---
metadata:
  - name: generator
    content: Diplodoc Platform v5.52.0
alternate:
  - https://yandex.com/dev/direct/doc/dg-v4/en/concepts/finance.md
  - https://yandex.com/dev/direct/doc/dg-v4/ru/concepts/finance.md
  - href: en/concepts/finance.md
    type: text/markdown
    title: Markdown version
  - href: ../llms.txt
    type: text/markdown
    title: llms.txt
---
> **Documentation Index:** Fetch the complete configuration index at https://yandex.com/dev/direct/doc/dg-v4/en/llms.txt

# Financial transactions

{% note alert %}

When calling finance methods, you must specify the sequential number of the transaction and the finance token in the `operation_num` and `finance_token` parameters.

{% endnote %}

## Paying by credit and overdraft

The campaign balance can be topped off without actually transferring funds, by using credit or overdraft. The user accepts responsibility for transferring funds within a set time period.

Credit and overdraft are similar tools that are intended for different users. Credit is given to advertising agencies based on contracts. The overdraft is provided to direct advertisers on the conditions of the service offer (items 6.6–6.10). Use the `GetCreditLimits` method to find out the credit amount. The size of the overdraft is specified in the `OverdraftSumAvailableparameter` for the `GetClientInfo` (Live) method.

Use the `PayCampaigns` method for payment. In the `PayMethod` parameter, advertising agencies set the value “Bank”, and direct advertisers set the value “Overdraft”.

When the transaction is successful, it automatically generates an invoice, which you can get in the Yandex Direct web interface. For an overdraft, the invoice specifies “YooMoney” as the method for adding funds, but the advertiser may use any other payment method, instead.

## Funds transfer

Use the `TransferMoney` method to transfer funds from the balance of one campaign to other campaigns. To find out the amount available to transfer, use the `GetCampaignsParams` method (`SumAvailableForTransfer` parameter).

{% note alert %}

We recommend making transfers using as few calls of the `TransferMoney` method as possible in a day. In terms of productivity, it is better to transfer funds between multiple campaigns in a single method call, rather than making multiple calls in order to complete each transfer separately.

{% endnote %}

## Payment invoice {#invoice}

The `CreateInvoice` method generates a printable invoice. This method returns the URL where you can get the invoice. To download it, you must log in on Yandex with the username that this method was called for.