Payments without a terminal
The customer pays by card or via SBP on your website, in your app or through a link — no terminal required.
Acquiring for online sales
Internet acquiring for websites, apps and links
MulenPay gives you the infrastructure to accept cards, SBP and QR payments: a payment widget, API, transaction statuses and reports — all in one merchant dashboard.
The basics
What internet acquiring is
Accepting cashless payments through a website, an app or a payment link
What MulenPay does
MulenPay is the technology infrastructure for accepting payments: checkout forms, API, statuses and reports.
Merchant dashboard
Transaction history, statuses, refunds, register exports and turnover analytics — in a single interface.
We break down the payment flow and how it differs from merchant acquiring in our articles — links at the bottom of the page.
Who it's for
Who MulenPay internet acquiring suits
From online stores to self-employed professionals
Online stores
Payment right inside the cart, tied to the order — customers don't drop off at the final step.
Online schools and experts
A reduced rate: 2.9% and lower at higher volumes, plus the option to pay for courses in instalments or on credit.
SaaS and subscriptions
Recurring charges and plan renewals — with no need for customers to re-enter card details.
Bookings and services
Prepayments and deposits cut no-show risk: a manager sends a link and the customer pays from a messenger.
Sole traders and small business
Start with no upfront costs: setup and integration are free.
Self-employed
Accept cards and pay-by-link with no terminal and no website — a smartphone and your dashboard are enough.
Payment methods
Which payment methods you can enable
The more familiar options on the form, the fewer abandoned payments
Bank cards
Visa, Mastercard, MIR and UnionPay — we accept cards issued in 50+ countries.
SBP
The customer scans a QR code or confirms the payment in their banking app — no card details needed.
Pay services
SberPay, T-Pay, Yandex Pay, Mir Pay and MTS Pay — checkout in a single tap.
QR code
We wrap the payment link in a QR code: show it on screen, print it or send it to the customer.
Foreign cards
Cards from overseas banks remove the barrier for customers abroad and widen your sales geography.
Recurring payments
Subscriptions and repeat charges on a saved payment method — no renewal reminders required.
Pricing
Pricing and fees for accepting payments
Base rates are known upfront; final terms are set out in the contract
Russian cards, SBP and Pay services — from 2.9%
The rate from 2.9% applies to cards issued by Russian banks, SBP and Pay services such as SberPay and T-Pay.
Foreign cards — from 8.9%
Acceptance of cards from overseas banks is enabled separately if you sell outside Russia.
Tailored terms
We agree your rate individually: it depends on turnover and business sector.
Free setup
Setup and integration are free — you pay a percentage of each payment.
The real cost of accepting payments
The rate is not the whole cost. We break down what else drives your economics in our article on fees.
MulenPay provides software and infrastructure solutions. The service does not offer financial, payment, banking or investment services in its own name: all financial operations are carried out by licensed providers and partners. Final terms and rates are set out in the contract.
Get started
Transparent pricing and a fast launch
Leave a request — we'll agree a rate that fits your turnover and business sector, and get payment acceptance live within one business day.
Onboarding
How to connect internet acquiring
Four steps from application to your first real payment
1. Sign up and apply
Create an account, provide your business details and submit a connection request.
2. Verification
We review your documents and website: product descriptions, seller contacts, payment and refund terms.
3. Integration
You get your keys and connect the widget, API or payment links.
4. Test payment
Check the mobile flow, a successful payment, a decline and notifications: a demo payment is available on the site.
Integration
Integrate via API, widget or payment link
Pick the format that matches your resources — from a single script to a full server-side integration
Payment widget
Add Widget.js to your site with one script; the form adapts to your site design.
Payment API
Create payments, retrieve statuses and issue refunds from your own backend or CRM.
Mobile SDKs
SDKs for iOS, Android and Flutter embed checkout directly in your app.
Payment link and QR
No website needed: generate a link in the dashboard and send it to the customer by messenger or email.
Webhooks and statuses
Server-side notifications deliver the final payment status to your system automatically.
Documentation and sandbox
Method reference, request examples and a demo payment guide your developer through the integration.
Operations
Refunds, statuses and notifications
Manage post-payment operations straight from the dashboard
Refunds
Issue a refund from the dashboard or via API; the procedure and timelines depend on the provider's terms.
Notifications to your system
Statuses reach your server and update the order in your CRM or CMS automatically.
Security and anti-fraud
Payment data protection is confirmed by PCI DSS Level 1 v4.0 certification, and anti-fraud reduces the risk of fraudulent transactions.
Reports and reconciliation
Export registers and analytics for any period — your finance team can match payments to orders.
Fiscalization
Online cash register and fiscalization
Customer receipts are generated automatically — nothing to issue by hand
Automatic receipts
A fiscal receipt is generated for every online payment, and the customer receives the document right after paying.
Online cash register integrations
For fiscalization, MulenPay integrates with the Ukassa and Webkassa online cash registers.
Receipt storage and export
Receipts are stored and available to download for every transaction, alongside the order data.
When a cash register is required
It depends on your tax regime and type of activity — settle this before you start selling.
Questions and answers
Frequently asked questions
The things merchants ask most often before connecting
Rates start from 2.9% for cards issued by Russian banks, SBP payments and Pay services (SberPay, T-Pay, Yandex Pay, Mir Pay, MTS Pay). Foreign cards start from 8.9%. Setup and integration are free. Your final rate depends on turnover and business sector. MulenPay provides software and infrastructure solutions and does not offer financial, payment, banking or investment services in its own name: all financial operations are carried out by licensed providers and partners, and the final terms are set out in the contract.
Further reading
Articles on accepting payments online
How internet acquiring works: the payment flow and statuses
What happens between the customer pressing Pay and the money reaching your account — stage by stage.
Merchant acquiring vs internet acquiring: what's the difference
Where you need a terminal, where an online form, and what to choose when you sell through both channels.
How to compare fees and calculate the real cost of accepting payments
Why a percentage rate alone never answers the question of what acquiring actually costs you.
Checklist: what to prepare on your website before connecting acquiring
The pages, company details and terms without which your application won't pass review.
Ready to connect internet acquiring?
Leave a request — we'll get your payment acceptance live within one business day.
Telegram bot
@Mulenpay_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.
