключить как с банком, где у организации открыт расчетный счет, так и с любым другим банком. Помимо договора компании придется обзавестись платежным терминалом (POS-терминалом). Его можно взять в аренду у банка-эквайера или приобрести самостоятельно. Также нужно приготовиться к тому, что с суммы выручки, проводимой через терминал, придется платить комиссию банку. Технически оплата картой выглядит так. Покупатель, расплачиваясь за товар (работу, услугу), проводит карту через POS-терминал. Терминал отправляет запрос в банк о наличии запрашиваемой суммы на счете покупателя. Если денег для совершения покупки хватает, то они списываются со счета покупателя. Если денег недостаточно, то операция не совершается. Важно помнить, что при оплате банковской картой, как и при расчетах наличными деньгами, необходимо применять ККТ, а следовательно, выдавать покупателю кассовый чек (ст. 2 Федерального закона от 22.05.2003 № 54-ФЗ).

Зачем это нужно?

Если у вас возникнут вопросы, можете бесплатно проконсультироваться в чате с юристом внизу экрана или позвонить по телефону 8 800 350-81-94 (консультация бесплатно), работаем круглосуточно.

Очевидно, что введение данной нормы позволит государству решить несколько задач. Во-первых, развить безналичные формы оплаты, увеличив количество точек приема банковских карт. Во-вторых, даст возможность повысить степень прозрачности работы малого бизнеса, а значит, снизить вероятность уклонения от уплаты налогов и легализации доходов, полученных преступным путем. В-третьих, будет способствовать стимулированию финансового сектора экономики. Ведь в дележке комиссии участвуют не только банк-эквайер, но и банк-эмитент, выпустивший карту, а также платежная система. Все это неплохо, однако бремя уплаты комиссии в конечном итоге ляжет на плечи потребителей.

Остались вопросы? Бесплатная консультация по телефону:

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