[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"questions:item:en:what-makes-up-the-acquiring-fee":3},{"id":4,"title":5,"answer":6,"body":7,"category":126,"description":127,"extension":128,"meta":129,"modifiedAt":130,"navigation":131,"pairId":132,"path":133,"publishedAt":134,"question":135,"relatedPath":111,"seo":136,"seoTitle":137,"sitemap":138,"slug":139,"stem":140,"translationSlug":141,"__hash__":142},"questions_en\u002Fen\u002Fquestions\u002Fwhat-makes-up-the-acquiring-fee.md","What Makes Up The Acquiring Fee","The fee is split between the parties to a transaction: the bank that issued the card, the payment scheme, and the side that settles the money and supplies the technology. That is why the rate depends on the payment method, your volume and your industry, and is quoted as \"from\".",{"type":8,"value":9,"toc":119},"minimark",[10,13,18,47,50,54,81,85,88,102,105],[11,12,6],"p",{},[14,15,17],"h2",{"id":16},"who-takes-part-in-a-payment","Who takes part in a payment",[19,20,21,29,35,41],"ol",{},[22,23,24,28],"li",{},[25,26,27],"strong",{},"The issuing bank"," — issued the buyer's card and authenticates the transaction.",[22,30,31,34],{},[25,32,33],{},"The payment scheme"," — routes the request and sets the rules.",[22,36,37,40],{},[25,38,39],{},"The acquirer"," — settles the transaction and credits the merchant.",[22,42,43,46],{},[25,44,45],{},"The payment service"," — provides the payment form, integration, reporting and support.",[11,48,49],{},"The merchant sees one number, but inside it is shared between all of them.",[14,51,53],{"id":52},"why-rates-differ","Why rates differ",[55,56,57,63,69,75],"ul",{},[22,58,59,62],{},[25,60,61],{},"Payment method."," Russian bank cards, SBP and Pay services usually share one rate; foreign cards cost noticeably more.",[22,64,65,68],{},[25,66,67],{},"Volume."," The larger the turnover, the lower the final rate.",[22,70,71,74],{},[25,72,73],{},"Industry."," Some categories get reduced terms — education, for example.",[22,76,77,80],{},[25,78,79],{},"Risk profile."," Sectors with heavy refunds and disputes cost more.",[14,82,84],{"id":83},"how-to-work-out-the-real-cost","How to work out the real cost",[11,86,87],{},"The percentage is not the whole picture. Add to it:",[55,89,90,93,96,99],{},[22,91,92],{},"onboarding and integration charges, if any;",[22,94,95],{},"the cost of fiscalisation, if you need 54-FZ receipts;",[22,97,98],{},"the cost of refunds and dispute handling;",[22,100,101],{},"developer time for the integration.",[11,103,104],{},"Comparing providers makes sense across the sum of these, not on the headline rate alone.",[11,106,107,108,113,114,118],{},"At MulenPay Russian cards, SBP and Pay services start at 2.9%, foreign cards at 8.9%, and onboarding and integration are free. Full terms are on the ",[109,110,112],"a",{"href":111},"\u002Ftarify","pricing page","; a deeper breakdown is in the article on ",[109,115,117],{"href":116},"\u002Farticles\u002Finternet-acquiring-fees-and-tariffs","fees and the real cost of accepting payments",".",{"title":120,"searchDepth":121,"depth":121,"links":122},"",2,[123,124,125],{"id":16,"depth":121,"text":17},{"id":52,"depth":121,"text":53},{"id":83,"depth":121,"text":84},"fees","The fee for accepting payments is not one number but the sum of each participant's share. Who takes what, and why rates are always quoted as \"starting from\".","md",{},null,true,"question-13","\u002Fen\u002Fquestions\u002Fwhat-makes-up-the-acquiring-fee","2026-08-11","What makes up the fee for accepting payments?",{"description":127},"What makes up the acquiring fee",{"loc":133},"what-makes-up-the-acquiring-fee","en\u002Fquestions\u002Fwhat-makes-up-the-acquiring-fee","iz-chego-skladyvaetsya-komissiya-za-ekvayring","EfPO5uMyn8aaPMYdJKveG4yAv0BHOry9CDuQnz8w3sg"]