One integration, every payment method

Payments in milliseconds. Money by tomorrow

CentralGatePay is the payment infrastructure behind fast-growing businesses in Russia. Accept Mir cards, SBP and Pay services through a single integration, with smart routing, built-in fraud defense and settlement you can actually plan around.

Get started See a payment run

No setup fees
Go live in 1 day
24/7 human support

Live authorizationApproved

Captured amount

₽12,840.00

Method: Mir card · Dolyame, 4 installments
Routing: Primary → optimized
Risk score: Low · 0.04
Authorization time: 184 ms
Settlement: D+1

98.7%approval rate

≈33%of soft declines recovered on retry

Accept:

Mir SBP SberPay T-Pay Mir Pay Dolyame Visa and Mastercard by Russian banks

Solutions

Everything you need to move money, in one place

Acquiring, routing, risk and payouts run on the same platform. One contract, one dashboard, one reconciliation file, no matter how many methods you accept.

Online payments

Cards, SBP, Pay services and pay-in-installments, all under a single balance.

Authorization and capture in one call
Pre-authorization, partial capture and refunds
Automatic retries on soft declines

Checkout & payment links

Launch a ready-made checkout in minutes, hosted by us or embedded in your site.

Widget for web and mobile apps
One-click payments with saved cards
Links and QR codes for Telegram, VK and email, no code required

Subscriptions

Recurring billing with retry logic that keeps churn from eating your revenue.

Plans, trials and plan changes
Retry schedules tuned per issuing bank
Customer notice before every charge

Split payments

Marketplaces and platforms split every transaction between sellers automatically.

Percentage or fixed splits per seller
Seller onboarding with KYC
Dispute liability rules you define

Fraud prevention

A risk engine trained on network-wide signals, tuned to your own approval targets.

Device fingerprinting and behavioral signals
3-D Secure only where it earns its friction
Custom rules and a manual review queue

Payouts & settlement

Money reaches your bank account on a schedule you choose.

D+1 settlement on eligible volume
Mass payouts to cards and via SBP
Automated reconciliation and 1C export

54-FZ fiscal receipts, handled automatically. Our cloud cash register issues each receipt and sends it to the customer by email or SMS. No cash register of your own required.

Try it

Watch a payment go through

This is a sandbox simulation of the CentralGatePay authorization flow. Pick a payment method, run the payment and follow every step the transaction takes.

Order #CGP-90412Sandbox

₽2,490.00

Card number Expiry CVC

Pick a test card to autofill:

Simulation only. No data is transmitted or stored.

Authorization pipelineIdle

Also available at checkout:T-PayMir PayDolyame

99.95%platform uptime under SLA

180 msmedian authorization time

D+1settlement to your bank account

1 dayfrom application to first payment

How it works

From click to cash, in four steps

Collect

Your customer pays through our checkout, your own form or a payment link. Card details are tokenized before they leave the browser.

Decide

The risk engine scores the transaction in real time and applies your rules, with 3-D Secure only where it is justified.

Route

We pick the acquirer with the best approval odds and cost for that card, and retry elsewhere when a soft decline comes back.

Settle

Funds land in your balance with a full audit trail, then move to your bank account on the schedule you choose.

Dashboard

Every transaction, fully explained

Stop guessing why a payment failed. CentralGatePay shows the full lifecycle of each transaction, from the first authorization attempt to the line on your bank statement.

Decline intelligence

Group failures by bank, BIN and reason code, and recover the ones you actually can.

Real-time reconciliation

Payouts are matched to transactions automatically and exported to 1C or your accounting stack.

Chargeback workspace

Receive disputes, attach evidence and track the outcome without leaving the dashboard.

Settled todayLive

Volume₽1,284,560

Approval97.9%

Disputes0.08%

Developers

An API your team will not have to fight

Predictable REST endpoints, idempotency keys on every write, signed webhooks and SDKs for the languages you already use. Most teams take their first payment on day one.

A sandbox that behaves like production

Full set of test cards, forced declines, disputes and webhook replays.

SDKs and plugins

Node, Python, PHP, Go, Java, Swift and Kotlin, plus ready-made plugins for 1C-Bitrix, Tilda and WordPress.

Versioned and stable

Breaking changes ship behind a version header, and never on a Friday.

# Create an SBP payment and send a 54-FZ receipt
curl https://api.centralgatepay.com/v1/payments \
  -H "Authorization: Bearer $CGP_SECRET_KEY" \
  -H "Idempotency-Key: cgp_90412" \
  -d amount=249000 \
  -d currency=rub \
  -d "payment_method[type]=sbp" \
  -d "receipt[email][email protected]"

import CentralGatePay from "@centralgatepay/node";

const cgp = new CentralGatePay(process.env.CGP_SECRET_KEY);

const payment = await cgp.payments.create({
  amount: 249000,            // in kopecks
  currency: "rub",
  capture: true,
  paymentMethod: { type: "card", token: "tok_2Mr9x4Lp" },
  receipt: { email: "[email protected]", vat: "vat22" }
}, { idempotencyKey: "cgp_90412" });

console.log(payment.status); // "succeeded"

import os, centralgatepay

client = centralgatepay.Client(api_key=os.environ["CGP_SECRET_KEY"])

payment = client.payments.create(
    amount=249000,            # in kopecks
    currency="rub",
    capture=True,
    payment_method={"type": "card", "token": "tok_2Mr9x4Lp"},
    receipt={"email": "[email protected]", "vat": "vat22"},
    idempotency_key="cgp_90412",
)

print(payment.status)  # "succeeded"

Security

Built to hold money, and the trust that comes with it

Card data is encrypted at the field level, vaulted as tokens and isolated from your systems. Our controls are audited every year and monitored every second.

PCI DSS

Compliance with the card industry's data security standard, reassessed by an auditor every year.

Tokenization

Card numbers are replaced by tokens the moment they are entered, so raw credentials never reach your stack.

3-D Secure 2 and Mir Accept

Liability shift where it matters, and a frictionless checkout for low-risk customers.

24/7 monitoring

Anomaly detection on volume, velocity and geography, with alerts routed to your team in real time.

Data stored in Russia

Customer personal data is stored and processed on servers in Russia, as required by 152-FZ.

Resilient by design

Multiple data centers and automatic failover between acquirers when one of them is down.

One payment, three modelsRouting

Customercard, SBP or a Pay service

CentralGatePayfraud check · routing · 54-FZ receipt

One-time payment100% to the seller

Subscriptioncharged every month

Split85% seller · 15% platform

Same balance, same reconciliation file.

Who we serve

One platform, many business models

Whether you sell once or bill every month, the same infrastructure adapts to how your revenue actually behaves.

E-commerce

High-volume card acquiring with installments, one-click checkout and abandoned-cart recovery.

SaaS and digital products

Subscriptions, usage-based billing, invoices and 54-FZ receipts.

Marketplaces and platforms

Seller onboarding, split settlement and payouts on your own schedule.

Online schools and services

Payment links, recurring plans and reconciliation for teams without engineers.

Pricing

See what accepting payments will cost you

You pay only on successful transactions, with no setup fee and no monthly fee. Move the sliders and the estimate updates instantly.

Approved monthly volume—

₽100K₽50M

Share of SBP payments—

0%100%

Cards and Pay services from 2.4% SBP from 0.5% Setup ₽0

Rates are preliminary; exact terms are fixed in your contract.

Monthly fees—

Blended rate: —
Recovered by retries: —
Paid out to your account: —

Get an exact quote

This is an estimate. Retries assume about 4% of card payments get a soft decline and 33% of those go through on retry. Your exact rate depends on volume and risk profile, and is fixed in your contract.

Comparison

CentralGatePay vs. standard bank acquiring

A bank gives you card acceptance. We give you everything around it, under one contract.

CentralGatePay

Standard bank acquiring

Payment methods

CentralGatePayMir cards, SBP, SberPay, T-Pay, Mir Pay and Dolyame in one integration

Bank acquiringUsually cards and SBP; Pay services and installments separately

Settlement

CentralGatePayNext day (D+1)

Bank acquiringTypically 1–3 business days

54-FZ receipts

CentralGatePayCloud cash register included

Bank acquiringYour own register and a fiscal data operator contract

Soft decline

CentralGatePayAutomatic retry through a backup acquirer

Bank acquiringThe payment is usually lost, and the customer may leave

Subscriptions

CentralGatePayBuilt in, with retry schedules

Bank acquiringOften under a separate contract

Split payments

CentralGatePayFor marketplaces and platforms, with seller KYC

Bank acquiringRare or not available

Fraud prevention

CentralGatePayYour own rules and manual review, tuned to your approval targets

Bank acquiringThe bank's generic rules

Integration

CentralGatePayREST API, webhooks, SDKs and a sandbox

Bank acquiringDepends on the bank

Compared with typical online acquiring terms at a bank. Terms at any specific bank may differ.

Get started

FAQ

Questions we hear before every integration

Didn't find your answer? Message us on Telegram and we'll reply within 15 minutes.

How long does it take to go live?

Most businesses complete onboarding and take their first payments within one or two business days. Technical integration with our SDKs usually takes a day, and we run the first transactions with you in the sandbox before issuing production keys.

Which payment methods can I accept?

Mir cards, Visa and Mastercard issued by Russian banks, SBP, SberPay, T-Pay, Mir Pay and pay-in-installments. Every method settles into the same balance.

When is the money settled?

Card volume settles on the next business day (D+1). Other methods follow the schedule of the underlying payment system. Transfers to your bank account can run daily, weekly or on demand.

Do I need my own cash register?

No. CentralGatePay's cloud cash register issues 54-FZ receipts and sends them to the customer by email or SMS.

Does my company need to be PCI DSS compliant?

If you use our hosted checkout or widget, card data never touches your servers, so your requirements stay minimal. If you collect card data directly, we'll help you map the requirements that apply.

How does pricing work?

You pay only on successful transactions, with no setup fee and no monthly minimum. Your rate depends on volume, method mix and risk profile, and we put it in writing before you sign.

What happens when a customer disputes a charge?

You're notified the moment the dispute opens, with the reason code and the deadline. Evidence is submitted from the dashboard or via API, and the case is tracked until the final decision.

Get started

Start accepting payments in one day

Send us a request and a manager will get back to you within one business hour with a rate that fits your volume.

No setup fee and no monthly fee
Your rate is fixed in writing in the contract
First payments run with you in the sandbox