--- title: "The “Payment Card Transaction” Document in 1C:Trade Management for Kazakhstan — How to Complete It, Accounting Entries, E-Invoices" country: KZ lang: en author: Сапа Т.И. (https://buhgpt.kz/authors/sapa-ti) date: 2026-10-14 canonical: https://buhgpt.kz/suraqtar/dokument-operaciya-po-platezhnoy-karte-v-1s-upravlenie-to-en source: BuhGPT --- # The “Payment Card Transaction” Document in 1C:Trade Management for Kazakhstan — How to Complete It, Accounting Entries, E-Invoices > **TL;DR:** Verified in release 3.4.5.21 of “Trade Management for Kazakhstan” (version 3.4). It is evening and you are reconciling the cash register. The cash register shows 116 000 ₸ “by card,” while 113 680 ₸ was credited to the current account by the acquiring bank in the morning. The --- Verified in release 3.4.5.21 of “Trade Management for Kazakhstan” (version 3.4). It is evening and you are reconciling the cash register. The cash register shows 116 000 ₸ “by card,” while 113 680 ₸ was credited to the current account by the acquiring bank in the morning. The difference of 2 320 ₸ is the bank fee. First, you need to record that the customer paid by card and that the money was transferred to the acquiring account, and then record the bank’s transfer of the amount less the fee. The “Payment Card Transaction” document is used for the first step. 1. Purpose The document records a payment or refund made through acquiring using a bank payment card. It settles the customer’s debt, transfers the amount to the cash-in-transit account used for settlements with the acquiring bank, and serves as the basis for subsequently crediting the money to the current account less the fee. Put simply, it is the cashless equivalent of a cash receipt voucher: the money is received not at the cash desk but through a POS terminal. 2. Where to Find It There are three practical ways: - “Sales” or “Treasury”/“Finance” section → “Cashless Payments” / “Payment Card Transactions” → “Create” button. In different sub-releases, the command may be located in the “Card Payments” or “Acquiring” group. - From a cash register receipt or customer order — using the “Create Based On” button (see section 10). - Directly through a navigation link. Open the “Service” menu or the icon next to the address bar → “Follow Navigation Link” → paste the address e1cib/list/Документ.ОперацияПоПлатежнойКарте. A list of all card transactions will open, which is convenient for daily reconciliation. 2a. How to Find Your Release Open “Help” → “About”. The window shows the platform version, for example 8.3.24.xxxx, and the configuration release — a line such as “Trade Management for Kazakhstan, version 3.4 (3.4.5.21).” If the number is different, the location of certain fields may vary slightly, but the transaction processing sequence remains the same. 3. How to Complete It Open a new document, complete the header, and then complete the tabular or payment section. FieldPurposeWhat Happens If It Is Incorrect Transaction type (required)Determines the document logic: receipt from a customer, refund, or payment to a supplier. Select it first because the set of other fields depends on it.If the wrong transaction type is selected, the movements will be recorded in the opposite direction and the debt will not be settled. Organization (required)The current account, chart of accounts, and VAT settings are determined by the organization.The movements will be recorded for another organization, resulting in accounting discrepancies. Date, number (required)The date determines the period in which the transaction is recorded and the applicable exchange rate. The number is assigned automatically.If the date is incorrect, the money will be recorded in the wrong period and the daily reconciliation will not balance. Counterparty / Customer (required for settlements)Specifies whose liability is being settled.The debt will be settled for another counterparty, while the correct counterparty’s debt will remain outstanding. Contract / SettlementsDetermines the contract and currency of the debt being settled.The payment will not be allocated to the correct order or will be recorded as an advance. Amount (required)The full amount charged to the card, including VAT and before the fee is withheld.An understated amount will leave part of the debt outstanding, while an overstated amount will create an overpayment or advance. VAT rateFor taxable turnover in 2026, the applicable rate is 16 %. The value is populated from the item and sales document settings.An outdated rate will result in an incorrect VAT calculation. Acquiring bank / Acquiring agreement (required)Shows the bank and terminal through which the payment was processed; the agreement determines the fee and the account used to record cash in transit.Without correct acquirer details, the credit shown in the bank statement will not be linked to the payment. Acquiring fee %The percentage of the fee withheld by the bank under the agreement.The fee amount and the credited amount will not match the bank statement. Cash-in-transit accountThe example uses 1020 “Cash in Transit” until the money is credited to account 1030.Incorrect settings will cause discrepancies when the bank statement is recorded. Payment type / Payment systemVisa, Mastercard, and other payment systems are used for terminal-based analytics.An incorrect value will distort transaction analytics. Recipient organization, cash flow itemDetermines the cash flow classification for the cash flow statement.The transaction may appear in the statement without the required classification. After completing the fields, click “Post and Close”. 4. Detailed Example with Accounting Entries Situation. Astana-Trade LLP sold goods at retail. Payment was made using a Visa card through Kaspi Bank acquiring. - Card amount including VAT: 116 000 ₸. - VAT at 16 %: 116 000 ÷ 1,16 = 100 000 ₸ excluding VAT + 16 000 ₸ VAT. - Cost of goods sold: 70 000 ₸. - Acquiring fee at 2 %: 116 000 × 2 % = 2 320 ₸. - Amount to be credited to the current account: 116 000 − 2 320 = 113 680 ₸. Accounting entries for the sale — based on the receipt or invoice: DrCrAmount, ₸Description 12106010100 000Sales revenue excluding VAT 1210313016 000VAT payable at the rate of 16 % 7010133070 000Cost of goods sold recognized Accounting entry generated by the “Payment Card Transaction” document: DrCrAmount, ₸Description 10201210116 000Card payment recorded as cash in transit through acquiring Later — when the money is received according to the bank statement: DrCrAmount, ₸Description 10301020113 680Credited to the current account 721010202 320Acquiring bank fee recognized as a period expense Result: the customer’s debt under account 1210 is settled by 116 000 ₸, 113 680 ₸ is credited to the current account, and the fee of 2 320 ₸ is recognized as an expense. The total of the credited amount and the fee equals the customer’s payment. 5. Transaction Types The available transaction types depend on the configuration settings and functionality. The following options may be used in a live database: - Payment from customer — a card receipt that settles the customer’s debt: Dr 1020 Cr 1210. This is the main option for a retail sale. - Refund to customer — a refund to the customer’s card when goods are returned: Dr 1210 Cr 1020. - Payment to supplier — payment to a supplier using a corporate card: Dr 3310 Cr 1020. - Refund from supplier — the supplier refunds money to the organization’s card. For a regular retail payment, select the “Payment from customer” transaction type. 6. What Is Generated When the Document Is Posted Accounting entries are generated according to the selected transaction type and accounting settings, as shown in the example above. Register movements: - “Cash in Transit” or “Non-Cash Funds” — records the amount awaiting settlement by the acquirer. - “Settlements with Customers” or the supplier settlement register — records the settlement of the balance. - “Payment Card Payments” — the data is used for reconciliation with the acquiring report and subsequent crediting. - Cash flow register — classifies the transaction for the cash flow statement. Electronic documents. An electronic invoice is issued for the sale transaction based on the corresponding sales document. In this example, the sales amount is 116 000 ₸, including VAT of 16 000 ₸. An accompanying consignment note for goods (SNT) is issued for the goods transaction when an SNT is required. The card transaction is used to record the payment and is linked to the receipt or sales document. 7. Print Forms The print forms available for a card transaction depend on the release and database settings: - Payment Card Transaction Register for a period is used for reconciliation with the acquiring report. - Acquiring Calculation Statement shows the fee and the amount to be credited if this form is available in the release being used. - The main document for the customer is the cash register receipt. It is printed from the sales document or the cash register workstation. 8. Common Errors “The credited amount does not match the amount of payment card transactions.” The bank transferred the amount less the fee, or not all transactions for the day were included in the credit. Reconcile the fee percentage and amount against the acquiring agreement, bank statement, and terminal report, and then verify that all receipts have been posted. “Cash account is not completed.” The cash-in-transit or acquiring account has not been specified. Complete the accounts in the acquiring agreement settings and repost the document. “The VAT rate is outdated” or the VAT amount does not match the calculation. The item card or sales document still contains the rate that applied before 2026. Set 16 % for taxable turnover and recalculate the sales document. “Settlements under the contract are maintained in a currency other than the document currency.” The contract currency does not match the payment currency. Select a contract with the correct settlement currency or create the document in the contract currency. “Document not posted: customer debt amount exceeded.” The payment exceeds the outstanding balance. Check previously posted payments and the payment basis; the excess may be recorded as an advance according to the settlement settings. 9. FAQ What amount should be entered in the payment card transaction: before or after the fee is withheld? Enter the full amount paid by the customer using the card. In the example, this is 116 000 ₸. The fee of 2 320 ₸ is recorded separately when the bank credit is processed, so 113 680 ₸ is credited to the current account. Why does the terminal amount not match the amount received in the current account? The acquiring bank may transfer the payment less its fee. For reconciliation, compare the card transaction register, terminal report, contractual fee, and bank statement. Where should the VAT rate for a 2026 transaction be corrected? Check the 16 % rate in the item card and sales document. After correcting it, recalculate the document and confirm that the tax on an amount of 116 000 ₸ is 16 000 ₸. How do I clear the cash-in-transit amount? Record the bank credit and link it to the payment card transactions. In this example, 113 680 ₸ is allocated to the current account and 2 320 ₸ to the bank fee; together, they clear the 116 000 ₸ recorded as cash in transit. Can the document be created from a cash register receipt? If this link is supported by the database settings, use the “Create Based On” command in the cash register receipt or retail sales report. The payment details will then be transferred from the source document. 10. Related Documents Documents that can serve as the basis for a “Payment Card Transaction”: - Cash register receipt or retail sales report. - Customer order. - Sale of goods and services — for a wholesale sale paid by card. Documents created based on the transaction or used to clear it: - Receipt of Non-Cash Funds or a bank statement — to credit acquiring funds to the current account using the entry Dr 1030 Cr 1020 and record the fee. - Sale of Goods and Services — if the transaction was recorded as an advance, the subsequent shipment clears the advance. - An electronic invoice is issued for the sale using the sales document. How to Find Your Release Open “Help” → “About”: this shows the 1C:Enterprise platform version and configuration release. This guide was prepared for “Trade Management for Kazakhstan,” version 3.4, release 3.4.5.21. The location of commands and fields may differ in another sub-release, but the sequence for recording the payment, credit, and fee remains the same. Prepared for release 3.4.5.21 of “Trade Management for Kazakhstan” (version 3.4). --- _BuhGPT — ИИ-помощник для бухгалтеров Казахстана: https://buhgpt.kz_