Payment methods — Payment acceptance via the YooMoney API

Payment methods

Overview

YooMoney can accept payments made via various methods: from bank cards, from e-wallets, via direct carrier billing, on a loan or installment plan, in cash, via invoicing in Internet banking.

Autonomous bank card

You can accept payments made via bank cards from Visa, Mastercard, Maestro, Mir, JCB, and other issuers. Payments from cards issued in Russia as well as some foreign cards are accepted. More about cards that can be accepted for payment via YooMoney

By default, the user will enter bank cards details on the YooMoney’s page, but you can embed a form on your website or in the mobile app.

Payments via contactless payment apps

You can accept payments using bank cards via Mir Pay. Only available for mobile devices on Android.

E-wallets

You can accept payments from a YooMoney for Shopping wallet or a linked bank card.

Payments via banking apps

You can accept payments via SberPay with confirmation in the SberBank Online app, via T-Pay with confirmation in the T-Bank app, and via FPS (The Faster Payments System of the Central Bank of Russia).

Loans

You can sell products on loan and via installment plans using "Credit purchases" by SberBank.

B2B payments

You can accept payments from companies and entrepreneurs via Sberbank Business Online.

More about B2B payments

Other payment methods

You can accept payments made via direct carrier billing, in cash via a payment kiosk or at our partner’s office, as well as payments made with electronic certificates.

All payment methods

Payment method name and code	Payment term	Holding	Code in reports	Refund	Recurring payments
Autonomous bank card
Bank card `bank_card`	1 hour	7 days	AC	✅	✅
Payments via contactless payment apps
Mir Pay `bank_card`	1 hour	7 days	AC	✅	✅
E-wallets
YooMoney for Shopping `yoo_money`	1 hour	7 days	PC	✅	✅
Payments via banking apps
SberPay `sberbank`	1 hour	5 days	SB	✅	✅
T-Pay `tinkoff_bank`	1 hour	7 days	TB	✅	✅
FPS (Faster Payments System) `sbp`	1 hour	—	CP	✅	✅
Loans
“Credit purchases“ by SberBank `sber_loan`	8 hours	7 days	SL	✅	❌
B2B payments
SberBank Business Online `b2b_sberbank`	8 hours	—	2S	❌	❌
Other methods
Direct carrier billing `mobile_balance`	1 hour	6 hours	MC	✅	❌
Cash `cash`	No limits	6 hours	GP	❌	❌
Electronic certificate `electronic_certificate`	1 hour	—	EC	✅	❌

Payment information will be sent in payment reports.

Limits

Limits on payments

All payment methods have limits on the minimum and maximum payment amount. There are additional limits for some payments: for example, on the total amount of payments over 24 hours or a month. If the limits are exceeded, payments won’t go through.

Learn more about limits

Payment term

In YooMoney, each payment must be made within a limited time period. If a user hasn’t confirmed a payment before this period has expired, YooMoney will cancel the payment, expired_on_confirmation will be displayed as the reason behind the cancellation. To allow the user to pay, you need to create a new payment .

In case of a payment via banking apps or other external payment systems, an invoice from YooMoney is issued to the user. If there is still time for a payment in this system, but it has already expired in YooMoney, the money will be debited, but the payment won’t go through. The money will be instantly returned to the user.