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.
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.
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.
See also