In what cases may you need UIN and UIP for payments at Alfa-Bank?

When filling out a payment order for transfer to the bank, entrepreneurs must fill out all fields clearly and correctly. If you miss even one line in the payment, it may not be taken into account by the government agency, which will lead to delay and its consequences - fines, penalties and other sanctions. Often, for the user filling out the document, column 22 is difficult, where you need to enter a unique payment identifier (UPI). Not everyone understands what it means and how it differs from a similar abbreviation - UIN.

What is the UIP in the payment order?

Regulation 383-P defines how money transfers should be carried out:

1. The client issues a written order by filling out a special form.
2. The bank makes the payment.

The following may serve as written orders:

• notifications;
• collection orders;
• requirements;
• payment orders, etc.

The last document listed is the most common and is the main means by which counterparties make non-cash payments to the state budget.

Expert opinion

Alexander Ivanovich

Financial expert

Important: The payment order has been approved by the Bank of Russia. Its form must clearly comply with the requirements of the above Regulations.

According to the Regulations, in line 22, the person filling out is required to indicate a special UIP code.

The abbreviation UIP stands for “unique payment identifier”. This is a digital code that includes 20 or 25 characters, all of them are unique and cannot be repeated on two payments.

The following information can be determined from the symbols:

• who is the payment administrator;
• what is the enum type;
• what documentation serves as the basis for action.

The UIP is assigned not by the payer, but by the organization receiving the payment. The law does not oblige the payer to independently find out the code necessary to fill out the form.

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Decoding the UIN code in the payment, payment identifier

Many accountants confuse the UIN and UIP of the payment. These are related concepts, but not the same thing.

UIN is also a unique identifier, but not a payment, but an accrual. It also contains 20 or 25 numbers, each of which carries some meaning. So, by the first 3 characters you can determine who receives the amount being sent, then comes the payment id itself, followed by the details in encrypted form. The list is completed by a check character built in to check all previous characters.

Expert opinion

Alexander Ivanovich

Financial expert

Important: transfers are made on the basis of documents. In field 22 the code from the document on the basis of which the specific payment is made is entered.

In 2022, accountants do not delve into the details of what to indicate in the UIN or UIP instructions. The main thing is that the payment identifier is present and corresponds to the numbers provided in the request of the government agency.

How to fill it out correctly?

When taxpayers make payments to the budget system of the Russian Federation, they fill out a payment order. In addition to the unique identifier, the entrepreneur must indicate:

• TIN;
• checkpoint;
• BIC of the institution through which the payment will be made;
• name of the bank, its legal address;
• the current account from which the transfer will be made;
• type of payment (code);
• date of the operation.

The number is entered into the line of the unique payment identifier - 22 (field code). Do not fill out only if payment occurs on time. In this case, enter “0” (zero) in this line.

Error in UIN

When transferring money to the budget system, all information about this is transferred to the GIS GMP. This is the State Information System about state and municipal payments. If the UIN is not specified correctly, the system will not recognize the payment to the organization. But, even if the unique identifier is incorrect, the bank is obliged to accept and execute a payment order from its client. The money will freeze and get lost in payments.

But in the budget system, payment will be considered not executed. This will lead to the following consequences:

• the enterprise or individual entrepreneur will have a debt to the budget and funds;
• penalties will continue to accrue;
• the likelihood of seizure of company accounts;
• threat of suspension of the activities of an economic entity.

The payer will have to find out the fate of the payment and clarify it. Funds will arrive to the budget and funds with a delay.

If you make a mistake in the UIN

Using the UIN number, taxes, insurance contributions and other payments to the budget are automatically recorded. Information about payments to the budget is transmitted to the GIS GMP. This is the State Information System about State and Municipal Payments. If you specify the wrong code, the system will not identify the payment. And the obligation to pay will be considered unfulfilled. And as a consequence of this:

• the company will incur debt to the budget and funds;
• continue to accrue penalties;
• you will need to clarify the payment and find out its “fate”;
• the money will arrive to the budget or funds with a delay.

When is it necessary to write a unique payment identifier?

Not in all situations, when issuing a payment order, it is necessary to indicate the UIN. It is necessary when funds are transferred to the state budget or municipal or government services are paid for. UIN is also required when it comes to tax collections.

When filling out the column, separate the identifier from other information with the sign “///”. Example of filling out paragraph 22: “code consisting of 20-25 digits /// Unified tax according to the simplified tax system (6%) for 2021)”

If the UIN is not specified or is entered incorrectly, the bank employee who checks the correctness of the order returns the document to the citizen who submitted it.

According to the Regulations mentioned above, the UIN must be indicated in cases where this code has already been assigned to the payer by the organization that receives the funds. The code is assigned in 2 cases:

1. When the payer, in accordance with the received payment request, makes payments of taxes and contributions to extra-budgetary funds. The code is reflected in the request; it needs to be rewritten from the document to line 22.
2. When the organization receiving the money assigns an id to the payment. Its management is obliged to inform the payer of the code. For its part, the bank can check the correct spelling of the UIN, which is reflected in the banking service contract.

Expert opinion

Alexander Ivanovich

Financial expert

Important: if the payer does not know the identifier, instead of the UIN, he must put the number “0”, since filling out the field is mandatory. If there is no “0” or UIP, RNKB, Sberbank, Tinkoff and any other bank will not accept the payment.

For individual entrepreneurs and similar business representatives, when putting their TIN in field 22, it is enough to enter “0”.

UIN for payment of current taxes and contributions

If the taxpayer transfers taxes, fees and contributions calculated independently to the budget, then the UIN does not need to be indicated in field 22 of the payment slip. For current payments to the budget system, it is enough to indicate the value “0” in field 22.

Important! You cannot leave the UIN field empty in a payment order. This is considered an error. The financial authority or bank will reject the payment due to incorrect documentation.

Current payments should be considered all types of budget payments that a company or individual entrepreneur has independently calculated and transferred to the Federal Tax Service. Examples of current transfers for UIN “0”:

• Personal income tax on wages for the current month;
• Insurance premiums accrued on staff salaries;
• Quarterly property taxes (advance calculations);
• Tax on profit and property of an organization;
• Trade fee for companies in Moscow;
• Other independently calculated fiscal fees and obligations.

If an organization independently identifies arrears in taxes and fees and prepares a payment order to the Federal Tax Service, then the UIN takes the value “0”. Enter zero in the UIN field if you pay penalties, interest and fines that you calculated yourself, without coercion from the tax authorities.

A special UIN code is needed only for transfers upon demand or other compulsory document for collection.

Why is field 22 required?

The 22nd field appeared in 2014. The obligation to fill it out is imposed on all payers by the Russian Ministry of Finance. The purpose of introducing this requirement is to achieve the following:

• reducing the number of errors made when processing payments to the budget;
• improving the quality of work of government employees;
• optimization of the process of transferring funds and their accounting;
• acceleration of payments.

Identification data is also present in the TIN, which makes it possible in some cases to replace the UIN digits with 0.

Where to get it

In some electronic payments that are carried out through Sberbank Online services, identifiers are determined automatically. If this does not happen, a logical question arises for payers: where to get the necessary coding so that the payment is not lost, but is delivered to its destination.

In terms of obtaining a UIN, there are usually no difficulties. This information is indicated on receipts intended for payment. Therefore, all that remains is to carefully retype the numbers in field 22 of the electronic payment. The code itself is a 20-digit numeric combination, where:

• The first 3 digits are the payment distributor, for example, the tax service code is 182, and the traffic police code is 188.
• The fourth digit is the code of the recipient organization.
• The remaining numbers are additional information necessary to transfer funds.

It should be clarified that the UIN cannot be found independently using tables or online directories. The code is unique, therefore it is assigned to each payment individually.

In the case of obtaining a UIP, everything looks a little more complicated. This encoding must be obtained in advance, when you first complete the documentation. The following organizations can issue an identifier:

• Social Insurance Fund.
• The Federal Tax Service.
• Pension Fund.
• Customs Service.

If the payment identifier is not received, 0 is entered in column 22. In this case, the bank will make the transfer using the payer’s TIN and other details of the recipient organization, for example, KBK. If a code is assigned, it must be entered. If the sender makes a mistake when entering a digital combination, the funds will be credited to the bank account of another organization.

Let us add that there are still no firm and mandatory instructions for the use of UIN or UIP by payers in each specific case, therefore electronic payment systems perceive both identifiers equally. Therefore, the UIP has not yet become widespread, given the specifics of its receipt: it is provided to heads of organizations and individual entrepreneurs.

Where can I find the UIN and how can I find it out?

As already noted, the identifiers are generated by the receiving party. If we are talking about paying taxes, you can find out the necessary figures by contacting the tax authority. If the tax office has not assigned a UIN, in the appropriate column you need to write a single number - 0 and separate it from other information with the symbols ///.

What documents are required to obtain an ID?

If there is a need to contact the payee to clarify the identifier, you must provide the following documents:

• identity card of the applicant;
• registration documents of the enterprise;
• papers confirming the right of the applicant to receive information, or a power of attorney from management.

What is the identifier for?

When you receive a new card at a Sberbank branch, its employees offer to immediately connect to the online service system, help you obtain an ID and passwords, advise you on the advantages of using Sberbank Online, and tell you the rules for using the system.

The main advantage of the system is convenient and instant service, regardless of the client’s location and distance from bank terminals and bank branches. Anywhere in Russia where there is an Internet connection, you can make payments, transfer money, and manage amounts stored in client accounts. Thanks to the capabilities of the Internet, Sberbank has become even more accessible and has acquired a lot of new clients.

Internet banking from Sberbank offers its services for managing the following financial transactions:

• payments, transfers;
• balance, details, card statements;
• history of transactions in the system with the possibility of repeated payments;
• management of deposits, accounts, loans;
• setting up auto payments.

For whom is UIP necessary?

Legal entities and private entrepreneurs cannot independently determine the id to fill out the payment form. Unique codes are created by government agencies that need to organize the huge volumes of information received daily by services.

State UIN is required. authorities for the following:

• reduce the risk of payments that cannot be determined: from whom, the purpose of the transfer;
• reduce the number of uncertain payments entering the state treasury.

Rules for writing code

In addition to the fact that you need to know what it is - UIP in a payment order, you also need to be able to write it down correctly.

Methods and types of payments with UIN

Entrepreneurs and legal entities indicate the identifier in cases where the company was required by a government agency to make a payment. The requirements always contain a UIP or UIN for transferring it to the order form.

The requirements include the following types of payment:

1. Insurance premiums. This area is controlled by the Federal Tax Service.
2. Taxes and penalties.
3. State duties.
4. Penalties.

Various payment methods are allowed:

1. Through the State Services website. The system automatically enters the UIP number. If the person filling in the 22nd column placed “0”, this action will not be regarded as an error.
2. Through terminals. When using this option, the payer cannot specify the identifier, therefore it is allowed to replace it with “0”.
3. Bank. Employees of a financial institution can return an order only if column 22 is empty. If “0” or id is entered there, the form will be accepted.

What to do if the payment came with the wrong code

If there is no code in the field of the payment order that corresponds to the UIP code, it may not be filled in, or you can enter zeros there. If the wrong code was written, then it is necessary to perform a series of sequential actions:

• It is necessary to rewrite the payment order, indicating the correct UIP, and then make the payment again.
• You need to write a statement to the organization to which the payment was made with incorrect details, indicating the reason why it should return the money to the sender. In this case, the reason for the return is indicated as incorrectly entered details.

The application must indicate the details of the current account where the funds will be returned.

The wait for a refund may take quite a long time. It depends on where exactly they ended up.

Does the bank have the right to demand a UIN?

Anyone who has to fill out payment orders should know that an id is only needed when it comes to interacting with government agencies.

Bank employees should not require payers to non-state services to indicate an identifier. It is enough to fill out the TIN column and put “0” in section 22. If you do the opposite, which happens in some cases when bank employees fill out forms, the identification of the taxpayer is violated.

Why do you need a UIN?

UIN is required for quick and efficient distribution of funds. Representatives of banks and budgetary structures, based on this code, determine to whom the funds are intended. Since the code serves as identification, it will be unique for each payment document.

The UIN system serves to simplify the system of budget payments and fees. It allows you to exclude the appearance of payments with an undefined purpose. Specifying the identifier allows you to be sure that the funds will definitely reach their addressee.

Legislative justification

Regulation 383-P (which contains general rules for money transfers) obliges banks to make payments based on customer orders. These include receipts, notices, and collection requirements. However, among all this diversity, the main means of settlement with both counterparties and the state budget is the payment order.

The form and content of such a document must comply with the requirements of banking records management and Russian legislation. A unified payment order form with all the necessary details was approved in the same Regulation 383-P. Among other things, it establishes the mandatory completion of Section 22 “Code”. What's in the "payment"? UIP we are talking about.

Thus, there are the following necessary information in the payment order:

• number assigned to the document;
• UIP;
• WIN;
• payer data;
• amount of contribution, tax.

Explanatory and regulatory information regarding the device of the UIP can also be found in the following acts:

• Order of the Ministry of Finance No. 107n (Appendix No. 2).
• Letter of the FSS of Russia N 17-03-11/14-2337.
• Explanation of the FSS of the Russian Federation “On the procedure for indicating the UIN...”
• Directive of the Bank of Russia No. 3025-U (clause 1.1).

Finding out the code

We found out what UIP is in a payment order. Where can I get this code to fill out the document correctly?

First of all, such a code must be provided by the party in whose favor the payment is made. It can also be found in some government agencies that control payments to the federal budget. Such organizations include FNI, Federal Tax Service, Pension Fund and Customs.

For example, on a paper receipt this code will be indicated as the document index, which is located above the barcode.

In Sberbank Online, enter payment information in your personal account, click on the “Information” button, and then receive a check with the number indicated. Each transfer of funds is accompanied by a separate receipt of a number.

The next way to find out the required code is to use special reference books. At the same time, the codes are given with a decryption, so it is necessary to carry out identification correctly, which will avoid problems when transferring the payment.