Ruble payment acceptance for business
Accept Payments from Russia in RUB via SBP and QR
WhiteCapital Tech helps businesses connect online and in-person payment acceptance from individual customers: SBP on websites and in apps, payment links, and QR payments at physical locations. API integration and webhook status delivery are provided through an agreed payment setup.
WHITECAPITAL provides technology and service infrastructure for accepting Russian-ruble payments from individual customers. The solution combines the Faster Payments System (SBP), C2B transfers, dynamic QR codes within the NSPK infrastructure, payment links, card acquiring where available, and automated status delivery.
Online: customers pay on a website, in an app or through a payment link. In person: the seller displays a QR code for a specific purchase at the physical location, the customer confirms payment in their banking app, and the seller checks the transaction status in the dashboard or through the API.
Onboarding is not automatic. Every merchant is subject to KYB/KYC review, business model and website assessment, compliance screening, risk assessment and, where required, prior bank approval.
Who can apply
- legal entities registered in Russia or abroad
- individual entrepreneurs
- e-commerce businesses
- digital services and online platforms
- online stores
- travel and tourism services
- fulfillment and shopping assistance services
- service companies
- gaming and digital content projects subject to review and approval
- other lawful commercial projects
Natural persons are not onboarded as merchants. Availability of each payment method depends on review and approval.
Merchant tools
- merchant dashboard
- SBP / C2B payment acceptance
- dynamic SBP QR codes within the NSPK infrastructure
- payment links for websites, apps or messaging channels
- card acquiring where available
- payment API integration
- webhook / callback notifications
- transaction status tracking
- reports and reconciliation
- refund support through WHITECAPITAL
- technical integration support
What WHITECAPITAL merchant infrastructure supports
- connect SBP payment acceptance to a website or app
- accept Russian-ruble payments from customers in Russia
- generate a dynamic NSPK QR code with payment amount and reference
- send a payment link and receive the payment status
- integrate a payment API with webhook or callback events
- monitor transactions, statuses, refunds and reconciliation reports
- arrange documented merchant settlements for a Russian or international company
Russian payment methods for international businesses
- a foreign legal entity may apply to accept payments from customers in Russia
- customers pay through an approved SBP, QR or card payment scenario
- settlement currency, timing, fees, limits and reserves are agreed in the contract
- WhiteCapital does not promise automatic onboarding: availability depends on KYB/KYC, compliance and bank approval
About WHITECAPITAL
The official company name is WHITECAPITAL PAYMENT SERVICES PROVIDER - FZCO. The official website is whitecapital.tech.
Company information, corporate documents and onboarding terms are available in the Documents section. Contact support@whitecapital.tech to discuss payment infrastructure and your project review.
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Onboarding and payment acceptance costs
Commercial terms are calculated for your project. Provide your website, legal entity and jurisdiction, product or service, expected volume, average payment amount and settlement currency.
What is agreed before launch
- Acceptance fees for each available payment method.
- Settlement and conversion costs, when applicable.
- Treatment of refunds and disputed payments.
- Payout timing, limits and reserve terms.
What you receive
Agreed terms are documented in the agreement and commercial schedule. Reconciliation accounts for successful payments, applicable fees, refunds and the agreed reserve. Confirm all cost components and reconciliation procedures before signing.
Request terms for your projectQuestions about accepting payments with WhiteCapital
Can a physical location accept in-person payments?
Yes. An approved physical location can agree a dynamic SBP QR payment setup. The QR code is created for a specific purchase, and payment is confirmed through the transaction status in the dashboard or API. Hardware and cash-register integration are agreed separately.
What is WhiteCapital?
WHITECAPITAL PAYMENT SERVICES PROVIDER - FZCO is a UAE company providing B2B payment infrastructure for approved merchants and a separate agency model for documented client instructions. This page covers merchant payment infrastructure only.
How can I connect SBP payments to a website?
Submit an application, provide company, website and business model details, and complete KYB/KYC and compliance review. After approval, the contract, bank, limits and API, payment-link or QR integration are agreed.
Can a foreign company accept Russian-ruble payments from customers in Russia?
A foreign legal entity may apply. Payment method, settlement currency and settlement procedure depend on company review, business model assessment and bank approval.
Does the solution support dynamic NSPK and SBP QR codes?
Yes. Approved projects may use a dynamic SBP QR code within the NSPK infrastructure. The exact payment flow and availability are confirmed during onboarding.
Are an API, webhooks and merchant dashboard available?
Yes. The infrastructure includes a payment API, webhook or callback status delivery, merchant dashboard, transaction registers and reconciliation tools.
Can customers pay through a payment link?
Yes. A payment link can be placed on a website or app, or sent through an approved channel. Payment status is then delivered to the merchant.
Is online card acquiring available?
Card acquiring is available where suitable bank infrastructure and separate approval exist. WHITECAPITAL does not store full card details or CVV/CVC codes.
How are merchant settlements handled?
Settlement timing, currency, fees, limits, reserves and procedures are defined individually in the merchant agreement after review and approval.
How to connect payment acceptance
Merchant submits an application.
WHITECAPITAL reviews the business model and website.
Merchant provides registration and KYB/KYC documents.
WHITECAPITAL performs compliance screening and risk assessment.
If required, merchant data is submitted to the bank for approval and registration.
Merchant signs an agreement with WHITECAPITAL.
Merchant receives dashboard and API access.
Customer pays via SBP, QR, payment link or card.
Payment status is displayed in the dashboard and/or transferred via API/webhook.
WHITECAPITAL settles with the merchant under individually agreed commercial terms.
C2B / SBP / NSPK QR flow
- The customer receives a payment link or dynamic QR code, confirms payment in the mobile banking application, and the payment status is transferred to the merchant dashboard or through API/webhook.
Online card acquiring
- Card payments are processed through available bank acquiring infrastructure.
- WHITECAPITAL does not store full card details, CVV/CVC codes or full payment card credentials.
Merchant settlements
- Funds received from customers are recorded under the agreed contractual and banking model.
- WHITECAPITAL records transactions, applicable fees, refunds, chargebacks, disputes, bank fees and reserves, then settles with the merchant under individually agreed terms.
- Fees, settlement timing, currency, limits, reserves and available payment methods are determined individually for each merchant.
Refunds and disputes
- Refunds are initiated by the merchant through WHITECAPITAL support.
- The merchant is responsible for goods and services, customer support, refunds, complaints, disputes and chargebacks related to its business.
Compliance and security
- All merchants are subject to KYB/KYC review, business model assessment, compliance screening, risk assessment and approval. Some merchant categories may require additional review, restrictions or prior bank approval.
Ready to discuss onboarding?
Submit an application so WHITECAPITAL can review your business model, documents and suitable onboarding format.
Submit Application