Accept payments in rubles: P2P, SBP and QR for high-risk
Accept rubles from payers in Russia via card transfers, the Faster Payments System (SBP), NSPK QR codes and mobile top-up. The customer pays from their banking app — no card entry on your site — and you get a webhook on settlement and a USDT payout.
The rate depends on niche, traffic and volume — final terms are agreed at onboarding. All pricing →
Payment methods
| Method | How the customer pays | payment_option |
|---|---|---|
| Card transfer (P2P) | The customer gets a card number and transfers the amount from any Russian bank app. | TO_CARD |
| SBP | Transfer by phone number via the Faster Payments System — from any bank. | SBPSBP_ALFASBP_TBANK |
| NSPK QR | The customer scans a QR code with the camera or banking app and confirms. | QR_NSPK |
| Mobile top-up | Payment via mobile number top-up — for small amounts. | MOBILE_PHONE |
| Intra-bank | Transfer within one bank (card, SBP, QR) — enabled on request. | TO_CARD_INTERNALSBP_INTERNALQR_INTERNAL |
| Cross-border | Transfer from a specific bank (Alfa, VTB, SberPay, T-Pay) — see the dedicated page. | TRANSGRAN_* |
How RUB P2P acceptance works
P2P acquiring means accepting payments through person-to-person transfers. Your customer never enters card details on your site: they receive payment details (a card number, a phone number for SBP or a QR code) and send money from their banking app. To the bank this looks like a regular transfer, so it does not hit the MCC restrictions and acquirer declines typical for high-risk niches.
CrocoPay assigns payment details for each amount, tracks the incoming transfer and confirms the payment. You see the invoice status in your dashboard and receive it as a webhook.
Which method to choose
- SBP — the fastest and most familiar: the customer only needs a phone number. Converts well on mobile traffic.
- Card transfer — universal, for any bank and for customers without SBP set up.
- NSPK QR — convenient on desktop: the customer scans the code with their phone.
- Mobile top-up — for small tickets.
- Cross-border — an alternative route with a transfer from a specific bank, useful as a backup.
Methods can be combined: pass the payment_option you want, or send the customer to our payment page to choose.
Who it is for
Online casinos and sportsbooks, esports platforms, crypto exchanges, gaming services and other projects that banks turn down. We accept FTD, trusted and mixed traffic — terms depend on niche and volume.
Security and control
Every transaction goes through real-time anti-fraud checks, and suspicious ones are reviewed manually. Webhooks are HMAC-signed so your server can verify they come from CrocoPay.
How to get started
- Sign up. Create a merchant account and message us on Telegram @crocopay: niche, geos, expected volume and traffic type.
- Cash desk. We enable the currencies and methods you need; you create a cash desk and get your
Client-Id/Client-Secret. - Integration. H2H API (show payment details on your side) or a redirect to our hosted payment page — no front end needed.
- Test and launch. Check webhooks on test payments and open your traffic.
- Settlement. Balance payouts in USDT (TRC-20 / BEP-20 / Bybit UID), T+0.
Request example
Create an invoice via the H2H API. The response contains a payment page link or payment details to show on your side; the result arrives as a webhook to callback_url.
POST /api/v2/h2h/invoices
Client-Id: …
Client-Secret: …
{
"amount": 5000,
"currency": "RUB",
"payment_option": "SBP",
"success_url": "https://your.site/success",
"callback_url": "https://your.site/webhook"
}FAQ
How fast is the payment confirmed?
An SBP transfer usually arrives within seconds, a card transfer within seconds to a few minutes. Once confirmed, you get a webhook with status Success.
What if the customer sends the wrong amount?
The payment is tied to the invoice amount. Mismatches are handled via support — so show the exact amount and the payment timer.
Can I accept rubles if my company is not in Russia?
Yes. We onboard merchants from any country: you accept rubles from payers in Russia and get settled in USDT.
Do I need my own front end for payment details?
No. You can redirect the customer to our payment page, or show the details yourself using the H2H response.
How do I get paid?
The balance is paid out in USDT (TRC-20, BEP-20 or to a Bybit UID), T+0.
Other payment methods
Ready to start?
Tell us about your project on Telegram — we will pick methods for your geos and traffic, agree the rate and open test access.