Key Criteria to Consider
- Fees for accepting payments (cards, wallets, SBP, foreign cards);
- Presence of a subscription fee or hidden/additional charges;
- Minimum documentation required and how easy it is to connect;
- How receipts are issued and how fiscalization is handled (to comply with self-employed regulations);
- Turnover or transaction limits.
Payment Services Overview
ЮKassa / ЮMoney
Suitable for self-employed individuals; allows accepting payments via cards, wallets, QR codes, and links.
Fees and features:
- Card and ЮMoney wallet fees — approximately 2.8–3.5% depending on turnover and business type.
- For new clients, there is a promotion: “0% commission for the first 14 days or up to 100,000 ₽ turnover.”
- QR code payments with a commission of up to ~0.7%.
Limits and conditions: - Single card payment: up to 350,000 ₽ per transaction, up to 700,000 ₽ per month per card.
- ЮMoney wallets: limits vary depending on wallet status (anonymous / named / verified).
- Mandatory issuance of receipts/invoices according to self-employed regulations; ЮKassa allows sending a link-invoice to the client.
Robokassa
Suitable for self-employed individuals; includes the “Robocheki SMZ” feature — automatic issuance of receipts, and convenient integration of payments through websites, bots, and links.
Fees and features:
- Russian cards: about 3.5% on the “Basic” tariff for self-employed users.
- Rates may decrease if turnover exceeds a certain threshold.
- Foreign cards: high percentage, approximately 9.9%.
- Payments via SBP: slightly lower rates, depending on turnover.
Limits and conditions:
- The law limits self-employed turnover to 2.4 million ₽ per year; exceeding this requires registering as an individual entrepreneur (IP) or another legal status.
- No subscription fee for self-employed users; only successful transactions are charged.
Prodamus
This service is focused on online schools, bloggers, and experts. It is suitable if you sell courses or educational materials.
Fees and features:
- Russian cards: ~3.5% for sales up to 500,000 ₽; slightly lower for higher turnover (approximately 3.2–2.7%).
- Foreign cards: around 10%.
- Installments / credit payments: significantly higher rates, depending on the term.
Limits and conditions:
- No subscription fee.
- Specific limits and conditions apply for foreign cards and installment/credit payments.
- Minimum price/service requirements may be higher than for selling physical goods.
BotHelp Client Bonuses
Prodamus
- Use the promo code/link when registering to get 20% discount and 3-month grace period. No fees on first 100,000 ₽ turnover for bank details, Russian cards, SBP, and Sberbank Online.
- Promo code: BOTHELPIO
- Link: https://connect.prodamus.ru/?ref=BOTHELPIO
Robokassa
- To receive payments from Kazakhstan, register with the special link and get a 3.5% discount for 3 months.
- Link: https://partner.robokassa.ru/Reg/Register?PromoCode=BotHelpKZ&culture=ru
ЮKassa
- Register via the special link to get a 2.8% acquiring rate for cards, ЮMoney, SberPay, and credit purchases.
- Link: https://yookassa.ru/joinups/?source=bothelp
Comparative Situations
| Situation | Best Choice |
|---|---|
| Small sales volume, just starting, want low initial fees | ЮKassa (0% promotion first days / up to turnover). Robokassa “Basic” tariff also acceptable. |
| Selling services / digital products, need flexible payment via links, bots, social media | Robokassa – convenient with good tools for links, bots, and receipts. |
| Educational activities, webinars, courses | Prodamus – tailored for online schools with suitable modules and tariffs. |
| High turnover, seeking minimal fees for cards / foreign payments | Robokassa or ЮKassa with higher tariffs/contracts where % decreases. |
If you haven’t found the answer to your question, contact us in the chat in your profile or email hello@bothelp.io
Get 14 days of full functionality of BotHelp, a platform for creating broadcasting, autofunnels, and chatbots.