What Best2Pay does

Best2Pay (ООО "Best2Pay") is a Russian payment aggregator and processing company founded in 2012 and headquartered in Saint Petersburg. The company operates as an internet-acquiring platform that routes online card payments, Yandex Pay, and SBP (Fast Payment System) transactions through its proprietary 'Система интернет-платежей Best2Pay' core system and the 'B2P: Back-office' management platform — both held under exclusive registered rights — alongside cloud-based 54-FZ fiscalization. Best2Pay holds PCI DSS Level 1 certification and is registered as an accredited IT organization (No. 7594, Sept 18, 2017); regulated payment-aggregation activity is conducted through licensed settlement banks Sovcombank (since March 2022) and Bank Payding (since May 2024).

The company's product surface is segmented into three go-to-market lines: internet acquiring and 54-FZ fiscalization for online merchants and e-commerce (with 19+ ready-made CMS modules plus direct API); specialized services for banks and MFOs including card-to-card transfers, IVR-based payment acceptance, loan repayment processing, and mass payouts; and white-label infrastructure for marketplaces and aggregators including virtual card issuance, a Financial Cloud with payment splitting, and Secure Deal escrow. A Buy Now Pay Later platform operates under an agency-contract model. Best2Pay serves Russian banks, microfinance organizations, online retailers, and marketplace operators across more than 19 CMS-integrated distribution channels.

Best2Pay's revenue model is transaction-based, with individually negotiated commission rates by client tier — no public rate card is disclosed. The company derives fees from card processing, card-to-card transfers, loan repayment channels (AFT/AFT+PURCHASE/PURCHASE), virtual card services, escrow transactions, and bundled fiscalization. Distribution combines enterprise direct sales with account management, white-label embedded agreements with banks and marketplaces, a developer API, and downloadable CMS modules. The firm operates exclusively in Russia and reports 11–50 employees. No public funding rounds, M&A, or disclosed revenue figures were present in the source material.

Name

Best2Pay

Legal name

Obshchestvo s ogranichennoy otvetstvennostyu "Best2Pay" (OOO "Best2Pay")

Website

https://best2pay.net

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Best2Pay is a Saint Petersburg-based Russian payment aggregator providing PCI DSS Level 1 certified internet acquiring, card-to-card transfers, virtual cards, BNPL, and 54-FZ fiscalization to banks, MFOs, online merchants, and marketplace operators across Russia.

Ownership category

akta.pro rank

Headquarters

HQ city

Saint Petersburg

HQ country

Russia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Internet Acquiring / Payment Processing Fees: Best2Pay charges merchants a commission fee for processing online card payments. The fee structure is individualized per client based on their application review. This is the primary revenue stream for serving online businesses.
2. Card-to-Card Transfer Fees: Fees charged for card-to-card money transfers between cards of any issuers worldwide. Used by banks as part of loyalty programs and white-label B2P transfers.
3. Credit/Loan Repayment Processing: Revenue from processing loan repayment and account top-up payments for banks and MFOs, using AFT, AFT+PURCHASE, and PURCHASE payment channels.
4. Virtual Card Services: Revenue from issuing and managing virtual cards for MFOs (for loan disbursements) and marketplaces (for marketplace payouts, freelancer payments, tips, bonuses).
5. Secure Transaction (Escrow) Fees: Fees from the secure deal/escrow service used on marketplaces and platforms, charged to the aggregator.
6. Fiscalization Services: Cloud cash register services for 54-FZ compliance. Free connection and no subscription fee; revenue is bundled with acquiring services. Alternative partner Kass software services are paid separately by the client.
7. BNPL Platform Services: Revenue from the Buy Now Pay Later platform accessed via an agency contract model.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Best2Pay is a Russian payment aggregator that provides internet acquiring, card-to-card transfers, mass payouts, IVR-based payment acceptance, loan repayment processing, instant virtual card issuance, a white-label Financial Cloud, secure escrow, BNPL, and 54-FZ cloud fiscalization. Its services are delivered through proprietary software (Internet Payment System Best2Pay, B2P: Back-office) and a REST API plus ready-made modules for 19+ CMS platforms, targeting banks, microfinance organizations, online merchants, and marketplace aggregators operating in Russia.

Product overview

Best2Pay is a Russian payment aggregator and processing company offering a comprehensive suite of online payment solutions organized into three main segments: (1) Internet acquiring solutions for businesses and banks, including card payments, Yandex Pay, and SBP (Fast Payment System); (2) Specialized services for banks and MFO including card-to-card transfers, IVR-based payments, loan repayment processing, and mass payouts to cards; and (3) Aggregation tools for marketplaces including virtual cards, a financial cloud with payment splitting, and secure escrow transactions. The company also provides a BNPL (Buy Now, Pay Later) platform. All solutions are supported by PCI DSS Level 1 certification and include optional 54-FZ fiscalization via integrated cloud cash register partners (CloudKassir, ATOL Online, Business.Ru). The product portfolio is available through ready-made CMS modules (for platforms including 1C-BITRIX, WooCommerce, OpenCart, PrestaShop, and others) and via direct API integration.

Differentiator

Problem solved

Functional benefit

Products and services

• Internet Acquiring for Business (Интернет-эквайринг для бизнеса) Online payment acceptance solution enabling merchants' customers to pay via bank cards, Yandex Pay, and the Russian SBP (Fast Payment System), with integrated 54-FZ fiscalization. Targeted at online businesses and e-commerce merchants operating in Russia.
• Internet Acquiring for Banks (Интернет-эквайринг для банков) Internet acquiring solution for banks, deployed on bank websites and digital banking (DBO) platforms, accepting any bank card with built-in 54-FZ fiscalization support. Targeted at Russian banks.
• Card-to-Card Transfers (Переводы с карты на карту) Instant card-to-card money transfers between Visa, Mastercard, Maestro, and MIR cards worldwide, with variable commission rates suitable for bank loyalty programs and white-label B2P transfer services. Targeted at banks and MFOs.
• IVR Payment Acceptance (Прием платежей через IVR) Telephone-based payment acceptance using DTMF tone dialing for card number entry, enabling customers to pay during phone calls without visiting a website or entering CVC/CVV, available 24/7. Targeted at banks and MFOs for soft-collection and telephone sales.
• Loan Repayment and Account Replenishment (Погашение кредитов, пополнение счетов) Adaptive toolkit for instant credit and loan payments via AFT, AFT+PURCHASE, and PURCHASE payment channels, supporting bank websites, mobile banking, and third-party platforms with anti-fraud protection and MPI 3DS authentication. Targeted at banks and MFOs.
• Payouts to Cards (Выплаты на карты) Mass payout solution for banks, MFOs, and businesses to send money to any number of clients via card or bank account transfers, including registry-based bulk disbursements. Targeted at banks, MFOs, and businesses.
• Virtual Cards (Виртуальные карты) White-label virtual card solution for MFOs and marketplaces with instant issuance, simplified online identity verification, API-based limit management, merchant category restrictions, and up to 5-year validity, including in-app provisioning. Targeted at MFOs and marketplace aggregators.
• Financial Cloud (Финансовое облако) White-label payment infrastructure for marketplaces providing payment splitting between suppliers, instant settlements, free inter-participant transfers, and rental service settlement with card-on-file support. Targeted at marketplace aggregators.
• Secure Transaction / Escrow (Безопасная сделка) Escrow service for marketplace and e-commerce platforms where funds are held in reserve (up to 7 days) until the aggregator confirms deal completion, with up to 30-day transaction period and delivery cost coverage in a single payment. Targeted at marketplace and platform aggregators.
• BNPL Platform (BNPL-платформа) Buy Now, Pay Later platform enabling installment payments for goods in online stores, with an agency contract model for platform operators. Targeted at online retailers and marketplaces in Russia.
• Cloud Cash Register / 54-FZ Fiscalization (Облачная касса, 54-ФЗ) Cloud-based online cash register solution for 54-FZ compliance, providing free fiscal receipts without merchants having to purchase their own KKT (cash register). Includes integration with CloudKassir, ATOL Online, and Business.Ru fiscalization partners. Targeted at Russian online businesses.

Quantifiable outcome

• 99.99% guaranteed SLA for payment processing
• +4 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration27 records

Feature10 records

Partnerships

Eight partnerships are on record, tiered core.

• Bank 'Payding' (ООО Банк «Пэйджин»)coreTechnology or Integration · 8 May 2024Bank 'Payding' (PaymentKit) serves as a settlement bank for Best2Pay. License No. 3543 from October 9, 2025, INN 7813662356, based in Saint Petersburg. Agreement No. ПА-7813531811-3 dated May 8, 2024.
• Sovcombank (ПАО «Совкомбант»)coreOthers · 3 March 2022Sovcombank serves as a settlement bank for Best2Pay's payment aggregation activities. License No. 963, INN 4401116480, based in Kostroma. Agreement No. БПА-3629575/22 dated March 3, 2022. Sovcombank is one of Russia's largest banks.
• Russian Ministry of Digital Development (Registered as Accredited IT Organization No. 7594)coreOthers · 18 September 2017Best2Pay is registered in the register of accredited organizations conducting activities in the field of information technology under No. 7594 from September 18, 2017, issued by the relevant Russian government body.
• Visa (International Payment System)coreTechnology or IntegrationVisa is listed as a partner international payment system. Best2Pay's acquiring and card transfer services support Visa cards globally.
• Mastercard (International Payment System)coreTechnology or IntegrationMastercard is listed as a partner international payment system. Best2Pay's acquiring and card transfer services support Mastercard cards globally.
• MIR (МИР — Russian National Payment System)coreTechnology or IntegrationMIR is listed as a partner payment system. Best2Pay supports MIR cards for acquiring and card transfers within Russia.
• Yandex PaycoreTechnology or IntegrationYandex Pay is natively integrated into Best2Pay's payment form — no additional integration required. Customers can pay via Yandex Pay directly on merchant websites using Best2Pay's acquiring.
• SBP (Система Быстрых Платежей / Fast Payment System)coreTechnology or IntegrationSBP is natively integrated into Best2Pay's payment form as an alternative payment method alongside bank cards, requiring no additional integration by the merchant.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• YooKassa (formerly Yandex.Kassa): Russia's largest online payment acceptance service, now majority-owned by Sberbank. Offers internet acquiring, fiscalization, and payment solutions to businesses — directly competing with Best2Pay's core acquiring product across the same Russian merchant base.
• Assist: Long-established Russian payment processor providing internet acquiring, fiscalization, and payment solutions to banks and businesses. Overlaps with Best2Pay's bank-segment acquiring and 54-FZ compliance products.
• CloudPayments: Russian payment service provider specializing in internet acquiring, recurring billing, and tokenized payments for online merchants. Directly comparable to Best2Pay's acquiring and white-label card processing offerings.
• Uniteller: Russian payment service provider offering acquiring, payment processing, and POS solutions. Targets similar Russian merchants and SMB segments as Best2Pay.
• Robokassa: Russian payment aggregator offering internet acquiring, alternative payment methods, and integration modules for online stores. Directly competes with Best2Pay in the Russian SMB and e-commerce acquiring market.
• Paymaster: Russian payment aggregator supporting a wide range of payment methods including bank cards, e-wallets, and mobile commerce. Competes with Best2Pay for Russian online merchant acquiring volume.
• Tinkoff Payments (T-Pay): Payment acquiring arm of T-Bank (formerly Tinkoff), one of Russia's leading digital banks. Provides internet acquiring and payment infrastructure for Russian e-commerce and SMBs, overlapping with Best2Pay's business segment.

Broad incumbents

• Stripe: Global payment infrastructure platform offering acquiring, APIs, and developer-friendly integrations. Comparable in technology architecture (API-first, CMS plugins) to Best2Pay but operates at global scale in markets where Best2Pay does not compete.
• Yandex Pay: Yandex's digital payments platform with deep wallet functionality and broad acceptance across Russian merchants. Natively integrated into Best2Pay's payment form but also a broader payment ecosystem competing for the same merchant relationships.
• SberBusinessPay: Sberbank's B2B payment and acquiring division for Russian enterprises, bundled into the country's largest bank's offerings. Provides a much broader financial-services ecosystem that overlaps with Best2Pay's enterprise acquiring and payouts.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/best2pay
• LinkedInlinkedin.com/company/best2pay

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Best2Pay