The activities of banking and credit organizations are directly related to securities and various procedures, an integral part of which is such a concept as acceptance. This word refers to a huge number of operations, but the main meaning that it carries is consent. In particular, acceptance of payment terms. The acceptance form of payment is gaining more and more popularity, organizations and enterprises are gradually coming to it, not only in Russia, but throughout the world. This greatly simplifies the process of payment and receipt of funds, allowing you to protect yourself from undesirable consequences.
Acceptance is the direct consent of the payer to transfer funds for goods or services not only domestically, but also abroad. In addition to this interpretation, there are a huge number of variations of this value. In this case, the following varieties of the consent in question can be distinguished.
Types of acceptance
Acceptance | Types of acceptance | Value |
positive | any payment request received by the bank in the name of the payer must be accepted or rejected by him in writing |
negative | in this form, it is necessary to provide a written application only to refuse to transfer, when confirming payment, no documents are needed |
preliminary | the organization gives its consent to write off the funds before the receipt of the request, but the direct transfer occurs only after the expiration of the acceptance |
subsequent | payment is carried out immediately (during the operational banking day) |
Acceptance is not only its four varieties! There are also its full and partial forms. It should be noted that for some payment requirements the consent of the payer is not required. So, for example, when paying for postal, telegraph and utility services, transportation services for certain types of goods, funds are debited from the user's main settlement account automatically.
This concept can also be considered from the other side. For example, two organizations plan to conclude a contract. In this case, it is necessary to follow several standard rules and procedures. So, first of all, one organization should offer another to conclude this agreement, and the second should agree. This occurs in two stages. The first stage is called the offer, and acceptance is the name of the second stage.
As was said, the concept in question is also closely related to securities. It is worth saying that most of the acceptance is used for bill or check form of payment. This procedure is carried out exclusively within the walls of financial institutions.
Such a security as a bill of exchange can be of two types (simple and transferable). Both options imply acceptance. Simple promissory notes contain a promise that the person who gave this paper after a certain time will pay the recipient a certain amount of money. Moreover, this document should contain the name of its first owner - the one who issued the security. With a bill of exchange, another person accepts the payment. That is, a third party indicated in the paper can transfer the necessary funds.
In accordance with the legislation of the Russian Federation, the acceptance must always be complete and not stipulating other conditions, i.e., unconditional.