However, the most acute problem of our economy is that of non-payment in clearing settlements. One of non-payment reasons arises from the fact that kinds of respective settlements which have a number of advantages and can ensure guaranteed payment in due time are not used on a regular basis. It is possible to single out a group of non-cash-payment forms that guarantee payment settling with supplier (documentary letter of credit), correspondingly, forms of settlements in question that do not guarantee payment (credit transfer, direct debiting, bank card). In order to eliminate this imperfection, it is possible to introduce additional conditions to debit transfer settlement agreement.