YooKassa

YooKassa is a Russian e-commerce payment service operated by YooMoney and owned by Sberbank. The service was launched in October 2013 under the name Yandex.Checkout, or Яндекс.Касса, to provide Russian merchants with a consolidated way to accept online payments. It was subsequently rebranded as YooKassa, also written in Russian as ЮKassa. The brand serves individual entrepreneurs, commercial companies, nonprofit organizations, online retailers, digital businesses, and marketplace operators. Its core proposition is payment acceptance across a broad range of channels rather than a single wallet or card product. Merchants can connect bank-card payments, electronic wallets, mobile-account payments, internet banking, contactless payment technologies, cash acceptance, and selected international card schemes. The platform also provides recurring billing, saved payment credentials, authorization holds, mass payouts, invoices delivered through email, SMS, chats, and messengers, and payment forms that can be embedded in websites or customer-support conversations. APIs and mobile SDKs support bespoke website and application integrations, while connections with content-management, customer-relationship, billing, and enterprise-management systems reduce the technical work required to deploy checkout functionality. YooKassa developed alongside major changes in the Russian payments market. In its first full year, the service reportedly reached an 18% share of Russia's online-payment-processing market. Its share was reported at 24% in 2015 and above 31% by 2018. In 2017 it was described as Russia's most popular payment application, and by 2018 it was used by more than 106,000 websites. These figures positioned the service as a major payment-service-provider brand for Russian e-commerce rather than merely as a consumer wallet. The platform expanded its merchant and banking infrastructure during the second half of the 2010s. It added support for the Mir payment system in 2016, became a payment operator for 1C: Enterprise in 2017, and worked with online cash-register systems to help merchants comply with Russian fiscal and reporting requirements under Federal Law No. 54-FZ. In 2018, its 1C integration was added to the standard electronic-document library, making payment and invoicing functionality available to a large base of commercial and public-sector organizations. The service also introduced business-to-business payment processing connected with Sberbank Online for payments between Sberbank corporate customers. YooKassa's international-facing capabilities included cooperation with Chinese marketplaces and online stores, an expanded partnership with Adyen for Russian and CIS payment methods, an application intended for South Korean online merchants, and acceptance of WeChat Pay for online and offline businesses. It also added support for Apple Pay, Google Pay, and Garmin Pay, while its marketplace-oriented Safe Deal feature could reserve a buyer's payment until a transaction was completed. Additional capabilities included installment and credit payments, QR invoices, Telegram payment solutions, integrations with services such as 1C-Bitrix, OpenCart, InSales, BILLmanager, and RetailCRM, and an integrated machine-learning anti-fraud system. The service was recognized by Banking Review as a leading payment service for 2018 and received a Best PSP award at the 2019 Merchant Payments Ecosystem conference. Publicly available reference material does not establish a separate founder, headquarters location, current executive roster, or a distinct public listing for the YooKassa brand.

YooKassa originated as Yandex.Checkout, a payment service launched for Russian customers in October 2013. Its initial purpose was to give online merchants a unified technical and commercial route for accepting multiple payment types. Rather than operating only as a consumer wallet, the service was designed as merchant infrastructure, combining checkout tools, payment-method connectivity, reporting, and integrations with common business software. The service gained market share quickly. By the end of 2014, it was reported to account for 18% of Russian online payment processing. Its reported share reached 24% in 2015 and exceeded 31% by 2018. In 2017, it was described as the most popular payment application in Russia. By 2018, more than 106,000 websites were reportedly using it. These milestones reflected the expansion of Russian online commerce and the need for merchants to support cards, wallets, banking applications, mobile payments, and cash-based acceptance through one provider. A significant part of the platform's development involved broadening its payment-method coverage. Support for the Mir card system was added in autumn 2016. The service subsequently supported bank cards, Yandex.Money and other electronic wallets, selected bank internet-payment systems, mobile-phone accounts, contactless services, and cash acceptance through a large network of payment points. Additional agreements allowed acceptance of American Express, JCB, and Diners Club cards. Apple Pay, Google Pay, WeChat Pay, and Garmin Pay were added during the late 2010s, extending the platform's relevance to mobile and cross-border-oriented commerce. YooKassa also expanded its role inside merchant software and regulatory infrastructure. In January 2017, it became a payment operator for 1C: Enterprise. In February 2018, 1C added a Yandex.Checkout module to its standard electronic-document library, simplifying payment collection and invoicing for organizations using that system. The company also announced integrations with online cash registers in response to Russian Federal Law No. 54-FZ, which increased requirements for the use of cash-register equipment and the exchange of transaction information with the Federal Tax Service. The service developed specialized tools for different transaction types. Its Safe Deal feature, introduced for consumer-to-consumer marketplaces in February 2016, could hold or reserve funds until the agreed goods or services were supplied. Other tools included automatic recurring charges, saved card details, authorization holds, mass payouts, payment forms in chats and emails, and invoices distributed through messaging channels. APIs and mobile SDKs enabled customized website and app implementations, while integrations with systems such as 1C-Bitrix, OpenCart, InSales, BILLmanager, and RetailCRM reduced deployment complexity. International connectivity became another strand of the service's evolution. YooKassa began cooperating with Chinese marketplaces and online stores in 2014. Its partnership with Adyen was expanded in November 2017 to support payment-method acceptance in Russia and the CIS. In 2018, the service introduced an application for South Korean online merchants and enabled WeChat Pay for online and offline businesses. The platform also added installment and credit-payment capabilities and built a machine-learning anti-fraud system that could be offered separately to users who did not use the main checkout service. A business-services marketplace offered access to providers of web design, CRM integration, accounting, and legal services. In later public descriptions, the brand is presented as YooKassa, operated by YooMoney and owned by Sberbank. The available reference material does not provide a verified current executive list, headquarters address, separate listing information, or a confirmed corporate founding entity distinct from its operator and owner.

• 2019

  Receives payment-industry awards

  [1]YooKassaen.wikipedia.org

  The service received recognition from Banking Review and the Merchant Payments Ecosystem conference.

• 2018

  Expands business, mobile, and international payment capabilities

  [1]YooKassaen.wikipedia.org

  The service added or expanded business payments, installments, Google Pay, WeChat Pay, Garmin Pay, South Korean merchant tools, and 1C document-library integration.

• 2017

  Integrates with 1C: Enterprise

  [1]YooKassaen.wikipedia.org

  Yandex.Checkout became a payment operator for 1C: Enterprise and expanded its online cash-register compliance integrations.

• 2016

  Adds Mir support and Safe Deal

  [1]YooKassaen.wikipedia.org

  The service added support for Mir and introduced its Safe Deal payment-reservation feature for C2C marketplaces.

• 2014

  Reaches an 18% reported market share

  [1]YooKassaen.wikipedia.org

  By the end of 2014, the service was reported to hold an 18% share of Russia's online payment-processing market.

• 2013

  Launch as Yandex.Checkout

  [1]YooKassaen.wikipedia.org

  The payment service launched for Russian customers under the Yandex.Checkout name.

A broad, infrastructure-oriented payment-service provider for Russian e-commerce, combining checkout, alternative payment methods, merchant integrations, payouts, fiscal connectivity, and fraud prevention.

• Payment processing · 2013

  Online payment acceptance

  YooKassa enables businesses, sole proprietors, nonprofit organizations, and marketplaces to accept payments through bank cards, electronic wallets, internet banking, mobile accounts, contactless services, and selected international card networks. The platform is designed to consolidate several payment methods behind a merchant integration rather than requiring separate connections for each channel.

• Marketplace payments · 2016

  Safe Deal

  Safe Deal is a transaction-protection feature for C2C and marketplace use cases. It can reserve a buyer's payment until the relevant goods or services have been provided, supporting a conditional settlement model for transactions in which the marketplace wants to delay final release of funds.

• Developer tools

  YooKassa API and mobile SDK

  The API and mobile SDK provide technical building blocks for integrating YooKassa into websites and mobile applications. They support payment forms, transaction processing, analytics, and custom checkout experiences, allowing merchants to avoid relying exclusively on a hosted payment page.

• Subscription payments

  Recurring payments

  Recurring-payment functionality allows merchants to charge customers automatically at a specified time or interval. Related account features include secure storage of payment details and authorization holds, which are useful for subscriptions, repeat purchases, and other scheduled-payment arrangements.

• Merchant tools

  Invoices and payment forms

  Merchants can create invoices and payment forms for distribution through email, SMS, live-chat tools, Telegram, Viber, and other messaging contexts. QR invoices and messenger-based payment options extend checkout beyond a conventional online-store page.

• Fiscal and commerce infrastructure · 2017

  Online cash-register integrations

  YooKassa supports integrations with online cash registers from Russian vendors and related fiscal workflows. These capabilities were developed in the context of Russian rules requiring electronic payment and cash-register information to be recorded and exchanged with tax authorities.

• Risk management

  Anti-fraud system

  The platform includes a deep-learning-based anti-fraud system for identifying suspicious payment activity. The reference material also describes the fraud-prevention capability as available separately to organizations that do not use the main YooKassa checkout service.

• 2018

  Expand alternative and mobile payment methodsProduct launch

  Background

  Merchants increasingly expected support for mobile wallets, bank-based payments, installment products, and international consumer payment methods.

  Action taken

  The service added or expanded installments and credit payments, Google Pay, WeChat Pay, Garmin Pay, Sberbank business payments, and international merchant tools.

  Aftermath

  Yandex.Checkout broadened its role from a conventional online checkout provider to a multi-channel payment platform.

  Source

• 2017

  Deepen integration with 1C and regulated merchant infrastructureStrategy

  Background

  Russian merchants needed payment functionality connected to enterprise-management software and online cash-register systems as fiscal reporting requirements became more demanding.

  Action taken

  Yandex.Checkout became a 1C: Enterprise payment operator and announced online cash-register integrations aligned with Federal Law No. 54-FZ.

  Aftermath

  The service became more embedded in the operational and compliance workflows of Russian businesses.

  Source

• 2013

  Launch a dedicated Russian merchant payment serviceProduct launch

  Background

  The service was created to give Russian businesses a unified way to accept online payments across cards, wallets, bank services, and other channels.

  Action taken

  Yandex launched Yandex.Checkout for Russian customers in October 2013.

  Aftermath

  The service expanded rapidly and became a major Russian online payment processor, later operating under the YooKassa name.

  Source

1. 1YooKassaen.wikipedia.org