Твои платежи is a licensed Russian payment processor offering card, QR, and e-wallet acquiring, marketplace payment splitting, recurring billing, and a REST…
Твои платежи ("YourPayments", legal entity: ООО НКО «Твои платежи», Central Bank of Russia banking license No. 3518-К, registered 2013-04-08) is a licensed non-bank payment/settlement institution that provides online acquiring and payment infrastructure for Russian websites, mobile apps, marketplaces, and messengers/chatbots. The platform lets merchants accept and send payments via bank cards (Mir, Visa, Mastercard, UnionPay), Fast Payment System QR codes, and e-wallets (YuMoney, MirPay, AlfaPay). Core capabilities include payment splitting ("сплитование") for multi-party marketplace payouts (platform, supplier, delivery service), shareable payment links distributed by email/SMS/messengers, recurring/subscription billing, hold/pre-authorization for reserving funds, payouts to individuals, and an admin dashboard for reconciliation, chargebacks and partial refunds. Fraud protection combines rule-based checks, AI models, and manual review, and the service integrates with major Russian online-cashier (54-FZ) providers (ATOL, OFD, Orange Data, i-Retail, Chek-Online) for automated fiscal receipts. Developers can integrate via a REST API plus official SDKs for PHP, Python, Go, and JavaScript/TypeScript, along with CMS/e-commerce plugins. The company lists named clients including Oriflame, Selectel, and Hello Doc, and states PCI-DSS-compliant systems.