Global reach
Take payments from buyers outside Russia. The geography is agreed at onboarding: under the sanctions policy the service does not work with jurisdictions subject to international restrictions.
International acquiring
International acquiring for payments worldwide | MULENPAY
MulenPay provides international acquiring for online stores and businesses operating on the global market. Accept payment from foreign customers in multiple currencies.
Competitive rates, quick integration and technical support for Russian and international companies.
Mulenpay
global-shop.com
Order #8421
To pay
$184.00
USD
$184.00
EUR
€169.00
KZT
₸84,900
Buyer country
Germany · EUR
Acquiring bank
MulenPay Partner Network
Conversion & settlement
1 EUR = 99.40 RUBTo RUB account
PCI DSS COMPLIANT
Wrong page?
You may have been looking for something else
Searches about international payments bring people here with three different tasks. This page answers one of them — check whether it is yours
Take payments from abroad
A customer in another country pays with their own card on your site and the money reaches you. That is international acquiring — you are on the right page, read on.
Pay for an international service yourself
A subscription, hosting, ads, a software licence. A card issued by a Russian bank will not go through there, and acquiring has nothing to do with it — that has its own page.
Send money to a counterparty abroad
That is a bank transfer, not payment acceptance. Mass payouts here work with cards inside Russia, so a cross-border transfer needs a bank rather than a payment service.
Partner banks
We work with regional banks
Features
Everything for international payments
MulenPay handles the technical and regulatory side — you focus on sales
Multi-currency
The buyer sees the charge currency before paying. If it differs from their card currency, the issuing bank converts the amount at its own rate — worth flagging next to the price.
Security & compliance
PCI DSS compliant and aligned with local regulators. Card data encryption and protection against fraudulent transactions.
Diverse payment methods
Bank cards, e-wallets and local payment services popular in different countries. Fewer declines, higher conversion.
Quick integration
A payment gateway with automatic currency and geolocation detection. Connects to a website or online store without complex technical work.
Multilingual support
Technical support in multiple languages across time zones — rapid resolution of any issues for international clients.
Grow your business
Enter the international market with MulenPay
Simple integration with your website or store, transparent payouts to your account. Payment analytics help you track turnover and optimise business processes.
What it costs
Rates for accepting foreign cards
Starting rates are known up front; the final one depends on turnover and line of business and is fixed in the contract
Foreign cards from 8.9%
The rate for accepting cards issued outside Russia.
Russian cards and SBP from 2.9%
Domestic revenue is charged at the starting rate; it needs no separate tariff.
Onboarding is free
No setup fee and nothing monthly: the commission applies only to payments taken.
How to set it up
The onboarding path
The same path as ordinary acquiring: international acceptance needs no separate contract
Request
Say where you expect payments from and roughly what turnover. The request goes to a manager.
Terms
The manager quotes a rate for your case and agrees the geography of acceptance.
Paperwork
The same set as for ordinary onboarding — the contents are covered in a separate answer.
Go live
Widget, payment link or API. Foreign cards appear in the same payment form as everything else.
Who it suits
Who accepts payments from abroad
Scenarios where foreign cards cover a real share of revenue
Online schools
Students abroad pay for a course with their own card, with no transfers or middlemen.
Services and subscriptions
Recurring charges work on cards issued outside Russia too.
Stores that ship abroad
The buyer pays at checkout instead of wiring money "by bank details".
Creators and platforms
Payments for content and services from a foreign audience on the same terms as at home.
What to watch
How a cross-border payment differs
More parties in the chain means more places where something can go wrong
A separate rate
Foreign cards cost from 8.9% against 2.9% for Russian bank cards.
Conversion
The buyer bank may convert at its own rate — worth flagging before checkout.
A recognisable descriptor
The statement must show a clear merchant name, or disputes climb.
Clear terms
Refund rules and delivery times get read especially carefully on cross-border purchases.
Questions and answers
Common questions about cross-border payments
From 8.9% per payment. Russian bank cards, SBP and Pay services run from 2.9%.
No separate contract is needed: international acceptance is set up within ordinary acquiring. You send a request, the manager quotes a rate for your case and agrees the geography, and from there it is the same paperwork and the same integration — widget, payment link or API. Foreign cards then appear in the same payment form that already has Russian cards and SBP.
The same set as for ordinary onboarding: accepting foreign cards needs no separate contract. You will need the company or sole trader details, proof that the site is yours, and the site itself — with product descriptions, prices, payment and refund terms and seller contacts. The review looks not only at the documents but at what the buyer sees, and for cross-border purchases that shows most: refund rules and delivery times are read more carefully here than for a domestic purchase.
The geography is agreed at onboarding. What can be said straight away is what will not be there: under the sanctions policy the service does not work with people and organisations connected to jurisdictions subject to international sanctions or heightened restrictions. Promising acceptance "from any country" would be untrue, so the specific list is confirmed by a manager.
VISA and MasterCard issued outside Russia.
The charge currency is configured per shop and is worth settling at onboarding. The buyer must see that currency before paying. If their card is issued in another currency, the issuing bank converts the amount at its own rate and with its own conversion fee, so the figure on their statement almost never matches the price on the site to the cent. It is worth saying so next to the price: a fair share of disputes over cross-border payments start with an amount the buyer does not recognise.
Banks have their own cross-border rules and anti-fraud checks. Only the issuer knows the exact reason, so offer an alternative payment method.
Yes, when the buyer does not recognise the transaction on their statement. A clear merchant name and readable refund terms remove most of them.
Further reading
Getting into the detail
Pricing and the fee calculator
Russian cards start at 2.9%, foreign ones at 8.9%; the calculator accounts for the split.
Can I accept payments from foreign cards
How such a payment differs and what to get right in the interface.
What is a chargeback
How a bank dispute runs and how to reduce them.
What makes up the fee
Why a cross-border payment costs more than a domestic one.
Ready-made CMS modules
Foreign cards are accepted through the same module as Russian ones.
Ready to accept payments from abroad?
Connect international acquiring and open your business to customers worldwide.
Phone
+1 (767) 555-0147
International number
Telegram bot
@mulen_support_bot
Quick answers 24/7
Legal address
RBY Commerce Ltd.
8 Copthall, Roseau Valley, 00152, Commonwealth of Dominica
Leave a request
Fill out the form — a manager will get in touch, tailor the terms and help with the integration.
