Application
Leave a request on the site or sign up in the dashboard. A manager gets in touch, clarifies your sector and turnover and explains the next steps.
For sole traders
Payment acceptance for sole traders
What a sole trader needs to accept card and SBP payments: an application, the documents for the contract, a business bank account and a cash register issuing 54-FZ receipts. The technical part takes one business day.
Fees from 2.9% PCI DSS 4.0.1
What you need
What a sole trader needs to connect acquiring
Four things without which an application never reaches the contract stage. An active sole trader usually has three of them already
Documents for the contract
The manager sends the exact list of documents after your application: it depends on your line of business. There is nothing to prepare in advance.
Business bank account
Sales proceeds are settled to the sole trader's business account. You provide the account details when signing the contract.
Website or sales page
If payments will be taken on a website, it must show product or service descriptions, seller contacts, and payment and refund terms. Payment links need no website at all.
Payment methods
What a sole trader can accept through MulenPay
Everything that comes with a single contract: from cards to recurring charges
Russian bank cards
Visa, Mastercard and MIR with 3-D Secure confirmation.
SBP
The buyer confirms the payment in their banking app via a QR code or link and never types card details.
SberPay and T-Pay
One-tap checkout for buyers who use these banks' apps.
Payment link and QR
For sales in chats, social networks and at a point of sale: create a link in the dashboard in a minute.
Recurring charges
Memberships and subscriptions: repeat charges on a saved payment method without the buyer's involvement.
Foreign cards
If some of your buyers hold cards from overseas banks, this is enabled at a separate rate.
Settlement formats
How sole traders usually take payments
Your tax regime has no effect on onboarding: the rate depends on turnover and business sector. The regime matters for something else — whether you need an online cash register
Payment on a website
An online store, a services site or a landing page: the payment form is embedded with the widget or a ready-made CMS module, and the buyer pays without leaving the page.
Payment by link without a website
Orders in messengers and social networks, prepayment after a call, on-site payment by QR: you create a link in the dashboard and send it to the buyer.
Payment in an app
If you have your own mobile app, payment is embedded through the REST API: statuses arrive on your server as webhooks.
Memberships and subscriptions
Studios, courses, subscription services: the first charge is confirmed by the buyer, the following ones run on the saved payment method.
Cash register and receipts
Online cash register and 54-FZ receipts for sole traders
No need to buy and maintain your own cash register: receipts for online payments are issued by a cloud online cash register
A receipt for every payment
After a successful payment the receipt is generated automatically and sent to the buyer. Nothing is issued by hand.
Cloud cash register
Fiscalisation runs through a cloud online cash register that we connect together with payment acceptance. The sole trader gets no extra hardware.
Receipts in the dashboard
The receipt for every operation is stored next to the payment data and can be downloaded whenever your accountant or the buyer needs it.
Do you need a cash register at all
It depends on your tax regime and type of activity. If you do not need one, payment acceptance is connected without it.
Self-employed rather than a sole trader?
The self-employed have a separate page
A self-employed person has no business bank account and a different receipt procedure, so onboarding differs. If you work as a self-employed person, see the terms for that status.
Payments for the self-employedGet started
Acquiring for sole traders in one business day
Leave a request: a manager will send the list of documents, discuss a rate for your turnover and help with the setup.
Cost
What acquiring costs a sole trader
No setup fee and no monthly fee: only a percentage of each successful payment
From 2.9% — Russian cards, SBP, SberPay and T-Pay
The starting rate is the same for all main payment methods inside Russia.
From 8.9% — foreign cards
Enabled separately and only if you actually have such buyers.
10–300,000 ₽ per operation
The limit for a single payment. If you need larger amounts, split them into several payments or discuss terms with your manager.
A rate for your turnover
For sole traders with a sizeable turnover we agree the rate individually and fix it in the contract.
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.
Dashboard
Analytics and payouts in the dashboard
Everything an entrepreneur without an in-house accountant needs: see the money, refund it and export it
Sales analytics
Turnover, number of operations and the share of each payment method for any period: on a chart and in a table.
Operations and refunds
Payment history with statuses, a refund for a specific operation in a couple of clicks, notifications for every change.
Registers for accounting
Export of operations for a period for bookkeeping and reconciliation with the money arriving in your business account.
Payouts
If the sole trader pays contractors or partners, bulk card payouts are launched from the same dashboard.
Questions and answers
Questions from entrepreneurs
What sole traders ask before connecting acquiring
The manager sends the list of documents after your application: it depends on your line of business. You will need the entrepreneur's details, the business account details and, if payments will be taken on a website, the site itself with product or service descriptions, seller contacts and refund terms.
Yes. Online sales proceeds are settled to the sole trader's business account, and its details go into the contract. If you do not have an account yet, open one before applying.
It depends on your tax regime and type of activity; check with your accountant. If you do need one, you will not have to buy it: 54-FZ receipts are issued automatically for every payment by a cloud online cash register, and the receipts are stored in the dashboard.
No, onboarding differs: a self-employed person has no sole trader business account and a different receipt procedure. There is a separate page with payment acceptance terms for that status.
Only a percentage of each payment: from 2.9% for Russian bank cards, SBP, SberPay and T-Pay and from 8.9% for foreign cards. Setup and integration are free, and there is no monthly fee. The final rate depends on turnover and sector and is fixed in the contract.
The technical part takes one business day: keys, the widget or a payment link, a test payment. The overall timeline depends on how quickly you send the documents and how ready your website is.
Further reading
For entrepreneurs before connecting
Pricing and the fee calculator
Work out what remains of a sole trader's turnover after the fee: rates, the operation limit, the calculator.
What sole traders and the self-employed should prepare before accepting online payments
The difference between the two statuses, the documents and the website terms that are checked before launch.
How to compare fees and calculate the real cost of accepting payments
What besides the rate affects the final amount that reaches your business account.
Checklist: what to prepare on your website before connecting acquiring
The pages and wording that get a sole trader's application sent back for revision.
A payment module for your CMS
A sole trader's site on WordPress, 1C-Bitrix or OpenCart connects with a ready-made module, no developer needed.
Connect acquiring for a sole trader
Leave a request: we will send the list of documents and launch payment acceptance within one business day.
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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.
