Bank cards
Visa, Mastercard, MIR and UnionPay — we accept cards issued in 50+ countries.
For sole traders
Payment acceptance for sole traders
Take payments on your website, in your app, by payment link or via QR. Internet acquiring, SBP, fiscal receipts and operation statuses in one dashboard.
What you get
What payments a sole trader can accept
One contract covers every core scenario for taking payments online
SBP and QR code
The customer confirms the payment in their banking app or scans a QR — no card details needed.
Pay services
SberPay, T-Pay, Yandex Pay, Mir Pay and MTS Pay — checkout in a single tap.
Payment links
Issue a link in the dashboard and send it to the customer — no website required.
Recurring payments
Subscriptions and repeat charges on a saved payment method.
Foreign cards
Cards from overseas banks are enabled separately if you sell outside Russia.
Acquiring
Internet acquiring for sole traders
The technical side of accepting payments that you do not have to build yourself
Ready-made checkout form
Widget.js goes onto your site with one script and adapts to your design.
API and mobile SDKs
Integrate into your backend, CRM or app via API and SDKs for iOS, Android and Flutter.
Statuses and notifications
Server-side notifications update the order in your system without manual checks.
Reports and reconciliation
Export registers and analytics for any period for bookkeeping and accounting.
Fiscalization
Online cash register and fiscalization
A receipt for every payment is generated automatically — nothing to issue by hand
Automatic receipts
A fiscal receipt is generated for every online payment and the customer gets it right away.
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.
No website needed
Payment links and SBP
For sales that happen over chat, calls or social media
A link in a minute
Enter the amount and what the payment is for — the link is ready to send.
QR code for offline
The same link can be shown on screen, printed or added to your documents.
Payment via SBP
The customer pays from their banking app without entering card details.
Payment control
The status of every link is visible in the dashboard — no need to ask the customer.
Get started
Payments for sole traders within one business day
Leave a request — we'll agree a rate that fits your turnover and sector and help you through the technical part.
Pricing
Pricing for sole traders
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.
Free setup
Setup and integration are free — you pay a percentage of each payment.
Tailored terms
We agree your rate individually: it depends on turnover and business sector.
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.
Onboarding
How to start accepting payments
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 with a demo payment.
Questions and answers
Frequently asked questions
What entrepreneurs ask most often before connecting
Rates start from 2.9% for cards issued by Russian banks, SBP payments and Pay services; 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 for entrepreneurs
What sole traders and the self-employed should prepare before accepting online payments
Documents, product descriptions and refund terms without which an application will not pass review.
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 that get reviewed before payments go live.
Ready to accept payments?
Leave a request — we'll get payments live for your business 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.
