Individuals: payment and finance

All financial transactions (deposits, withdrawals, and documents) are available in the "Balance" section. Your current balance is displayed in the upper right corner next to your account name.

Transaction history is available in the "Balance" section. By default, the history for the last 30 days is displayed, but the period can be changed.

To top up your account, click “Top up” in the “Balance” section

The following payment methods are available for individuals – residents of the Russia:

• credit and debit cards Visa, MasterCard, MIR (for payments up to 10 000 rubles and except for cards issued by issuing banks from the USA);
• payment systems: Gazprom Pay, SberPay, YUMOPEU;
• Mobile payment: MTS, Beeline, Megafon, T2;
• CBP.

Funds are credited to your account within 3 business days.

For non-residents, card payment is available with some restrictions.

You can pay with:

• MasterCard
• Visa
• UnionPay
• AMEX
• DinersClub
• Discover
• Apple pay
• SamsungPay

You cannot pay with cards issued in these countries
Afghanistan, Burundi, Central African Republic, Republic of Chad, Cuba, Republic of Korea (DPRK), Democratic Republic of Congo, Eritrea, Guinea-Bissau, Eritrea, Iran, Iraq, Libya, Russia, Somalia, South Sudan, Sudan, Syrian Arab Republic, Venezuela, Yemen.

Therefore, the minimum deposit of RUB 610, or 10$ or 10€, depending on the chosen currency (VAT may be charged).

All financial indicators in the advertiser account are shown without VAT:

• On the bid management page, all prices do not include VAT – exactly the way they are featured in the bidding process.
• Bids and budget limits in the settings of ad campaign strategies do not include VAT.
• The account balance is shown without VAT.

VAT is added to the price in accordance with the tax laws. In payment documents and documents confirming the provision of services, VAT is indicated on a separate line.

To download a payment receipt, go to the "Balance" section → open the "Transactions" tab → find the desired transaction → in the "Notes" section, click "Receipt".

UTDs for accounts with the "Individual" account type are not provided.

A history of all transactions will be displayed in the "Balance" section → "Transaction" tab. By default, transactions for the last 30 days are shown, but you can change this period. To do this, click on the dates and select the desired range.

For Russian residents only

After the first replenishment from the card, you will be able to link the card and set up automatic replenishment.

For example, you can set up replenishment for 500 rubles, if the account is less than 1000 rubles. To do this:

1. In the “Balance” → “Your balance” section, click “Enable auto-replenishment”.
2. Select the card from which you have at least once topped up your VK Ads account.
3. Enter the amount on the balance, at which the top-up will work: from 500 ₽ and more.
4. Enter the amount to be transferred to the account: from 610 to 97,600 ₽ - that is, from 500 to 80,000 ₽ + VAT.
5. Click Enable auto top-up.

You can unlink a card yourself using this link: https://vk.com/vkpay 

Bank cards are linked not to your VK Ads account, but to the VK Pay payment system, which is used to top up your account balance.

To remove a bank card, you need to:

1. Go to this page: https://vk.com/vkpay 
2. Open the linked card's settings
3. Click the cross icon next to the card and enter your PIN

The card will be unlinked from the VK Pay payment system and will no longer appear, including when topping up your VK Ads account.

Refunds for the accounts of individuals - residents of the Russian Federation are issued at the request of the user and are carried out through full cancellation of the transaction by the same method by which the payment was made (if technically possible).

Refunds for the accounts of individuals - residents of the Russian Federation are issued at the request of the user and are carried out through full cancellation of the transaction by the same method by which the payment was made (if technically possible).

For example, you paid by card and decided to return funds:

• Payment was on 25.05.2024 by card 0000 0000 0000 0000 0000 0000 0001 for the amount of 600 ₽ including VAT,
• Payment was on 27.05.2024 by card 0000 0000 0000 0000 0002 for the amount of 1000 ₽ including VAT.

Refund will be made to the card from which the payment was made:

• 600 ₽ including VAT will come to card 0000 0000 0000 0000 0000 0001,
• 1000 ₽ with VAT to card 0000 0000 0000 0000 0002.

The amount to be refunded is the amount of equity balance on the account + VAT. Bonus funds are reset and cannot be refunded. Transfer of bonus funds to another cabinet is not provided.

Payments made to individual accounts via mobile operator cannot be refunded by cancelling the transaction. In this case it will be necessary to issue a refund by application.

If the payment was made with a card that has been closed, please contact Support. Agents will help you choose an available refund method. If in your case the refund cannot be made through transaction cancellation, the refund will be made by application.

Request a refund

Open a chat with support in one of the following ways:

• go to Help → Ask a question in your account.
• open a chat at https://vk.me/vk_ads.

Tell that you want to get your funds back and answer a few questions that the bot will ask. If you topped up your balance with a card and this card is up to date, you can get your funds back automatically. In other cases a Support Agent will help you.

Refund on application

For a refund, you must provide:

• proof of payment, 
• completed application in a scan with a signature and stamp,
• bank details in a Word file or in the text of the message in a copied form.

We, as well as you, want to solve the issue as soon as possible and avoid errors when transferring details manually from the scan to the payment order, please understand this requirement. Support Agents may request other information and/or other documents in connection with the refund of unused funds.

To request a refund, please email mytarget.finance@corp.my.com 

Some clients may be able to defer payments and work on credit. The amount and repayment term are determined individually and are displayed in the "Balance" section on the "Promised Payment" tab.

To use a promised payment:

1. Open the "Balance" section → "Promised Payment" tab.
2. Click "Take Promised Payment" - the system will display the calculated maximum payment amount and repayment terms.
3. Enter the payment amount and click “Receive.”
4. The taken promised payment will appear in the list of transactions in the "Balance" section. Each payment has a separate button for repayment.
5. Repay the payment on time.

If the payment is not made on time, the next payment in your account will be applied to the debt. Until the payment is overdue, new payments will be credited to your account budget.