Payment in digital rubles from September 1, 2026: who and how to connect on the website
On September 1, 2026, the first mandatory stage of accepting digital rubles begins. It doesn't apply to every website or every small business. At the first stage, the seller must simultaneously meet the revenue criterion and the criterion of a relationship with a significant credit institution.
The digital ruble can be accepted not only at a physical point, but also on the website or mobile application. For an online store, this means another payment scenario that needs to be linked to the order, online checkout, returns, accounting and analytics.
Short answer: from September 1, 2026, an obligation arises for the seller of goods or services for the personal needs of citizens if his revenue for 2025 exceeds 120 million rubles and as of January 1, 2026 he had an agreement for accepting electronic means of payment with a credit institution significant in the payment services market.
Who is required to accept digital rubles from September 1, 2026
Check two conditions. For the first stage, they must be executed simultaneously.
| Condition | What to check |
|---|---|
| Revenue | The seller’s revenue for 2025 exceeds 120 million rubles |
| Agreement with the bank | As of January 1, 2026, there was an agreement on the acceptance of electronic means of payment with a credit institution recognized by the Bank of Russia as significant in the payment services market |
If the agreement with such a bank appeared only after January 1, 2026, the obligation of the first stage does not arise. If on the control date there was an acquiring agreement, even without a current account in this bank, the Bank of Russia indicates that the requirement applies.
Termination of a qualifying contract after 1 January does not in itself cancel the obligation. To connect, you can choose a bank that participates in the digital ruble platform and provides the business with the necessary solution.
Business connection schedule until 2028
| Deadline | Which sellers are connecting? |
|---|---|
| No later than September 1, 2026 | Revenue over 120 million rubles and a suitable agreement with a significant credit institution as of January 1, 2026 |
| No later than September 1, 2027 | Revenue over 30 million rubles and an agreement with an organization specified by the Bank of Russia or a bank with a universal license as of the target date |
| No later than September 1, 2028 | Other sellers with revenue from 20 million rubles for the previous year |
Companies with total annual revenue of less than 20 million rubles do not require a mandatory connection. But thresholds and criteria must be checked before each stage according to the current clarification of the Bank of Russia.
Whom this requirement does not apply to?
According to the explanations of the Bank of Russia, exceptions include:
- companies with total annual revenue of less than 20 million rubles;
- individual retail outlets with annual revenues of less than 5 million rubles;
- places of sale without Internet access;
- organizations that conduct only wholesale sales to legal entities and do not sell to citizens for personal use.
If a company works with both businesses and individuals, it is necessary to analyze the retail circuit separately. The mere presence of a B2B direction does not exclude the responsibility for consumer sales.
What is a digital ruble for an online store?
The digital ruble is the third form of the Russian national currency, along with cash and non-cash rubles. An account is opened on the Bank of Russia platform, and businesses gain access to it through remote channels of the bank that is a participant in the platform.
For the buyer, the process will be similar to paying via SBP: he selects a payment method, scans or opens a universal QR code and confirms the payment in a supported banking application. For the seller, money is credited to the digital ruble account in real time.
This is not a cryptocurrency, not bonus points, and not a separate currency with a floating rate. One digital ruble is equal to one cash or non-cash ruble.
How to enable payment acceptance on the site
The Bank of Russia describes the general procedure, but the specific API, payment page, SDK and testing rules depend on the selected bank.
- Contact a bank connected to the digital ruble platform.
- Conclude a digital ruble account agreement with the platform operator, the Bank of Russia, through remote banking services.
- Receive a technical script for a website, application, cash register or POS equipment from the bank.
- Connect the creation of payment and universal QR code to the order card.
- Configure payment status confirmation, cancellation, and full or partial refund.
- Link payment to online checkout, receipt, CRM, ERP or order management system.
- Conduct tests for successful payment, error, timeout, re-notification and return.
If the business already accepts SBP, special physical equipment may not be needed. According to the Bank of Russia, existing online channels and terminals can be used with the servicing bank’s solution.
Payment architecture on the site
Robust integration doesn't end with showing a QR code. The system must clearly separate order and payment statuses.
The minimum flow looks like this:
- The site creates an order in the internal system.
- The server requests payment information from the banking solution.
- The user sees a QR code or goes to the banking application.
- After confirmation, the bank transmits the payment result.
- The server checks the notification and changes the order status.
- The online cash register generates a receipt in accordance with the applicable payment scenario.
- The CRM or ERP receives the financial event and data for reconciliation.
An order cannot be considered paid just because the buyer was shown a QR code or the browser returned to the success page. The source of truth must be the confirmed payment status on the server.
Technical checklist for developers
| Zone | What to consider |
|---|---|
| Idempotency | Re-notification should not re-pay or ship the order. |
| Signature and access | Notification authentication, secure key storage, role separation |
| Statuses | Created, awaiting payment, paid, cancelled, expired, partially or fully returned |
| Time out | Clear payment validity period and the ability to create a new scenario without a duplicate order |
| Returns | Full and partial refund, link to original transaction and receipt |
| Cash desk | Correct indication of the payment method, fiscalization and sending of the check |
| Accounting | Uploading for accounting, reconciling registers and discrepancies |
| Analytics | Individual payment method, conversion, errors and payment incomplete rate |
| Fault tolerance | Maintaining card, SBP and other legal payment methods as alternatives |
| Support | Diagnostic identifiers without disclosure of payment and personal data |
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Is direct integration with 1C necessary?
The Bank of Russia indicates that there are no plans for separate direct integration of the digital ruble platform with accounting systems like 1C. Accounting for transactions is carried out in the usual manner.
In practice, this does not mean that automation is not needed. The online store still needs to transfer the order, amount, status, payment ID, returns and reconciliation data to the accounting system. Typically, it is not the Bank of Russia platform itself that is integrated, but the payment module of the site and the solution of the servicing bank with the company’s internal system.
What should a business do with a subscription?
As of August 6, 2026, the Bank of Russia separately explains the situation with recurring payments. If a company accepts payments exclusively by subscription, the ability to pay in digital rubles should appear after the implementation of the corresponding platform functionality.
If, in addition to subscription, there are other payment channels, you need to ensure that digital rubles are accepted on time. Therefore, the entire project cannot be delayed just because there is no recurrent scenario.
Commissions and one account for the company
The company opens one digital ruble account on the Bank of Russia platform. Access to it is possible through remote banking services of banks participating in the platform, with which the business has suitable agreements.
Until the end of 2026, there is a grace period without platform fees for business transactions with digital rubles. Tariffs and costs of additional banking or integration services must be checked separately in the agreement of the selected bank.
Implementation plan before deadline
Step 1. Legal qualifications
Confirm revenue for 2025, consumer sales and agreements with banks as of January 1, 2026. Document the conclusion with a lawyer or financial service.
Step 2. Selecting a bank and solution
Request documentation, test circuit, cash register requirements, return procedures and support SLA. Compare not only the tariff, but also the readiness of Internet acquiring for real site scenarios.
Step 3. Technical design
Describe statuses, API calls, notification processing, fiscalization, integration with CRM/ERP and rollback plan. For online store This is a separate payment method and not a cosmetic button.
Step 4: Testing
Check payments on mobile and desktop devices, returns from the banking app, repeated notifications, bank unavailability, cancellations and partial refunds.
Step 5. Launch and Observe
Add error monitoring, payment reconciliation, support instructions, and conversion analytics. After launch, compare the share of successful payments with SBP and cards.
FAQ
Are all online stores required to accept digital rubles from September 1, 2026?
No. At the first stage, the criterion of revenue over 120 million rubles for 2025 and the criterion of an agreement with a significant credit institution as of January 1, 2026 must be simultaneously met. There are also exceptions for small turnover, individual outlets and B2B sales.
Is it possible to accept digital rubles on the website or in the application?
Yes. The Bank of Russia directly confirms the possibility of accepting payments in digital rubles on companies’ websites and mobile applications.
Do I need to buy a new terminal?
If the company already accepts SBP, special equipment may not be needed. The bank participating in the platform must offer a technical solution for existing online channels or terminals.
Are purely wholesale B2B companies required to open a digital ruble account?
No, if the organization sells exclusively to legal entities and does not sell goods or services to citizens for personal needs.
What to do if the revenue is more than 120 million, but the agreement with a significant bank was concluded after January 1, 2026?
According to the explanation of the Bank of Russia, the obligation of the first stage does not arise in this case. It is important to document the dates and nature of the contracts.
Is it possible to use one digital ruble account through several banks?
The company has one account on the Bank of Russia platform. Access is possible through remote channels of banks participating in the platform, with which agreements stipulated by the rules have been concluded.
How to account for digital rubles in 1C?
Accounting is maintained in the usual manner. Direct integration of the Bank of Russia platform with 1C is not planned, so the exchange of orders and payment statuses is configured through the bank’s solution, website and business accounting system.
What should a subscription-only service do?
Enable recurrent reception after the appearance of the corresponding platform functionality. If the service has other payment channels, the requirement must be fulfilled by the deadline.
Will there be a fee for accepting digital rubles?
Until the end of 2026, the Bank of Russia has established a grace period without platform fees for business transactions. Additional services of the bank or integrator may be charged separately.
Useful on the topic
- Development of online stores and payment integrations
- Web Application Development
- Compliance audit of digital processes
- Case of an online store on Next.js with a custom admin panel
- Domains through Gosuslugi from September 1, 2026
The material has been prepared based on information available as of August 20, 2026 and is not a substitute for legal or accounting advice. Before implementation, check the criteria for your company and the technical documentation of the selected bank.