Nominal accounts Tochka Bank

Tochka Bank Nominal Accounts

“Tochka Bank Nominal Accounts” helps a CS-Cart Multi-Vendor marketplace work with payments, beneficiaries, virtual accounts, and vendor payouts through Tochka Bank integration. The administrator can see incoming payments, distribute amounts by orders, create payout deals, and control when funds become available according to hold rules and order statuses.

What it is for

The add-on is designed for marketplaces that accept payments through Tochka Bank and need to split received funds between vendors, the marketplace, shipping, and the acquiring fee. It reduces manual reconciliation, helps administrators find undistributed payments faster, and makes the money flow from buyer payment to vendor payout clearer.

Key features

• Connecting CS-Cart payment methods to the Tochka Bank settlement flow.
• Vendor beneficiary registration, update, activation, and deactivation.
• Support for legal entities, sole proprietors, self-employed vendors, and individuals.
• Mapping vendor profile fields to the data required for bank identification.
• Beneficiary document upload and virtual account creation.
• Beneficiary, document, virtual account, and vendor balance display.
• Payments section with undistributed orders, incoming payments, outgoing payments, and deals.
• Automatic incoming payment distribution with products, shipping, marketplace commission, and acquiring fee taken into account.
• Choice of who pays the acquiring fee: the marketplace or the vendor.
• Creating, viewing, updating, executing, and rejecting payout deals.
• PDF documents for the beneficiary agreement and the deal attachment.
• Funds hold by period and by refundable order statuses.
• Test mode, connection check, key generation, test transfer, and logging.

How it works

The administrator receives access from Tochka Bank, generates keys in the add-on settings, sends the certificate to the bank, and fills in the platform identifier, key thumbprint, nominal account, and bank code. Vendor profile fields are mapped to the data required by the bank: legal type, tax ID, bank details, full name, passport data, registration address, and tax residency values.

A “Tochka Bank” tab appears in the vendor profile. After the data is filled in, the add-on receives the beneficiary ID, uploads the document, and creates a virtual account. When buyer payments arrive at the bank, the administrator starts automatic distribution: the add-on matches payments with orders, calculates the vendor and marketplace shares, and takes shipping and acquiring fees into account.

Vendor payouts use the CS-Cart accounting workflow: a withdrawal request creates a deal, a document is attached to the deal, and after the deal is executed the funds become available according to the configured hold rules.