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.
You can accept payments made via bank cards from Visa, Mastercard, Maestro, Mir, JCB, and other issuers. 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.
Bank cards that you can accept for paymentYooMoney users can pay via Apple Pay and Google Pay. You can integrate these payment methods independently or using mobile SDK.
You can accept payments from a YooMoney for Shopping wallet or a linked bank card, from a QIWI Wallet, or Webmoney.
Using YooMoney, you can send invoices to your customers via Internet banking of Sberbank Online, Alfa-Click, and Tinkoff.
You can accept payments from companies and entrepreneurs via Sberbank Business Online.
More about B2B paymentsYou can accept payments made via direct carrier billing, in cash via a payment kiosk or at our partner’s office, via the Installments service (on a loan or installment plan).
| Payment method name and code | Payment term | Holding | Code in reports | Refund | Recurring payments |
|---|---|---|---|---|---|
| Bank card bank_card | 1 hour | 7 days | AC | ✅ | ✅ |
| Apple Pay apple_pay | 1 hour | 7 days | AC | ✅ | ❌ |
| Google Pay google_pay | 1 hour | 7 days | AC | ✅ | ❌ |
| Electronic funds | |||||
| YooMoney for Shopping yoo_money | 1 hour | 7 days | PC | ✅ | ✅ |
| QIWI Wallet qiwi | 1 hour | 6 hours | QW | ✅ | ❌ |
| Webmoney webmoney | 1 hour | 6 hours | WM | ✅ | ❌ |
| Internet banking | |||||
| Sbebrank Online sberbank | 8 hours | 6 hours | SB | ✅ | ❌ |
| Alfa-Click alfabank | 8 hours | 6 hours | AB | ✅ | ❌ |
| Tinkoff tinkoff_bank | 1 hour | 6 hours | TB | ✅ | ❌ |
| B2B payments | |||||
| Sberbank Business Online b2b_sberbank | 72 hours | — | 2S | ❌ | ❌ |
| Other methods | |||||
| Direct carrier billing mobile_balance | 1 hour | 6 hours | MC | ✅ | ❌ |
| Cash cash | No limits | 6 hours | GP | ❌ | ❌ |
| Installments installments | 8 hours | 6 hours | CR | ✅ | ❌ |
Payment information will be sent in payment reports.
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 limitsIn 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 Internet banking or other external payment systems (for example, Webmoney or QIWI Wallet) 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 returned to the user: in 24 hours if the payment was made via Sberbank Online and instantly for other payment methods.
Integration scenariosPayment processRefundsReports