Cross-border transfers in rubles
Cross-border ("transgran") means accepting rubles via a transfer from a specific Russian bank to payment details abroad. It works as an extra route next to SBP and P2P: different bank limits, different details and stable conversion when regular routes are loaded.
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 (cross-border) | Card transfer over the cross-border route from any bank. | TO_CARD_TRANSGRAN |
| SBP (cross-border) | Cross-border transfer by phone number. | SBP_TRANSGRAN |
| Card (TJS route) | Transfer from VTB, T-Bank, Gazprombank, Sber; details may come as a card, a deep link or a QR. | TRANSGRANCARD_TJS |
| Alfa-Bank | Transfer only from the Alfa-Bank app. | TRANSGRAN_ALFA |
| VTB | Transfer only from the VTB app. | TRANSGRAN_VTB |
| SberPay | Transfer only via SberPay. | TRANSGRAN_SBER |
| T-Pay | Transfer only from T-Bank (T-Pay). | TRANSGRAN_TPAY |
The key rule: the sender's bank
Each bank-specific cross-border method is a transfer from that exact bank. If the customer picked "SberPay", the money must be sent from Sber. Transfers from other banks on this route are not credited and not reviewed.
Show the bank name next to the payment details and warn customers about this rule before enabling the method. If a customer does not have that bank, offer SBP or a card transfer.
When to enable cross-border
- as a backup route next to SBP and P2P at peak load;
- for customers of large banks (Sber, VTB, Alfa, T-Bank) with different transfer limits;
- for large tickets that hit the limits of regular details.
How to show payment details
The H2H response contains the details (card or phone), and for the TJS route also a deep link to the banking app (paymentLink) and a QR code (qrImage, qrData). Show whatever is non-empty. The result arrives as a webhook to callback_url.
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": "TRANSGRAN_VTB",
"callback_url": "https://your.site/webhook"
}FAQ
Why was a transfer from another bank not credited?
Bank-specific cross-border methods accept transfers only from that bank. Such transfers are not credited by the route rules — warn customers in advance.
Are cross-border methods available right away?
No, a CrocoPay administrator enables them for your account. Tell us which banks you need.
What are the limits?
Payment limits are the same as for RUB (see "Terms"); the customer's bank limits also apply.
Can I use it together with SBP?
Yes. Cross-border is usually an extra route: customers of that bank use it, others pay via SBP or card.
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.