CloudPayments
CloudPayments is a Russian PCI DSS Level 1 certified payment gateway and 95%-owned Tinkoff Group subsidiary operating under the unified Cloud brand, providing internet acquiring, cloud fiscalization, cashless tipping, and subscription billing to 15,000+ merchants across e-commerce, EdTech, financial services, restaurants, and CIS markets.
- Company typePrivate
- Founded2014
- HeadquartersMoscow, Russia
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What CloudPayments does
CloudPayments is a Russian payment service provider founded in 2014 by Dmitry Spiridonov and Konstantin Yan and headquartered in Moscow. Since October 2017 it has operated as a 95%-owned subsidiary of Tinkoff Group (TCS Group), with co-founder Dmitry Spiridonov retaining a 5% stake. The company was rebranded in February 2022 under a unified "Cloud" umbrella brand that brings together CloudPayments (internet acquiring), CloudKassir (cloud-based online cash register under Federal Law 54-FZ), CloudTips (cashless tips and donations), CloudSoft (white-label SaaS for global payments), and CloudИнфошоп (info-product monetization widget for Telegram communities and EdTech).
The underlying platform is a PCI DSS Level 1 Version 4.0 certified, ISO/IEC 27001 hosted payment gateway accepting Visa, Mastercard, Mir, UnionPay, T-Pay, SberPay, Mir Pay, and Faster Payments System (SBP), plus installments and foreign cards. It is accessible via widget, checkout script, mobile SDK (iOS/Android), REST API, and CMS modules (1C-Bitrix, WordPress, Tilda, GetCourse, Restik). Supporting features include recurring/subscription billing, mass payouts to bank cards, Safe Deal escrow for marketplaces, AFT (Account Funding Transaction) for microfinance organizations, and customizable Payment Constructor forms.
CloudPayments monetizes primarily through transaction-based commissions (~2.6% standard rate, with VIP terms above 5M RUB monthly turnover), subscription revenue from CloudKassir cash register rentals, a 15% service fee on CloudTips donations, and affiliate earnings via its two-tier agent program. It serves more than 15,000 active merchants across e-commerce, EdTech, financial services, restaurants, entertainment, marketplaces, and non-resident CIS/UAE businesses, supported by 350+ employees, geographically distributed data centers in Moscow (DataLine) and Saint Petersburg (Miran-1), and self-serve onboarding with dedicated enterprise account management.
CloudPayments firmographics
Firmographics- Name
- CloudPayments
- Legal name
- Общество с ограниченной ответственностью «КЛАУДПЭЙМЕНТС»
- Website
- https://cloudpayments.ru
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- CloudPayments is a Russian PCI DSS Level 1 certified payment gateway and 95%-owned Tinkoff Group subsidiary operating under the unified Cloud brand, providing internet acquiring, cloud fiscalization, cashless tipping, and subscription billing to 15,000+ merchants across e-commerce, EdTech, financial services, restaurants, and CIS markets.
- Ownership category
- akta.pro rank
CloudPayments industry classification
Industry- Product category
- Online Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Computer Processing & Data Preparation (7374), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industry
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
Keywords
Where CloudPayments is headquartered
LocationHeadquarters
- HQ city
- Moscow
- HQ country
- Russia
- HQ region
- Europe
Offices3 records
Markets served
CloudPayments business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- Internet acquiring / payment processing: CloudPayments charges merchants a commission fee (take rate) on each transaction processed. Commission rates vary by business sphere (restaurants, e-commerce, online education, finance, etc.) and turnover tier. For standard merchants, the rate is approximately 2.6%. VIP merchants (from 5 million RUB monthly turnover) receive preferential rates. The company also charges for currency transactions when accepting foreign cards.
- CloudKassir — cloud cash register rental: CloudKassir provides cloud-based online cash registers for 54-FZ fiscal compliance. Partners pay subscription/rental fees for the cloud KKT and fiscal storage services. Includes free OFD connection and flexible pricing.
- CloudTips service: CloudTips charges a 15% service fee on donations withdrawn. An additional 30 RUB fee applies for withdrawals under 1,000 RUB unless the card is from Tinkoff. Donations are tax-free for recipients.
- CloudSoft SaaS: CloudSoft provides a SaaS cloud solution for global payment management, likely sold on a subscription basis to merchants and platforms needing international payment infrastructure.
- Agent/partner program fees: CloudPayments earns revenue from merchant transactions facilitated by agent partners. Agents earn 0.1–0.3% of turnover of merchants they refer, creating a referral-driven distribution revenue stream.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard rate for internet acquiring across all business spheres |
| Transaction based/ take rate | Pay-as-you-go | VIP / high-volume merchants |
| Subscription | Monthly | CloudKassir cloud cash register |
| Transaction based/ take rate | Pay-as-you-go | CloudTips service fee |
| Other | Monthly | Agent program — CloudPayments agents |
| Other | Monthly | Agent program — CloudИнфошоп agents |
Go-to-market motion2 records
Distribution channels8 records
Marketing channels8 records
CloudPayments product offering
Product offeringCore offering
CloudPayments operates a cloud-based internet acquiring and payment gateway platform enabling merchants to accept online payments via bank cards (Visa, Mastercard, Mir, UnionPay), fast pay-services (T-Pay, SberPay, Mir Pay, SBP), installments, and foreign cards. The platform is accessible via widget, checkout script, mobile SDK, REST API, and CMS modules. Adjacent modules include CloudKassir for 54-FZ cloud fiscalization, CloudTips for cashless tips and donations, CloudSoft for global SaaS payments, and Safe Deal escrow for marketplaces.
Product overview
CloudPayments is a Russian payment services provider (fintech company) offering a multi-module product portfolio under the unified Cloud brand (formerly CloudPayments, acquired by Tinkoff Group in 2017). The core product is CloudPayments internet acquiring platform, which integrates with the add-on modules CloudKassir (cloud-based fiscalization/online cash register), CloudTips (cashless tips and donations service), and CloudSoft (global payment management SaaS). Additional offerings include CloudИнфошоп (info product marketplace widget) and specialized features for subscription billing (Recurring/Recurrent), one-click payments (Recurring/Recard), escrow transactions (Safe Deal), payment links/QR codes, mass payouts, and AFT transactions for microfinance organizations. The ecosystem also supports multiple payment methods including bank cards, T-Pay, SberPay, Mir Pay, and the Faster Payment System (SBP).
Differentiator
Problem solved
Functional benefit
Brands
- CloudPayments: Internet acquiring and online payment acceptance service
- CloudKassir
- CloudTips
- CloudSoft
- CloudИнфошоп
Products and services
- CloudPayments Internet Acquiring Core internet acquiring platform enabling online merchants to accept card payments (Visa, Mastercard, Mir, UnionPay), fast pay-services (T-Pay, SberPay, Mir Pay, SBP), installment payments (Долями), and foreign card processing. Delivered via payment widget, checkout script, mobile SDK, and REST API with PCI DSS Level 1 v4.0 certification.
- CloudKassir Cloud-based online cash register service providing fiscalization of online payments under Russian Federal Law 54-FZ. Offers virtual KKT, fiscal data storage, OFD connection, automatic receipt generation and transmission to tax authorities (FNS), group operations, and product marking support. Grows ~80% per year in revenue and partners.
- CloudTips Cashless tips, donations, and targeted charitable contribution service enabling tips to service workers (couriers, waiters, taxi drivers), content creators (streamers, bloggers), and charity organizations via QR codes and payment links. Supports Apple Pay, Google Pay, bank card, and Yandex Pay. Includes 'remember card' feature, staff split-payment functionality, analytics, and a 15% service fee on donation withdrawals.
- CloudSoft Cloud-based SaaS solution for managing payment infrastructure globally with white-label capabilities enabling partner brands to operate international payment processing under their own identity.
- CloudИнфошоп (CloudInfoShop) Info product store embedded in the payment widget enabling monetization of closed Telegram communities via subscription without manual moderation. Features popup payment form with product showcase replacing the need for separate websites or landing pages. Targets producers, bloggers, experts, marketers, and developers in online education.
- Recurring/Recurrent Payments Subscription management service enabling automatic recurring payments with configurable schedules (daily, weekly, monthly), amount changes, three retry attempts on failure, automated customer notifications, and a subscriber management portal. Supports card, T-Pay, Mir Pay, and SBP. Integrates with GetCourse and Tilda.
- Safe Deal (Escrow) Escrow service for managing settlements between online platform clients and marketplaces. Automates and protects transfers between individuals with fund freezing capability up to 2 months, platform commission monetization, and P2P transaction security.
- Payment Link Payment link generation service enabling online payments without a website. Links can be sent via email, SMS, social networks, or messengers, with QR code support and automatic fiscalization for connected merchants.
- Mass Payouts Instant mass payment service for business-to-individual transfers enabling loan disbursements, cashback returns, prize payments, supplier settlements, and insurance payouts via bank card transfers through dashboard or API without requiring a website.
- AFT (Account Funding Transaction) Reduced-rate transaction processing for credit organizations enabling loan repayment collection at better rates than standard internet acquiring. Designed for microfinance companies and pawnshops.
- CloudPayments Mobile Application Mobile application for managing online payments. Allows merchants to track transactions, manage analytics, and control payment operations from mobile devices. Available on App Store and Google Play.
Quantifiable outcome
- Merchants' average check in cosmetics stores grew 120% when using CloudPayments payment solutions
- +5 more outcomes
Companies that use CloudPayments
Customer profileNamed customers15 records
Segments8 records
Ideal customer profiles6 records
CloudPayments technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability2 records
Feature10 records
CloudPayments partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- MastercardminorCloudPayments and Mastercard jointly launched the charitable project NADOBRO with fund Liniya Zhizni (Line of Life) to help seriously ill children, using the CloudTips platform. Mastercard supported the initiative as part of its social responsibility program.
- DataLinecoreCloudPayments compute and network infrastructure is hosted in two DataLine data centers in Moscow, certified to PCI DSS Level 1 and ISO/IEC 27001:2005. DataLine provides redundant power (2N), fiber connectivity up to 40 Gbps, and direct MSK-IX peering.
- Miran-1 data centercoreThird geographically distributed data center in Saint Petersburg, also PCI DSS Level 1 certified. First commercial hosting center in Northwestern Russia to achieve PCI DSS certification. 3.5 MW power capacity, 500 m² area, 130+ server racks.
Scale indicators14 records
Recent moves8 records
Expansion highlights6 records
CloudPayments competitors and assessment
Company assessmentDirect peers
- YooKassa: Formerly Yandex.Kassa, YooKassa is one of Russia's largest payment gateways offering internet acquiring, fiscalization, and payouts for online businesses. It is the most direct head-to-head competitor of CloudPayments across Russian e-commerce, EdTech and SMB acquiring, with comparable product bundles and pricing.
- Robokassa: Robokassa is a Russian online payment aggregator supporting a wide range of payment methods for e-commerce, EdTech and SMBs. It is a direct functional competitor to CloudPayments' internet acquiring offering and previously employed CloudPayments' current CEO Tatiana Glazacheva, indicating close industry positioning.
- Platron: Platron is a Russian payment aggregator offering online acquiring and mass payouts to merchants across e-commerce and digital services. It is functionally comparable to CloudPayments in product mix (acquiring + payouts) and was among the previous employers of CloudPayments' CEO, illustrating the closely overlapping competitor set.
- Assist: Assist is one of the longest-established Russian payment gateways, providing internet acquiring and card processing for online merchants. It is a direct functional peer of CloudPayments in Russian online payment processing, particularly for SMB and mid-market merchants.
- Uniteller: Uniteller is a Russian payment processor providing acquiring, fiscalization and payout services to e-commerce and service-industry merchants. It is a direct competitor in the same SMB and mid-market internet acquiring category as CloudPayments.
- Chronopay: Chronopay is a Russian-founded payment service provider with international card acquiring capabilities. It is a direct functional peer of CloudPayments for cross-border and Russian internet acquiring, and was another previous employer of CloudPayments' current CEO.
- Paymaster: Paymaster is a Russian payment aggregator providing online acquiring across multiple payment methods and verticals. It is a direct competitor in the Russian online payment processing market with comparable SMB and mid-market positioning to CloudPayments.
- RBK Money: RBK Money is a Russian online payment service offering acquiring and payout solutions to merchants. It overlaps directly with CloudPayments' core acquiring and payment service offering and is yet another former employer of CloudPayments' current CEO, indicating deep familiarity between the organizations.
Broad incumbents
- Tinkoff.Kassa (T-Bank): Tinkoff.Kassa is the acquiring and SMB banking product of Tinkoff Group, CloudPayments' 95% parent. While technically a sister company rather than an external rival, it competes head-on for the same Russian merchants and benefits from the bank's full deposit franchise — making it the closest benchmark for CloudPayments' commercial trajectory.
- Sberbank Acquiring (SberBusinessPay): Sberbank is Russia's largest bank and dominant acquirer, providing internet acquiring and fiscalization to merchants nationwide. While not a pure-play fintech, its scale, captive SMB base and ability to bundle acquiring with banking and Mir/СБП rails make it the structural incumbent competitor CloudPayments must displace or co-exist with.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
CloudPayments social profiles
Digital presenceCloudPayments compliance and trust
Trust signalCompliance5 records
CloudPayments financial estimates
Financial estimateRevenue estimate
Valuation estimate
CloudPayments leadership team
Management profileNumber of profiles
CloudPayments subsidiaries and ownership
Company hierarchySubsidiaries4 records
CloudPayments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CloudPayments M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CloudPayments
What does CloudPayments do?
CloudPayments operates a cloud-based internet acquiring and payment gateway platform enabling merchants to accept online payments via bank cards (Visa, Mastercard, Mir, UnionPay), fast pay-services (T-Pay, SberPay, Mir Pay, SBP), installments, and foreign cards. The platform is accessible via widget, checkout script, mobile SDK, REST API, and CMS modules. Adjacent modules include CloudKassir for 54-FZ cloud fiscalization, CloudTips for cashless tips and donations, CloudSoft for global SaaS payments, and Safe Deal escrow for marketplaces.
Is CloudPayments a public or private company?
CloudPayments is a private company. It is classified as corporate owned and is currently operating.
When was CloudPayments founded?
CloudPayments was founded in 2014. It employs 51 to 100 people.
Where is CloudPayments based?
CloudPayments is headquartered in Moscow, Russia, in the Europe region.
How does CloudPayments make money?
Five revenue lines are on record. Internet acquiring / payment processing is the primary driver. The others are cloudKassir — cloud cash register rental, cloudTips service, cloudSoft SaaS and agent/partner program fees.
Who are CloudPayments's main competitors?
Direct peers on record are YooKassa, Robokassa, Platron, Assist, Uniteller, Chronopay, Paymaster and RBK Money. Broad incumbents are Tinkoff.Kassa (T-Bank) and Sberbank Acquiring (SberBusinessPay).
Does CloudPayments have an API?
Yes. REST API for payment processing, including payment authorization, capture, cancellation, refunds, token-based payments (recurring), payout operations, transaction management, subscription handling, and fiscal document management. Supports merchant authentication, idempotency keys, and webhook notifications. Available at https://api.cloudpayments.ru. Mobile SDKs available for Android and iOS integration. Developer documentation is at developers.cloudpayments.ru.
What industry is CloudPayments in?
CloudPayments's product category is Online Payment Processing. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure. Its NAICS code is 522320 and its SIC code is 7374.