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How does the SBP payment system work? A full guide

What SBP is, who uses it, how it works with banks, the payment process, security and fees — a full guide for business. Instant ruble payment via QR/number. 20 Q&A.

Short answer

SBP (Faster Payments System, Russian «СБП») is an interbank instant payment system governed by the Bank of Russia and NSPK. It lets a customer pay in rubles via a QR code or phone number in a few seconds. For business, the SBP API is a fast, cheap and automatic way to accept ruble payments.

What is SBP?

SBP (Faster Payments System) is a system for instant transfers between banks. It launched in 2019 and is widely used in Russia. The user uses not a card number but a QR code or phone number — which makes payment simple and fast.

Who can use it?

SBP users
  • Individuals — paying a friend or a shop.
  • Online shops and services — accepting payment in rubles.
  • Bots and resellers — ruble payment for selling Stars/Premium.
  • Service providers — subscriptions and digital goods.

How does the payment flow?

  1. 1. Payment requestThe shop creates a QR or payment link with the amount via SBP.
  2. 2. ScanThe customer scans the QR in their bank app or chooses payment by number.
  3. 3. ConfirmThe customer confirms the payment — funds transfer instantly.
  4. 4. NotificationThe shop receives confirmation (webhook/notification) and the order is closed.

Want to connect SBP to your business? Contact Business.

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How does it work with banks?

SBP links banks through the NSPK (National Payment Card System) infrastructure. Payment goes directly from one bank to another — with no intermediate days or long waiting. For business this means fast settlement and less operational load.

SBP vs card payment

FeatureSBPRegular card
InstrumentQR / phone numberCard number + CVV
Speed✓ secondsminutes
Card data✕ not needed✓ needed
Feeusually lowervariable
Customer convenience✓ highmedium

Security and fees

SBP works with bank‑level security; payment is confirmed inside the customer's bank app. Fees can usually be lower than card acquiring, and the exact percentage depends on the integration and volume. To connect via API see SBP API and SBP FAQ; general capabilities are on the Business page.

Sources

Frequently asked questions

What is SBP?
The Faster Payments System — Russia's interbank instant payment system. It lets you pay in rubles via QR or phone number instantly.
How does SBP work?
The shop creates a QR/link, the customer pays in their bank app, funds transfer instantly and the shop receives confirmation.
Who governs SBP?
The Bank of Russia and NSPK (National Payment Card System).
Is a card number needed?
No. A QR code or phone number is enough — no need to enter card data.
How long does a payment take?
Usually a few seconds — SBP is an instant system.
Which banks work?
Many Russian banks connected to SBP; the list keeps expanding.
What's the benefit for business?
Fast settlement, potential lower fees and automation.
What is the fee?
It can usually be lower than card acquiring; the exact percentage depends on the integration and volume.
Is it secure?
Yes. Payment is confirmed in the customer's bank app, with bank‑level protection.
Can I connect an online shop?
Yes. It connects to a site or bot via the SBP API.
Is the QR static or dynamic?
It can be either; a dynamic QR is generated with the amount.
Is there a webhook?
Yes. Payment confirmation arrives via webhook.
Is there a refund?
An undelivered order is refunded per the settlement policy.
How is SBP different from a regular transfer?
SBP is instant and via QR/number; a regular transfer is slower and requires requisites.
Does it work in Uzbekistan?
SBP is a Russian system; for Uzbekistan Click/Payme fit. Both are in StarsPaymee Business.
Does it link to Stars/Premium selling?
Yes. Ruble payment is linked to Stars/Premium/Gifts delivery.
How do I apply?
Submit a request on the StarsPaymee Business page.
Is documentation provided?
Yes. Integration docs and examples.
Is there support?
Yes, via @StarsPaymeeSupport.
Is there a Sandbox?
Yes. The flow is tested in a test environment.

Connect SBP to your business

Through StarsPaymee Business, accept ruble payments automatically with SBP.

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