Transaction guarantor Garant.PRO = safe transaction. Safe deal on freelancing

PARTNER MATERIAL

What are protected transactions, who needs them and who does it

Classmates

There is always a high risk of encountering unscrupulous seller or a scammer when shopping online. To save your money and nerves when buying online, you can use the secure transactions service (escrow). A secured transaction is beneficial for all parties involved: the seller is guaranteed to receive an advance payment, the buyer minimizes risks in case of transaction cancellation or fraud, and the escrow agent receives a fixed percentage.

What is a “protected transaction”?

The main advantage of protected transactions is the presence of a third party - an intermediary company, a guarantor, which will save the buyer’s money if the seller delivers a low-quality product or violates the terms of the contract. Thanks to the service you can do safe shopping for any amount, both with an official retailer and with an individual seller, without worrying about the safety of your money.

When purchasing from online stores, many are afraid to pay sellers in advance, believing that after payment they will receive a product that does not correspond to the description or the order will not be delivered at all. In this case, escrow services reduce the risk to zero: money is sent to the seller from the account of the intermediary company only after the goods are delivered and the buyer confirms that everything is in order. The service, for example, is actively used by participants in online auctions, where there is always a high probability of not getting what you wanted, even despite the presence of reviews and ratings of sellers. IN lately are especially popular joint purchases goods abroad, when several users cooperate and create a single order in a foreign online store, which is then delivered in one parcel. Thus, all participants save on customs duties and commission fees, and sometimes receive a discount. In such situations, the escrow service can protect the entire group and distribute the commission to all participants.

Initially, the transaction protection service was used in real estate transactions. In the UK and US, it is a common practice to transfer funds to lawyers until all conditions are met by both parties. The instrument is still little known in Russia, but positive trends are already appearing in various fields. Thus, in 2014, amendments were adopted to the Civil Code of the Russian Federation, allowing banks to open escrow accounts for real estate transactions. But in practice, this rule does not work and banks are in no hurry to open escrow accounts due to the lack of a clear government regulation and application practices.

When renting an apartment, you can conduct a transaction through online services based on the escrow principle right now. In addition to buying and selling, some services protect the relationship between employees and employers. For example, by concluding a secure transaction on a freelancer exchange, the contractor is confident that he will receive money for his work in the event of a sudden disappearance of the customer.

Legal certificate

In 2012, a project was developed federal law“On amendments to parts one, two, three and four Civil Code of the Russian Federation, as well as in certain legislative acts of the Russian Federation.” This document stated new look agreements - an escrow agreement, as well as a new type of bank account - an escrow account.

On July 1, 2014, new provisions of the Civil Code of the Russian Federation came into force, providing for the possibility of making payments through the conclusion of an escrow account agreement. The following articles of the Civil Code of the Russian Federation are devoted to the escrow account: 860.7, 860.8, 860.9 and 860.10.

All secure transaction services operate on a similar principle, regardless of the type of purchase. So, to buy a used car or make money on interesting project, without leaving your computer, you just need to go through a few simple steps. First, you should choose a suitable escrow service: there are not very many of them in Russia, mostly niche (built-in) ones operate - Escrow.WebMoney, “ Secure transaction» from Yandex. A universal analogue – allows you to conduct secure transactions without being tied to a resource or payment method. Next, we discuss with the seller (customer) the conditions, upon fulfillment of which cash will be received by the contractor and the transaction will be considered closed. We enter all the details into a special online form and then transfer the required amount to the guarantor company (the money is “frozen” for bank card or saved in the agent's account). The agent, in turn, informs the seller that the money has been received. Once you are sure that the car is in good condition and meets the requirements discussed in advance and confirm this - the money will go to the seller. The transaction with the customer is completed in a similar way: you will receive money after completing your task in accordance with the fixed conditions.

What to do if the machine turns out to be defective, or the customer no longer responds to letters and calls after the work is completed? If the transaction is not protected, you will have to write a statement to the police, contact Rospotrebnadzor, stand in queues and fill out many different documents. Concluding a protected transaction will help to avoid this: most intermediary companies have their own online dispute resolution service - arbitration or arbitration court, which you can use if you have not previously been able to resolve the conflict on your own.

Escrow services in Russia

As mentioned above, there are not so many players in the escrow services market. Escrow.WebMoney differs from other Russian escrow services for individual clients in the absence of additional commission fees: the company charges only 0.8% for the transfer of any transaction amount when making a deposit. However, only owners of webmoney wallets will be able to conduct a secure transaction here.

WebMoney Escrow can be used for online purchases of goods, especially if a personal meeting to check the quality of the goods is not possible, as well as when hiring " remote employee" If the parties to the transaction decide to do without commodity-money relations, replacing them with “natural exchange” (mutually beneficial services), then they also do not have to worry that one of the parties will refuse to fulfill their promises after someone has already did his part of the job. The WebMoney Escrow service is free; a commission to the arbitrators is charged only if a dispute arises and it is impossible to resolve it independently. The service also makes it possible to conduct transactions not only between individual participants WebMoney systems. Owners third party resources, for example, online stores, trading platforms, bulletin boards, are provided by APIs in the form of web services for integrating Escrow into your website.

Tatiana Milacheva

Director of Marketing Communications WebMoney Transfer

“Guaranteed settlement service” from Sberbank

For secure mutual settlements between legal entities Sberbank-AST has introduced a “Guaranteed Settlements Service” with the ability to make payments for any amount. The commission for such an operation is 0.8%, and it is paid by the seller. The parties to the transaction register the agreement in the system, and the service automatically generates an additional agreement, turning the contract into a tripartite one. Additional tool The transaction is protected by an electronic signature.

I would like to note that among those few participants in the financial sector who are actively promoting the service of escrow accounts, we work with minimum commission, all actions of the buyer and seller are registered online. There is no in-depth verification of documentation by third parties or the need for face-to-face communication - our service is characterized by maximum flexibility, transparency and gives the parties to the transaction a certain freedom in regulating business relations.

Nikolay Andreev

General manager"Sberbank-AST"

A comprehensive solution for protecting any type of online transactions between both individuals and legal entities is SafeCrow. Depending on the transaction amount, the guarantor company retains a fixed commission from 1% to 4%, but users themselves decide who will pay it: the seller or the buyer. It is possible to divide the commission payment into two, and if more than two persons are interested in the transaction, distribute it evenly between the participants.

If the transaction turns out to be controversial, the money will be transferred to the seller only after the parties come to an agreement and the claim is withdrawn. Professional arbitrators provide assistance in resolving disputes, and in complex and ambiguous situations you can turn to SafeCrow’s partner arbitration court.

"Safe transaction" from Yandex

In February 2016, Yandex launched the “Safe Transaction” service for Yandex.Checkout users, designed to make secure payments on sites where users offer goods or services. Here the participants themselves decide what percentage the intermediary will receive - on average the commission is about 5%. The escrow service algorithm differs only in that instead of transferring money to a third party, the service simply blocks the required amount on the customer’s bank card or Yandex.Money wallet until the transaction is completed, and the Internet assumes the obligation to resolve conflict situations -platform that has enabled the “Safe Deal”.

For regular customers during long-term cooperation - 3%!
The status of a regular client with a solid portfolio of transactions is approved individually with the guarantor once, and a profitable % is assigned to the client!

When guarantees are needed, the service is a safe transaction - we offer best solution. Garant.PRO is a site for safe transactions for 12 years. This is the first and oldest guarantor of safe RuNet transactions, with thousands of investigations under its belt in the most different areas. When your task is to do everything quickly and without risk, that is, to conduct a transaction safely, then simply contact any contact on the site, 24 hours a day. Customers and performers in the system of secure freelance transactions meet with us. All details of the contract are discussed in detail. In case of disputes, arbitration decisions are made. Full information on home page. A risk-free transaction is our concern.

Guarantor service for safe transactions without risk

Full range for more than 10 years, all data and certificates of the guarantor

What types of secure transactions on the Internet are carried out on Garant.PRO

1. Domains and sites: transfer of a fully working project or domain name to another owner
2. Works with social networks , channels, groups and publics: VKontakte-vkontakte, Odnoklassniki, Facebook-facebook, youtube, twitter, instagram-iiiinstagram
3. Fl ru safe freelance transaction, it can be carried out MORE PROFITABLE in terms of expenses by 2 or MORE times than on any freelance transaction service
4. Game and online game accounts, as well as things from these accounts, steam accounts
5. Information services, ways to earn money, information, training and much more
6. Service for secure transactions for various other services and products

All transactions are conducted securely online for your convenience. Secure transaction on the Internet through Garant.PRO– this is reliability from No. 1 on the Internet.

In order to prevent an “evil” customer from ruining the life of a designer he doesn’t like, there is practically no data on the performers; when transferring significant amounts, you know about the freelancer, in best case scenario, his name, and most often just his nickname.

In the meantime, I want to talk about the sore point, about the sad story of the customer, about the loss of 7,000 rubles and time to compile a media kit. I’d like to note right away that I don’t want to make any claims to the freelancer site; I’m concerned about the complete insecurity of the customer.

Due to the heavy workload of all designers in the team, it was decided to involve an outside professional in the work. Where does it go customer in this case? Of course on fl.ru.

After looking through hundreds of responses to a project to design a 12-page media kit, I liked the page of a St. Petersburg girl with an excellent portfolio. The work is top class: magnificent color schemes, harmonious combination, clear style. It’s decided, we have to take it!

I choose a girl as a performer and immediately encounter the first inconveniences. It is more convenient for a designer to conduct a discussion on technical specifications via a Skype call.

This is not particularly convenient for me, but that’s okay, I’ll make a concession.

Working on a “safe deal” is also not pleasant for the designer due to the commissions from the site. When making a payment with the comment “for media kit design,” the payment is returned with a request to change the comment to “private payment.”

And a day later I finally get the first one and latest version concepts from Ekaterina. Dads!

What we see: inconsistent graphic elements, strange color schemes that do not fit into the corporate style, disgusting text layout, the background is made in different projections. That is, a draft!

However, the contractor is confident that he completed the work 100% and considers our comments offensive. So the question is, what can we do to return at least part of the funds?

And here I would like to be indignant on behalf of all the customers deprived and offended by designers!

The first and strongest desire: to write detailed review on the website about the work. But, since the transaction was not carried out through the site, we cannot do this until the designer completes the project. And believe me, he will not complete it!

Of course, in such a situation you can blame yourself and only yourself! You can also do useful lesson and write recommendations for future generations on how to work safely with freelancers.

To prevent you from having the same problems:

1. Work with trusted specialists.
2. If you are planning to interact with a designer for the first time, then it is better to spend money on a “safe deal”
3. Conclude an agreement, protect your interests to the last
4. If you can only pay with webmoney, then carry out the transaction with a protection code
5. Record correspondence by email. if the performer wants to communicate only by phone or Skype call, then send him the protocol of agreements by email and demand that he agree with it.

If none of what is proposed suits the other side, then be prepared to hope for chance and the possibility of not getting anything finished work, no money.

Almost anyone can find freelancing work now. The main thing is to be able to do something well on a computer: program, layout pages, make beautiful design And . Since all this work is carried out via the Internet, and the customer and the contractor are separated from each other by a significant distance, this gives rise to a number of dangers associated with financial aspects.

Firstly, this is the performer’s dishonesty. For example: the contractor takes an advance payment for the order and disappears without a trace. Since all communication took place via the Internet, it will be very difficult for the customer to find this person who, in fact, is committing fraud. There may also be problems with the timing of the order and its quality.

Secondly, customers who refuse to pay. Typical case, which occurs quite often: the work is done, improvements are made, the customer is satisfied with everything and suddenly he disappears.

Why do you need the secure transaction service?

The Safe Transaction service was developed in order to protect both parties when working. The service is based on an intermediate link – a company that provides security. By default, it is assumed that both the customer and the contractor trust it. The customer transfers the amount for the freelancer’s work to the company, and the latter, in turn, upon completion of the work, transfers it to the freelancer. It would seem that everything is simple, but this is far from the case.

What costs does the employer bear?

At the beginning of the transaction, the employer makes a contribution to the company organizing the secure transaction in the amount of about 10-15% of the order amount. Those. for example, with an order amount of 10 tr. this commission can reach 1.5 thousand rubles. and the amount of work for the customer will not be 10 thousand rubles, but 11.5 thousand rubles. Quite a significant increase in budget costs.

What costs does a freelancer bear?

When a freelancer completes his work and receives a payment, it is also quite often cut. The wording usually looks like a 13% income tax. Thus, with the order amount the same 10 tr. the freelancer will receive 8.7 thousand rubles. The difference is 11.5-8.7 = 2.8 tr. stayed with the accompanying company. And this is more than 20% of the order!

At the same time, a safe transaction remains not so safe. The main problems faced by both freelancers and employers are that:
1. the contractor can claim payment for poorly performed work;
2. The customer can demand endless improvements from the contractor within the initial budget.
Disputes are resolved through arbitration. At the same time, when making a unilateral decision, arbitration is always interested in whether the other party agrees with this, and if not, then most often there will be a division of the budget and in this case either the customer or the contractor will suffer.

As an alternative, you can use a method of mutual settlements such as stage-by-stage payment for work. In this case big project is divided into several stages (usually 4-5). After each stage of completed work, the employer makes a payment to the freelancer. Here we can proceed from the following analysis: if the employer finds a bad performer, he will not spend a penny. If necessary, the performer can always be changed. And if the customer does not want to pay, the freelancer can simply stop working. Also, for freelance programmers and other creative professions, it is possible to show work to the customer in reduced quality or without source codes. And give the originals only after payment for the stage of work. That's what I discussed in a separate article.

So let's summarize: for safe work When freelancing, you don’t have to use a safe deal. Cooperation through it entails costs of 20% of the order budget. Considering these risks of non-fulfillment of orders, you can work in another way, for example, using staged payment.