Payment from an account in an SMS message

This is an old version of the API. Switch to the YooMoney API.

This scenario allows the merchant to initiate deducting money from the user’s account. During the payment process, the user doesn’t need to enter additional parameters. An text message is sent to the user’s phone with the payment amount and the confirmation code.

This scenario is very different from the typical scenario.

Available payment methods: SberPay

To accept payments this way, you need to get:

The user’s ID: phone number linked to SberBank mobile bank.
The user’s agreement with the YooMoney conditions (you can link to it from your website).

You can activate this payment scenario on request: send email to your YooMoney manager.

Interaction flow

The merchant sends a request to process a payment (createInvoice).
YooMoney initiates the process of debiting funds from the user’s account.
The payment service sends the user a text message requesting to confirm the payment by replying to the text message or a push notification requesting to confirm the payment in the mobile app.
If the user confirmed the payment, the store gets a standard notification of the transfer (paymentAviso).

To get the payment status without waiting for the paymentAviso, you can re-send the request (createInvoice) with the same parameters. Remember that the user needs sufficient time for confirming the payment.

Special considerations for SberPay

Sending the SMS via SberBank mobile banking may take up to 10 minutes.

SberBank mobile banking allows payments for amounts from 10 to 10,000 rubles.

YooMoney doesn’t send information if there SberBank Mobile account linked to the phone number in question.