The seller shows
A QR code on screen or in print, or a payment link in a messenger, an email or a post.
Faster Payments System
Accepting payments through SBP | MULENPAY
The buyer pays from their own banking app by QR code or link, without entering a card number. The rate matches Russian cards — from 2.9% per payment.
How it works
How a payment goes through
Four steps, and nothing for the buyer to type in between them
The buyer opens it
They scan the code with the camera or follow the link, and their banking app launches.
And confirms
The payee and the amount are already filled in; all that is left is to confirm inside the app.
The money moves
The transfer goes straight from the buyer's account to the seller's. Card details play no part at all.
How it differs from a card
SBP and cards are different mechanisms
The difference is not cosmetic: a different party, a different confirmation, a different refund path
What is involved
A card payment uses card details. SBP uses a bank account: the number, expiry and security code are never entered or transmitted.
How it is confirmed
A card goes through 3-D Secure. SBP is confirmed by signing into the buyer's banking app.
How a refund works
A card refund goes through the card scheme; an SBP refund is a transfer back. The path differs, and your refund procedure should account for it.
What the buyer does
One confirmation instead of typing a long number. Fewer steps, fewer reasons to abandon the payment.
Terms
What it costs and what the limits are
The full rate table and the fee calculator are on the pricing page
From 2.9%
The same as Russian cards and Pay services. There is no separate tariff for SBP.
From 10 ₽ to 300,000 ₽
Single-transaction limits are the same as for the other payment methods.
Onboarding is free
No setup fee and nothing monthly: the commission applies only to payments taken.
Where it fits
When SBP beats a card
Paying from a phone
Wherever typing card details on a small screen is awkward.
Physical points of sale
Cafés, delivery, selling on site: the QR code is printed or shown on a screen.
Social media and messengers
Selling where there is no proper cart — a payment link is enough.
Micropayments and donations
Cases where speed matters more than the habit of paying by card.
Worth knowing
SBP does not replace cards
Some buyers are used to paying by card, and some banks may not support the flow you need. The working arrangement is to keep both methods in one payment form and not make the customer choose up front. Think about refunds separately: an SBP refund is a transfer back rather than a card scheme operation, so your refund procedure will differ.
Questions and answers
Frequently asked
From 2.9% per payment — the same as Russian cards and Pay services. There is no separate tariff for SBP. The 2.9% is a starting rate: the final one depends on turnover and line of business and is fixed in the contract.
No terminal is needed: the buyer pays from their own banking app, and the seller only has to show a QR code or send a link. A fiscal receipt is a separate matter — where one is required by law, it is issued by a cloud cash register.
As a transfer back to the buyer's account, rather than through the card scheme as with a card. The mechanics differ, so if you have a written refund procedure, it is worth checking it separately for SBP.
No. Some buyers pay by card out of habit, and some banks may not support the flow you need. Keep both methods in one payment form and do not make the customer choose before paying.
There is no card number, expiry or security code to type. They scan a code or open a link, see the payee and amount already filled in, and confirm inside their app. Fewer steps mean fewer abandoned payments.
Related
Related pages
Pricing and the fee calculator
Russian cards, SBP and Pay services share one rate, from 2.9% per payment.
QR code and link payments
The tool most often used to take SBP: creating a link or code without integration.
What SBP is and how it differs from a card
A short breakdown with a comparison table on speed, fees and refunds.
Fiscal receipts and the law
When a receipt is mandatory and how a cloud cash register issues it.
Set up SBP?
Send a request — a manager will pick a plan and help with the integration.
Phone
+1 (767) 555-0147
International number
Telegram bot
@mulen_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.
