Acquiring for e-commerce and digital services
Connect internet acquiring for your business website
WHITECAPITAL helps approved businesses build a website or application payment flow using cards where an approved banking setup is available, SBP, dynamic QR, payment links, APIs, notifications and transaction reconciliation.
Updated 1 October 2026 · Author and publisher: WHITECAPITAL PAYMENT SERVICES PROVIDER - FZCO
What internet acquiring includes
Online card acquiring enables a merchant to accept bank card payments over the internet. The payment form can open from a website or a link. SBP is a separate payment method confirmed in a banking app and may be included in an approved combination of payment methods.
WHITECAPITAL assembles this infrastructure for approved merchants. Card acquiring is available only where a suitable banking route exists and the company, industry and geography receive separate approval. SBP, QR and payment links may complement card acceptance or operate as the primary payment method.
- hosted payment page or payment link;
- card acceptance where available and separately approved;
- SBP/C2B and dynamic QR within NSPK infrastructure;
- API, webhook or callback status delivery;
- merchant dashboard, registers, reconciliation and agreed refund processes.
How to connect acquiring to a website
Onboarding starts with the business, not with code. The merchant provides corporate documents, ownership information, product or service details, website URLs, customer geography, projected turnover and average ticket. The website should clearly identify the seller and display sale, refund and privacy terms.
After KYB/KYC, compliance review and risk assessment, the available payment methods, banking participant, limits, fees, settlements and contract are agreed. The teams then test payment creation, customer return, status delivery, notifications and reconciliation before production approval.
- application and business-model description;
- company, website, product and document review;
- individual commercial and banking terms;
- integration and payment-flow testing;
- operational approval and production launch.
Acquiring or SBP: how to choose
Card acquiring and SBP both accept payments but use different customer and banking journeys. Cards suit customers who prefer entering card details or using a stored method. With SBP, the customer confirms a transfer in a banking application through a link or QR code.
An online merchant will often benefit from selecting a mix based on audience, conversion, cost, refund operations and actual availability. WHITECAPITAL can help design the technical flow, but no payment method is guaranteed before review.
Acquiring for an international company
An international company selling goods or services to customers in Russia may apply for payment infrastructure. Eligibility for card or RUB payment acceptance depends on jurisdiction, product, ownership, banking approval and applicable restrictions.
The application should identify the actual seller, website, pricing currency, expected payer geography and intended settlement model. Settlement currency and timing, fees, reserves and limits are confirmed only after review and in the contract.
Fees and terms to compare before onboarding
Request a project-specific offer covering each available payment method, settlement and conversion costs when applicable, refund processing, reserves and payout timing. A single advertised acceptance rate does not describe all settlement conditions.
Provide your legal entity and jurisdiction, website, product, expected volume, average payment amount and settlement currency. WHITECAPITAL records the agreed terms in the contract and commercial schedule.
Prepare your checkout before integration
Show the seller, final order amount, product details, delivery or access terms, support contacts and refund policy. Keep the order reference when the buyer goes to the payment page and returns.
Compare ways to accept payments on your website · E-commerce implementation guide
Frequently asked questions
What determines the cost of internet acquiring?
The offer depends on the approved methods, product, turnover, geography and settlement model. Compare acceptance fees, settlement charges, reserves and refunds together.
Can internet acquiring be connected without company review?
No. Onboarding includes KYB/KYC, website and product review, compliance screening and risk assessment.
Does WHITECAPITAL guarantee card acceptance?
No. Card acquiring depends on suitable banking infrastructure and separate approval for the specific merchant.
Can SBP be offered together with cards?
An approved project may use a combined flow with cards where available, SBP, QR or payment links.
What does a developer need to integrate?
Payment creation, the hosted payment or link flow, status handling, webhook or callback processing, retry logic and reconciliation against transaction registers.
Primary references
For general information about SBP and Russian payment infrastructure, use official primary sources:
WHITECAPITAL
Merchant payment acceptance onboarding
SBP, QR, payment links, API and card acquiring where available — after KYB/KYC, compliance review and approval.