Partner available

T-Pay (Tinkoff Pay)

T-Pay (Tinkoff Pay) is a country wallet method. Customers pay by: in-app approval.

Category
Digital wallets
Type
Country wallet
Customer experience
In-app approval
Currencies
RUB
Markets
1 countries
Recurring
Supported where the scheme allows
Refunds
Full and partial
Payment links
Supported
Hosted checkout
Supported
API
Supported
Settlement
T+2 to T+5, following the underlying funding rail

Available through The Vision Bank

Provided through a regulated payment partner. Access depends on that partner's onboarding and coverage.

Availability depends on your merchant country, legal entity, customer country, industry, risk classification, currency, product and payment-partner coverage. Nothing on this page is an offer of service.

Check eligibility

Pricing for T-Pay (Tinkoff Pay)

One rule everywhere: the underlying provider cost plus a $1.00 per transaction Vision markup. Scheme, network and FX charges are always shown separately, at cost.

Underlying provider cost
Provider cost band, typically 1.0%–2.9% per transaction
Vision markup
$1.00 per transaction
What you pay
Provider cost + $1 per transaction
Scheme & network charges
Wallet operator fees billed at cost
Currency conversion
FX applied on conversion to your settlement currency
Settlement
T+1 to T+3

These bands show how a price is built, not a quote. Your rate is confirmed at onboarding once your entity, industry, volume and markets are reviewed.

Partner infrastructure

T-Pay (Tinkoff Pay) is processed through regulated infrastructure. Partner identities are disclosed only where the relationship is confirmed and cleared for publication.

  • Licensed payment partners

    Regulated payment institutions and acquirers that hold the scheme memberships and licences required to process a method.

    T+1 to T+5 depending on scheme and risk profile

  • Local acquiring partners

    Domestic acquirers and payment operators that connect us to a country's own card and bank rails.

    Domestic settlement cycle, usually T+1 to T+3

Eligibility & requirements

Every merchant

  • · A registered business entity with incorporation documents
  • · Identification for directors and beneficial owners (KYC / KYB)
  • · Description of the business model, products and customer base
  • · Expected monthly volume, average transaction size and target markets
  • · A live website or product with clear terms, refund and privacy policies
  • · Sanctions, AML and risk screening of the entity and its owners

Entity

  • · Registered entity
  • · Local presence where the wallet operator requires it

Technical

  • · Redirect or QR handling in checkout
  • · Webhook handling for asynchronous confirmation

Compliance

  • · Wallet operator approval of your industry
  • · Consumer refund policy

Markets where customers use it