IntellectMoney

What IntellectMoney does

IntellectMoney is a Russia-domiciled payment service provider founded in 2009, operating from Tambov (legal entity) and Moscow (commercial operations), that delivers online payment acceptance, mass payouts, recurring billing, and online cash register services to a diversified merchant base spanning e-commerce, self-employed individuals, universities and educational institutions, utilities (ЖКХ), microfinance organizations, marketplaces, services marketplaces, and non-resident foreign companies. Its core technology is a universal online payment processing platform accessed through a merchant dashboard, REST API, and pre-built CMS modules, with built-in acceptance for bank cards (VISA, MasterCard, MIR), SBP (Russian Faster Payments System) via QR, tokenized mobile payments (SberPay, Gazprom Pay, Mir Pay), installment/BNPL via Yandex Split, and international schemes (Uzcard, Белкарт, UnionPay). Multi-currency settlement is supported in RUB, USD, and EUR, and the platform integrates with ten-plus online cash register partners for Russian Federal Law 54-FZ compliance. The company monetizes via transaction-based commission fees, with volume-tiered rates that range from 1.5% for utilities at scale down to 2.4% for general merchants at 60M+ rubles monthly turnover, plus revenue from partner add-on services. Operational metrics cited include 50,000+ daily transactions, a 98% successful payment rate, one-hour onboarding time, and approximately 100 fraudulent operations blocked annually, with PCI DSS certification renewed annually and Skolkovo Innovation Center resident status. GTM combines PLG self-signup, API-first developer integration, and personal-manager-assisted enterprise onboarding; the legal entity is ООО «ИнтеллектМани» (OGRN 1097746121901), private, with 11-50 employees.

Name

IntellectMoney

Legal name

ООО «ИнтеллектМани»

Website

https://intellectmoney.ru

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

IntellectMoney is a Russian payment service provider offering online payment acceptance, mass payouts, recurring billing, and fiscal-compliant online cash register services to merchants across e-commerce, education, utilities, MFOs, and non-resident segments.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Payment Gateways & Orchestration (BPAMAFAA), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Online payment processing
• Payment service provider
• Mass payouts
• Recurring billing
• Online cash registers

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Commission: Transaction-based commission fees charged as percentage of payment volume. Commission rates vary by business category and monthly turnover. Higher volumes result in lower commission rates.
2. Additional Services: Revenue from additional services including online cash registers, site creation, and other partner services.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

IntellectMoney is a Russian payment service provider offering online payment acceptance, mass payouts, recurring/subscription billing, online cash registers for 54-FZ compliance, foreign card acceptance, SBP/QR payments, and token-based mobile payments (SberPay, Gazprom Pay, Mir Pay) via API, CMS modules, and a merchant dashboard.

Product overview

IntellectMoney is a unified Russian payment service provider (PSP) offering an integrated platform for accepting online payments, managing cash registers, and disbursing funds. The product portfolio is organized around a core payment acceptance engine (Прием платежей) supported by modules for mass payouts (Массовые выплаты), recurring/subscription payments (Рекуррентные платежи), and installment payments (Оплата частями / Яндекс Сплит). Fiscal compliance is addressed through online cash register (Онлайн-кассы) and online receipt (Чеки-онлайн) modules. Additional capabilities include foreign card acceptance, СБП (faster payments) and QR code processing, token-based mobile payments (SberPay, Gazprom Pay, Mir Pay), and no-website payment acceptance. Merchants access the service via a personal dashboard (Личный кабинет) and can integrate via API or ready-made CMS modules. The platform is marketed to a broad range of business verticals including online retailers, self-employed individuals, universities, service marketplaces, utilities, MFOs, and non-residents.

Differentiator

Problem solved

Functional benefit

Brands

• Яндекс Сплит (Yandex Split): New payment method allowing customers to split payments into parts while merchant receives full amount immediately
• Рекуррентные платежи (Recurring Payments)

Products and services

• Payment Acceptance (Прием платежей) Core payment acceptance platform enabling merchants to accept bank cards (VISA, MasterCard, MIR) and other popular payment methods via online checkout, API, or hosted payment form.
• Mass Payouts (Массовые выплаты) Bulk disbursement service allowing businesses to send payments to multiple recipients simultaneously, used for marketplace seller payouts and other mass payment scenarios.
• Recurring Payments (Рекуррентные платежи) Subscription and recurring billing system enabling regular automatic card charges without manual re-entry of card data, used for subscriptions, donations, and installment plans.
• Online Cash Registers (Онлайн-кассы) Cloud-based online cash register (ККТ) service compliant with Russian Federal Law No. 54-FZ, supporting automated receipt generation and fiscal data transmission to tax authorities.
• Foreign Cards (Иностранные карты) International card acceptance service enabling merchants to accept payments from foreign-issued cards including VISA, MasterCard, Uzcard, Белкарт, and UnionPay.
• Installment Payments (Оплата частями) Buy-now-pay-later feature enabling customers to split a purchase into multiple payments, increasing conversion and average order value.
• Yandex Split (Яндекс Сплит) Yandex-branded installment payment solution allowing buyers to pay in installments while the merchant receives the full amount upfront.
• Online Receipts (Чеки-онлайн) Electronic receipt issuance service allowing merchants to issue and send digital receipts in compliance with Russian fiscal regulations.
• Merchant Dashboard (Личный кабинет) Web-based merchant portal for managing shops, invoices, transactions, recurring payments, and store settings.
• API and CMS Modules (API и модули для CMS) REST API and pre-built CMS modules (plugins) for connecting e-commerce platforms to the IntellectMoney payment system.

Quantifiable outcome

• 50,000+ transactions processed daily
• +3 more outcomes

Named customers1 record

Segments9 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• Yandex Split (Яндекс Сплит)coreTechnology or IntegrationNew payment method allowing buyers to split payments into installments. Merchants receive full amount immediately while conversion increases.
• SBP (System of Fast Payments)coreTechnology or IntegrationRussian instant payment system integration for QR code and fast payments.
• SberPay, Gazprom Pay, Mir PaycoreTechnology or IntegrationToken-based payment solutions for mobile app payments without entering card details.
• Skolkovo Technology Park (Сколково)coreStrategic or Co-development PartnerRecognized as a resident of the Skolkovo innovation center, Russia's premier technology park supporting innovative companies.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• YooKassa: Largest Russian online payment service provider (formerly Yandex.Kassa, now backed by SberBank ecosystem). Directly competes with IntellectMoney across payment acceptance, recurring billing, and BNPL for Russian e-commerce and SMBs.
• Uniteller: Russian payment service provider focused on online acquiring, mass payouts, and fiscal compliance under 54-FZ. Comparable to IntellectMoney in product scope and SMB/mid-market focus.
• PayMaster: Russian online payment service offering acquiring, mass payouts, and alternative payment methods for SMBs and individual entrepreneurs. Direct competitor to IntellectMoney's lower-tier merchants.
• Robokassa: Russian universal online payment gateway supporting bank cards, e-wallets, mobile commerce, and recurring billing. Closely comparable mid-market PSP competitor serving Russian merchants and individual entrepreneurs.
• Assist: Russian payment gateway and processing service offering card acquiring and alternative payment methods. Competes in the same Russian online merchant segment with similar product breadth.
• PayAnyWay (MONETA.RU): Russian multi-method payment service supporting cards, e-money, and bank transfers for e-commerce. Comparable in product breadth and Russian SMB customer base.
• Tinkoff Pay: Acquiring and online payment service from Tinkoff Bank, Russia's largest digital bank. Competes head-to-head with IntellectMoney for Russian merchants, leveraging banking balance sheet for pricing and distribution advantages.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/intellect_money
• Facebookfacebook.com/274449043544
• LinkedInlinkedin.com/company/intellectmoney

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 IntellectMoney