The article discusses the relationship between the constitutional right to judicial protection, which includes such an element as the effective enforcement of a judicial decision, with the legal regime of special bank accounts of payment agents and suppliers. Attention is drawn to the problems identified by law enforcement on the recovery of funds in such bank accounts, including the possible harm to persons who are not debtors in enforcement proceedings. Based on the analysis of the legal regulation of the special bank accounts of payment agents and suppliers, a conclusion is drawn on the admissibility of foreclosure on money on them. To exclude (minimize) the possibility of harming suppliers and payers-individuals, it is proposed to amend the sequence of payments on special bank accounts of payment agents in comparison with the general sequence established by civil law