What Moneta.ru does

Moneta.ru is a Russian Non-bank Credit Organization (NKO) that operates an electronic payment system and payment aggregation platform. Founded in 2005 and registered as an NKO in 2012, the company holds banking-operations License No. 3508-K from the Central Bank of Russia (issued November 29, 2017) and is headquartered in Yoshkar-Ola, Republic of Mari El. Its flagship offerings are the Moneta.ru consumer e-wallet and the PayAnyWay merchant payment-aggregation service, supported by 9 payment gateways, direct participation in the MIR national card system and the SBP (System of Fast Payments), and integrations with 17 online cash register partners for fiscalization compliance. The platform supports C2C, C2B, B2C, B2B, and C2B2C marketplace settlement flows with built-in holding, split-payment, and commission-management features.

The company serves a two-sided customer base: individual consumers using the e-wallet for transfers, SBP payments, and bill payments, and approximately 10,000 partner companies (internet merchants, marketplaces, and enterprise clients including Rostelecom, Rosselhozbank, Skyeng, GetCourse, Boxberry, and Tutu) using the PayAnyWay aggregator for payment acceptance. A separate segment targets non-resident companies with Russian INNs for cross-border payment acceptance. Distribution combines a self-service merchant portal (payanyway.ru), a direct enterprise sales channel, API-based integration, and partnerships with Russian Post, terminal networks, and platform partners such as Yandex.Taxi.

Moneta generates revenue primarily through transaction-based fees — 2-2.5% on bank-card top-ups, 3% on Elecsnet wallet top-ups, and various fees on withdrawals and transfers — alongside merchant processing commissions on the PayAnyWay aggregation side. SBP transfers and internal identified-user transfers are offered at 0% commission, a strategic pricing choice to drive wallet adoption. The company is privately held with 51-100 employees, 90 million rubles of charter capital, no disclosed institutional funding or parent entity, and revenue figures that are not publicly disclosed. Operating exclusively within Russia, Moneta is exposed to the regulatory and macroeconomic environment of the Russian Federation, including post-2022 sanctions-related constraints on cross-border payment rails.

Name

Moneta.ru

Legal name

Небанковская кредитная организация «МОНЕТА» (общество с ограниченной ответственностью)

Website

https://moneta.ru

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

51–100 employees

Short description

Moneta.ru is a Russian Non-bank Credit Organization operating the Moneta.ru consumer e-wallet and the PayAnyWay merchant payment aggregator, serving individual users and approximately 10,000 partner companies with 9 payment gateways, SBP and MIR participation, and fiscalization integrations across 17 cash register partners.

Ownership category

akta.pro rank

Product category

Electronic Payment Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Functions Related To Depository Banking, Nec (6099), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)

akta.pro secondary industries

Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC), Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks) (FSABALAB)

Keywords

• Electronic payment services
• Payment aggregation
• Internet acquiring
• E-wallet services
• Marketplace settlement

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Commission: Commission fees charged to merchants for processing online payments through the PayAnyWay platform. The company serves as a payment aggregator providing payment acceptance infrastructure for online stores.
2. User Transaction Fees: Fees charged to individual users for various transactions including bank card withdrawals (2%, min 60 rubles), wallet top-ups, and certain payment methods. Internal transfers between identified users are free.
3. Electronic Money Transfers: Fees for electronic money transfers including withdrawal to bank accounts and cards, with specific rates depending on the method used.
4. Settlement Services for Marketplaces: Marketplace settlement infrastructure with commission management, holding, and split-payment features for various C2C, C2B, B2C, B2B models.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Moneta.ru is a Russian non-bank credit organization (NKO) that operates an electronic payment system providing an e-wallet platform for individual users and a payment aggregation service (PayAnyWay) for online merchants, marketplaces, and legal entities. The company processes online payments through 9 payment gateways supporting bank cards, SBP, MIR, and pay-services, while offering settlement infrastructure with holding and split-payment features for marketplace transactions across C2C, C2B, B2C, B2B, and C2B2C models.

Product overview

Moneta.ru operates as a Non-Bank Credit Organization (NKO) providing a multi-component payment ecosystem. The core offering consists of the Moneta.ru electronic wallet platform for individual users, combined with the PayAnyWay payment aggregator service for business clients. Supporting infrastructure includes a billing platform for internet projects, marketplace settlement systems with hold and split features, electronic wallet API for custom business integration, and fiscal receipt generation through 17 integrated cash register partners. The platform directly participates in the MIR and SBP (Faster Payments System) Russian payment networks. Settlement services for legal entities and banking payment agent networks extend the ecosystem to enterprise clients.

Differentiator

Problem solved

Functional benefit

Brands

• PayAnyWay: Payment aggregation service for online merchants operated by НКО «МОНЕТА» (ООО). Allows legal entities, individual entrepreneurs, and self-employed persons to accept payments.

Products and services

• Moneta.ru Electronic Wallet

Quantifiable outcome

• Zero commission for SBP transfers (both top-up and withdrawal) for identified users
• +3 more outcomes

Named customers15 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• PayAnyWaycoreOEM/ Whitelabel/ Licensing Partner · 1 January 2005PayAnyWay is the merchant-facing brand of NKO MONETA (LLC), providing payment aggregation services for online stores and e-commerce businesses. The PayAnyWay platform offers internet acquiring, multiple payment method acceptance, and merchant settlement services.
• SBP (System of Fast Payments)coreTechnology or Integration · 1 January 2005Direct participant of the System of Fast Payments (SBP), Russia's instant payment system. Enables 0% commission transfers via phone numbers between banks and Moneta wallets.
• MIR Payment SystemcoreTechnology or Integration · 1 January 2005Direct participant of the MIR national payment card system, enabling acceptance of MIR cards for payments and payouts.
• Yandex.Taxi (Яндекс.Такси)coreStrategic or Co-development PartnerPlatform partnership with Yandex.Taxi for settlement services through dedicated Garage.Yandex platform integration.
• Rostelecom (Ростелеком)coreChannel Partner/ Reseller/ DistributorMajor telecommunications partner using Moneta's payment infrastructure for various services.
• Bank Partners and Correspondent BankscoreTechnology or IntegrationLarge Russian banks and credit organizations as correspondent banks and payment processing partners. Correspondent account at OKC No. 1 of Volga-Vyatka Central Bank (BIK 042202750).
• Terminal Networks and Self-Service TerminalsminorChannel Partner/ Reseller/ DistributorPartnerships with self-service terminal networks for cash deposit and withdrawal capabilities across Russia.
• Post of Russia (Почта России)minorChannel Partner/ Reseller/ DistributorPartnership with Russian Post for payment acceptance and cash settlement services.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• YooMoney: Formerly Yandex.Money, YooMoney is a leading Russian e-wallet and merchant payment aggregator directly comparable to Moneta.ru's combined wallet + acquiring offering. It competes head-to-head for the same online merchants and individual user base in Russia.
• QIWI: QIWI operates a Russian e-wallet and payment service network with strong presence among individual users and SMB merchants, including self-service terminals. Highly comparable business model to Moneta.ru's consumer wallet and merchant acquiring stack.
• Robokassa: Robokassa is a Russian universal payment aggregator and internet acquiring service supporting a wide range of payment methods for online stores, directly comparable to Moneta's PayAnyWay platform in product, customer base, and target merchants.
• Uniteller: Uniteller is a Russian payment service provider focused on internet acquiring, e-commerce, and ticketing, with a similar mix of bank card processing and e-commerce merchant solutions as Moneta's PayAnyWay.
• Assist: Assist is a long-established Russian payment service provider for online merchants, offering bank card acquiring and alternative payment methods. It is comparable in scale, age, and product scope to Moneta.ru.
• PayMaster: PayMaster is a Russian multi-method payment aggregator serving online stores and digital services, with comparable functionality to Moneta's PayAnyWay in supporting many payment methods through a single integration.
• WebMoney: WebMoney is one of the original Russian e-money systems, offering online wallets, transfers, and merchant tools. Comparable as a legacy peer-level e-wallet platform competing for the same individual user base in Russia.

Broad incumbents

• Tinkoff Payments (T-Bank): T-Bank (formerly Tinkoff) offers internet acquiring, e-wallets, and business banking bundled at significantly larger scale. It competes with Moneta for the same Russian online merchants and increasingly dominates the e-commerce acquiring market.
• Sberbank Business Online: Sberbank's online acquiring and payment solutions for businesses represent the dominant incumbent in Russian e-commerce payments. It is comparable as a much larger broad incumbent overlapping with Moneta's merchant acquiring and business banking offerings.
• Alfa-Bank Acquiring: Alfa-Bank provides internet acquiring and e-commerce payment infrastructure to Russian merchants at much larger scale. Comparable as a broad incumbent overlapping with Moneta's core payment acceptance product.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/MonetaRu

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Moneta.ru