[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"questions:item:en:what-is-sbp":3},{"id":4,"title":5,"answer":6,"body":7,"category":155,"description":156,"extension":157,"meta":158,"modifiedAt":159,"navigation":160,"pairId":161,"path":162,"publishedAt":163,"question":164,"relatedPath":139,"seo":165,"seoTitle":166,"sitemap":167,"slug":168,"stem":169,"translationSlug":170,"__hash__":171},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-sbp.md","What Is Sbp","SBP (the Faster Payments System) is a Bank of Russia service that moves money directly from the buyer's account to the merchant's using a QR code or a payment link. Unlike a card payment, no card details are involved at all.",{"type":8,"value":9,"toc":147},"minimark",[10,13,18,34,38,104,107,111,126,130,133],[11,12,6],"p",{},[14,15,17],"h2",{"id":16},"how-a-payment-runs","How a payment runs",[19,20,21,25,28,31],"ol",{},[22,23,24],"li",{},"The merchant shows a QR code or sends a link.",[22,26,27],{},"The customer scans it or opens the link — their banking app launches.",[22,29,30],{},"The recipient and amount are already filled in; the customer just confirms.",[22,32,33],{},"Money moves from account to account.",[14,35,37],{"id":36},"how-it-differs-from-a-card","How it differs from a card",[39,40,41,56],"table",{},[42,43,44],"thead",{},[45,46,47,50,53],"tr",{},[48,49],"th",{},[48,51,52],{},"Card",[48,54,55],{},"SBP",[57,58,59,71,82,93],"tbody",{},[45,60,61,65,68],{},[62,63,64],"td",{},"What is involved",[62,66,67],{},"Card details",[62,69,70],{},"A bank account",[45,72,73,76,79],{},[62,74,75],{},"How the customer pays",[62,77,78],{},"Enters number, expiry, CVC",[62,80,81],{},"Confirms in their own app",[45,83,84,87,90],{},[62,85,86],{},"Authentication",[62,88,89],{},"3-D Secure",[62,91,92],{},"Banking app login",[45,94,95,98,101],{},[62,96,97],{},"Refunds",[62,99,100],{},"Through the payment scheme",[62,102,103],{},"As a reverse transfer",[11,105,106],{},"For the buyer the main difference is that there is no long card number to type, which means fewer reasons to abandon checkout. For the merchant it means a different confirmation flow and a different refund path.",[14,108,110],{"id":109},"where-sbp-fits-best","Where SBP fits best",[112,113,114,117,120,123],"ul",{},[22,115,116],{},"Payments from a phone, where entering a card is awkward.",[22,118,119],{},"Offline points, cafés and delivery: the QR code can be printed or shown on a screen.",[22,121,122],{},"Sales in messengers and social media, where there is no full checkout.",[22,124,125],{},"Micropayments and donations, where speed matters.",[14,127,129],{"id":128},"what-to-keep-in-mind","What to keep in mind",[11,131,132],{},"SBP does not fully replace cards: some buyers are used to paying by card, and some banks may not support a given flow. The practical approach is to offer both in the same payment form rather than making the customer choose upfront.",[11,134,135,136,141,142,146],{},"At MulenPay, SBP carries the same rate as Russian cards — from 2.9%. See ",[137,138,140],"a",{"href":139},"\u002Fpayment_qr","QR payments"," for details and ",[137,143,145],{"href":144},"\u002Ftarify","pricing"," for the full rate list.",{"title":148,"searchDepth":149,"depth":149,"links":150},"",2,[151,152,153,154],{"id":16,"depth":149,"text":17},{"id":36,"depth":149,"text":37},{"id":109,"depth":149,"text":110},{"id":128,"depth":149,"text":129},"basics","SBP is Russia's Faster Payments System, moving money account to account via a QR code or a link. Compared with cards on speed, fees and refund scenarios.","md",{},null,true,"question-04","\u002Fen\u002Fquestions\u002Fwhat-is-sbp","2026-08-11","What is SBP and how does it differ from paying by card?",{"description":156},"What is SBP and how it differs from card payments",{"loc":162},"what-is-sbp","en\u002Fquestions\u002Fwhat-is-sbp","chto-takoe-sbp","3EkX4trT2Wy9lUGDJPEwFkaaXSdYkRKOUuHrWcPVwzg"]