Russian payment service provider Yandex.Checkout

Going to sell your product in Russia? A common mistake is to launch Russian version of website with payment services that are only popular in Western Europe or the US, for example, only PayPal or VISA/MasterCard.

Russia has its own payment instruments, so every e-commerce website or online service needs to know them before entering this market.

Despite the fact that many users of Russian online stores still prefer to pay cash when receiving a package, the popularity of online payment is constantly growing. And in addition to debit or credit cards and online banking, the so-called e-wallets are becoming more important nowadays.

In this guide I described popular payment methods in Russia and how to integrate your website with one of the most trustworthy Russian payment service provider — Yandex.Checkout.


  1. Popular payment methods in Russia
  2. Yandex.Checkout
    1. Fees
    2. How does the payment process look like?
    3. Additional options for accepting payments
    4. Signing up to Yandex.Checkout
    5. Integration of your website and Yandex.Checkout

Popular payment methods in Russia

Chart below shows a comparison of e-wallets, online banking and bank cards usage on desktop and mobile:

Popular payment methods in Russia

And this chart shows the popularity of online payment services in Russia:

Online payment services popular in Russia

As you can see, in addition to bank cards and online banking, Russians are very familiar with electronic payment systems, such as Sberbank Online, Yandex.Money, Webmoney and QIWI Wallet.

Good news:  you don’t need to integrate each of them separately!  In Runet there are many providers (PSP) that aggregate all popular payment services. I’d just mention the most popular:

  1. PayAnyWay
  2. RBK Money
  3. Wallet One
  4. PayMaster
  5. Yandex.Checkout
  6. Assist
  7. Robokassa
  8. PayOnline
  9. Platron
  10. Uniteller

In this guide I would like to describe one of them — Yandex.Checkout, only because I have positive experience with it. But even if you don’t trust my experience, you should know that Yandex.Checkout is used by such companies as AliExpress, Wargaming and over 90,000 e-commerce and online services in Russia, China, USA and Europe, that are interested in Russian customers.


Yandex.Checkout is a universal payment tool for online stores, services, and charities. You can use the payment solution to receive one-time or recurring payments (with automatic debiting). Nowadays Yandex.Checkout is one of the most popular payment service providers in Russia.

If your company is a non-Russian resident, the following payment methods are available for your website:

  • Bank cards — Visa (including Electron), MasterCard, Maestro, and Mir.
  • Yandex.Money — 25 millions of users of e-wallets.
  • QIWI Wallet — on QIWI’s website and via QIWI Wallet app.
  • Cash — at payment kiosks, ATMs, and mobile retail outlets.
  • Payments via online banking — via Alfa-Click, Promsvyazbank online banking, Sberbank Online, ERIP (Belarus).

Please note: by default,  Yandex accepts bank card issued in Russia & CIS . Bank cards issued in the USA or Australia cannot be accepted at any case. If you want to accept payments from cards issued on other countries, write about it at


Now, let’s take a look at the fees offered by Yandex. The table below shows fees for e-commerce website and online services with a monthly turnover less than 1M rubles. If your turnover is higher, your fees will be even less.

How does the payment process look like?

When a customer wants to buy your product, he clicks on “Buy now” button, as usual. The step where a customer should choose a particular payment method can be placed either on your website, like this:

or you can redirect your customer to Yandex.Checkout page (then you only need to place a button on your website). It look like this:

Additional options for accepting payments

Depending on your type of business, Yandex offers several solutions to obtain payment from your users.

  1. Recurring payments
    Option allows you to get the required sum in a specified period of time without client involvement. Documentation.
  2. Linking a bank card
    Regular customers will be able to pay without entering card data. Documentation.
  3. Pre-authorised, or deferred payment
    Option allows you to charge on command from the store. If the order is cancelled or product is out of stock, money can be easily returned to the customer. Fee for the refund will not be charged. Documentation.
  4. Invoicing
    Invoicing in chat allows you to invoice your customers during the dialogue: in live chat on your website, in social networks or messengers. So far it works only with JivoSite.
    Invoicing by email allows you to send the invoice directly from your personal account. You can get the payments even without a website.
  5. Payment by QR code
    This script allows you to generate a QR code which customer can use to pay for a product. QR codes can be placed anywhere: on your website, receipts for payment, or packaging. For payment you can use any smartphone with the installed Yandex.Money app.

Signing up to Yandex.Checkout

First step is to send a request. After you send your request you will get a file with form about your company. You should fill it out and send to Yandex manager by e-mail.

Next, you will need to identify yourself. Your personal Yandex manager will help to choose the most convenient method — using a Yandex parter agency from your country or region, or you can do it yourself by translating your company’s registration documents into Russian and sending them to Yandex office. Be prepared, that this process may last up to a few weeks.

Integration with Yandex.Checkout

There are few ways to connect your online store with Yandex.Checkout.

First, you can use modules for your CMS. Check out the complete list here:

Second, you can install a simple code on your website and make payments without any integrations — you’ll just get payment confirmation on your email. When you fill out a request, ask your manager to send you this code. It is the simplest way to start using Yandex.Checkout.

Third, and most complex method, is full integration with your website. With this method you can use all additional solutions: recurring or pre-authorised payments, linking a bank card. Here you will find full instructions for your developers.

 Need help with Yandex.Checkout? Let me know in a comment or send me an email: 


  • Sergey Shushunov
    20.04.2017 at 10:59

    I have a US based store that sells predominantly in the RF. What steps should I take to offer yandex pay?
    I have non-merchant yandex account with yandex wallet. Should I also open a merchant account?

    Thank you

    • Konstantin Kanin
      01.05.2017 at 18:08

      Hello Sergey,
      Yes, for ecommerce website it’s better to have a merchant account. It will allow you to send invoices to Russian customers and have more payment methods, for example bank cards, bank transfers, Yandex.Money, Webmoney etc.
      Write me if you need help with Yandex.Checkout:

  • Geiu
    28.03.2018 at 23:54

    Hi! I am bit stuck in situation I am based in Australia and I need to pay the invoice in Russia they offer me to pay by credit card thru paymaster or yandex money. I am not sure which would be the best way to do it as I know if i do it thru credit card I will be charged 2% from my bank in Australia but I cant seem to find out how much would Paymaster charge neither I cant understand the process of Yandex and what are the fees involved and how the process works. I thought maybe you are able to give me some advice please. Kind regards,

  • fernando silva
    22.05.2018 at 02:00

    ok eu sou portugues e estou tendo problemas em me registrar no yandex money.
    não consigo por meu numero de telefone porque tenh de por o indicativo de portugal que é o 351 e depois mais 9 numeros de telefone.
    me aajude então por favor. obrigado

  • Michael Lenk
    10.10.2018 at 13:24

    Hi Konstantin,

    willing to sell digital products online in Russia we are checking which payment methods are the most favorite/popular ones used by Russian consumers shopping online. Could You please send a recommendation / share your insights.
    Regards Michael

  • Ehsan Kh
    01.01.2019 at 08:00

    A quick question, can Iranian citizens have a payment gateway with Yandex company? Say running a Woocommerce store for selling E-Books. Appreciate any suggestions.

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