The BESP system is centralized at the federal level and provides gross calculations in real time for due payments. The BESP system is created as an additional system and functions along with the systems of the intraregional electronic calculations (IEC) and interregional electronic calculations (IEC) irrespective of these systems.
Carrying out payments is provided in the BESP system during trading day, at the same time write-off from the account of the participant - the payer and transfer into the account of the participant - the receiver of payment in the servicing organizations of the Bank of Russia in trading day with one calendar date of carrying out payment in the BESP system is provided.
The payment registered through the BESP system is considered irrevocable from the moment of write-off of funds from the bank account of the participant - the payer in organization of the Bank of Russia and final from the moment of transfer of funds for the bank account of the participant - the receiver of payment in organization of the Bank of Russia, confirmed with the corresponding electronic office information messages to the participant - to the payer and the participant - the receiver of payment. In the BESP system calculation can be performed only on a full amount of payment, partial payment of the settlement document is not allowed.
Implementation of payments through the BESP system is necessary for the increasing circle of legal entities as it is designed to raise an economic benefit due to acceleration of turnover of money by carrying out calculations in real time in the territory of the whole country.
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