UIP - what is it: the designation of IPGU in a payment order - how to find out how to check the unique payment number SUIP in a check - decoding of the abbreviation, which means UIN

Concept: what is UIP in a payment plan?

UIP is a unique payment identifier, which consists of 20 or 25 digits. It is used to quickly and correctly credit an incoming payment to your account. The numbers in this code indicate the payment administrator, the type of payment and the document that obliges it to be made. Therefore, each payment is assigned an individual identifier. But not always.

Unfortunately, the current legislation does not clearly explain where to get the UIP in a payment order starting from 2021. Although in certain cases, affixing this code to the payment document is formally mandatory. Therefore, it is necessary to have an idea of how to find out the UIP. At the same time, the legislation does not establish the obligation of the payer to independently determine the meaning of the UIP.

This code is assigned to the payment by the recipient of the funds and then communicates it to the payer on the basis of the agreement. The bank in which the obligated person has an account opens, when servicing it, checks the presence and correctness of the UIP value in the payment order. In some situations, if this information is filled out incorrectly, the payment may be rejected by the bank.

What is the difference between UIN and UIP?

It would be nice for the average user to know what the difference is between these identifiers, and what nuances there are in connection with the UIN compared to the UIP.

Payers often confuse these consonant terms, since both identifiers must be written in the same column under number “22” in the receipt. However, these codes have one significant difference. The UIN is intended for transfers in favor of the state and is formed by the relevant authorities (for example, the Federal Tax Service). The UIP is necessary for transferring money to the accounts of non-governmental institutions and is assigned by the recipient of the payment.

When filling out a receipt, it is enough to enter the code from the receipt or other document instructing you to pay a certain amount. For example, when making a payment in favor of the tax service, you need to rely on the resolution. It contains the details that must be transferred to the appropriate field when paying the receipt.

Important! It happens that the document instructing you to pay the bill indicates the UIN, but the bank requires you to enter the UIN. Then it will be enough to enter the code that is available, that is, the UIN. This is not considered an error and the payment will be processed successfully.

Most computerized services and banking programs have abandoned the use of the concepts “UIN” and “UIP”. They limited themselves to the general term “Payment ID”.

When to specify a unique payment identifier

Cases when affixing the UIP code in a payment order is mandatory are listed in the aforementioned Regulation on the Rules of Money Transfers No. 383-P of the Bank of Russia. In accordance with this document, the UIP is included in the payment if it has already been assigned by the recipient of the funds. And the assignment of a UIP to a payment is possible in 2 cases:

The identifier is assigned to the payment by the recipient of the funds, and he is obliged to provide this information to the payer in accordance with the agreement. In this case, the recipient’s bank, on the basis of a banking service agreement, can control the correctness of the reflection of the UIP in the order for the transfer of funds (for example, when paying for government services to the payer, including an individual, the UIP is reported to transfer funds).
When an obligated person pays contributions to extra-budgetary funds and taxes on the basis of a demand for payment. The UIP code is reflected in the requirement and is required to be included in the payment order.

When transferring sums of money, the UIP is indicated on the payment slip only when it is known to the payer. If there is no information about this detail, then put “0” in field 22, since it is unacceptable to leave it blank. The bank will not accept payment orders with unfilled mandatory details.

For groups of taxpayers such as individual entrepreneurs, lawyers, notaries, farm managers, etc., there are some special features when filling out the details for 22 payments. When transferring funds to the budget in the payment order, they indicate:

or your TIN in the “Payer TIN” field;
or UIP in the “Code” field.

If the document contains a TIN, then a zero is entered in the “Code” detail. In such cases, banks do not have the right to require simultaneous completion of both details, as happens in some cases. Explanations on this issue are given in the letter of the Federal Tax Service No. ZN-4-1/6133 dated April 8, 2021.

Also see “UIN in payment orders: sample”.

What is UIN when paying in Sberbank Online

The concept was introduced by the Ministry of Finance on February 4, 2014 as a unique accrual identifier for the correct determination of budget revenues and to simplify the accrual system. When making a transfer to budgetary authorities using the Sberbank Online service, for example, a fine according to a resolution, the service requires mandatory completion of a code in a separate field, without which the payment cannot be processed by the bank. The credit institution itself will help you explain what a UIN is in Sberbank Online with a consultation on the hotline.

Charge ID value

According to the new rules for issuing payment orders, from 02/04/2014, for transfers to the Russian budget, the attribute “unique accrual identifier” was introduced, which looks like a 20-digit sequence of numbers ending with the symbols “///”. The identifier is required to be indicated in the “Code” field of the payment document when making a payment to the budget system to ensure that the accruals correspond to the actual payment. Due to the unique number, the information is reflected to the authority calculating the payment and to the recipient, with a specific transfer being recorded.

Each digital position of the code has a meaning and a specific decoding:

the first three are the manager’s code (for example, for the tax office it is 182, for the traffic police it is 188);
the fourth digit is the organization accepting the payment;
the remaining positions are the purpose of the transfer, indicating other necessary specific information for its identification.

What to do if the UIP is indicated incorrectly

When the UIP is entered incorrectly on a payment slip, the bank is still obliged to fulfill the client’s payment order. The following cases are exceptions:

when the accounts of the recipient and the payer are opened in the same bank;
when the account to which the funds are transferred is opened for the purpose of identifying the payment.

In these situations, the bank of the obligated person, after checking all the details, will cancel the payment if there is no UIP in it.

If a payment order is executed but the code is entered incorrectly, a problem with payment identification may arise. And then the obligation to pay debts on taxes, contributions, as well as penalties and/or fines will be considered unfulfilled. The payer may need time to identify and clarify the payment. And this will lead to additional penalties.

Also see “Payment order at the request of the Federal Tax Service: details of filling out”.

What is UIN when paying in Sberbank Online

Charge ID value

Each digital position of the code has a meaning and a specific decoding:

the first three are the manager’s code (for example, for the tax office it is 182, for the traffic police it is 188);
the fourth digit is the organization accepting the payment;
the remaining positions are the purpose of the transfer, indicating other necessary specific information for its identification.

Differences between UIP and UIN

The first abbreviation is a unique transaction identifier containing information:

type of money transfer;
information about the receiving party;
documentation requiring payment to be made.

The second value shows the unique accrual identifier assigned to each transaction carried out towards a state or municipal body of Russia. The main purpose of the UIN is to obtain information regarding money received into the state budget treasury.

To fill out a payment statement, you must enter the twenty-digit digital combination indicated on the form instructing you to make the payment. A striking example is payment to the tax office, when it is required to be based on a resolution. The documentation form will contain the required details for filling out the payment.

Occasionally, cases arise when at a bank branch it is required to enter the UIP value on the payment order form, but the resolution contains the UIN. An ambiguous situation will require you to enter UIP data, and Sberbank will carry out the financial transaction. Modern computer programs and banking structures are gradually abandoning these abbreviations in favor of the phrase “payment identifier”.

Who should indicate it?

Both ordinary citizens, entrepreneurs (individuals), and legal entities can indicate a unique payment identifier. This can be done when paying taxes directly in the information system account or through a bank. When transferring, you should take into account that payment through Sberbank has its own characteristics. They have their own special form, when filling it out, a unique identifier does not need to be specified. The UIN is indicated when paying taxes and state duties through the State Services service or a bank branch.

If an individual or legal entity fills out payment documents for the payment of taxes and fees, the payment deadline for which has not yet expired, then he may not enter a unique identifier, but insert a zero in the due date for entering the details. Although this method of filling out the line is permitted by law, when paying through a bank, the employee may require filling out the line with a 20-digit payment number and has the right to refuse to accept the payment. Therefore, it is important to know in which cases it must be indicated, and in which it is not necessary.

What is IPGU and how does it stand for?

How to find out the IPGU designation in a payment order?

In 2021, the Ministry of Finance, by a special order, initiated the creation of an IPGU code, that is, an identifier for the recipient of public services .

The fact is that, according to the same order, the payer must present the UIN or Taxpayer Identification Number when paying any invoices issued by government agencies. But not all individuals have these documents, which is why the concept of IPGU was introduced. Thanks to it, instead of UIN and TIN, you can enter the number of any document that identifies the payer in the appropriate field. SNILS or passport, military ID or license will do.

The reform affected only payments for government services, but in order to avoid situations with failed payments, all potential payers should be aware of such innovations.

SUIP in the payment order-receipt

Every payer should know how to correctly fill out the payment form itself . The following information is required:

payer's TIN;
coding of the reason for registration (registration) of the taxpayer;
BIC of the institution where the transaction is made;
full name of the bank and its legal address;
transaction designation (transfer type code);
date of the operation performed.

The encoding of the unique number is indicated in column “22”. If the transaction is carried out exactly on time, then “0” is written in this field.

Why do you need a unique number?

Every day, millions of people make electronic payments through Sberbank. What to do if the system fails and the payment does not go through? The money could have gone to the wrong place and due to an error in the details, perhaps the account to which it was sent no longer exists.

It is important to get not only an answer to the question “Unique payment number SUIP Sberbank - what is it?”, but also to understand that by saving the receipt or rewriting this number, you can find your money wherever it goes or make sure it goes as intended.

The need for a unique electronic number arose due to the large flow of funds and the need to track them. By saving the receipt, you will be able to find your payment if you contact any Sberbank office or the company where you made the transfer. This may apply to utilities, social networks, online stores, and any other payment. SUIP makes it possible to systematize cash flow and select what you need from it.

Where and how can I get an ID?

How can I find out information about the unique payment identifier, as well as whether the payment was accepted? You can check this both in your GIS personal account after registering in the system, and upon receiving a payment order in case of late payments. But this is an extreme case. The entrepreneur will know the number from the documents indicating the presence of a debt or fine to the tax authorities.

If there were no overdue payments, but you need to indicate the UIN, then you just need to send a request to the tax service to get a number.

History of SUIP

This abbreviation first appeared in the banking sector in 2014. At that time, each payment order carried out began to receive a personal, unique number. But it’s worth knowing that Sberbank SUIP is not the only designation for an online payment transfer. Other definitions are also actively used:

UIN: used when transferring finances to the Russian budget.
UIP: identifier for online payments of other banking structures (Sberbank uses the abbreviation SUIP).