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Tinkoff Pay

Country: Russia (RU)  |  Payment Rail: e_wallet

DigitalWallet Market Adoption: 30%

Tinkoff Pay is Tinkoff Bank's instant checkout service, enabling fast mobile payments and card-free bank transfers for Russian shoppers.

🔄 User Payment Flow

  1. Customer selects Tinkoff Pay at checkout
  2. Checkout opens Tinkoff mobile banking app or prompts for phone number to send push confirmation
  3. Customer reviews purchase details and confirms payment via Touch ID/Face ID
  4. Tinkoff Bank authorizes and routes funds directly from customer bank account to merchant account

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant invokes gateway to request Tinkoff Pay transaction token
  • Tinkoff switch receives payload and returns authorization request
  • PSP triggers final transaction webhook callbacks upon switch approval