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Eight signs of dubious payments identified in the Central Bank
The Central Bank of Russia has determined the criteria for questionable payments, illegal payment transactions will be prevented. However, experts warn that ordinary citizens may also suffer from such measures. And the procedure for whitewashing payments is not provided.
According to "Merchant”, The new measures are aimed at combating some payment instruments. In particular, electronic wallets and cards used by illegal casinos, financial pyramids, illegal forex dealers and cryptocurrency Internet exchangers.
As noted in the Central Bank, such a shadow sector is connected to the Internet pages of credit organizations, because of which citizens can lose their money, and they can also be involved in fraudulent schemes. The regulator calls on banks to control information about such transactions and payment instruments and provide it to the Central Bank.
The Central Bank identified eight signs of such payments. Suspicions should be caused by the frequency of transactions - more than 10 in the money of more than 50 individual counterparties per month, or more than 30 transactions per day carried out by individuals. It is necessary to pay attention to the operations of crediting non-cash funds between individuals in the amount of more than 100 thousand rubles. per day or 1 million rubles. per month, especially if less than a minute has passed between the crediting of funds and their debiting.
You need to control the operations of crediting and debiting funds, carried out within 12 hours of one day. If the counterparty does not have payments in favor of legal entities that provide livelihoods (payment for utilities, communication services, goods). Also among the features is the coincidence of identification information about the device used by different individuals for remote access to bank services. And if during the week the average balance of funds in a bank account does not exceed 10% of the average daily volume of transactions, then banks should also pay attention to this.
Viktor Dostov, Chairman of the Council of the Association of Electronic Money and Money Transfer Market Participants, noted that ordinary citizens may suffer according to these criteria. For example, how to distinguish a birthday person to whom 15 friends have sent five thousand rubles each? Small entrepreneurs also have risks. Also, 30 transactions can be made among parents of the same class when collecting funds. At the same time, in the event of an error, the Central Bank does not explain the whitewashing procedure.