Log in to your personal account
Sign up
Please fill in all the fields carefully
registration form. A registration notification will be sent to the e-mail address you specified.
If you want to use Telegram @username, click Login and enter your Telegram @username in the login field
Attention! Password must consist of 8 or more characters, uppercase and lowercase letters, as well as numbers
Password recovery
Enter the e-mail address specified during registration
You send
You send
Go back

What if you received extra money in the payment system?

2016-05-19

What to do if you received extra money in the payment system

Most of the Internet users are constantly making payments through special systems. With their help, you can easily and quickly pay utility bills, replenish your mobile phone or buy a product you like in an online store, transfer money to other users at any time of the day and anywhere in the world in a comfortable home environment, without leaving the monitor.

But sometimes extra electronic money comes to the users account, that is, funds from an unknown source. And the system participant does not know who exactly sent them and in connection with what the transfer was made. What is the right thing to do in such a situation? Unambiguously return the funds received, because, most likely, they were transferred by mistake. Indeed, in addition to adhering to generally accepted moral standards, a person who has acted dishonestly risks ruining his reputation and he may have problems with the law.
 

How to return funds received by mistake?

If extra money has come to the users account, he needs to contact the technical support service of the corresponding payment system. The easiest way is to send an e-mail to their address detailing the situation. Be sure to specify the details of the erroneous payment - your wallet number, the amount received and the date when the funds were transferred to the account. You can also explain the situation to a support person over the phone.

It can take days or even weeks to clear up the issue. But in the end, the administration of the payment system will find the sender who made the payment in error, and the funds will be returned. As a result, the user will receive back the money he has already said goodbye to forever, and the conscientious participant will receive gratitude from the payment system employees.
 

Why shouldnt you keep extra electronic money?

Some users, whose account has been replenished with extra electronic money, decide to keep it with them. This behavior is fundamentally flawed. First of all, you need to put yourself in the place of the sender, who, due to his carelessness, transferred money to the wrong address. But this can happen to anyone. No one is immune to error. When specifying the details of the wallet, it is enough to indicate one number incorrectly and the money will be transferred in an unknown direction.

Of course, the moral aspect is very important, but there are other, more objective reasons why you should not keep money of unknown origin. Indeed, in the payment system there are many financial organizations that provide lending services to its participants. Sometimes, by mistake, borrowed funds may be transferred to the wrong user. Or the company, by advertising its services, will open access to the credit limit. The latter option must be previously agreed with the user. But sometimes there are overlaps in the work of organizations. In addition, a letter with a loan proposal can easily get lost.

In any case, the money will have to be returned as it falls under the legal definition of unfounded profit. This refers to the situation when the user receives extra money, but he is not able to explain why the transfer was received. After all, receiving income involves the sale of a certain product or the provision of a service. Nobody gives money just like that. It is possible that the wallet was used by another member of the system for criminal purposes, to launder illegally obtained funds. In any case, you should not take other peoples money, because spending them can turn into major troubles.
 

What is the responsibility for using other peoples money

It should be noted that at the legislative level responsibility for the illegal use of other peoples funds is fixed. Extra electronic money also falls under the jurisdiction of the civil code. If a system participant appropriates them for himself, then in the future he will have to pay interest for the entire period during which he owned other peoples money.

In this case, interest is a kind of penalty. It is designed to compensate for the losses of the injured party and to punish the unscrupulous participant in the system. Moreover, the collection of interest occurs in any case, regardless of the receipt of profit by the violator. Thus, even if the user spends the funds received by mistake on his personal needs, he will have to pay interest.

It should be noted that, in theory, for the application of sanctions, two legally significant facts are required: the unlawful seizure of other peoples money and their use. But the judicial practice goes in a slightly different way, and the interest is calculated after the acquisition of other peoples assets.This formulation covers a variety of life situations. This refers to the untimely transfer of money, refusal to recognize debt, etc. Among the legal grounds for the application of this rule is also the seizure of funds transferred by mistake. The only way to avoid responsibility is to immediately notify the administration of the system that extra money came from an unknown source.

The situation is complicated by the fact that the sender himself does not know exactly to whom he sent the payment and therefore is not able to contact the buyer. But if the amount is significant for him, then he will immediately report his mistake to the administration of the system. And its employees will have no difficulty in calculating the data of the recipient, who unreasonably enriched himself at the expense of another participant.

As a result, you will have to return not only the funds received, but also the interest. You should not wait for such a scenario, but it is better to notify the technical service about what happened on your own. In this situation, the user will not only avoid penalties. He will also prove himself as a conscientious participant in the system and avoid any accusations of dishonesty.