PayAnyWay
PayAnyWay is a Russian online payment acceptance service operated by CBR-licensed NKO MONETA (LLC), enabling SMBs, enterprises, self-employed, marketplaces and MFOs to accept card, SBP QR and e-wallet payments across web, mobile and social channels since 2005.
- Company typePrivate
- Founded2005
- HeadquartersYoshkar-ola, Russia
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What PayAnyWay does
PayAnyWay is an online payment acceptance service operated by NKO MONETA (LLC) (Non-bank Credit Organization MONETA), a Russian payment institution headquartered in Yoshkar-Ola and licensed by the Central Bank of Russia under License No. 3508-K (issued November 29, 2017). The service, which has been processing payments since 2005 for more than 12,000 merchant recipients, enables individuals, sole proprietors, legal entities and non-residents to accept online payments for goods and services across websites, mobile applications and social networks.
The platform's product surface spans Internet acquiring (Visa, MasterCard, MIR), Faster Payments System (SBP) QR acceptance, 54-FZ-compliant online cash register integration with 17 cash register partners, and purpose-built solutions for self-employed individuals, marketplaces (with hold and split-payment features) and microfinance organizations. Underlying technology includes the WSDL/SOAP-based MerchantAPI and the Moneta.Assistant payment form interface, supported by SDKs for Android, C#, PHP, PhoneGap, Python3 and Ruby, and a library of 109 pre-built CMS modules covering platforms such as 1C-Bitrix, WooCommerce, OpenCart, Magento and Drupal. The platform is PCI DSS Version 2.0 Level 1 certified and uses GOST R 34.10-2012 electronic digital signatures for fiscal compliance.
PayAnyWay operates a transaction-based revenue model with tiered take rates: 4.15% on bank card payments for monthly turnover up to 1 million rubles and 3.3% above that threshold; 0.7% on SBP QR payments (0.4% for selected categories); and from 3% for marketplace processing plus 1.5% + 50 RUB for card payouts. Connection is free with no minimum turnover, and commission is charged only on successful transactions. Distribution is primarily self-service online registration with same-day activation, supplemented by a direct sales team for enterprise integrations and an API/developer ecosystem for technical merchants. Operations are confined to the Russian domestic market, with explicit geographic exclusions for countries imposing sanctions on the Russian Federation.
PayAnyWay firmographics
Firmographics- Name
- PayAnyWay
- Legal name
- Non-bank Credit Organization MONETA (LLC) / НКО «МОНЕТА» (ООО)
- Website
- https://payanyway.ru
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- PayAnyWay is a Russian online payment acceptance service operated by CBR-licensed NKO MONETA (LLC), enabling SMBs, enterprises, self-employed, marketplaces and MFOs to accept card, SBP QR and e-wallet payments across web, mobile and social channels since 2005.
- Ownership category
- akta.pro rank
PayAnyWay industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Miscellaneous Business Credit Institution (6159), Finance Services (6199)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Payment Orchestration Platforms (FSAGABAA), Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE), Marketplace & Platform Seller Payouts (FSAMAKAE)
Keywords
Where PayAnyWay is headquartered
LocationHeadquarters
- HQ city
- Yoshkar-ola
- HQ country
- Russia
- HQ region
- Europe
Offices1 record
Markets served
PayAnyWay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Infrastructure, Personnel, Marketing or Sales
Revenue model
- Transaction Fees - Bank Cards: Commission charged on successful card payment transactions. Tiered pricing: 4.15% for monthly turnover up to 1 million rubles, 3.3% for amounts exceeding 1 million rubles per month. No fees for failed or declined transactions.
- Transaction Fees - Faster Payments System (SBP): Commission for QR code payments through Russia's Faster Payments System. Standard rate of 0.7%, with reduced rate of 0.4% available for selected business categories.
- Marketplace Commission: For marketplace platforms, fee for accepting payments starts from 3%. Additional 1.5% plus 50 RUB fee for payouts to merchant cards.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Bank Cards: 4.15% up to 1M ₽/month, 3.3% above 1M ₽/month |
| Transaction based/ take rate | Pay-as-you-go | Faster Payments System (SBP): 0.7% standard, 0.4% for selected categories |
| Transaction based/ take rate | Pay-as-you-go | Marketplace payments: from 3% |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
PayAnyWay product offering
Product offeringCore offering
PayAnyWay is a comprehensive online payment acceptance platform operated by NKO MONETA (LLC), enabling merchants to accept payments via bank cards (Visa, MasterCard, MIR), Russia's Faster Payments System (SBP) QR codes, and e-wallets on websites, mobile apps, and social networks. The platform offers internet acquiring, online cash register integration under Federal Law 54-FZ, recurring payments, payment holds, mass payouts, split payments for marketplaces, and developer-facing APIs supported by 109 pre-built CMS modules.
Product overview
PayAnyWay is a comprehensive payment acceptance platform operated by NKO MONETA (LLC), offering multiple integrated products: Internet Acquiring for card payments (Visa, MasterCard, MIR), Faster Payments System (SBP) for QR code payments, and Online Cash Register (Kassa) integration with 17 cash register manufacturers for 54-FZ compliance. The platform provides specialized solutions for self-employed individuals, marketplaces (with холдирование and сплитование features), and microfinance organizations. Developer access is enabled through API Solution, MerchantAPI (SOAP/WSDL), and Moneta.Assistant interface, supported by SDKs for Android, C#, PHP, PhoneGap, Python3, and Ruby. Additional services include recurrent payments, payment holds, cashouts to cards, refunds, and invoice billing. The platform integrates with 70+ CMS platforms including 1C-Bitrix, WooCommerce, OpenCart, PrestaShop, Magento, and WordPress.
Differentiator
Problem solved
Functional benefit
Brands
- Kassa.payanyway: Online cash register service integrated with Federal Law No. 54-FZ for fiscalization of receipts.
- e-com.payanyway.ru
- Moneta.ru
- Marketplace.payanyway
- MFO.payanyway
- Self-employed portal
- APISolution.payanyway
Products and services
- Internet Acquiring (Интернет-эквайринг) Online payment acceptance service enabling merchants to accept bank card payments (Visa, MasterCard, MIR) on websites, mobile apps, and social networks, with features including one-click refunds, customizable payment methods, and transaction history.
- Faster Payments System / SBP (Система быстрых платежей) QR code-based payment acceptance service via Russia's Faster Payments System, offering low transaction fees (0.7% standard rate, 0.4% for selected business categories).
- Online Cash Register / Kassa (Касса) Integration service connecting merchants with 17 online cash register manufacturers for Federal Law 54-FZ fiscal compliance, generating fiscalization requests for receipts including pre-payments and refunds.
- Self-employed Solution (Самозанятым) Payment acceptance solution designed for self-employed individuals (самозанятые) in Russia, enabling payment collection on websites and social networks without complex business registration.
- Marketplace Solution Payment solution for C2B, B2C, and C2C marketplaces featuring commission management, fund holding (холдирование), payment splitting (сплитование), and compliance with Federal Law 54-FZ.
Quantifiable outcome
- Connection in 1 business day
- +1 more outcomes
Companies that use PayAnyWay
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles4 records
PayAnyWay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration70 records
Feature6 records
PayAnyWay partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Online Cash Register Manufacturers (17 Partners)corePartnership with 17 online cash register manufacturers for 54-FZ compliance integration. Kassa.payanyway.ru service generates fiscalization requests for checks including pre-payments and refunds through partnered hardware.
- CMS Platform DeveloperscorePre-built payment modules developed and maintained for 109 content management systems including 1C-Bitrix, WooCommerce/WordPress, OpenCart, Magento, Joomla, Drupal, MODX, and many others. Modules enable seamless payment acceptance without custom development.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
PayAnyWay competitors and assessment
Company assessmentDirect peers
- YooKassa (formerly Yandex.Kassa): Russia's largest online payment gateway, operated by a JV of Yandex and Sberbank. Directly competes with PayAnyWay in internet acquiring, SBP acceptance, 54-FZ cash register integration, and marketplace splitting for Russian merchants, with significantly larger scale and ecosystem leverage.
- Uniteller: Established Russian internet acquiring provider serving online merchants, ticketing platforms, and insurance buyers with similar transaction-fee pricing and CMS integrations, competing directly for the same mid-market Russian merchants that PayAnyWay targets.
- CloudPayments (Russia): Russian PCI DSS-compliant payment gateway focused on internet acquiring, recurring billing, and holding/auth for online merchants — a direct technological and go-to-market competitor to PayAnyWay's API and payment-hold products.
- Robokassa: Russian online payment aggregator serving SMBs and marketplaces with internet acquiring, e-wallet acceptance, and mass payouts — overlapping almost product-for-product with PayAnyWay's card, SBP QR, and marketplace split offerings.
Others
- Adyen: Global unified payments platform offering payment gateway, acquiring, and marketplace split functionalities — an architectural and product-line analog to PayAnyWay's API-first, multi-method, marketplace-capable stack, even though Adyen is not a Russian-market competitor.
Broad incumbents
- QIWI: Long-standing Russian fintech offering acquiring, e-wallets, payment kiosks, and consumer credit — overlaps with PayAnyWay's merchant acquiring and self-employed use cases as part of QIWI's broader portfolio of payment and banking services.
- Alfa-Bank Acquiring: Major Russian universal bank providing internet acquiring, SBP onboarding, and 54-FZ services for merchants — competes with PayAnyWay for mid-market and enterprise Russian merchants through bank-bundled pricing.
- SberBank Business Online (Acquiring): Dominant state-linked Russian bank's merchant acquiring and 54-FZ cash register services for the full SMB-to-enterprise spectrum — provides banking, lending, and payments in one bundle, out-distributing PayAnyWay for enterprise merchant accounts.
- Tinkoff (T-Bank) Acquiring: Acquiring arm of Russia's largest digital bank, integrating payment acceptance with bank accounts, lending, and SMB banking. Competes with PayAnyWay for Russian SMB merchants via bundled bank-plus-payment pricing and ecosystem reach.
Emerging players
- Modulbank: Russian digital bank for entrepreneurs and small businesses that bundles acquiring, settlement accounts, and tax/regulatory tooling — competes with PayAnyWay for sole proprietors and small IP with deeply integrated payments-plus-banking positioning.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights5 records
Customer concentration
PayAnyWay social profiles
Digital presencePayAnyWay compliance and trust
Trust signalCompliance4 records
PayAnyWay financial estimates
Financial estimateRevenue estimate
Valuation estimate
PayAnyWay leadership team
Management profileNumber of profiles
Profiles1 record
PayAnyWay subsidiaries and ownership
Company hierarchySubsidiaries1 record
PayAnyWay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PayAnyWay 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 PayAnyWay
What does PayAnyWay do?
PayAnyWay is a comprehensive online payment acceptance platform operated by NKO MONETA (LLC), enabling merchants to accept payments via bank cards (Visa, MasterCard, MIR), Russia's Faster Payments System (SBP) QR codes, and e-wallets on websites, mobile apps, and social networks. The platform offers internet acquiring, online cash register integration under Federal Law 54-FZ, recurring payments, payment holds, mass payouts, split payments for marketplaces, and developer-facing APIs supported by 109 pre-built CMS modules.
Is PayAnyWay a public or private company?
PayAnyWay is a private company. It is classified as unknown and is currently operating.
When was PayAnyWay founded?
PayAnyWay was founded in 2005. It employs 1 to 10 people.
Where is PayAnyWay based?
PayAnyWay is headquartered in Yoshkar-ola, Russia, in the Europe region.
How does PayAnyWay make money?
Three revenue lines are on record. Transaction Fees - Bank Cards are the primary driver. The others are transaction Fees - Faster Payments System (SBP) and marketplace Commission.
Who are PayAnyWay's main competitors?
Direct peers on record are YooKassa (formerly Yandex.Kassa), Uniteller, CloudPayments (Russia) and Robokassa. Adyen is listed as an others. Broad incumbents are QIWI, Alfa-Bank Acquiring, SberBank Business Online (Acquiring) and Tinkoff (T-Bank) Acquiring. Modulbank is listed as an emerging player.
Does PayAnyWay have an API?
Yes. MerchantAPI is a WSDL-compliant web service using SOAP protocol for information transfer. Security is ensured by HTTPS. Authorization uses unique username and password combination. The API supports: debiting user accounts and crediting merchant accounts; debiting merchant accounts and crediting user accounts; getting user information; getting transaction history with filters; getting detailed transaction information. Moneta.Assistant interface allows connecting merchant order recording systems with Moneta.Ru payment system. Developer documentation is at docs.moneta.ru/assistant/v2/index.html.
What industry is PayAnyWay in?
PayAnyWay's product category is Payment Processing. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAGABAA, Payment Orchestration Platforms. Its NAICS code is 52232 and its SIC code is 6159.