Accumulation stamps issued by commercial organizations were pasted onto special forms, which were accepted as they were filled out as proof that the required sums had been paid. This method was used not only to repay credit, but also to build up funds for the purchase of expensive items. If the customer отказался from the goods, they did not lose the right to a refund of the accumulated amount.
Accumulation stamps were also issued by certain book publishers specializing in “prestige” editions and art albums. Accumulation stamps are known from the St. Petersburg booksellers’ partnership “Kultura” (1908) and the Russian Book Partnership “Deyatel” (1910), as well as the Moscow publishing house of I. Knebel (1911).
The “Muravey” Society specialized in publishing and selling expensive books. To attract broad segments of the population to buy them, “accumulation stamps” were issued, which were pasted into special booklets of customers as they contributed small sums of money. After the amount required to purchase the goods had been paid, the booklet with stamps was exchanged for the goods, or the stamps in the booklet were canceled for the value of the goods.