Legal means of using electronic payment in contractual relationships involving business

This article discusses the legal means of using electronic payment in contractual relations involving business. At the beginning of the 21st century, the processes of globalization of economic relations and the level of development of information and communication technologies gave people the opportunity to implement the idea of improving non-cash cash payment transactions, excluding numerous queues of people at managers and cash desks of banking institutions, without issuing several copies of payment orders, payment requests and so forth. Cashless transfer of funds made through digital channels without using cash includes various methods, such as payment by credit card, online banking, mobile applications, electronic wallets, and so on. Electronic payments allow you to quickly and conveniently pay for goods and services from a distance. On the basis of a new scientific approach, the point of view was formulated that the contract for the transfer of electronic means of payment has civil law features of an unnamed contract. It should be noted that this type of contract is not enshrined in civil law. Significant indicators of business turnover give grounds for adoption of a separate law on e-commerce, which will ensure the legal conditions for e-commerce: consolidation of rights and obligations of persons engaged in e-commerce; determination of rules for making transactions using electronic documents signed by analogues of a handwritten signature; establishing a detailed payment procedure; also recognition of electronic documents as forensic evidence.

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