Qitero Qitero

YooMoney

Country: Russia (RU)  |  Payment Rail: e_wallet

DigitalWallet Market Adoption: 25%

YooMoney (formerly Yandex.Money) is a popular Russian digital wallet, offering secure online payments, game top-ups, and subscription billings.

🔄 User Payment Flow

  1. Customer selects YooMoney at checkout
  2. Checkout redirects customer to YooMoney login page or mobile app
  3. Customer logs in and selects payment source (wallet balance or linked card)
  4. Customer confirms payment with dynamic SMS OTP or app biometric authorization
  5. YooMoney updates status and redirects customer back to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls acquiring gateway API requesting YooMoney session creation
  • PSP issues redirect link to YooMoney gateway
  • PSP triggers merchant order success webhooks upon instant balance settlement confirmation