An online service
Hosting, software, games, media, education or any other digital product sold to an audience in Russia. The buyer wants to pay with the card they already hold, and the payment has to go through on the first try.
For foreign companies
Accept payments from customers in Russia
Your customers in Russia pay the way they are used to — with a Russian bank card, through SBP, SberPay or T-Pay — and you keep selling to them. Russian cards, SBP and Pay services from 2.9% per payment, onboarding and integration free of charge.
Fees from 2.9% PCI DSS 4.0.1
Who this is for
A foreign business with buyers in Russia
The problem is the same in every case: your usual acquiring does not take cards issued by Russian banks, and that is exactly what the buyer has
An online store
Goods shipped to Russia or sold through a Russian-language storefront. Checkout needs the familiar methods — a card, a QR code, a one-tap Pay service — otherwise the cart is abandoned.
A SaaS with subscriptions
Monthly or annual plans billed to Russian customers. Recurring payments, refunds and statuses come through the API, so your billing keeps working the way it does for everyone else.
What the buyer gets
The methods people in Russia actually pay with
No new habits to learn on the buyer's side: the payment form offers what their bank already supports
Russian bank cards
Visa, Mastercard and Mir cards issued by Russian banks — the method most buyers reach for first. Every card payment is confirmed through 3-D Secure.
SBP
The Faster Payments System: the buyer scans a QR code or follows a link and confirms the payment in their own banking app, with no card details to type.
SberPay and T-Pay
One-tap payment for customers of Sber and T-Bank. The buyer confirms in the banking app they open every day, and the card number stays inside the bank.
PCI DSS 4.0.1
Card data is processed in an environment certified to the current version of the standard. Your site never sees the card number, which keeps your own compliance scope small.
How to connect
Four ways to add the payment form
Pick the one that matches your stack: from a snippet pasted into a page to a full server-side integration
Payment widget
A ready-made form that opens on your page without a redirect. One script to embed, and the buyer stays on your site through the whole payment.
REST API
Create payments from your backend, receive statuses by webhook, issue refunds and receipts. The documentation lives at docs.mulenpay.com, with a test environment for your developers.
Payment links
A link or QR code generated in the dashboard — for invoices, messenger sales and anything that does not need a storefront. No code required.
CMS modules and guides for 14 platforms
Ready-made modules for popular e-commerce platforms and CMS. Install, enter the keys, and the payment methods appear at checkout.
Terms
What it costs and what the limits are
The full rate table and the fee calculator are on the pricing page
From 2.9%
Russian bank cards, SBP and Pay services share one rate. Cards issued outside Russia, if some of your buyers hold them, are accepted from 8.9%.
From 10 ₽ to 300,000 ₽
The limit on a single transaction. It is the same for every payment method on the form.
No setup or monthly fee
Onboarding and integration are free, and there is no subscription. The commission applies only to payments actually taken.
Receipts where required
Where Russian law (54-FZ) requires a fiscal receipt for a sale, it is issued automatically by a cloud online cash register and sent to the buyer.
The rates above are starting rates. The final terms for a foreign legal entity — including the settlement currency — are agreed during onboarding and fixed in the contract.
How it goes
From request to the first payment
Six steps. With documents in hand and a developer available, the whole path fits into one day
1. Request
Leave your contact details and a few words about the business: what you sell, where the buyers are, which methods you need.
2. Manager
A manager gets in touch, clarifies the terms for your legal entity and tells you which documents are needed.
3. Contract
The rate, settlement currency and other conditions are fixed in the contract, so the terms you start with are the terms you read before signing.
4. Integration
Your developer connects the widget, the API or a platform module. Payment links need no developer at all.
5. Test
A test payment in the sandbox checks statuses, webhooks and receipts before a single real customer sees the form.
6. Launch
The payment methods switch on, and the first payments from Russia arrive in your dashboard.
Worth knowing
The terms for a foreign company are set at onboarding
Whether a specific company can be connected, in what currency it is settled and from which countries it may be registered is decided during onboarding, and the final terms are fixed in the contract. MulenPay provides the software and the infrastructure; the payments themselves are processed by licensed partners under their own agreements. If you are not sure the scheme fits your business, describe it in the request — a manager will answer before you commit to anything.
Questions and answers
Frequently asked
That is who this page is for. Whether a specific legal entity can be connected depends on its country of registration, line of business and documents, and the manager confirms it during onboarding. Send a request with a short description of the business, and you will get a definite answer before signing anything.
The list of countries where the company may be registered and the settlement currency are determined at onboarding and depend on the partner that will process your payments. We do not publish them here because they change, and a figure on a landing page should not contradict the contract.
With Visa, Mastercard and Mir cards issued by Russian banks, through SBP by QR code or link, and with SberPay and T-Pay in one tap. All of them are offered in a single payment form, so the buyer picks the one their bank supports.
Where the law requires a fiscal receipt for a sale, it is issued by a cloud online cash register automatically: the payment comes in, the receipt goes to the buyer, and nothing has to be installed. Whether receipts are required in your particular case is clarified with the manager during onboarding.
The widget and the platform modules take a developer a few hours. A REST API integration with webhooks takes longer and depends on your billing logic. Payment links work with no integration at all. With documents ready, going live fits into one day.
The documentation is at docs.mulenpay.com. Technical support is available by email at support@mulenpay.com and in Telegram at @mulen_support_bot. A manager stays in touch through the whole onboarding.
Related
Related pages
Pricing and the fee calculator
Russian cards, SBP and Pay services from 2.9%, foreign cards from 8.9%, single-transaction limits.
International acquiring
The opposite task: a seller in Russia taking payments from customers abroad.
Payment API
Payments, statuses, webhooks, refunds and receipts from your own backend.
Payment widget
A payment form on your page with no redirect, set up in one script.
About MulenPay
What the company does, what it does not do, and who processes the payments.
Start accepting payments from Russia?
Send a request — a manager will check the terms for your company and help with the integration.
Telegram bot
@mulen_support_bot
Quick answers 24/7
Contacts and departments
All contact channels
Six departments, response times and company details
Leave a request
Fill out the form — a manager will get in touch, tailor the terms and help with the integration.
