Customer payment method
Eligible customers pay with Visa or Mastercard cards issued by banks outside Russia.
Accept international card payments with an individually reviewed ruble settlement option
ListoPays can evaluate a flow where customers in Europe, the United States, and other countries pay by card and an approved merchant receives its revenue in Russian rubles to an account in Russia. Availability, conversion, timing, limits, and terms are confirmed individually.
Card acceptance does not automatically include ruble settlement; both the merchant and the requested route require review.
What to consider
Potential settlement
Russian rubles to the merchant's account in Russia, subject to confirmation.
Conversion and timing
The conversion approach, settlement period, and fees are fixed in the terms agreed for each project.
Individual approval
The route, schedule, limits, and commercial conditions depend on merchant review.
Who needs international payments settled in rubles
Some businesses sell a digital service, subscription, content access, or another product to an audience abroad while their costs sit in Russia: payroll, rent, taxes, and contractors are paid in rubles. The buyer in Europe, the United States, or another country expects a familiar card checkout in a currency they understand. The merchant, in turn, wants revenue to arrive in the currency used for its accounting and obligations. ListoPays reviews such projects individually, looking at the business model, website, customer countries, traffic sources, average order value, and expected volume. The ruble route complements card acceptance for businesses in Russia and is not a universal package.
Separate the customer's card payment from the transfer to Russia
The model contains two distinct operational moments. First, an eligible customer pays by card, and the transaction receives its own status and identifier. Later, the approved merchant receives settlement according to the schedule and rules confirmed for its account. Moving money to Russia in rubles belongs to the second moment and is not executed separately for every order right after checkout. Keeping these moments apart makes the customer journey easier to explain and reconciliation easier to design. The buyer sees an ordinary card payment and is not exposed to the seller's settlement details, so the two stages should not be mixed in customer terms or public promises.
Conversion, exchange rate, and settlement schedule
The public description does not set one exchange rate, fee level, or crediting time for every project. How foreign-currency revenue is converted into rubles, the settlement period, minimum amounts, and the supporting documents are agreed before work begins and recorded in the project terms. Unconfirmed parameters should not be placed into a financial forecast. The finance team should decide in advance who owns reconciliation, how refunds and adjustments between settlement periods are treated, and how much time to allow for bank crediting. If another route is also relevant, such as settlement through a crypto route, it should be named in the request, because each route is assessed separately.
Technical integration for card acceptance
Card acceptance is connected through the payment API. The merchant's server creates a transaction, keeps the link to its internal order, and uses the processed status to release goods or access. Webhook events can deliver asynchronous changes when they are part of the approved integration. The event handler should accept repeated notifications safely and never fulfil an order twice. Successful payment, decline, customer cancellation, and a technically incomplete attempt need to be distinguished. Choosing ruble settlement does not change this technical layer: payment and refund scenarios are configured the same way, and only the agreed payout arrangement for the merchant differs.
Merchant review and transparent transactions
Ruble settlement does not replace the review of the business and its payments. The assessment may require information about the company, owners, product, website, customers, sales countries, and advertising channels. The settlement recipient is the merchant itself: acceptance is not used to pass funds to third parties, to run intermediary schemes, or to collect payment for undisclosed goods. Separate requirements apply to projects with a higher risk profile. Currency, tax, and accounting rules depend on the jurisdiction and circumstances of the company. ListoPays does not replace professional advice, so the merchant should determine how it may lawfully receive and record this revenue and which documents its bank expects.
Prepare a request for ruble settlement
A useful request has three parts. The first describes the company and product: what the buyer receives and when. The second explains the payment flow: card countries, checkout currencies, expected transaction count, average order value, refunds, and repeat charges. The third records settlement preferences: payout in rubles, the expected schedule, and reconciliation needs. After the assessment ListoPays can say whether the ruble route is considered for this profile and which steps follow. When the model is available, the technical team implements card acceptance while the finance team confirms recipient details through the agreed process. Before launch both sides test statuses, notifications, the refund scenario, and the contacts responsible for operational questions.
How onboarding works
Share the business profile
Describe the business, product, customer countries, and expected card transactions.
State the settlement need
Indicate that payout in rubles is required and list schedule expectations without treating them as approved.
Complete the review
Provide the requested information and confirm the available acceptance, conversion, and settlement arrangement.
Integrate and validate
Connect the API, notifications, and internal reconciliation before going live.
Compliance and project review
Onboarding depends on the review of the business, jurisdiction, and payment model.
- Ruble settlement is available only when confirmed for the reviewed merchant.
- Customer card acceptance and the merchant's ruble payout are separate parts of the payment flow.
- The merchant must provide accurate business, customer, transaction, and recipient information.
- The merchant assesses the currency, tax, and accounting requirements of its own jurisdiction.
Common questions
Can international payments be settled in Russian rubles?
This scenario is reviewed individually: customers pay with cards issued outside Russia, and a payout in rubles is discussed after merchant review.
Is every payment converted into rubles right after checkout?
No. The card transaction and merchant settlement are separate stages; the conversion approach and payout schedule are agreed individually before launch.
Are the exchange rate and crediting time known in advance?
There is no single published rate or timeline. Conversion, the settlement period, and fees are fixed in the terms of a specific project after review.
Discuss card acceptance with ruble settlement
Share your payment flow, customer countries, and preferred settlement arrangement to receive an individual assessment of available options.