How to configure operations by office

Settings determine which payment methods and checks to use for a selected operation type in a specific office. You can configure an office separately or apply this operation type to other offices in the same organization.

Before you begin

Select “Workplace” and check the organization. Configuration requires access to an office of this organization.
You need permission to view “Operation settings”, and separate permission to edit them to save changes. If access is denied, contact an administrator.
Saving requires active account access: an active trial or paid access for at least one office.
Prepare integrations and documents separately. Choosing a payment method or signing channel in this form does not connect an external service or create document templates.

Open an office and operation type

Open “Extensions”, find “Operations” and click “Configure”. The “Operation settings” page opens.
In “Office”, choose the office whose settings you want to change. The list shows offices of the current organization that you can access. This changes only the office being configured, not your “Workplace”.
Click the required operation type card. Pawnshop mode offers “Loan”, “Buyout”, “Sale”, “Extension” and “Partial extension”. Commission mode offers “Purchase and sale agreement”, “Commission agreement”, “Buyout”, “Sale” and “Extension”.

To configure another organization, first change “Workplace” to one of its offices. You cannot select another organization's office through this form's “Office” field alone.

Configure payments and payouts

In “Payment methods”, select the methods to allow for this type: “Cash”, “Bank card”, “SBP” or “Bank account”. A disabled method cannot be selected when starting a new operation of this type in the office.
For enabled card and SBP methods, the form also shows “Payment method integration”. If you use Kvell, configure that extension separately. Selecting its name here does not mean the organization is already connected to the service.
To use two methods in one operation, enable “Split payment/disbursement”. Cash plus one noncash part is supported: card or SBP. Both methods must be enabled. A separate rule applies to a mixed buyout: principal is paid in cash, interest by SBP; arbitrary allocation is not allowed.

Recording a card or bank account payment does not perform a bank transfer. For a card payout, an employee manually confirms receipt of funds. SBP payments and payouts require configured Kvell.

Select signature code delivery methods

“Electronic signature code delivery methods” is available for “Loan”, “Buyout”, “Purchase and sale agreement” and “Commission agreement”.

Select required channels from the displayed list. It contains only methods available to the organization: SMS, Telegram or MAX. If a required channel is missing, first check its connection and availability.
For SMS, check “Document delivery method”: “Short link by SMS”. When SMS is used, the customer receives the code and a document package link in the same message.
If electronic signing is not used, leave the channel list empty. A new operation with electronic signing cannot start with an empty list. Selecting a channel in settings does not itself enable electronic signing when starting an operation.

SMS and Telegram depend on supported, configured extensions; MAX depends on the system bot's readiness. For MAX delivery, the customer's phone must be verified in the bot. Select a channel actually available to the organization and customer.

Configure KKM, if used

In “Fiscalization”, set “Fiscalization required (KKM)”. Starting an operation considers both this flag and the KKM assigned to the office. The flag alone does not connect a cash register.
In “Receipt settings”, check “Receipt type”, “VAT”, “Payment method attribute”, “Payment object attribute” and “Tax system”. “Default (from KKM settings)” uses the cash register setting. The employee responsible for cash and tax accounting must confirm these parameters.

The separate “Transfer between departments” card contains “Receipt types for transfer”: “Withdrawal receipt type” and “Deposit receipt type”. Select types created in advance for the relevant purpose. This card has none of the usual payment, signing or rollback blocks.

Set checks and approvals

“Fraud monitoring” is available for a loan, sale, full extension and partial extension. Full and partial extension settings are saved separately.

Operation type	What to configure
Loan	Select “Enable fraud monitoring” and set the required thresholds under “Current loan amount”, “Customer active contracts”, “Same category in different offices” and “Loans per day”. Check review periods and “Block when the customer has an open fraud case”. In “Who reviews the fraud case”, select responsible roles or specific users.
Sale	Set “Single product appraisal amount from”. The product's appraisal is checked, not its sale price. At the threshold, a territory manager with access to the operation's office approves the sale; this setting cannot change the reviewer.
Extension and partial extension	Set “Interest threshold as a share of loan amount”. When unpaid interest reaches this share of the original loan amount, continuing requires a decision by the organization administrator or a territory manager with office access.

A triggered check blocks processing until the responsible reviewer decides. Creating an approval request does not mean the operation is completed. Assign active employees with the required office access.

Loan SBP payout approval

For a SBP payout you use, complete “SBP payout approval” in loan settings. This block applies when fraud monitoring is enabled.

Select “Approval mode”. “Highest matching stage only” uses the rule with the highest matching threshold. In “Sequential stages”, matching rules run in order from the lowest threshold to the highest.
Click “Add rule” and specify “Amount from”, “Stage title” and responsible reviewers: roles or users. Select at least one reviewer for each rule. A decision by one reviewer is enough within a stage.
If needed, set “Due time (minutes)”. An empty value means no due time. Setting it does not replace approval or automatically confirm a payout.

Check rollback and postings

In “Operation rollback”, set “Allow rollback” and “Roles allowed to rollback”. Allowing it does not bypass operation status and applicable return workflow checks. Rollback is only allowed for a completed operation that has not already been rolled back; an appraiser additionally needs approval. This setting does not perform an automatic bank refund.
In “Posting settings”, click “Add posting” if needed. Fill in “Debit account”, “Credit account”, “Purpose”, “Residency” and an optional “Comment”. Agree accounts and purposes with the person responsible for accounting. This list is captured at operation start.

Save and check the result

Check the selected office and operation type again. To change only this office, leave “Apply to other offices in the organization” off.
If other offices of the organization need the same settings, enable this checkbox in “Synchronization”. It copies only the open operation type, including payments, checks and other settings. Previous settings of this type in other offices will be replaced.
Click “Save”. Wait for “Operation settings have been updated”. If errors appear, correct the specified fields and save again.
Use “Back to operations list”, then reopen the same office and type. Check saved values. After synchronization, also check other offices.

Do not expect form changes to update an operation already started. Its payment methods, fiscalization requirement, signing channels and postings are determined at start, and assigned approvals retain their reviewers. Rollback access, however, is checked against current settings when that action is requested.

If a setting or action is unavailable

The required office is missing from the list. Check your current “Workplace”, organization and assigned access. First select another organization's working office to configure it.
The required operation type is missing. Check the organization mode. Settings cannot enable a type that the mode does not support.
A signing channel disappeared or cannot be saved. Check its service's availability and readiness. A disabled channel cannot be saved or used for delivery even if selected earlier.
Split payment is rejected. Check the checkbox, whether both methods are enabled and whether the pair is allowed. For a buyout, also check principal and interest allocation.
Approval rules cannot be saved. Fill in reviewers, stage titles and valid numerical values. Amounts and periods cannot be negative; days, due times in minutes, and sale and extension thresholds must be positive integers.
Saving is denied. Check editing permission and active account access. Permission to read settings does not grant permission to change them.