MultiFlow — Accept Rubles via QR NSPK
Operating in 20+ countries

Accept Rubles.
Get USDT and fiat in local currency.

Payment infrastructure for businesses abroad — accept payments from Russian clients via SBP NSPK and convert to USDT and fiat in local currency — no grey schemes, no rate losses.

Contact us → How it works
20+
countries
Rapira/ЦБ РФ
exchange rate
24/7
always online
5 min
USDT to wallet
Georgia · Armenia · Turkey · UAE · Egypt · Serbia · Vietnam · Bali · Kazakhstan · Montenegro · Cyprus · Uzbekistan · Germany · Israel · Thailand · Mexico · Brazil · Argentina ₽ → USDT in 5 minutes · SBP NSPK · KYC · 24/7 · Rapira/ЦБ РФ rate Tourism · Real Estate · Exchange · IT · Restaurants · SPA · Diving · Visa · Coworking · Car Rental · Surfing · Yoga Georgia · Armenia · Turkey · UAE · Egypt · Serbia · Vietnam · Bali · Kazakhstan · Montenegro · Cyprus · Uzbekistan · Germany · Israel · Thailand · Mexico · Brazil · Argentina ₽ → USDT in 5 min · SBP NSPK · KYC · 24/7 · Rapira/ЦБ РФ rate Tourism · Real Estate · Exchange · IT · Restaurants · SPA · Diving · Visa · Coworking · Car Rental · Surfing · Yoga Georgia · Armenia · Turkey · UAE · Egypt · Serbia · Vietnam · Bali · Kazakhstan · Montenegro · Cyprus · Uzbekistan · Germany · Israel · Thailand · Mexico · Brazil · Argentina ₽ → USDT in 5 minutes · SBP NSPK · KYC · 24/7 · Rapira/ЦБ РФ rate Tourism · Real Estate · Exchange · IT · Restaurants · SPA · Diving · Visa · Coworking · Car Rental · Surfing · Yoga Georgia · Armenia · Turkey · UAE · Egypt · Serbia · Vietnam · Bali · Kazakhstan · Montenegro · Cyprus · Uzbekistan · Germany · Israel · Thailand · Mexico · Brazil · Argentina ₽ → USDT in 5 min · SBP NSPK · KYC · 24/7 · Rapira/ЦБ РФ rate Tourism · Real Estate · Exchange · IT · Restaurants · SPA · Diving · Visa · Coworking · Car Rental · Surfing · Yoga
Sound familiar?

Your clients
pay in rubles

You run a business abroad, but Russian clients are your audience. Every payment from them becomes a headache.

🚫
Cards don't workRussian Visa and Mastercard are blocked. MIR isn't accepted. Clients simply can't pay.
💸
Terrible exchange ratesCash rubles get exchanged at a 15–25% loss. Local exchangers profit from tourists' and expats' lack of options.
⚠️
Grey market risksTelegram exchangers operate informally — no documents, no protection, no guarantees.
Transactions processed
50 001
in real time
Last transaction
2 sec ago
payment confirmed
How it works

Three steps to receiving payments

A simple, transparent chain. No grey schemes — just clear infrastructure.

01
🔗

Connect your business

Submit a request and we configure the integration for your business type. Onboarding takes as little as 1 day.

02

Accept rubles online

Payments via SBP NSPK — official, legal, instant. No cash handling needed.

03
💎

USDT in 5 minutes

As soon as payment is confirmed, USDT arrives in your wallet within 5 minutes. Withdrawing to local currency is optional.

Why Multiflow

A real solution
for real
business

🏦

SBP NSPK — official ruble acceptance

We accept payments online via Russia's Fast Payment System. Official, legal, no cash required.

🔐

Built-in KYC verification

Every payer goes through our internal verification system. You're protected from fraud from day one.

🎨

Branded payment page

Each business gets a custom payment page with your logo, colors and name — fully white-label.

⚙️

Flexible cashier settings

Multiple tills, custom amounts, multi-currency — configured to match any business structure.

USDT in 5 minutes

After payment confirmation, USDT arrives in your wallet in 5 minutes. Platform runs 24/7.

Conversion flow
₽  Rubles from client (SBP NSPK)
multiflow.world
⚙️ KYC check + conversion
Rapira/ЦБ РФ rate + % · 24/7 · 5 minutes
₮  USDT in 5 minutes
💵 Local currency (dong, rupiah, lari…)
All transactions documented · KYC verified
What it looks like

A payment page
with your brand

Every Multiflow client gets a personalised payment page. The customer sees a familiar SBP interface — trusted and instant.

🎨

Your logo and name

The page is styled to match your brand — logo, colours, business name.

📱

QR code for payment

The client scans the QR with any banking app. Payment in seconds.

🔐

KYC before payment

Client verification happens automatically before the invoice is issued.

📋

Unique order number

Every transaction gets an ID — convenient for accounting and reconciliation.

СБП
Amount due
10 000,00 ₽
ORDER #MF-005532
Who it's for

Any business
with Russian clients

If you have clients paying from Russia — we make it simple to accept their money.

✈️

Tour agencies & excursions

Accept payment for tours, transfers and excursions from Russian tourists.

🇪🇬 Egypt🇻🇳 Vietnam🇮🇩 Bali🇹🇷 Turkey🇲🇽 Mexico
🏠

Real estate agencies

Rentals and property sales to Russian clients. Safely receive large transactions.

🇬🇪 Georgia🇷🇸 Serbia🇦🇪 UAE🇲🇪 Montenegro🇧🇷 Brazil
💱

Currency exchange offices

Expand your currency list, offer better rates and grow your transaction volume.

🇦🇲 Armenia🇰🇿 Kazakhstan🇺🇿 Uzbekistan
🍽️

Restaurants, SPA, diving

Any service business with Russian-speaking clients — we help you accept payment.

🇻🇳 Nha Trang🇮🇩 Canggu🇪🇬 Hurghada
💼

IT companies & coworking

Receive payments from Russian clients for services, subscriptions and workspace rental.

🇬🇪 Tbilisi🇦🇲 Yerevan🇷🇸 Belgrade
📋

Visa & relocation agencies

Helping with residency and documents — let clients pay from Russia without friction.

🇨🇾 Cyprus🇹🇷 Turkey🇦🇪 UAE
🚗

Car & vehicle rental

Tourists rent cars, scooters and boats — accept payment directly in rubles, no middlemen.

🇮🇩 Bali🇹🇭 Thailand🇦🇷 Argentina🇲🇽 Mexico
🏄

Surf, yoga & active tourism

Surf schools, yoga studios, mountain tours — accept Russian payments with no friction.

🇮🇩 Bali🇧🇷 Brazil🇱🇰 Sri Lanka
Coverage

Where rubles flow,
we operate

Actively expanding. Present in 20+ countries. Not on the list? Reach out.

🇬🇪 Georgia hot
🇦🇲 Armenia hot
🇪🇬 Egypt hot
🇹🇷 Turkey hot
🇷🇸 Serbia hot
🇦🇪 UAE active
🇰🇿 Kazakhstan active
🇻🇳 Vietnam active
🇮🇩 Bali active
🇹🇭 Thailand active
🇲🇽 Mexico active
🇧🇷 Brazil
🇦🇷 Argentina
🇨🇴 Colombia
🇺🇸 USA
🇲🇪 Montenegro
🇨🇾 Cyprus
🇺🇿 Uzbekistan
🇦🇿 Azerbaijan
🇮🇱 Israel
🇩🇪 Germany
🇰🇬 Kyrgyzstan
🇹🇯 Tajikistan
🇲🇩 Moldova
🇱🇰 Sri Lanka
🌍 Africa
+ more countries
Knowledge Base

Guides on accepting
ruble payments

Real cases, legal nuances and practical experience of businesses working with Russian-speaking clients.

Tourism 7 min

How to accept payment from Russian tourists in Thailand, Bali and Turkey in 2026

Russian tourists travel abroad but can't pay by card — Visa and Mastercard are blocked. We break down all working methods: cash, transfers, SBP and USDT conversion.

SBP / NSPK 5 min

SBP NSPK for foreign businesses: legal ruble acceptance without a Russian bank account

Can you accept SBP payments without a legal entity in Russia? Yes — through a payment agent. We explain the scheme, required documents and how it works in practice.

Real Estate 6 min

Renting and selling property to Russians abroad: how to accept large payments legally

Real estate agencies in Georgia, Serbia, UAE and Montenegro face one problem — the client is ready to buy but can't transfer money. We break down the working solution for 2026.

USDT / Crypto 8 min

USDT instead of bank transfers: how businesses in Asia and Latin America receive revenue from Russians

USDT has become the de facto settlement currency for businesses with Russian clients. We explain why it's safer than cash, faster than SWIFT and more convenient than crypto exchanges.

FAQ

Common questions

Answers to the most important things

Yes, completely legal. Multiflow operates through the official SBP NSPK infrastructure — Russia's Fast Payment System operated by the Bank of Russia. All transactions are documented and clients undergo KYC verification. Legal entity — Flowframe Software Pte. Ltd., registered in Singapore.
Within 5 minutes of payment confirmation, USDT is delivered to your wallet — after that you can request conversion to your local currency. The platform operates 24/7 without breaks. Average time includes transaction verification and conversion at the Rapira/ЦБ РФ exchange rate.
The fee is calculated based on the Rapira rate or the CBR (Central Bank of Russia) rate — your choice. Rapira is a Russian exchange providing a market rate for RUB to USDT. The CBR rate is the official Central Bank rate, which is convenient for companies that need alignment with an official rate for accounting and reporting purposes. The final commission depends on your transaction volume — higher volumes get better terms. We discuss exact figures individually during onboarding.
No. You don't need a Russian bank account, sole trader registration, or legal entity in Russia. You operate as a foreign business — Multiflow accepts payments from your clients who pay in rubles and pays out USDT to any wallet you provide or in your local currency.
Onboarding takes as little as 1 business day. After your request we get back to you within 24 hours, clarify your business details, provide access credentials, and you complete KYC and KYB business verification.
Minimum single payment is 1,000 ₽. There is no minimum monthly volume — we work with small businesses and large operators alike. Terms scale with your volume.
Refunds are handled on a case-by-case basis. We help organise the return process through the same SBP infrastructure. You define your own refund policy for end clients — we provide the tool.
Get started

Connect your business
to Multiflow

Submit a request — we'll get back to you within 24 hours and set everything up.

Or contact us directly: @lite_solutions · [email protected]

СБП НСПК
official payments
KYC
client verification
24/7
always online
5 min
USDT to wallet
Rapira/ЦБ РФ
exchange rate
Have questions? Write to us — we'll reply as soon as possible