Payments, advance balance and refunds
Revision 2026-10-21.1

Accounting rules do not automatically activate a bank, fiscalization, international or consumer payments.

1. Methods, availability and currency
Ordinary transfer from a verified business/individual entrepreneur account against the Provider’s invoice is prepared only if enabled. Receipt may remain closed; details/translated pages do not authorize payment. Cards, SBP, consumer and international payments are not enabled by default. A bank account or LiteBox does not establish ready acquiring/fiscalization.

Currency is RUB, accounting in kopecks. Conversion, charges and restrictions follow the bank/agreed method; do not send foreign/international transfers before route confirmation. The Russian Provider uses AUSN, without Russian VAT: not a zero rate or exemption from applicable foreign tax duties.

2. Receipt and advance
Actual payer, name, tax ID, amount, number and reference are checked against the statement. Screenshots, invoices/browser returns are not proof. One bank transaction is credited once; errors, excess, partial payments and third parties are handled separately. Individual/SBP payments are not approved as ordinary receipt-exempt B2B transfers.

Balance is unused advance solely for this Provider, not a bank account, deposit or transferable wallet. No interest, user transfers or third-party payouts. Debits need agreed service, price and period; no automatic charges, unknown tariffs or arbitrary expiry.

3. Fiscalization
Invoices and balance entries are not fiscal receipts. B2B transfer exemption requires proven Russian Law 54-FZ Article 2(9) conditions; SBP is assessed under Article 1.2(2.2). Required receipt, offset and refund fiscalization must be performed. Such methods are not activated without bank verification and fiscalization readiness.

4. Refund
Dashboard or support@api-senden.ru requests state invoice ID and amount. Reserving funds does not transfer them: the Provider takes the request into processing, refunds outside Senden API to the lawful payer, usually the original account, and records evidence. Dashboard confirmation is not a bank-API transfer.

Refund is within 10 calendar days after sufficient information unless mandatory law requires sooner or another starting point. Checks cannot justify delay. Deductions require lawful performance/evidenced permissible expenses; no closure penalty or confiscation.

5. Consumers and security
Paid consumer orders are not enabled by default. Where mandatory law applies to the actual contract, pre-contract information, durable confirmation, digital-service remedies and statutory 14-day distance withdrawal remain. Free access or “business” labels alone do not remove protection.

An unequivocal withdrawal message to support can state name, contact, service and contract/notice dates without a mandatory form. Starting performance is not waiver: statutory conditions and separate express requests/acknowledgements are required. Additional local information/interfaces precede such sales; their launch is not claimed. Never share CVC, bank passwords/codes in chat. Future payments require verified banks and server-side notification/amount/status checks. Contractual caps do not limit mandatory rights or unused-funds return.

Provider details
Индивидуальный предприниматель Лосинский Кирилл Анатольевич
Russian tax ID (INN) 740415769736 · Sole trader registration (OGRNIP) 317745600124301
456234, г. Златоуст, кв-л Северо-Запад 2-й, 20-28
support@api-senden.ru · +7 (351) 367-22-52
Bank: Отделение № 8597 ПАО Сбербанк, г. Челябинск
Russian bank code (BIK) 047501602
Settlement account 40802810072000015606
Correspondent account 30101810700000000602
No Russian VAT charged under the Russian AUSN regime. Applicable foreign tax duties remain.