Pay for housing and communal services with a bank card. Methods and rules for paying for housing and communal services. How to pay via self-service devices

Every homeowner should know how to pay for utilities, payment deadlines, and the consequences of non-payment or late payment.

Only when the homeowner pays the rent on time will he be provided with a full range of utility services.

Important! If he refuses to pay bills or does it carelessly, water and sewerage may be turned off, as well as the provision of other public services may be suspended.

What utilities need to be paid for, and in what order this should be done, is regulated by the relevant provisions of the Housing Code of the Russian Federation, while according to Article 153, payment for these services is the direct responsibility of the owner of the residential premises.

The total amount of paid utilities includes payments: for the supply of electricity, for thermal energy, for gas supply, for sewerage, for the supply of cold and hot water

Currently, this type of payment includes current repairs and maintenance of housing; public utilities; major renovation of the building.

The total amount of paid utilities includes payments:

for the supply of electricity;
for thermal energy;
for gas supply;
for drainage;
for the supply of cold and hot water.

Moreover, if the apartment is rented out, the tenant does not pay, utilities are paid by the owner, which must be established by an agreement concluded between them.

The Housing Code sets the deadline for making payments - until the 10th day of each month

The Housing Code also establishes a deadline for making payments - until the 10th day of each month. The basis for payment is the corresponding receipt addressed to the owner of the residential premises from the management organization.

Important! In the event that the owner does not pay for utilities or delays making payments, enforcement action may be taken.

For example, the management organization has the right to limit the provision of utilities to a defaulter or refuse to provide them altogether. In addition, it is possible to recover the amount of unpaid invoices in court, along with penalties and fines for late payment.

It is possible to recover the amount of unpaid invoices in court, along with penalties and fines for late payment

Many residential property owners ask whether they need to pay utilities for a second apartment or house. There is only one answer here - yes. The fact is that the current legislation does not exempt the owner of a residential premises from paying utility bills if he does not live in it. Thus, even if your apartment is empty, you will still have to make some payments for its maintenance.

It is also worth knowing that existing benefits for utility bills must be confirmed by relevant documents: certificates, decisions, extracts from regulations. In this case, first payment for the service is made, and then its amount is compensated to the beneficiary within the framework of subsidies provided by the state.

It is worth knowing that existing benefits for utility bills must be confirmed by relevant documents: certificates, decisions, extracts from regulations

Main methods of paying utility bills

Despite the fact that paying for an apartment is a completely natural and understandable procedure, many home owners and members of their families sometimes simply do not know where and how to pay for utilities with a minimum fee and without queues. The thing is that recently completely new payment methods have appeared, which are not understandable to all representatives of the older generation. In connection with this circumstance, when asked where to pay for utilities, they usually answer that this needs to be done at the housing office cash desk.

ATM for paying utility bills

This statement is partially true, since payments through the cash desk of a management company or a multifunctional center are made by the majority of tenants, but recently payments directly to the organization that provides you with certain types of services have become increasingly common. Therefore, it will be possible to answer the question of where to pay utility bills only after you carefully study the receipts that arrive in your mailbox. Otherwise, you may make a mistake and make a payment in favor of the wrong person.

Despite the fact that many citizens believe that it is best to pay utility bills in cash, almost all management companies and specialized organizations also accept non-cash payments. Therefore, you should not save and put aside cash by the end of the month, but rather pay immediately after receiving the receipt. This will avoid the imposition of fines for late payments by companies operating in the housing and communal services sector.

Internet banking for utility payments

If we consider directly the methods of how to pay for utilities, they can be divided into main groups:

cash;
non-cash.

The group of cash payment methods includes payments made at the cash desks of the management company and resource supply organizations, as well as at Russian Post branches. Such payments are known to most citizens and are available even to elderly homeowners. Moreover, if you pay rent at the cash desk of the management company, you can simultaneously resolve some issues, for example, how to pay utilities in a communal apartment.

Mobile bank for paying utility bills

As for non-cash payments, you can use modern methods, this group includes:

ATM;
blitz payment;
Internet banking;
mobile banking;
electronic money.

These types of payments are preferred by young people who understand modern technologies.

Electronic money for paying utility bills

Thanks to them, you don’t have to visit the cash registers and accounting departments of housing departments or resource supply organizations.

Cash payments for housing and communal services

If we analyze in detail payments for housing and communal services using cash, then the first answer to the question of where to pay for utilities will be the cash desk of a housing office or multifunctional center. In addition, you can pay for receipts at Russian Post. But Sberbank, which for many years accepted these types of payments in cash, has recently switched to non-cash forms of work and has not accepted such payments for a long time.

This type of payment is perfect for those who do not know how to pay for utilities without using cash. In addition, it allows you to do this on time and does not depend on power outages and computer program failures. It is also very important that payments made in this way are immediately transferred to the account of the recipient organization. As a result, you do not incur debt to resource supply organizations and the management company.

Payment for utilities at the Russian Post office

The disadvantages of this method include the presence of long queues at places where payments for housing and utility services are accepted, as well as the slow progress of such a queue, since payers can pay several receipts at once. In addition, Russian Post may charge a percentage for this service (1.5% of the amount). This is important for those citizens who are worried about how to pay less for utilities.

Terminal for payment of utilities

Separately, it is worth mentioning payments using a payment terminal. This device resembles an ordinary ATM in appearance, only payment here is made using cash sent to a special bill acceptor. As a result, you do not visit the cash desks of specialized organizations and still pay in cash.

The advantage of this payment method is significant time savings, since usually there are no queues at the terminals and they operate around the clock and on weekends. In addition, you receive a bank check and not another document, which is important in case of any conflicts regarding utility payments.

The owner of a payment terminal can charge a very significant commission for payments made through it.

One of the disadvantages is that the machine does not take or give out coins, but only accepts bills. As a result, you have to overpay. In addition, the owner of a payment terminal can charge a very significant commission for payments made through it.

Non-cash payments for utilities

Non-cash payments for utilities are of interest to those payers who know how to pay for utilities via the Internet. The fact is that most of these payments occur precisely through the use of World Wide Web resources. Their advantages include the fact that you can pay without visiting the cash desk of the management company or resource supply organizations, while being, for example, at home.

Payment of utilities via the Internet

So, for example, many banks provide their clients with such a service as Internet banking. It is a clear example of how to pay for utilities via the Internet. To do this, you will need to obtain a login and password from your personal account on the bank’s website using a bank card. With their help, you can log into it, pay the necessary amounts from a card or your bank account.

More recently, the process of paying for housing and communal services required standing in line and took a lot of time. But modern technologies do not stand still. For the convenience of users, Sberbank, the largest bank in the country, uses special services that allow you to quickly pay for any product or service. Anyone can take advantage of the opportunity to quickly pay for utility services through Sberbank, even those who are not a bank client.

Via terminal

Self-service terminals make it possible to perform various payment transactions, including paying. Payment for services through an ATM or Sberbank terminal is carried out both using a card and in cash. It’s easy to find the terminal – the bank’s official website has information about their location.

Instructions for making payments for utility services through a Sberbank terminal or ATM depend on the payment method - cash or card.

Payment by card

This method is available only to the bank client and consists of the following steps:

Insert the card into the device and enter the password.
Click on the “Payments and Transfers” or “Payment for Services” tab.
Select the group “Utility payments” or “Payment for housing and communal services”.
Determine how to enter data: manually or using a barcode. When choosing the second method, all receipt data is entered automatically.
If you selected the first input method, select the payee.
Then the payer code is entered from the receipt.
After entering the code, the payment period is entered: month and year.
The device will request meter readings. If you are going to enter them, click “Yes”; if not, click “No”.
The device will then provide the option to enter the penalty amount. If it is missing, select "No" and click "Next".
The payment amount that is already in the bank’s system will automatically appear on the screen.
After clicking the “Continue” button, all entered data will be displayed on the screen, which should be carefully checked. If an error is found in the data, use the “Correct” button.
Click the "Pay" button and wait for the receipt to be issued.

If the operation is successful, the specified amount will be debited from your card, and an SMS notification about the debit will be sent to your phone.

Payment in cash

The procedure for paying a utility bill in cash is slightly different:

The following points are similar to points 6 – 11 of the previous instructions. Next, the system will offer to deposit money into the bill acceptor. Since change is not provided, the user will be asked to transfer the balance to a phone account or charity. After depositing funds, the machine will issue receipts for payment and delivery.

ATTENTION! The money arrives at the supplier's account within 3 days, but most often it arrives the next day after payment.

There are situations when funds do not reach the recipient. Then you need to check the entered details and contact bank employees for help.

Be sure to save the receipts you receive for paying for housing and communal services. Their presence will prove the fact of payment if funds are not credited to the supplier’s account.

Through the Sberbank-online application

You can pay utility bills without leaving your home using the Sberbank Online application. To do this, you need to have a bank card, Internet access, and also activate the Mobile Bank SMS notification service.

The payment procedure is as follows:

After confirmation of payment, a payment receipt will appear on the screen, which you need to save and, if possible, print.

The status of the transfer can be checked in the “Payment History” section. If the operation fails for some reason, the money will be returned to the payer’s account. The application has the ability to save regular payment data in the “Template” item.

In addition to paying via the Internet, you can pay utility bills from a card by activating the “Autopayment for housing and communal services” option from Sberbank.

"Autopayment" service

The free service “Autopayment for housing and communal services” from Sberbank is aimed at regular and timely rent payments. You can activate the service:

in the “Sberbank – online” application in the “My auto payments” item;
using self-service terminals, going to the “Payments and Transfers” section, then “My Payments”, then “Autopayments”;
at any bank branch.

Before connecting to the service, customers want to know how autopayment works. The bank informs the client 24 hours in advance by sending an SMS about the upcoming withdrawal of funds. At the appointed time, the amount for gas, electricity and other utilities is debited from the client’s card. Automatic payment can be made according to an invoice (for example, payment for electricity or water supply depends on individual consumption) or be fixed.

There are several ways to disable the “automatic payment for housing and communal services” service:

through Sberbank - online in the appropriate tab. If you have several auto payments, select the one you want to cancel;
by sending SMS. You must send the message “Autopayment” to number 900;
via a self-service device. In the “Information and Service” or “Mobile Bank” item, look for the “Autopayment” tab, select “Disable”;
by calling the Sberbank hotline. To do this, you need to call 8-800-555-55-50, ask the operator to disable the service and provide the required information about yourself;
through a bank branch. Any specialist and consultant will help you disable this service.

This method does not require constant data entry and monitoring of the payment date. The bank itself will remind you of the due date and write off the required amount.

Payment at a bank branch

If you have problems with payments via the Internet or terminal, you can pay for utilities at a bank branch. You can do this through the bank's cash desk in cash or by debiting funds from your account. To make a payment, you must have a receipt with you indicating information about the payer and the recipient's details. Proximity to home and the possibility of consultation gives a significant competitive advantage to the bank in the provision of services for accepting payments for housing and communal services. This method requires waiting in line and involves a commission.

In order not to wait in line, the client has the opportunity to contact any office consultant who will help make payments through a terminal or mobile phone with an application installed on it.

Payment for housing and communal services using various Sberbank services has become a convenient and fast procedure. Each consumer can choose the optimal payment method, taking into account their capabilities and availability of free time. An extensive network of branches and many self-service devices create comfort for utility service users.

The Plenum of the Supreme Court approved a resolution regarding payment for utility services. These clarifications will be used by courts, management companies and resource providers. They need to be studied by everyone who owns an apartment or is on social rent. And even those who simply live with relatives.

Ekaterina Miroshkina

studies housing and communal services

The resolution contains 16 pages and 47 paragraphs of complex wording. We have translated the most important ones into understandable language and are telling you about them.

What documents establish the rules of the game?

Here are the documents that regulate the payment of utility services:

These are not all the documents, but most often they are enough to understand everyday issues regarding communal services. If a conflict arises or something is unclear, you need to study them first. The courts do the same.

Some issues are resolved at the regional and local level. For example, they establish how much to pay for major repairs or what standard is used to calculate water without a meter. You need to look for such documents on your administration website.

If the law does not stipulate how to resolve the issue with utility service providers or the management company, the Law “On the Protection of Consumer Rights” applies.

Which court should I go to if I have complaints?

If a resource provider sues the apartment owner, the case will be heard at the debtor’s place of residence.

Not only the management company, service provider or owner can go to court regarding payment for utilities. The prosecutor can also do this if he finds that someone’s rights have been violated. For example, the administration increases tariffs or there is no water in houses for a month.

Why are utility debts written off without trial?

In fact, when utility debts are written off, there is not only a court hearing. There is definitely some kind of decision from the judge. This is legal if the debt is no more than 500 thousand rubles. The service provider can then apply to the court for a court order. This is a special procedure for collecting undisputed debts without a court hearing, summoning the parties and additional documents. But this is not a violation.

Such things are ongoing. By law, the debtor must be warned and given time to object. Usually these formalities are observed.

There really are courts.

But for various reasons, the notification may not arrive, or it may not be received - then the money leaves the card or deposits unexpectedly and even in the negative.

Sometimes debts are written off illegally following a court order. In this case, there is no need to figure out why you were not summoned to court: this is the procedure according to the law, so you were not summoned. You need to figure out who wrote off, for what and how to return the money. If it was written off by mistake, the money will be returned.

If the debt cannot be written off by court order, claims regarding payment for housing and communal services may be considered through simplified proceedings. In this case, the owner will also not be summoned to court and will not have a preliminary hearing. And this is also legal. Check the mail at your place of registration to find out about claims and lawsuits in a timely manner.

What do you need to pay for if you live in an apartment? What can you not pay for?

The Supreme Court did not say anything new, but explained the nuances.

maintenance of the premises: routine repairs, house management, common property;
utilities: water, gas, electricity, heating, sewerage and garbage collection;
renting a premises if it is state-owned and there are no benefits;
major repairs, if the premises are owned.

You have to pay for all this. Major repairs are also a mandatory payment, and not a voluntary transfer to some fund. There are rumors that you don’t have to pay for major repairs and nothing will happen for it. This is not true. The debt will accumulate, and someday it will be collected.

Why do you need to pay for common property?

Because each owner owns not only his own apartment, but also a share in the common property. This ownership right is not officially registered with Rosreestr and arises by default. It cannot be abandoned, bought or sold separately from the apartment. And it is also impossible to allocate a share in the common property in physical terms.

The land plot on which the house is located is also common property. The landscaping on its territory, swings and benches are also shared. Basements, roof, stairs and elevators too.

You own part of the land, swings, benches, trees, roof and elevators

Owners and tenants are required to pay to ensure that all this is in good condition, safe and accessible.

And if you don’t use common property, can you not pay for it? For example, for an elevator.

It is forbidden. The obligation to pay for the maintenance of common property does not depend on whether a specific owner uses it or not. Even ground floor residents must pay for elevators and stairs throughout the building.

If the owner does not have an agreement with the management company, is this a reason to refuse payments?

Who decides how much to pay for the maintenance of common property?

The management company cannot raise tariffs on its own and present the owners with a fait accompli. You can’t take numbers out of thin air either: prices for the maintenance of common property must be justified and reasonable.

The decision of the general meeting of owners regarding the amount of payment can be challenged in court. If successful, the document will be declared invalid, and payment for the entire period will be recalculated at the previous rates. This should be taken into account by those who are going to challenge the decision of the general meeting: what if the previous tariffs turn out to be higher or the conditions will be worse. You can trick yourself.

How much to pay depends on the size of the apartment: those who have a larger apartment pay more. The number of registered or owners does not affect the amount of payment for common property.

If there is no meter or readings are not transmitted, how are payments for utilities calculated?

Without meter readings, they calculate according to the standards and tariffs that are established in the regions. We have already talked about this in detail, and now the Supreme Court has confirmed that this is correct.

What to do if the quality of services is not satisfactory? The heating is poor in winter, the water is not hot enough or it is often turned off.

Violations by the management organization or service provider must be recorded. To do this, it is not necessary to draw up an act: witness testimony, video recordings and examination will do.

You need to be careful with video recording. The court may not accept any record. It should be clear from the video where and when the filming took place and whether the law was violated.

In addition to recalculating payments for poor-quality services, you can collect a fine from the management organization or supplier and demand compensation for losses and even moral damages.

Collect evidence, go to court

If problems with utilities arose through no fault of the management company, conventional energy sales or water utility, it will not be possible to sue for damages. This will happen if something unexpected happens: fire, flood and earthquake. But in any case, the performers will have to prove insurmountable circumstances in court, and not with words.

Who should pay for utilities if the apartment is under a social lease agreement?

Joint and several liability is when the creditor can collect the debt from any family member. Therefore, it is pointless to seek the truth if the employer is a husband, and the money is taken from his wife or adult children who live with him.

They can write off the entire amount or only a part from a relative who lives in the same apartment. But the former family member, even if he has the right to live in the apartment, is responsible for his debts himself.

The employer and his family pay

In order for everything to be fair, you need to conclude an agreement with him, which will indicate what part of the expenses needs to be paid. If an agreement cannot be reached, the court itself will calculate the share of the total area, and the management organization will send a separate payment to the former family member.

How do owners pay?

Owners are required to pay for utilities from the moment they take ownership. Heirs - from the moment the inheritance is opened. Buyers of apartments in new buildings - when the deed is signed and there is permission to put the house into operation.

If there are several owners, everyone must pay in proportion to their shares. Everyone can enter into a separate agreement, and they will be issued a payment only for this share.

If the owner is a child, the parents pay for it. It does not matter whether the parents or one of them lives with the child or not.

The owner and family members also have joint liability for utility debts. But you can agree on a different distribution and fix this in the agreement. If there is an agreement, then debts will be collected even through the court according to this document, and not as they want.

Debts for utilities can be written off from any tenant of the apartment, even if he is not the owner

The former family member of the owner, who has the right to live in the apartment, is jointly and severally liable for the debts.

By default, family members are parents, children, and spouse. But other relatives who live with the owner can also be recognized as family members. Even if they are distant relatives and even if not his.

When is it beneficial to be divorced?

Shared owners are not jointly and severally liable for utility debts. And family members carry it.

Here are examples of how it works:

If the ex-husband and wife each have ½ shares in the apartment, then each is responsible only for their part of utility costs. Then the ex-husband’s debt will not be unexpectedly written off from his card and vice versa.

If the spouses are officially married, the owner is the husband, and the wife has no share in the apartment at all, then she is responsible for the husband’s debts to pay for housing and communal services. And she can have the entire amount or part of her husband’s debt written off by court order.

For joint and several liability, it is important that, in addition to documentary proof of relationship, family members live in the apartment and use it. This can be of fundamental importance when the owners are not spouses, but, for example, siblings, children and parents with separate budgets. Or when a husband and wife have separated, but according to documents they are still family members and are registered in the same apartment.

You need to carefully fill out the documents so that you don’t have to pay for strangers. And pay off your debts on time so as not to let your loved ones down.

Who pays for major repairs?

The owner must pay for major repairs. Only he can write off such a debt, but not other family members. Unlike debts for electricity and water, debts for major repairs are transferred to the new owner of the apartment. You need to be careful when buying a home so that you don't accidentally buy someone else's debt. And pay off debts in advance if you sell.

We chose a management company and pay it for utilities. But she did not enter into an agreement with the resource supplier and does not transfer money to them. What does the law say?

The management company purchases resources for the house under a contract. But if she has just been chosen and the contract has not yet been concluded, there may be problems. It seems that the residents pay, but the resource provider does not receive money and can turn everything off. The Supreme Court gave clear and very important explanations on this matter.

If, in fact, the management company has taken up its responsibilities and receives payments from owners and tenants, and service providers issue bills to it, then it has become a utility provider.

The law says: “There is nothing here!” The truth is on the side of the residents

You can demand from it what is required by law: residents - quality services, and resource providers - money.

Now, smart management companies will not be able to escape responsibility unless there is a binding written agreement. But residents should not fall for these tricks and can demand their own.

If the Criminal Code has changed, but someone didn’t know and paid using the same details. What will happen to payments?

Everything will be fine. If payments were made on time and it can be proven that the owner did not do this out of cunning, but simply did not know, then the management companies will sort it out among themselves. The new one will demand all payments from the previous one, and they will be credited to the owner.

If we don’t live in an apartment or go away for a long time, can we not pay for utilities?

Not being in an apartment is not a reason not to pay for housing and communal services. This includes paying for heating, common property and management company services. And for major repairs too.

If there are meters, the readings will be zero during absence - there is no problem. If there are no meters and it is impossible to install them, you can write a statement - the fees for electricity, water and gas will be recalculated. To do this, you need to submit an application before departure or within a month after it and confirm your absence with documents. For good reason, the application period can be extended.

If you don't pay, can they turn off the lights and turn off the water?

By law they can. But first they must warn in writing, and the debt must be large.

Not any amount of debt for a utility service is a reason to turn off electricity and water to residents. The Supreme Court explained that such actions must be proportionate and not violate the rights of other residents. If one apartment owner does not pay for light for two months, it is impossible to turn off the light in the entire apartment. And if there are small children there, you need to think a hundred times more.

If you rent an apartment, can you get a subsidy for utilities?

If you have a utility debt, will they not give you a subsidy or compensation?

By default, you cannot have debts to apply for social support. But the Supreme Court said that each situation needs to be examined: why the debt was created, when it appeared and what was done to pay it off.

For example, you can enter into an agreement on the procedure for repaying the debt, and the subsidy will still be issued. If the head of the family has lost his job, got sick, or has minor children, social support must be provided in any case, even if there are debts.

These are not all the questions about paying for utilities that concern apartment owners. We analyze some situations in answers to questions from readers. We also publish news and explain court decisions in the housing and communal services sector. We will soon analyze in detail complex situations about counters. If you have questions, ask.

For a modern person, paying utility bills via the Internet is a reliable and convenient way. Thus, online payments simplify life and save a significant amount of time, and the operation itself is very simple.

To transfer funds to the accounts of utility service providers, it is enough to have a computer, the Internet and a bank card. And today there are quite a lot of proposed options; you can choose the most convenient and profitable method.

Payment through Sberbank online

Payment can be made in several steps, without leaving your computer and with only a bank card in your hands:

Go to the official website of Sberbank.
Go through authorization(lately this procedure has been performed automatically upon receipt of the card at the branch).
Enter your username and password, after which you will receive a message on your mobile phone with a special secret code; you must enter it in the appropriate window).
Select the “payments and transfers” section.
Important point! Be sure to include your city of residence as service providers vary by location.
Select the required item “Housing and communal services and home telephone”.
Next is “Rent”.
Service Provider Name(indicated on the invoice).
Fill in the details and enter the payment code.
Next step indicate the required period.
Enter the amount to pay exactly to the penny, as indicated on the receipt.
Confirm the operation.
At the last step save or print the receipt.

The operation is quite simple and is not much different from actions through a terminal in a savings bank, but it saves a lot of time.

Through payment systems

The most common payment systems:

« RBK-money";
Qiwi;
WebMoney;
Yandex. Money;

Latest Yandex. Money is the most accessible, since it is open to all users who are mail clients of the system.

For payment you need:

Log in to the Yandex system.
Select the Yandex section. Money .
In the list of services, select - pay a receipt.
Next – housing and communal services and services (gas, electricity, etc.).
Fill in the fields with the recipient's TIN, payer data.
Confirm payment(two-step payment system, you will receive a password on your phone).
Save or print your receipt.

Funds are credited to the recipient's account within 24 hours, but there may be delays of 2-3 days, this should be taken into account.

You can also pay your rent bills using the WebMoney system, but registration in the system takes longer. You need to download a special program "WebMoneykeeper" and receive a formal certificate. After all the steps, you can perform almost any operation to transfer funds to the accounts of legal entities.

As in any situation, payment through payment systems has its advantages and disadvantages.

Pros:

Save time.
It is not necessary to have a bank card.
Possibility of payments not only for rent, but also for other bills.

Cons:

On account Electronic money must be prepared.
Perform an operation you need a few days before the payment date, like in a bank.

Through the government services portal

The government services portal launched a new service gosuslugi.ru and provided the opportunity to pay bills via the Internet using a bank card, as well as track all accruals and debts for utility bills in real time.

The attractiveness of this method is that confirmation of payment occurs instantly, and in your personal account you will receive detailed information about previously paid invoices, as well as newly issued ones.

This method really has a number of advantages over others. It is enough to register in the system and have a bank card at hand. You don’t have to worry about incorrectly entered details, because the system independently generates invoices during client identification - for this you will need to enter passport data, contract or personal account number.

All you need to do is determine the option for the settlement transaction, confirm the transaction and complete the payment transaction. After completing the payment, the payment receipt is automatically sent to the state regional administration.

Also, on the organization’s website, you are provided with a service calculator to calculate the entire cost of paying for an apartment per month. Payment is made immediately for all housing and communal services without division, which is quite convenient.

So, to make a payment you need to:

Login in the system, log into your personal account.
Go to the “accruals” section.
Select a service provider.
Enter your personal account number.
Enter the amount to pay(at this step you can also enter meter readings, as well as the meter number).
Enter your bank card number, expiration date, code on the back of the card.
Pay.
Print or save the payment receipt.

It is worth paying attention that the bank will charge a commission for making a payment, its amount is indicated on the check.

Receiving/storing information

To regularly receive updated information about accounts, as well as payments made, you need to link your personal account numbers in your personal account once. This can be done in the “accruals” section, then “my accounts”. Now you can make monthly bill payments without entering additional details.

All information is saved in your personal account; if necessary, you can see at any time when funds were credited and in what amount.

Through the Rapida system

On the website https://www.rapida.ru, the user can make payments using utility bills; to do this, they must have funds on their balance sheet, as well as a Rapida plastic card.

Actions:

Log in to the site.
Select “Rapida Online”.
Next is “Utility Payments”.
Select payment recipient and check his details.
Pay.
Save or print the receipt.

Through the "Payment" system. ru"

The website https://www.oplata.ru also makes payments for housing and communal services to the population. This requires a bank card and registration on the website. Registration is paid - 150 rubles. Important so that during registration on the portal the card account balance is positive.

The algorithm of actions is similar:

Log in to the system.
Select one of the types of housing and communal services.
From the list of enterprises select what is indicated on the payment receipt.
Check company details for the provision of services.
Enter payment details.
Make a payment.

For a one-time payment, you can use the “payment without registration” option. It is suitable for paying bills for the Internet, telephone, television, housing and utility services. You will need the subscriber's personal account number and payment document number.

Other payment methods

All service providers have official websites through which you can also pay for gas, home telephone, heating, water supply, electricity.

Each enterprise has an individual system of actions, but there are standard schemes:

Register on the website to access your personal account.
Registration confirmation via email (usually you will receive an email with a confirmation link).
After logging into your personal account, select the payment section.
Make a payment on the invoice.

This is the general picture in which additions may occur.

The operation takes place through the bank that services the selected company.

The disadvantage of this method is that you will have to go through the registration procedure on each site separately, confirm it, and perform several operations, which will take more time.

Risks, pros and cons

The most common danger is illegal hacking. Before registering on various sites, consult with those who regularly use such services via the Internet or contact the utility service or bank employees.

To summarize, let’s summarize the advantages and disadvantages of paying utility bills via the Internet.

Advantages:

Commission. When making payments through Internet banking, as a rule, no commission or additional fees are charged. On those resources where commission fees are still present, their size is minimal, rarely exceeding 50 rubles;
Convenience. Even an inexperienced user can easily figure it out; the system is designed in such a way that there are hints at every step;
Story. A payment history is saved in the user’s personal account, which can be viewed at any time;
Auto payment. Quite a new and convenient service. Most resources provide this option; you can configure the payment parameters yourself;
Payment receipts. Each system allows you to print a payment receipt or save it electronically on your own computer.

Disadvantages (usually caused by user inexperience, which are easy to eliminate):

Fraudsters. Many people worry that the payment will go to the wrong place. To avoid leakage of funds to scammers’ accounts, it is necessary to use only specialized and licensed resources;
Error. Some are afraid to pay a receipt that is not theirs. It is almost impossible to do this, since at each stage the user checks the details of the recipient and the payer, and the payment order shows the account number, apartment address, amount, period, owner’s initials, etc.;
High commissions. Intermediary sites do charge fees, so use specialized utility payment systems.

With careful study, everyone will choose the most profitable way to pay for utilities. For the older generation, which is not particularly proficient in computer and Internet technologies, it is of course more common to pay through a bank, but the younger and younger generation are happy to use online services without leaving home or without leaving their workplace.

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