What Soft-logic does

Soft-logic is a Russian-headquartered, independent software vendor founded in 2008 by Alexander Vorobyev, specializing in payment-processing and self-service kiosk software for banks, telecom operators, payment systems and commercial enterprises. The company operates through two Russian legal entities: OOO Soft-Logic (Barnaul, primary operating entity) and OOO Soft-Logic Management (Barnaul, client support and customization). Its core offering is the Pay-logic ecosystem, comprising the Processing Center Pay-logic (payment platform supporting 10,000+ points and 1M+ daily payments), Payment Hub Pay-logic (payment router with fraud monitoring and gateway integrations), and SmartKeeper (e-wallet system supporting up to 5 million users). The Smartix sub-brand extends the platform into parcel lockers, electronic queue management, and vertical-specific kiosks for fitness, fast food, retail, parking, utilities and ticketing.

The underlying technology is a Java/PostgreSQL stack on open-source middleware (Linux, Apache, GlassFish, Wildfly, Tomcat, Spring/Hibernate/JPA), with REST/JSON and XML for data exchange, Apache/Nginx for load balancing, and ActiveMQ/RabbitMQ/Kafka for messaging. The company publishes a documented Pay-logic Kiosk API and maintains integrations with regional payment gateways (CyberPlat, QIWI, WebMoney, LiqPay, Yandex Money), major telecom service providers (MTS, Beeline, MegaFon, Tele2, Rostelecom), card processors (Sberbank POS), POS terminal hardware vendors (ARCUS, INPAS), restaurant and fitness automation suites (iiko, r_keeper, Quick Resto, 1C:Fitness), and Russian state information systems (GIS GMP, GIS ZhKKh, FMS, PFR). Processing Center Pay-logic is included in the Russian national software registry (#2223 from 08.11.2016), and the company holds a State Registration Certificate for the program. Deployments span 20+ countries across Russia, CIS, Europe (UKR, ROU), Central Asia (AZE, BLR, KGZ), the Middle East (ARE), Southeast Asia (PHL), and the Americas (USA, MEX), with 50,000+ managed devices and 3.5M+ daily operations.

Go-to-market is enterprise field-sales-led, selling both ready-made products and fully customized implementations to large banks (MTS Bank, Russian Standard Bank, SMP Bank, Expressbank, Credit Dnipro Bank, Finca Bank, StavropolPromStroyBank) and telecom operators (Kyivstar, MTS Belarus, Beeline Kyrgyzstan). Revenue is generated through (i) one-time/perpetual software licenses for Processing Center, Payment Hub, SmartKeeper and Pay-logic Kiosk (starting at 1M-1.5M RUB with optional 15% annual support); (ii) cloud/SaaS subscription for Pay-point cloud processing and SmartKeeper Cloud (from 50K RUB/month); (iii) professional services for implementation, customization, equipment selection and consulting billed by man-hours/man-days; and (iv) annual support and maintenance at 15% of license cost. Direct enterprise sales is supplemented by partner channels with hardware OEMs, system integrators and certification programs.

Name

Soft-logic

Legal name

ООО "Софт-Лоджик"

Website

https://soft-logic.ru

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

101–250 employees

Short description

Soft-logic is a Russian independent software vendor founded in 2008 that develops the Pay-logic payment-processing ecosystem, SmartKeeper e-wallet, and Smartix self-service kiosk software, sold to banks, telecom operators, payment service providers and vertical enterprises in 20+ countries.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Software Publishers (5132), Custom Computer Programming Services (541511)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

akta.pro secondary industries

mPOS & SoftPOS (Tap-to-Phone) Solutions (FSAMADAB), Retail Cash Deposit & Smart Safe / Cash Recycling Solutions (FSAMAOAG)

Keywords

• Payment processing software
• Self-service kiosks
• Electronic wallet systems
• Parcel locker software
• Electronic queue management

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Licensing: Sale of software licenses for processing centers, payment hubs, e-wallet systems, and kiosk software. Includes perpetual licenses with annual support fees.
2. Cloud/Subscription Services: Software provision in cloud format via monthly or annual subscription. Suitable for small, medium, and large businesses. Includes Pay-point cloud processing for payment kiosks.
3. Professional Services: Implementation services, commissioning, customization, equipment selection, consulting, and technical support. Includes remote installation, integration work, and ongoing system administration.
4. Support and Maintenance: Annual support services including system configuration, new service setup, problem analysis, and technical support. Basic support at 15% of license cost per year.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Soft-logic develops and licenses software for payment systems, banks, telecom operators, and self-service kiosk networks. The core offering is the Pay-logic ecosystem—Processing Center, Payment Hub, and SmartKeeper e-wallet—combined with a full portfolio of self-service kiosk software for retail, parcel lockers, fitness, restaurants, parking, and ticketing. The company provides both ready-made products and fully customized enterprise implementations, with cloud and on-premise deployment options.

Product overview

Soft-logic offers the Pay-logic ecosystem as a comprehensive, modular payment and self-service platform. The core consists of three integrated products: the Processing Center Pay-logic (powerful payment processing platform), SmartKeeper (e-wallet/online payment system), and Payment Hub Pay-logic (payment routing complex). Around this payment core, Soft-logic provides a full portfolio of self-service kiosk solutions for retail, parcel/product/storage lockers, digital content sales, fitness clubs, fast food/restaurants, parking, utilities, and ticket sales - many marketed under the Smartix sub-brand. Additional offerings include fiscalization services (online fiscalization, fiscal farm, fiscal data operator software), blockchain/cryptocurrency solutions (crypto ATM, crypto wallet, blockchain adapter), and equipment integration services. The company also offers its own Pay-logic Linux distribution and cloud-based Pay-point processing. Products are available as ready-made solutions or fully customized implementations.

Differentiator

Problem solved

Functional benefit

Brands

• Pay-logic: Ecosystem of payment processing solutions including Processing Center, Payment Hub, and Pay-point cloud processing.
• SmartKeeper
• Smartix
• Smartix (Smart-Locker)
• Smartix (Smart-Retail)
• Pay-Point
• Pay-logic Linux

Products and services

• Processing Center Pay-logic Scalable, fast-integrated payment processing platform enabling banks, mobile operators, payment systems, and commercial organizations to accept payments via multiple instruments. Designed to support 10,000+ service points, 1M+ daily payments, and 400M+ database records.
• SmartKeeper Electronic Wallet System Online payment and e-wallet system allowing banks, terminal networks, and payment services to deploy their own private e-wallet system within an existing payment infrastructure, supporting up to 5 million users per system.
• Payment Hub Pay-logic High-tech software complex functioning as a payment router that enables payments from various funding sources and payment instruments via payment gateways, with fraud monitoring, subscription systems, and agent management modules. Throughput of 100,000+ payments per hour and 0.9-second average processing time.
• Pay-logic Kiosk Software Architecture Complete software architecture for self-service payment kiosks on Linux or Windows, including the Pay-logic Kiosk public API, server API, PaylogicD peripheral daemon, REST API, and Electron-based UI framework for kiosk business applications.
• Self-Service Retail Kiosks Modern self-checkout kiosks and electronic cashiers for retail automation that allow customers to independently form product baskets and pay via cash or card, with barcode scanning, discount programs, and integration with online sales channels.
• Parcel Lockers, Product Lockers, and Storage Lockers (Smartix) Flexible software for parcel lockers, automated storage lockers, product dispensers, and pharmacy lockers, supporting unique cell sizes, climate control (cooling/heating), custom scenarios, and REST-API integration with customer accounting systems.
• Electronic Queue System (Smartix) Web-based electronic queue management system not requiring client software installation; automates service for banks, government institutions, retail, restaurants, and other sectors, with speech synthesis, SSO via Kerberos, and unlimited customizations.
• Smart Terminal Software Development Custom Android-based software development for smart terminals and POS terminals, compliant with regional fiscal data transmission laws (54-FZ for Russia, RRO for Ukraine, SKNO for Belarus), including inventory management, financial reporting, and marketing functionality.
• Digital Content Sale Kiosks Kiosks for selling digital products such as activation keys, one-time codes, and scratch cards via an unlimited digital showcase, with cash and card payments and code delivery by print, email, SMS, or messengers.
• Fitness Club Self-Service Kiosks Kiosks for fitness clubs automating sales of training packages and memberships, with phone/email registration, RFID cards/bracelets, one-time tickets, and integration with 1C:Fitness, A&A Fitness, Helix Fitness, Fitpass, UNIVERSE Fitness, and Clubis.
• Fast Food and Restaurant Self-Service Kiosks Kiosks for food ordering and payment in fast food, restaurants, and cafes, featuring interactive menu display, order editing, loyalty programs, and integration with iiko, r_keeper, and Quick Resto.
• Parking Payment Kiosks (Parkomats) Parking payment terminals and parkomats for automated parking systems, supporting entry/exit payment, RFID cards, barcode/QR tickets, barrier system integration, and complex tariff configurations.
• Pay-point Cloud Processing Cloud-based payment terminal software offered on monthly or annual subscription, suitable for automating payment acceptance at hairdressers, fitness clubs, restaurants, amusement parks, and leisure centers.
• Crypto ATM (Cryptomat) Cryptocurrency ATM solution with crypto pawnshop functionality based on cloud crypto processing, providing software for organizing cryptocurrency exchange, sale, and purchase.
• Crypto Wallet System Self-contained software solution for building cryptocurrency wallet systems where cryptocurrencies function as payment instruments.
• Blockchain Adapter Service providing a unified API for convenient work with various cryptocurrencies, used as an integration layer for crypto payment processing.
• Utility and Mobile Operator Payment Kiosks Payment kiosks for utility companies and mobile operators that accept housing and communal services (HCS) and communication payments.
• Entertainment Event Ticket Kiosks Automated box office kiosks for selling tickets to cinemas, theaters, and museums, with software development and implementation services.
• Transport Ticket Kiosks Ticket kiosks for railway, metro, and bus stations that automate ticket sales for passenger transport companies and motor transport enterprises.
• Automatic Deposit Machines Ready-made software for automatic deposit machines that accept cash deposits.

Quantifiable outcome

• Up to 95% compliance with mobile operator requirements (Expressbank)
• +4 more outcomes

Named customers13 records

Segments8 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration38 records

AI capability6 records

Feature6 records

Partnerships

35 partnerships are on record, tiered core, major, regional, technical and regulatory.

• CyberPlatcoreTechnology or IntegrationPayment gateway integration partner. CyberPlat is a major Russian payment aggregator providing connectivity to various service providers and payment networks.
• QIWIcoreTechnology or IntegrationPayment gateway integration for QIWI wallet and terminal network. Enables payment processing through QIWI's extensive payment infrastructure.
• LiqPaycoreTechnology or IntegrationIntegration partner for LiqPay online payment system. Provides payment gateway connectivity for bank card processing.
• KazkommertsbankmajorTechnology or IntegrationIntegration with KKB payment systems for Azerbaijan market. Enables card processing through bank's infrastructure.
• Bank of BakumajorTechnology or IntegrationIntegration partner for Azerbaijan banking market. Provides card processing capabilities for regional deployments.
• OschadbankmajorTechnology or IntegrationUkrainian state bank integration for payment processing. Enables acceptance of government services and utility payments.
• MilliKartregionalTechnology or IntegrationAzerbaijan payment system integration. Provides local payment infrastructure connectivity for the region.
• WebMoneycoreTechnology or IntegrationIntegration with WebMoney electronic payment system. Enables wallet-based payment processing.
• Moneta.ruregionalTechnology or IntegrationRussian payment system integration for electronic payments and money transfers.
• PayOnlineregionalTechnology or IntegrationPayment aggregator integration for online payment processing services.
• TIETO ECOMMmajorTechnology or IntegrationNordic IT services company providing e-commerce and payment processing solutions. Integration for international deployments.
• Devino TelecomcoreTechnology or IntegrationSMS provider for payment notifications and customer communication. Devino provides reliable SMS delivery services.
• SMS OneregionalTechnology or IntegrationAlternative SMS gateway provider. Provides redundancy and regional SMS delivery options.
• MaraditregionalTechnology or IntegrationSMS services provider for Russian and CIS markets. Alternative SMS integration option.
• Sparrow SMSregionalTechnology or IntegrationSMS gateway provider for international deployments. Supports multi-country SMS delivery.
• Universal SMPPtechnicalTechnology or IntegrationSMPP protocol provider for SMS messaging. Technical integration standard for SMS connectivity.
• Beeline (VimpelCom)coreTechnology or IntegrationMajor Russian telecom operator - service provider for mobile payments. Integration for Beeline services including mobile, internet, and TV payments.
• MTS (Mobile TeleSystems)coreTechnology or IntegrationLargest Russian telecom - service provider. Enables mobile, internet, and digital services payment acceptance.
• MegaFoncoreTechnology or IntegrationRussian telecom operator for mobile payments. Integration for comprehensive service payment coverage.
• Tele2coreTechnology or IntegrationRussian mobile operator - service provider integration for mobile payments and top-ups.
• RostelecommajorTechnology or IntegrationRussian telecom giant providing internet, TV, and phone services. Integration for utility and service payments.
• DOM.ru (ER-Telecom)regionalTechnology or IntegrationRegional internet provider for apartment buildings. Enables local internet and utility payments.
• TTKregionalTechnology or IntegrationRegional telecom operator for internet and TV services. Provides service provider integration for regional markets.
• Tricolor TVmajorTechnology or IntegrationSatellite TV provider with millions of subscribers. Enables TV subscription payment acceptance.
• Yandex MoneycoreTechnology or IntegrationMajor Russian electronic payment system. Integration for Yandex Money wallet and card payments.
• Gazprom MezhregiongazmajorTechnology or IntegrationMajor gas utility company. Enables utility bill payment acceptance through payment kiosks.
• MosenergosbytmajorTechnology or IntegrationMoscow electricity provider. Integration for utility payment processing in Moscow region.
• SberbankcoreTechnology or IntegrationLargest Russian bank - POS terminal provider for card processing. Integration for card acceptance through Sberbank terminals.
• ARCUStechnicalTechnology or IntegrationRussian POS terminal manufacturer. Hardware integration for card payment acceptance on kiosks.
• INPAS DCtechnicalTechnology or IntegrationPayment terminal solutions provider. Card payment module integration for self-service kiosks.
• 1C:Fitness ClubregionalTechnology or IntegrationFitness club management software integration. Enables synchronization between kiosk sales and club management systems.
• iikocoreTechnology or IntegrationLeading Russian restaurant management system. Integration for restaurant kiosks with iiko POS and back-office systems.
• r_keepercoreTechnology or IntegrationPopular restaurant automation system (UCS). Integration enables restaurant kiosk deployment connected to r_keeper management.
• Quick RestoregionalTechnology or IntegrationRestaurant management software. Integration for restaurant kiosk solutions with Quick Resto back-office.
• GIS GMN, GIS GKH, SMEV (Government Systems)regulatoryTechnology or IntegrationRussian state information systems for government services. Integration enables payment of fines, taxes, and housing services through kiosks.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• QIWI: QIWI is a major Russian payment service provider operating its own payment terminal network, wallet, and processing infrastructure. Directly comparable to Soft-logic on payment acceptance, e-wallets and terminal/kiosk payment infrastructure (and is itself listed as a Soft-logic integration partner).
• Diasoft: Diasoft is a Russian vendor of banking automation software including payment processing, ABS and channel solutions for retail and corporate banks. Comparable Russian-software-registry-listed vendor to Soft-logic serving similar banking customers.
• INPAS: INPAS is a Russian vendor of POS and payment-terminal software solutions serving retail and banking acquiring. Comparable to Soft-logic's kiosk and POS software lines including ARCUS and INPAS DC integrations referenced in the data.
• OpenWay: OpenWay provides WAY4 payment processing and digital banking platform deployed at banks and processors in CIS and emerging markets. Like Soft-logic, OpenWay targets retail banks needing payment hubs, card processing and channel orchestration.
• Compass Plus: Compass Plus develops TranzWare and TranzAxis payment processing platforms serving banks, processors and telecoms globally. Closely comparable to Soft-logic's Pay-logic Processing Center and Payment Hub, with overlapping customer segment of banks and payment service providers.
• Qmatic: Qmatic provides electronic queue management and customer journey orchestration software for banks, healthcare and government. Direct peer to Soft-logic's Smartix electronic queue system across the same verticals.
• Center for Financial Technologies (CFT): CFT is a major Russian banking software vendor offering processing centers, e-wallets and payment infrastructure to Russian banks. Direct Russian competitor to Soft-logic with similar product scope across bank payment systems.

Broad incumbents

• 1С-Битрикс / 1C Company: 1C is the dominant Russian enterprise software publisher for SMB and enterprise automation including CRM, ERP and integration with payment systems. A broad incumbent across the Russian software ecosystem in which Soft-logic operates.
• Diebold Nixdorf: Diebold Nixdorf is a global provider of self-service kiosks, ATMs and payment hardware/software for banks and retailers. Broad incumbent competing with Soft-logic's payment kiosk and Smartix parcel locker product lines.
• ACI Worldwide: ACI Worldwide provides real-time electronic payment processing software serving global financial institutions, merchants and processors. A broad incumbent that competes with Soft-logic at the upper end of the payment hub and processing center market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/pay_logic
• Facebookfacebook.com/softlogic
• LinkedInlinkedin.com/company/soft-logic

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 Soft-logic