Operational Infrastructure Functions
Focus on Efficiency and Resource Liberation
Paysto is a shared operational infrastructure that offers any business a complete alternative to opening a subsidiary in Russia. We handle all routine operations, legal compliance (54-FZ, 152-FZ), and technical integration. You gain immediate and legal access to payment acceptance, order processing, and document flow, significantly reducing CAPEX and allowing your team to focus on sales growth and product development.
Payment Acceptance and Processing
Flexible Payment Options (Full, Advance, Post-payment)
Paysto offers a flexible approach to settlements, supporting all major schemes: full settlement, advance payment, partial payment, and post-payment. This allows businesses to operate under any financial model (retail, subscription, services, B2B) and comply with Russian Federation legislation. More about payment methods.
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Full Settlement (100% Prepayment)
The most common option, where the client pays the full cost of the goods or services in one go before receiving them. Ideal for retail sales, digital goods, and services with immediate access. Ensures fast fund receipt and minimal risk for the seller.
Advance Payment (Prepayment)
The client pays a certain part of the cost (e.g., 30-50%) before the start of work or delivery. The remaining amount is paid later. It allows securing the order and receiving funds to start production/procurement. Requires the issuance of two fiscal receipts according to 54-FZ: one for the advance and one for the offset of the advance.
Post-payment (Settlement upon transfer)
Payment is made after the actual provision of the service or receipt of the goods by the client (e.g., to the courier, upon self-pickup). Paysto allows fixing the payment fact in the system after receiving confirmation. This option is popular for online orders with physical delivery and some B2B services.
Partial Payment (Credit/Installment)
The payment for goods or services is split into several payments according to a schedule. This can be either an internal installment plan from the seller, or integration with bank credit services. It increases conversion and the accessibility of expensive goods by spreading the financial burden on the buyer.
Payment Acceptance (Cards, SBP, Banking Apps)
By connecting to the Paysto infrastructure, you gain access to the full range of officially permitted and popular payment methods in the Russian market, which is critical for maximum conversion and customer base coverage.
For individuals (B2C), available methods include: bank card payments (MIR, Visa, MasterCard, UnionPay, JCB), payment via the Faster Payment System (SBP/SBP), bank transfer, and popular banking applications and services (SberPay, T-Pay, and others, including QR codes).
For legal entities (B2B), the main method remains bank transfer based on an invoice, supplemented by the option to use the Faster Payment System (SBP) to expedite settlements between companies.
Paysto is a constantly evolving platform. The list of available payment methods is continuously updated: new solutions are added, and unavailable or outdated methods are promptly disabled.
Dynamics of Paysto Payment Infrastructure Development
Current Payment Methods
| Name | Max Amount, ₽ | Year Connected | Status |
|---|---|---|---|
| MIR Bank Cards | 300 000 | 2016 | Current |
| Visa/MasterCard Bank Cards | 300 000 | 2010 | limited |
| SberPay (SberPey) | 300 000 | 2020 | Current |
| Faster Payment System (SBP/SBP) | 1 000 000 | 2019 | Current |
| T-Pay (Tinkoff Pey) | 300 000 | 2022 | Current |
| WebMoney | 60 000 | 2011 | limited |
| YooMoney | 250 000 | 2020 | limited |
| MTS Pay | 300 000 | 2024 | Current |
Disabled Payment Methods
| Name | Max Amount, ₽ | Year Connected | Year Disabled |
|---|---|---|---|
| ALFACLiCK | 15 000 | 2011 | 2015 |
| Beeline | 5 000 | 2014 | 2016 |
| Contact-Sys | 15 000 | 2012 | 2019 |
| Euroset | 15 000 | 2013 | 2018 |
| INPLAT | 15 000 | 2013 | 2016 |
| IntellectMoney | 15 000 | 2013 | 2017 |
| Liberty Reserve | 1 000 $ | 2012 | 2013 |
| LiqPay | 15 000 | 2012 | 2015 |
| MobiMoney | 5 000 | 2014 | 2016 |
| MTS | 5 000 | 2014 | 2016 |
| MoneyMail | 15 000 | 2009 | 2011 |
| Megafon | 5 000 | 2014 | 2016 |
| QIWI | 15 000 | 2011 | 2024 |
| RBK Money | 15 000 | 2009 | 2021 |
| RURU | 15 000 | 2015 | 2019 |
| Svyaznoy (Svyaznoy) | 15 000 | 2013 | 2015 |
| Tele2 | 5 000 | 2014 | 2016 |
| Unistream | 15 000 | 2014 | 2023 |
| W1 (Unified Wallet) | 15 000 | 2010 | 2018 |
| Yandex.Money | 250 000 | 2009 | 2020 |
Multi-channel Order and Status Processing
The Paysto infrastructure is a multi-channel platform for comprehensive order processing, ensuring maximum operational efficiency. Orders can arrive through three key pathways:
- Via External Resources: Using our API interface and Personal Account functionality, you can integrate and transmit requests from your external web resources (websites, mobile applications, online stores).
- Via Built-in Marketplace: When placing goods on our internal platform, orders automatically enter the system. For convenience, you can set up separate access (login/password) to the seller's account on the marketplace for dedicated personnel, without granting them access to the main Paysto account.
- Direct Creation in Personal Account: The ability to manually create deals for individual or specific orders. This includes the functions "Invoicing", "Payment under Contract", and generating "Payment Links", which the buyer can follow directly to the payment page, for example, from a chat or message.
An internal entity, "Order," is formed for each request. The system allows instantaneous management of the full transaction cycle using statuses: New, Waiting for Payment, Paid, In Process, and Completed. Every status change automatically initiates a buyer notification via email and updates the information in their account, which is critically important for minimizing disputes, accelerating settlements, and ensuring accurate financial reporting.
Claims Handling (Dispute Moderation)
A key function for risk management. When a dispute is created, every claim undergoes mandatory moderation by our Paysto Security Service. This filter is critical for protecting the financial flows of suppliers and the integrity of the platform, preventing fraudulent and unjustified requests before granting access to the dispute participants.
Financial Compliance and Document Flow
Fiscalization (54-FZ) and Zero CAPEX on POS Equipment
Compliance with 54-FZ (2017) is implemented through the "Operator's POS" model. Paysto automatically fiscalizes all sales, sending receipts to the Federal Tax Service (FTS) in its own name. Key Effect: You do not need to purchase POS/FN equipment. This means Zero CAPEX on equipment and complete removal of the operational burden of 54-FZ.
Detailed Advantages: Fiscalization Scheme and Benefits for the Seller
| Aspect | Paysto Function Description | Advantage for the Seller |
|---|---|---|
| Receipt Generation | The Paysto infrastructure automatically and in real-time generates all necessary fiscal receipts for every sale to an individual. | Automation: Elimination of operational error and manual labor. |
| Fiscal Data Storage (FN) | The Fiscal Data Storage (FN) is owned and maintained by the Paysto Infrastructure Operator. | Zero CAPEX: The seller does not need to acquire, register, or maintain their own POS equipment and FN. |
| Receipt Sender | All receipts are generated and sent to the tax authorities (FTS) in the name of the Paysto Infrastructure Operator. | Reduced Legal Risk: Direct obligations for fiscalization lie with the operator. |
| Compliance | Continuous monitoring and updating of the service to comply with all current and future changes in 54-FZ. | Guaranteed Compliance: Ensuring 100% regulatory compliance without spending internal resources. |
Automated Document Flow (Invoices, Acts, Waybills)
Paysto handles all the routine of legal and accounting compliance. This is a key element of the shared infrastructure, ensuring your protection and transparency with regulatory bodies.
We automatically generate a full set of primary documents for every transaction: invoice-for-payment, contract, waybills (for goods) or acts (for services), and tax invoices (for VAT payers).
All documents are available electronically in the Personal Account and serve as reliable confirmation of fund origin during bank checks and as the basis for your accounting records. This guarantees 100% compliance with legislative requirements and frees your team from paperwork.
Additionally, upon request: You can order the dispatch of original documents in hard copy (by mail or courier service) or set up document exchange through any electronic document management system (EDO).
Working with Payer Categories (B2C, B2B, B2G, Non-Residents)
Paysto unlocks limitless opportunities for scaling your business by providing tools for sales of goods and services to all categories of buyers. Thanks to our infrastructure, you can easily work with individuals, sole proprietors, legal entities, government companies, and foreign non-residents of the Russian Federation.
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Individuals (B2C)
We ensure simple and fast payment acceptance from private individuals, using optimized payment pages. High conversion rates and the legalization of every transaction are guaranteed in compliance with 54-FZ (online POS) and personal data protection standards. You focus on the product, we focus on seamless sales.
Legal Entities and Sole Proprietors (B2B)
Paysto automates the process of working with corporate clients. The platform independently generates invoices, acts, and other closing accounting documents required for legal entities and sole proprietors. This significantly reduces the workload on your financial and operational departments, accelerating the transaction cycle.
Government Companies (B2G)
Working with government companies requires strict adherence to rules and document flow. Paysto ensures complete transparency and compliance with all regulatory requirements during transactions. You receive a ready-made solution for legal sales to the government sector with the correct documentation.
Foreign Companies and Non-Residents of the Russian Federation (International Sales)
Paysto enables the acceptance of payments from non-residents of the Russian Federation. We handle currency control and compliance with Russian foreign economic activity legislation. Your sales are not limited to the Russian market: you gain the ability to safely and legally expand your customer base abroad.
Invoicing (Via Personal Account) limited
The Invoicing function allows the supplier (merchant) to quickly create deals and orders directly in the Personal Account. The user only needs to enter basic data, after which the system automatically generates a complete set of transaction documents and a unique payment link that can be immediately sent to the buyer, ensuring simplicity and speed in starting settlements.
Payment under Contract (B2B transactions and Deal Closure) limited
The Payment under Contract function is designed for the secure and legally flawless execution of large B2B transactions. By integrating the Invoicing and Document Flow services, Paysto automates the entire cycle: from preparing and generating the contract required for legal entities, to controlling the fact of payment and the subsequent correct closure of the deal. This reduces financial and legal risks, guarantees proper documentation of a major transaction, and ensures fast and accurate revenue accounting in accordance with accounting requirements.
Payment Link (Reusable Order Template) limited
This function allows the user to quickly create an order template with a predefined set of goods/services, cost, and quantity. Upon saving, a permanent, non-expiring link is automatically generated, which can be used multiple times in chats, Telegram bots, emails, or CRM systems. This solution significantly simplifies sales without API integration and provides instant access to the payment page for the buyer.
Payouts and Capital Management
Reimbursement (Payout) to Accounts of Legal Entities/Individuals/Self-Employed
A key function for transferring revenue from Paysto to the accounts of merchants and suppliers. The system ensures fast withdrawal of funds and offers flexible choice: from official bank transfer (for legal entities/sole proprietors) to instant card or SBP crediting (for individuals), meeting all business needs.
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Legal Entities and Sole Proprietors
Revenue reimbursement is transferred to the current account of the organization or sole proprietor (IE). This form guarantees complete transparency and compliance with RF financial legislation. The primary method is bank transfer (transfer to a current account), which is the basis for official accounting records.
Individuals (Self-Employed/Agents)
Ensures the transfer of earned funds directly to individuals. This is relevant for payouts to the self-employed, affiliated partners, or under agency agreements. The most convenient and fastest channels are used: transfers to cards or via SBP, minimizing delays.
Payout Methods
Bank Transfer (Transfer to current account)
The standard method for revenue reimbursement. Funds are sent to the current account. Reliable for large amounts and necessary for official financial document flow. The transfer follows bank regulations and is used as the main channel for withdrawing funds for legal entities/sole proprietors.
Transfer to Bank Card
Allows the merchant to receive reimbursement directly to a card (Visa, MIR, etc.). Characterized by high speed (often instant) and convenience. Ideal for operational replenishment of working capital and payouts to individuals, bypassing standard bank procedures.
Transfer via SBP
The fastest method: reimbursement is credited instantly 24/7 via phone number to an account at any bank connected to the SBP. It reduces transactional costs and completely eliminates delays, which is critically important for urgent payouts or ensuring high merchant liquidity.
Mass Payout (Mass Payout API) limited
The Mass Payout function is a key tool for optimizing financial operations. It allows automatic processing of hundreds and thousands of payments simultaneously via a single uploaded register. Ideal for regular payments to suppliers, agent rewards, and prompt refunds.
For maximum integration and control, Paysto offers a dedicated PaymentGate API, which allows submitting payout requests and controlling their execution status in real-time. Paysto guarantees high speed, accuracy, compliance with security and financial monitoring requirements, significantly reducing your operational costs.
Balance Top-up (Procurement Optimization) limited
The Balance Top-up function allows users to directly deposit funds into their Paysto account. This is critically important for optimizing procurement activities (buy-sell-earn) and conducting business without registering a legal entity. Top-up ensures instant availability of capital for purchasing goods, accelerating working capital, increasing liquidity, and simplifying fund accounting.
Supplier Settlement (Buy-sell-earn and Foreign Trade) limited
This function allows the Paysto infrastructure user to settle accounts with suppliers of goods or services. This is a critically important element for implementing the buy-sell-earn model, as it ensures legal and transparent procurement, which can subsequently be realized using the corresponding Paysto functions (Payment Acceptance, Goods Resale). Transfers are available via bank transfer within Russia and to other countries, providing flexibility in working with local and international counterparties.
Internal Transfer (Between accounts/infrastructures) limited
A quick and secure fund transfer function that does not leave the Paysto platform perimeter. It allows the operational transfer of money between merchant accounts within the same infrastructure or between different infrastructures of the same user for balance consolidation or distribution.
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Transfer Between Accounts (Within Infrastructure)
Allows merchants using Paysto to instantly transfer funds to each other without external banking systems and withdrawal fees. Used for settlements between partners or suppliers operating on the platform. Significantly speeds up B2B operations.
Transfer Between Infrastructures (Between accounts of the same user)
A function for owners of multiple businesses or projects unified under one main Paysto account. Allows reallocation of financial flows between different balances, for example, to top up one project's account using the profit of another. Ensures centralized financial management.
Individual Infrastructure and Compliance
National Domain (152-FZ) and Data Localization
Regardless of the chosen infrastructure, the commercial part of Paysto in Russia is hosted on a national domain, and the servers are located within the Russian Federation. This is critically important for compliance with Federal Law No. 152-FZ "On Personal Data" regarding database localization.
Key advantages of the infrastructure domain for your business:
- High Trust: Increases the loyalty of Russian consumers, who trust local domains (.RU / .РФ) more.
- SEO Optimization: Improves ranking in Russian search engines when promoting in the local market.
- Legal Compliance: Guarantees compliance with RF personal data protection legislation, minimizing legal risks and fines.
Maximum flexibility is provided for Individual Infrastructure: the ability to use any domain of your choice (or a subdomain of your business) and server placement in a data center of your choice within the Russian Federation.
Frontend (Storefront, Showroom) and Instant Sales Start
The Paysto infrastructure provides ready-made sales tools and a storefront that allow the supplier to start trading without the need for integration with external web resources (online store software, scripts, etc.). These solutions also ensure the legally required local presence of the commercial part on a national domain.
Conclusion: Paysto's frontend tools guarantee that the client can start accepting payments and making sales immediately, even without their own fully-fledged trading infrastructure.
Configuration and Compliance Details
Data Protection
All servers hosting Paysto frontend solutions are located in the Russian Federation. This ensures strict compliance with the requirements of Federal Law No. 152-FZ of July 27, 2006, "On Personal Data," regarding data localization and processing.
Additional Tools
For individual B2B/B2C deals, when a fully-fledged showroom is not required, the following functions are available:
- Invoicing
- Payment under Contract
Both tools are available directly in the Personal Account.
Payment Gateways (Flexibility, Trust Score, and Individual Limits)
Paysto possesses the widest integration base with all Russian financial services. This unique resource allows us to offer unlimited flexibility.
For standard configurations, the gateways are already active (Zero OPEX/CAPEX for connection). For Individual Infrastructure, we are ready to connect to any bank or provider, including your exclusive partner.
Configuration Specifics:
- Open: Common gateways are used for everyone.
- Closed/Individual: Dedicated gateways are connected for the main user. This ensures a clean transaction history (high Trust Score), reduced declines, and the ability to obtain individual limits.
This gives Paysto a unique opportunity and flexibility:
| Configuration | Integration Status | Advantage for the Client |
|---|---|---|
| Open/Closed Infrastructure | Payment gateways are already set up and operating in "live" mode. | You do not waste time on compliance, connection, setup, and testing. Instant launch. |
| Individual Infrastructure | If necessary, the platform is ready to connect to any provider (bank or payment system) upon client request. | Maximum customization and the ability to use existing or exclusive bank agreements. |
Conclusion: Paysto's extensive integration base ensures instant launch of payment processing (for standard solutions) and unlimited flexibility when building an individual configuration.
List of Integrated Payment Providers
| Provider Name | Type | Integration Status |
|---|---|---|
| BIN Bank | Acquiring | Unavailable (Joined FC Otkritie/Liquidation) |
| Webmoney | Payment Gateway | Unavailable (Ruble operations ceased) |
| WalletOne (Yedínaya Kassa) | Payment Gateway | Current |
| IntellectMoney | Payment Gateway | Current |
| Moneta.ru | Payment Gateway | Current |
| MosKomBank | Acquiring | Unavailable (Inactive as aggregator) |
| MKB (Bank) | Acquiring | Current |
| PayKeeper | Payment Gateway | Current |
| PayOnline | Payment Gateway / Acquiring | Current |
| PaySelection | Payment Gateway | Current |
| Payture | Payment Gateway | Current |
| QIWI | Payment Gateway | Unavailable (Liquidation) |
| RBK.Money | Payment Gateway | Unavailable (Outdated) |
| RFI Bank | Payment Gateway / Acquiring | Unavailable (Inactive/Liquidation) |
| SB Bank | Acquiring | Unavailable (License revoked) |
| SberGate (Sberbank) | Payment Gateway | Current |
| ChronoPay | Payment Gateway | Unavailable (Outdated) |
| TvoiPlatézhy (PayU) | Payment Gateway | Current |
| UCS | Payment Gateway / Acquiring | Unavailable (RNKO cancelled) |
| Uniteller | Payment Gateway / Acquiring | Current |
| Yandex.Money | Payment Gateway | Unavailable (Transformed into YuKassa) |
| YooKassa (YooMoney) | Payment Gateway | Current |
Dedicated Server (Maximum Security and Control) limited
Hosting the frontend and payment gateways on a Dedicated Server (available only for Individual Infrastructure) provides the following key advantages:
- Maximum Performance and Stability: All server resources (CPU, memory) are used exclusively for your project, eliminating the influence of other clients.
- Enhanced Security and Compliance: The server has individual protection settings, which is critically important for adhering to specific corporate standards and regulatory requirements.
- Configuration Flexibility: The ability to install any software and fine-tune the system environment to meet unique requirements.
- Full Data Control: Improved management of data localization and access, supporting strict compliance with 152-FZ.
Dedicated Account (Turnover Isolation and High Trust Score) limited
A dedicated bank account is a key part of the closed Paysto infrastructure. All funds from the sale of goods and services are received into a fully isolated account with no other incoming or outgoing transactions.
Advantages of a Dedicated Bank Account:
- Reliable Compliance: Complete isolation of turnover allows for the establishment of impeccable financial compliance, critically important for adhering to regulatory requirements.
- Enhanced Stability: Eliminating the commingling of flows ensures financial predictability and stability of operations.
- High Trust Score: The cleanliness and transparency of the current account significantly raise the level of trust (Trust Score) from banks.
- Usage Flexibility: One dedicated account can efficiently serve multiple infrastructures, simplifying financial flow management for different projects or business areas.