[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"questions:item:en:what-is-a-payment-aggregator":3},{"id":4,"title":5,"answer":6,"body":7,"category":143,"description":144,"extension":145,"meta":146,"modifiedAt":147,"navigation":148,"pairId":149,"path":150,"publishedAt":151,"question":152,"relatedPath":133,"seo":153,"seoTitle":154,"sitemap":155,"slug":156,"stem":157,"translationSlug":158,"__hash__":159},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-a-payment-aggregator.md","What Is A Payment Aggregator","A payment aggregator is a service that gives a business access to several payment methods through a single contract and a single integration. Instead of separate connections to a bank, SBP and Pay services, the merchant gets one payment form and one dashboard.",{"type":8,"value":9,"toc":136},"minimark",[10,13,18,21,24,89,93,106,110,127],[11,12,6],"p",{},[14,15,17],"h2",{"id":16},"how-it-differs-from-direct-acquiring","How it differs from direct acquiring",[11,19,20],{},"With direct acquiring a company signs a contract with a specific bank, passes its review and integrates with its payment gateway. Every additional payment method is a separate story: its own contract, its own integration, its own reports.",[11,22,23],{},"An aggregator absorbs that work:",[25,26,27,42],"table",{},[28,29,30],"thead",{},[31,32,33,36,39],"tr",{},[34,35],"th",{},[34,37,38],{},"Direct acquiring",[34,40,41],{},"Aggregator",[43,44,45,57,67,78],"tbody",{},[31,46,47,51,54],{},[48,49,50],"td",{},"Contracts",[48,52,53],{},"One per method",[48,55,56],{},"One",[31,58,59,62,65],{},[48,60,61],{},"Integrations",[48,63,64],{},"Several",[48,66,56],{},[31,68,69,72,75],{},[48,70,71],{},"Reporting",[48,73,74],{},"Fragmented",[48,76,77],{},"In one dashboard",[31,79,80,83,86],{},[48,81,82],{},"Time to launch",[48,84,85],{},"Longer",[48,87,88],{},"Usually faster",[14,90,92],{"id":91},"who-it-suits","Who it suits",[94,95,96,100,103],"ul",{},[97,98,99],"li",{},"Small and mid-sized businesses without a dedicated payments team.",[97,101,102],{},"Projects that need many methods at once: cards, SBP, Pay services.",[97,104,105],{},"Teams launching fast who cannot wait out long approvals.",[14,107,109],{"id":108},"what-to-look-at-when-choosing","What to look at when choosing",[94,111,112,115,118,121,124],{},[97,113,114],{},"The set of payment methods and whether they share one rate.",[97,116,117],{},"Transparency: what the rate covers, whether onboarding is charged.",[97,119,120],{},"Fiscalisation under 54-FZ if you sell to individuals.",[97,122,123],{},"Integration options: ready-made modules, an API, payment links.",[97,125,126],{},"How refunds and disputes are handled.",[11,128,129,130,135],{},"One distinction matters: an aggregator provides the technology and infrastructure, while the settlements themselves are carried out by licensed financial organisations. That is how MulenPay operates — see ",[131,132,134],"a",{"href":133},"\u002Finternet-acquiring","internet acquiring",".",{"title":137,"searchDepth":138,"depth":138,"links":139},"",2,[140,141,142],{"id":16,"depth":138,"text":17},{"id":91,"depth":138,"text":92},{"id":108,"depth":138,"text":109},"basics","A payment aggregator connects a business to many payment methods under one contract. Compared with direct bank acquiring on setup time and coverage.","md",{},null,true,"question-06","\u002Fen\u002Fquestions\u002Fwhat-is-a-payment-aggregator","2026-08-11","What is a payment aggregator and how does it differ from a bank?",{"description":144},"Payment aggregator vs bank acquiring: what differs",{"loc":150},"what-is-a-payment-aggregator","en\u002Fquestions\u002Fwhat-is-a-payment-aggregator","chto-takoe-platezhnyy-agregator","H6NWB-cYKwodNREWoBdtmGzwxwTkm3pCNxdr5XHmM1w"]