Payouts to clients

You can send money to individuals via YooMoney. This feature can be used by services which provide loans, make payouts to contractors, and pay out marketing fees.

You can also officially make payouts to self-employed individuals. It's useful for online platforms where self-employed individuals offer their services: freelancing marketplaces, education platforms, or delivery services.

Money can be sent to YooMoney wallets, bank cards and accounts, mobile phone balance. Available methods depend on the integration option. Learn more about methods

Payouts may be performed by organizations: sole proprietors and corporations, including non-Russian residents. They can be recieved by individuals (citizens of the Russian Federation). Everything is set officially: we provide documents for accounting department and the Tax Service.

How it works

Add money to your payout balance.
When you need to pay a client, either send an API request with the payout data to YooMoney or create a list of recipients and use it as the basis for a payout.
The client receives money, and you get notifications and documents.

Documents

YooMoney submits all the documents that your accounting department or the Tax Service may need.

We send Payment reports daily via email, separate ones for successful and returned payouts. Learn more in the documentation

Certificates on services rendered are created once a month and sent via email. You can additionally apply for accepting them in hard copy.

Onboarding

Technically, there're two connection types:

Without integration: each time you need to make a payout, you send us a list of recipients as a file.

With API integration: we have a new protocol version and the old one. During the onboarding process, we'll check which version suits you best.

The connection option determines the available payout types. Learn more about types

The whole registration process for new customers is described in the instructions below. If you already work with YooMoney, you don't need to sign up again. Just inform your manager that you'd like to make payouts.

Write us at ecommerce@yoomoney.ru:
- which service you need to implement: only payouts or payouts + payment acceptance,
- who will receive payouts: the self-employed or individuals,
After that, you'll be assigned a personal manager. They'll ask you to fill in a questionnaire to get information about your company.
Wait for the questionnaire to be approved.
Next, you need to draw up a contract and sign up for YooMoney and YooBusinеѕѕ. The manager will inform you how and in what order to do it.
- You'll get a YooBusiness correspondent account that will be used to debit money for payouts.
- You'll use the Merchant Profile to manage your payout settings.
If you're connecting via API, set up the integration using our documentation:
- using the new API version
- using the old API version
If you're going to make list-based payouts, please read these instructions
In order to make payouts to self-employed individuals, you need to do a couple of extra actions
Add money to the payout balance in YooBusiness for the required amount. After that, you may start making payouts.

After signing up

You'll get the Merchant Profile and a gateway for making payouts.

Merchant Profile

Here you can view your payout balance and payout history, settings, and rates. You may also make list-based payouts and disable payouts for a while.

If you make payouts via YooBusiness account

You'll get one more account in YooBusiness, where you'll be able to check and add money to your payout balance (currently, this feature available in the browser version only). Note: only a company's director has access to the company's YooBusiness correspondent account and to payouts via YooMoney. When a director's authority expires, it's necessary to confirm the extension, otherwise access to both services will be suspended.

Payout gateway

Payouts are made through gateways. After onboarding, you'll immediately get your own gateway with a unique number, agentId. This number is used, for example, in API requests to convey information about a sender of money, settings applied to the payout, commission amount, etc.

You may always view your agentId in the top menu of the Merchant Profile:

Payout balance

There're different ways to monitor and add money to the balance. It all depends on whether you make payouts via YooBusiness or using the account at another bank.

How to check your balance:

in your Merchant Profile
in YooBusiness: using the browser version
if you connected via API, you may use a special request (learn more in the documentation for the new API version and for the old API version).

How to add money to the balance: from your YooBusiness correspondent account. Go to YooBusiness via the browser (not via the app), find the payout contract you need, click "Add money", and follow the prompts on the website. The correspondent account itself can be replenished by any method available in YooBusiness.

How to withdraw the balance: go to YooBusiness and write in the chat that you'd like to transfer money from your payout balance to the correspondent account. You'll be sent an application template, you need to fill it in and send it back to the chat. The application will be processed and the money will be returned to your account.

Rates and conditions

Payout types	Integration option	Commissions	Where the money is sent	Limits
To YooMoney wallet	Via the new API version Via the old API version By list	2,8%	instantly	You can send to a single client at a time: Anonymous user: up to 15,000 ₽ at a time. Reviewed user: up to 60,000 ₽ at a time. Identified user: up to 500,000 ₽ at a time. To any Wallet: up to 600,000 ₽ a month.
To bank cards: any cards issued in Russia, Mir cards issued in other countries.	Via the new API version Via the old API version By list	2,8% + 30 ₽	in a few seconds	If payouts are made via YooBusiness, then you can send to a single client: from 5 ₽ to 500,000 ₽ at a time when integrating via the new API version, from 100 ₽ to 500,000 ₽ at a time when integrating via the old API version or by list, up to 500,000 ₽ a day, up to 600,000 ₽ a calendar month. If you use the account at another bank, then you can send to a single client: from 100 ₽ to 60,000 ₽ at a time, up to 300,000 ₽ a day, up to 600,000 ₽ a calendar month. These limits apply to all client's cards (verification is made by passport details).
Via FPS with verification of the payout recipient We compare the full name that you sent us with the full name from the bank. If they don't match, we decline the payout. This is how we prevent the payout from being received by the wrong person.	Via the new API version	2,8% + 30 ₽	in a few seconds	To one client, you can pay up to 500,000 ₽ at a time, and there're no other limits.
Via FPS without verification of the payout recipient	Via the new API version	2,8% + 30 ₽	in a few seconds	To one client, you can pay up to 500,000 ₽ at a time.
To bank account	Via the old API version By list	2,8%	in several hours	If you make payouts via YooBusiness, then you can pay from 20 ₽ to 300,000 ₽ at a time to one client, there're no other limits. If you use the account at another bank, then you can send to a single client: from 20 ₽ to 60,000 ₽ at a time, up to 300,000 ₽ a day up to 600,000 ₽ a calendar month. These limits apply to all client's cards (verification is made by passport details).
Direct carrier billing	Via the old API version By list	4%	instantly	To one number, you can pay up to 15,000 ₽ at a time.