Qitero Qitero

Fast Payments System (SBP)

Country: Russia (RU)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 50%

SBP is Russia's central real-time payment network, enabling instant QR-code scan payments directly from consumer bank accounts.

🔄 User Payment Flow

  1. Customer selects SBP at checkout
  2. Checkout displays a dynamic SBP QR code or SBP mobile deep link
  3. Customer scans the QR code or clicks the link to open their mobile banking app
  4. Customer verifies the amount and authorizes payment using biometric auth
  5. Funds transfer instantly and merchant receives dynamic webhook clearing alert

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant triggers payment intent request to PSP requesting SBP checkout
  • PSP queries NSPK switch and issues dynamic QR code
  • PSP triggers merchant order success webhooks upon instant switch settlement