Comparison 2026
Twelve providers in one table: card and SBP rates, monthly fee, setup time, integration options and fiscal receipts. Every value is taken from the provider's official page, with a source link and the date it was checked. Whatever the page does not say is marked "not stated" rather than guessed.
Table
Checked on 30 Oct 2026 against official sites. Terms change — confirm with the provider.
| Provider | Cards | SBP | Monthly fee and setup | Setup time | API | Widget | CMS modules | 54-FZ receipts | Source |
|---|---|---|---|---|---|---|---|---|---|
| MulenPay Note: PCI DSS 4.0.1 certified. The final rate depends on turnover and line of business and is fixed in the contract. | from 2.9% (Russian cards, Pay services); foreign cards from 8.9% | from 2.9% | no monthly fee, free setup | 1 day | REST API | yes | modules for 14 CMS | 54-FZ receipts via a cloud cash register | MulenPay pricingChecked 30/10/2026 |
| ЮKassa Note: Above 5 million rubles a month the terms are individual. The monthly fee is from the Q&A page yookassa.ru/questions/q131/, the setup time from the yookassa.ru home page. | 2.8% + 1% per receipt — a new-client offer tied to "Receipts by YooKassa" (until 1 Dec 2026, VAT excluded); the base rate is not stated on the page | "calculated individually" | no monthly fee; setup fee not stated | from 1 day | yes | yes | yes, CMS list not given on the page | "Receipts by YooKassa" | Provider pageChecked 30/10/2026 |
| Robokassa Note: The plan depends on monthly turnover; self-employed sellers have separate plans (cards 3.4%, SBP 3.0%). | 3.9% on the "Starter" plan (from 0 rubles turnover) down to 2.9% on "VIP" (from 7 million rubles a month); foreign cards 9.9% | 2.7% ("Starter") down to 1.8% ("VIP") | setup 0 rubles; monthly fee not stated | 1 day | developer documentation | yes | "over 130 ready-made modules" | "Robochecks", receipt delivery included in the plan | Provider pageChecked 30/10/2026 |
| CloudPayments | on request: the pricing page picks a rate by industry and turnover, "the actual rate is set individually" | on request | not stated | from 1 day | yes | yes | ready-made CMS and CRM modules | 54-FZ receipts (CloudKassir) | Provider pageChecked 30/10/2026 |
| PayKeeper Note: The SBP rate is from paykeeper.ru/products/sbp/. Acquiring runs through a partner bank; details come after an application. | "from 0.55% to 1.95%", the conditions behind the rate are not disclosed on the page | from 0.4% to 0.7% depending on the line of business | the platform is licensed, the licence price is not published | not stated | JSON API | yes | yes | 54-FZ receipts via "PayKeeper Kassa", priced separately | Provider pageChecked 30/10/2026 |
| Prodamus Note: Moving to a lower rate is not automatic — it takes a support request. Grace period: 3 months without the setup fee until turnover reaches 100,000 rubles. | 3.8% base, lowered by turnover: 3.5% from 500,000 rubles, 3.3% from 700,000, 3.1% from 1 million, 2.9% from 4 million rubles a month; foreign cards 10%, at least 100 rubles | no separate rate, follows the same scale as Russian cards | setup 10,000 rubles for sole traders and companies, free for the self-employed; monthly fee not stated | from 1 day | not stated | yes | integrations with Tilda, Taplink, Creatium | 54-FZ receipts, cloud cash register | Provider pageChecked 30/10/2026 |
| Mandarin Note: For high-turnover companies the terms are set individually. The module list is from the mandarin.io home page. | "from 1.4%" for cards and SBP, conditions not disclosed; 3.8% for the self-employed | within the overall "from 1.4%"; "from 1%" for preferential categories | the online cash register is "without setup or monthly fees"; the acquiring fee is not stated | not stated | yes | yes | WordPress, Drupal, CS-Cart, Tilda, Bitrix24 | free online cash register | Provider pageChecked 30/10/2026 |
| Т-Банк Note: Funds arrive the next day. Methods: cards, Pay services, Dolyami, digital rubles, SBP. | 0.99% new-client offer: account opened by 15 Nov 2026, turnover up to 1,000,000 rubles a month; base rate not stated on the page; 22% VAT on top | not stated (SBP is listed as a method; no VAT on SBP) | setup 0 rubles; monthly fee not stated | from 1 day | yes (API documentation) | yes (payment widgets) | CMS modules, list on a separate page | "T-Business receipts" without a cash register; CloudKassir cloud register rented from 1,800 rubles a month | Provider pageChecked 30/10/2026 |
| Сбер Note: The page covers both POS and online acquiring; the rate calculator works by industry and terminal turnover. | Sber's online acquiring is provided through YooKassa (row above); the "from 0.3%" on Sber's page is POS acquiring for the first 3 months with a Sber business account, VAT excluded | by QR code — not stated on the page | monthly payment from 30 rubles + 22% VAT (calculator, POS acquiring) | not stated | "we will help connect the API" for social, store and messenger payments | not stated | not stated | cash register rental; new-client offer: 50% off the fiscal drive until 31 Dec 2026 | Provider pageChecked 30/10/2026 |
| Модульбанк Note: Instant settlement +0.2%. Up to 30 sites per contract. Instalments for customers via partners. | from 1.89% (the on-page table shows "cloud payment" from 1.3%); regardless of turnover | by QR code 0.4% or 0.7%, regardless of turnover | no monthly fee; free setup | site review within 1 business day | SDK for mobile apps | not stated | ready CMS integrations, list linked from the page | cloud cash register (Modulkassa) | Provider pageChecked 30/10/2026 |
| Точка Note: Maximum transaction 1,000,000 rubles. SBP funds arrive in 15 seconds, card funds the next day. | from 1.5% for card payments; depends on industry and turnover | 0.4% or 0.7% by activity (government payments 0%, utilities 0.2%); offer: 0% for 3 months up to 300,000 rubles a month if the account is opened by 12 Nov 2026 | free setup; "Receipts" service from 1% but at least 5 rubles per operation; cloud cash register from 1,500 rubles a month | from 1 business day | OpenAPI | not stated | payment module; Tilda and WordPress are named on the page | "Receipts" service or a cloud cash register | Provider pageChecked 30/10/2026 |
Rates are shown as the provider publishes them: where the site says "from", the table says "from". VAT, where the provider adds it on top, is not included.
How to compare
The headline percentage is only the first line of the calculation. The rest shows up in the contract and in the first month of operation.
Almost every rate is published with a "from". Find out at what turnover and in which line of business it applies, what you get at the start and when it is reviewed: some plans drop automatically at month end, others only on request.
Setup fee, monthly fee, the cost of receipts, a minimum fee per payment, a refund fee, VAT on top. Each looks minor on its own, but together they easily add a percentage point to the advertised rate.
How often the money reaches your account, whether there is a delay at the start, whether a reserve is held against refunds and disputes. For a thin-margin business, cash turnover matters more than a tenth of a percent.
If 54-FZ requires receipts, cost them separately: some providers include them in the rate, some charge a percentage on top, some need your own cash register with rent and a fiscal drive.
A ready module for your CMS saves days of developer time, a widget avoids sending the buyer to another page, and a clear API decides how easy it will be to change the payment logic later.
Which documents are needed to connect, whether developers get technical support during integration, how fast disputed payments are answered. None of it fits in a table, but all of it shows in the first week.
Who needs what
The same provider can suit a store and frustrate a seller in a messenger. Compare for your own scenario.
The main criterion is a ready module for your platform and receipts that go out by themselves on payment and refund. Check whether the module supports partial refunds and order statuses, or you will finish the job by hand.
Here the API decides: documentation, a test environment, payment status notifications, refunds and recurring charges in one protocol. A widget helps you launch fast and refine the form later.
You need payment links and QR codes created without a developer, and SBP as the main method: the buyer pays from their banking app without typing card details on a phone.
Check whether the provider accepts your status at all, which documents it asks for and whether there is a setup fee: some services have separate plans for the self-employed, others charge an entry fee.
Disclaimer
Nearly every figure in the table is a lower bound. The final terms at any provider, MulenPay included, depend on turnover, line of business, refund share and integration method, and are fixed in the contract, not on the site. Some rates are promotions with an end date, some are published without the VAT that is added on top. So the table answers "where to start the conversation", not "how much I will pay". Before connecting, ask the provider for a calculation on your turnover and compare the monthly total, not the headline percentages.
Questions and answers
Read next
MulenPay rates by payment method and a calculator: what is left from a payment at your turnover.
How accepting payments on a site works: payment methods, refunds, payouts, setup in one day.
Card and SBP payment right on your page, with no redirect to another site.
Ready modules for 7 CMSs, guides for 14 platforms and a table of where the payment method appears by itself and where a developer adds the button.
Leave a request — a manager will calculate the rate for your turnover and industry and suggest the fastest integration path.
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