Many entrepreneurs assume that to accept rubles via SBP you need a Russian bank account or legal entity. That's not true. We explain how the payment agent model works — legally, transparently and securely.
SBP (Fast Payment System) is the Bank of Russia's official infrastructure for instant interbank transfers via phone number or QR code. As of 2026, over 200 Russian banks are connected.
NSPK (National Payment Card System) is the SBP operator — a state-owned entity established in 2014 to ensure the sovereignty of Russia's payment infrastructure.
Opens your personalised payment page, scans the QR code and pays in rubles via their banking app.
The system verifies the payer's identity before funds are debited.
Through SBP NSPK infrastructure to a technical account held by Flowframe Software Pte. Ltd. (Singapore).
Funds arrive in any USDT wallet (TRC-20, ERC-20, BEP-20). Local currency conversion on request.
Rapira rate — a Russian crypto exchange providing a real-time market rate for RUB to USDT. Usually slightly more favourable than CBR but fluctuates throughout the day.
CBR rate — the official Central Bank of Russia rate, fixed daily. Convenient for companies that need alignment with an official rate for accounting and tax reporting.
No Russian documents, accounts or registrations required. You operate as a foreign business.
No. You are a foreign recipient of funds. Tax obligations are determined by the law of your country of registration.
SBP payments are final once confirmed. Refunds are only possible through a procedure you initiate as the seller.
Minimum: 1,000 rubles. Maximum is determined individually based on volume and enhanced verification.
No Russian account, no grey schemes — just official infrastructure.
Message on Telegram →