For accepting payments on a website from private customers in Russia, you connect card payments and SBP (the Bank of Russia’s Faster Payments System) through an acquiring provider with an online cash register, so the fiscal receipt goes to the buyer’s email or phone automatically, as 54-FZ (the Russian law on cash receipts) requires. Companies are easier to bill with an invoice carrying a QR code that fills in the payment details in their banking app. The “Pay” button is only half the job, though: after payment, the order or deal should mark itself as paid and the money should land in your accounts.
Which payment methods your website needs
It depends on who pays and for what. A shop selling to people needs payment right on the order page. A company working with organisations under contract needs invoices, because the client’s accountant pays from a business bank account. If the website sells a consultation or another one-off service, it is simplest to take payment at booking, so the calendar does not fill with empty reservations.
| Method | Who pays | What the company gets | Receipt |
|---|---|---|---|
| Card on the website | Private customer | Money through acquiring and a payment notification | Electronic, to the buyer’s email or phone |
| SBP on the website | Private customer | Money through the bank, paid by QR code, button or link | Electronic, as with a card |
| Invoice with a QR code | Company or sole trader | A payment in the bank statement | Depends on who pays and how |
| Paid consultation | Private client | Money and a new lead | Electronic, to email or phone |
Card and fast bank transfer payments with a receipt
Card payments require acquiring: a bank or payment service shows the payment form and tells the website the result. SBP is usually connected through the same provider.
According to the Bank of Russia, a purchase through SBP can be paid by QR code, button, link or a pre-linked account. The buyer pays no commission for SBP, and the fee the business pays its bank depends on the type of activity and generally does not exceed 0.7%, capped at 1.5 thousand roubles per transaction. Worth knowing when you compare costs: on a small order the difference from cards is small, on a large one it shows.
The receipt is mandatory. Article 1.2 of 54-FZ says that for cashless payments over the internet the seller must send the buyer an electronic receipt to the phone number or email the buyer gave before paying. So the email or phone field in the payment form is there for the receipt, not for newsletters. The online register is connected either through the acquiring provider or separately.
This is how the shop of the Derzhis Menya workshop works. The customer picks a model, enters the dog’s measurements, chooses delivery and pays by card or fast bank transfer. The fiscal receipt is sent automatically and matches the order to the kopeck. It matches because prices and discounts are calculated by the accounting system and the shop only displays them: the cart, the receipt, the order and the report take their figures from one place. If the discount is calculated in one place and the receipt built in another, a difference of a few roubles shows up sooner or later and has to be sorted out by hand.
Invoices with a QR code for companies
Organisations rarely pay by card. They need an invoice, and the accountant’s life is easier when the payment order does not have to be typed letter by letter. So the invoice carries a QR code with the payment details.
In the GORONO system an invoice covers the whole contract or one stage and carries a payment QR code: the client points the banking app camera at it and the payment details fill in by themselves. Contract, invoices and acts go to the client in one email straight from the deal card. The invoice amount comes from the services in the deal, so it matches the contract.
Money paid against such an invoice arrives in the bank account, and the website knows nothing about it. That is why the second half is a link to the bank.
What should happen after payment
This is where time usually gets lost. The payment went through, and the manager learns about it from the client calling to ask when work will start. To avoid that, the system does a few things on its own after payment.
Mark the order or deal as paid. Payment services notify the website when a payment’s status changes. In the YooKassa documentation, for example, the event is called payment.succeeded, and the website does not need to keep asking whether the payment has gone through. On that notification the order is marked as paid.
Keep unpaid work from starting. In the Derzhis Menya accounting system an order has three tracks: money, production and delivery. When someone tries to start an unpaid order, the system asks “Has the money been received?”. The owner’s main board has six tiles from “awaiting payment” to “in transit”, so stuck orders are visible at once.
Show the payment to the customer. In the Derzhis Menya account the customer sees payment, production and delivery of their order and does not have to message the shop to ask whether the money arrived.
Match the bank statement to a deal. For invoice payments at GORONO the bank statement is pulled in every hour. A payment finds the client by the payer’s tax number (INN) and links itself to the deal when there is only one option. Ambiguous payments go to a “review manually” list instead of being guessed. The director gets a Telegram message about every incoming payment.
Count the money. Once a payment is linked to an order or deal, profit can be calculated from it. At Derzhis Menya order profit is revenue minus materials, channel commission, tax and delivery, and the “Channels” screen shows that on the workshop’s own website only card processing is paid. At GORONO profit and simplified-regime tax are calculated from actual cash movement.
Paid consultations on the website
A separate case is when the website sells not a product but a first meeting with a specialist. The GORONO website takes payment for consultations with a fiscal receipt under 54-FZ. The payment finds the client by phone number, opens a deal and notifies the director. A lead from a paid consultation goes straight into a deal with the right service, just like leads from the website and the bot.
So the person who paid is already in the CRM with the right service. The manager does not have to copy them over from email or from the payment service’s dashboard. If the client later orders the main service, the whole consultation history stays on the same card.
How to approach the setup
The order we usually go through with a client:
- Work out who pays. Private customers - card and SBP on the website. Organisations - an invoice with a QR code. Often you need both.
- Choose the acquiring and cash register provider. It is convenient when one provider handles cards, SBP and receipts, but the register can be connected separately.
- Decide where prices are calculated. The amount in the cart, on the receipt and in the accounts must come from one place.
- Describe what changes after payment. Which status the order gets, who gets a message, what the buyer sees, where the payment goes in the accounts.
- Connect the bank if you take invoice payments. Without the statement in the system, invoice payments have to be marked by hand.
The fifth step is often postponed, and then the accountant spends half a day matching receipts to deals. That is how it was at GORONO before the statement was linked to the deals.
Frequently asked questions
Do I need an online cash register to accept payments on a website in Russia?
Yes. Under Article 1.2 of 54-FZ, the Russian law on cash receipts, a seller taking cashless payments over the internet must send the buyer an electronic receipt to the phone or email given before payment. The register is connected through the acquiring provider or separately.
How is SBP different from card payment?
With SBP, the Bank of Russia’s Faster Payments System, the buyer pays from their own banking app by QR code, button or link and pays no commission. According to the Bank of Russia, the business fee generally does not exceed 0.7% and is capped at 1.5 thousand roubles per transaction.
Can companies pay through the website?
Companies usually pay an invoice from their business account. An invoice with a QR code is convenient: the accountant points the banking app camera at it and the details fill in by themselves. To have the payment mark itself in the deal, the system is linked to the bank statement.
How do payments show up in the CRM automatically?
The payment service sends the website a notification about a completed payment, and the order or deal is marked as paid. For invoice payments the bank statement is pulled in regularly and the deal is found by the payer’s tax number.
Who this fits
Shops and workshops selling to people through their own website who want to see what each order actually earns. Companies working with organisations under contract and invoicing by stage. Services where everything starts with a paid consultation. If your task looks similar, describe it in the form below, and see more examples in our directions.
