Unitpay
Unitpay is a Moscow-based Russian payment aggregator (founded 2013) that enables SMB and mid-market online merchants to accept cards, SBP, mobile wallets, and international payments, with a free 54-FZ cloud cash register, mass payouts, and 40+ CMS/CRM integrations.
- Company typePrivate
- Founded2013
- HeadquartersMoscow, Russia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Unitpay does
Unitpay (ООО «Юнитпэйру») is a Russian payment aggregation service founded in 2013 and headquartered in Moscow, operating as a private limited liability company with 11-50 employees. The platform enables online merchants to accept payments from Russian and international customers via bank cards, the System of Fast Payments (SBP), SberPay, Tinkoff Pay, Apple Pay, Google Pay, Yandex Pay, PayPal, foreign cards (via SOM.place), Qiwi, and WebMoney, with automatic currency conversion and next-day RUB settlement. Its product suite includes a free cloud-based 54-FZ compliant online cash register (Юнит.Чеки) that removes the need to rent physical KKT terminals, mass-payouts functionality for bulk disbursement to cards and e-wallets (including Kazakhstan, Ukraine, and WMZ), recurring/subscription billing, pre-authorization (two-stage) flows, payment links with QR codes, and a proprietary 3DS-based anti-fraud system called '3ds native'. The company also publishes over 40 ready-made integration modules for CMS and CRM platforms including 1C-Bitrix, Magento 2, WooCommerce, OpenCart, Tilda, AmoCRM, RetailCRM, Bitrix24, Ecwid, InSales, and CS-Cart, alongside a REST API documented at help.unitpay.ru.
Unitpay monetizes primarily through a tiered transaction commission starting at 0.7% on internet acquiring, with volume-based rate reductions, no monthly fees for the cloud cash register, and free next-day settlement. The customer base is intentionally horizontal — SMB and mid-market merchants in infobusiness, e-commerce, mobile apps, beauty/fashion subscriptions, taxi services, and social-commerce selling via VK and Telegram — reached through a self-serve developer-first onboarding motion with personal manager support for higher-volume partners. Distribution is digital-only: an API and documentation portal, CMS/CRM module marketplaces, a self-serve partner sign-up flow, plus a referral/affiliate program. The company is led by General Director Dmitry Kozlov, holds PCI DSS Level 1 certification, integrates with key Russian payment infrastructure (T-Bank acquiring, SberPay, Qiwi, UnionPay cobadging), and is restricted from serving merchants in approximately 22 sanctioned or high-risk jurisdictions.
Unitpay firmographics
Firmographics- Name
- Unitpay
- Legal name
- OOO «Yunitpeyru» (ООО «Юнитпэйру»)
- Website
- https://unitpay.ru
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Unitpay is a Moscow-based Russian payment aggregator (founded 2013) that enables SMB and mid-market online merchants to accept cards, SBP, mobile wallets, and international payments, with a free 54-FZ cloud cash register, mass payouts, and 40+ CMS/CRM integrations.
- Ownership category
- akta.pro rank
Unitpay industry classification
Industry- Product category
- Online Payment Aggregation
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
Keywords
Where Unitpay is headquartered
LocationHeadquarters
- HQ city
- Moscow
- HQ country
- Russia
- HQ region
- Europe
Offices1 record
Markets served
Unitpay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Internet Acquiring Commission: Unitpay charges a commission fee on each successful payment processed. The base rate starts at 0.7% for internet acquiring. Commission scales with merchant volume — higher turnover yields lower rates. No rental fee for cloud online cash register; fiscal storage (фискальный накопитель) is provided.
- Cloud Online Cash Register (Юнит.Чеки): Free cloud-based fiscal cash register service (54-FZ compliant), monetized indirectly through increased merchant acquisition and retention rather than direct rental fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Cloud Online Cash Register (Юнит.Чеки) |
| Transaction based/ take rate | Pay-as-you-go | Internet Acquiring Commission |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Unitpay product offering
Product offeringCore offering
Unitpay is a Russian online payment aggregator that provides payment acceptance, mass payouts, and fiscal receipt (54-FZ) solutions for internet businesses across Russia and the CIS. Its core offering is a single integration that connects merchants to over 40 payment methods (cards, e-wallets, mobile commerce), protected by a native 3DS anti-fraud system and PCI DSS Level 1 security. Adjacent services include the free Unit.Cheki cloud-based online cash register and pre-built modules for 40+ popular CMS and CRM platforms.
Product overview
Unitpay is a Russian payment aggregation platform providing a comprehensive suite of online payment processing services. The core product is the Payment Processing service, which accepts payments via cards, mobile wallets, QR codes (SBP, SberPay, Tinkoff Pay), PayPal, and international cards. This core is extended by: Юнит.Чеки (a free cloud-based online cash register replacing hardware KKT per Federal Law 54-FZ); Mass Payouts (bulk disbursement to cards and e-wallets including Kazakhstan, Ukraine, and WMZ); and a library of 40+ ready-made CMS/CRM modules (for platforms like 1C-Bitrix, Magento 2, WooCommerce, Tilda, AmoCRM, RetailCRM). Additional modules include a Payment Widget (embeddable popup), Payment Handler webhooks (CHECK/PAY/PREAUTH/ERROR), Recurring Payments/Subscriptions API, Pre-authorization (two-stage payments), Payment Links (self-service product links with QR codes), Advance Receipt offsetting, Currency Conversion for international transactions, a proprietary 3ds native anti-fraud system, and a Referral Program for partners. Integration is available via API, widget, redirect, or one-click CMS module installation.
Differentiator
Problem solved
Functional benefit
Brands
- Юнит.Чеки (Unit.Cheki): Free alternative to online cash registers (54-FZ compliant fiscalization solution)
Products and services
- Payment Processing (Прием платежей) Core payment acceptance service that lets online merchants accept payments via over 40 methods including Visa, Mastercard, МИР, YooMoney, Qiwi, Alfa-Click, Sberbank Online, Tinkoff, and mobile commerce, secured by PCI DSS Level 1 and native 3DS anti-fraud, for internet businesses across Russia and the CIS.
- Unit.Cheki (Юнит.Чеки) Free cloud-based online cash register that automatically generates and transmits fiscal receipts compliant with Russian Federal Law 54-FZ (Онлайн-касса) at the moment a customer pays, providing full fiscalization for online stores and digital service merchants in Russia without the need to purchase or maintain physical cash register equipment.
- Mass Payouts (Массовые выплаты) Automated mass payouts service that allows marketplaces, platforms, and high-volume merchants to disburse funds to many recipients (sellers, partners, contractors, affiliates) in a single operation via a dedicated API, suitable for use cases requiring regular multi-recipient payouts.
- Recurring Payments API (Подписки и автоплатежи) Ready-made recurring billing and auto-payment solution that lets SaaS services and digital subscription businesses charge customers automatically on a recurring schedule, with dedicated APIs for creating subscriptions, checking status, listing recurring payments, and canceling subscriptions.
- CMS Modules (CMS Модули) Collection of 40+ ready-made integration modules for popular e-commerce CMS and CRM platforms, enabling online merchants to connect Unitpay payment acceptance without custom development and significantly reducing time-to-launch.
- Referral Program (Партнерская программа) Partner and affiliate referral program that allows individuals and agencies to earn commissions by referring new merchants to Unitpay, functioning as a separate revenue channel for the company.
Quantifiable outcome
- Next-day fund settlement to bank account at no extra charge
- +2 more outcomes
Companies that use Unitpay
Customer profileSegments6 records
Ideal customer profiles2 records
Unitpay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration60 records
AI capability2 records
Feature6 records
Unitpay partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Tinkoff Bank (AO «ТБанк»)coreTinkoff Bank (formerly Tinkoff Bank, rebranded as T-Bank) is a key acquiring bank partner providing card processing infrastructure. Unitpay integrates Tinkoff Pay (tinkoffpay) as a payment method and processes payments through Tinkoff acquiring terminals. Updated to reflect T-Bank branding in 2024.
- Qiwi (Qiwi Bank)coreQiwi is integrated as a payment method (qiwi wallets) for both regular and recurring payments. Unitpay supports Qiwi as both a payment acceptance method and for payout operations (card payouts to Kazakhstan and Ukraine).
- PayPalcorePayPal is integrated as a payment method (paypal) for accepting international payments. Supports currency parameter (USD, EUR) for PayPal invoices.
- Online Cash Register Partners (Atol, Modul-kassa, E-Com Kassa, Kit Online)coreUnitpay provides pre-built integrations with partner online cash register providers: Атол-касса (Atol Online), Модуль-касса (Modul-kassa), E-Com Kassa, and Kit Online. These integrations enable fiscal receipt generation per Russian Federal Law 54-FZ.
- Sberbank (SberPay)coreSberbank's SberPay (sberpay) is integrated as a payment method, enabling customers to pay using Sberbank's fast payment infrastructure via the System of Fast Payments (SBP).
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
Unitpay competitors and assessment
Company assessmentDirect peers
- Robokassa: Long-standing Russian payment aggregator offering online acquiring, mass payouts, and a large set of payment methods. Direct competitor to Unitpay across e-commerce, infobusiness, and SMB merchant segments.
- Free-Kassa: Russian payment aggregator particularly focused on digital goods, hosting, and infobusiness merchants. Overlaps with Unitpay's infobusiness segment and supports a comparable set of alternative payment methods.
- CloudPayments: Russian payment service specializing in online card acquiring with smart routing, recurring billing, and 54-FZ compliance. Direct competitor particularly in subscription billing and e-commerce.
- Paygine (Paymega): Russian payment aggregator and internet acquiring service provider for e-commerce and online services. Comparable product offering in card acquiring, alternatives, and mass payouts.
- PayMaster: Russian online payment aggregator providing card acquiring, e-wallet acceptance, and mass payouts for SMBs and digital merchants. Direct competitor with overlapping CMS integration offerings.
- YooKassa (formerly Яндекс.Касса): Russia's leading payment aggregator, originally part of Yandex and now jointly controlled with Sberbank. Directly competes with Unitpay in online acquiring, fiscal receipt compliance, mass payouts, and 40+ integrations for e-commerce and SMBs.
- Platron: Russian payment aggregator offering internet acquiring, mass payouts, and integrations for online services, telecom, and e-commerce. Overlapping customer base and product set with Unitpay.
Broad incumbents
- QIWI: Russian payment service provider offering acquiring, e-wallets, and payout infrastructure. Both a payment method integrated into Unitpay (Qiwi wallets) and a broader competitor with own merchant acquiring.
- Tinkoff Payments (T-Bank Acquiring): T-Bank's proprietary acquiring business is both a partner (core acquiring rails for Unitpay) and a competitor offering direct merchant acquiring, SBP, and SberPay-style QR payments. As a major Russian bank, it has distribution and capital advantages.
Emerging players
- RBKmoney: Russian payment aggregator offering online acquiring and payout solutions for SMB e-commerce and digital services. Comparable product surface area though smaller scale than Unitpay.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Unitpay social profiles
Digital presenceUnitpay compliance and trust
Trust signalCompliance2 records
Unitpay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Unitpay leadership team
Management profileNumber of profiles
Profiles1 record
Unitpay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Unitpay 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 Unitpay
What does Unitpay do?
Unitpay is a Russian online payment aggregator that provides payment acceptance, mass payouts, and fiscal receipt (54-FZ) solutions for internet businesses across Russia and the CIS. Its core offering is a single integration that connects merchants to over 40 payment methods (cards, e-wallets, mobile commerce), protected by a native 3DS anti-fraud system and PCI DSS Level 1 security. Adjacent services include the free Unit.Cheki cloud-based online cash register and pre-built modules for 40+ popular CMS and CRM platforms.
Is Unitpay a public or private company?
Unitpay is a private company. It is classified as unknown and is currently operating.
When was Unitpay founded?
Unitpay was founded in 2013. It employs 11 to 50 people.
Where is Unitpay based?
Unitpay is headquartered in Moscow, Russia, in the Europe region.
How does Unitpay make money?
Two revenue lines are on record. Internet Acquiring Commission is the primary driver. The others are cloud Online Cash Register (Юнит.Чеки).
Who are Unitpay's main competitors?
Direct peers on record are Robokassa, Free-Kassa, CloudPayments, Paygine (Paymega), PayMaster, YooKassa (formerly Яндекс.Касса) and Platron. Broad incumbents are QIWI and Tinkoff Payments (T-Bank Acquiring). RBKmoney is listed as an emerging player.
Does Unitpay have an API?
Yes. REST API for payment processing with methods including initPayment, getPayment, refundPayment, recurring payments (createSubscription, subscriptionList, subscriptionInfo, closeSubscription), mass payouts, offsetAdvance for receipts, and payment handler callbacks (CHECK, PAY, PREAUTH, ERROR). Supports SHA256 digital signature authentication, multiple currencies (RUB, EUR, USD, etc.), and integration via redirect, widget, or API. Available to all registered partners; subscription features require approval from Unitpay Security service. Developer documentation is at help.unitpay.ru/payments.
What industry is Unitpay in?
Unitpay's product category is Online Payment Aggregation. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer). Its NAICS code is 52232 and its SIC code is 7370.