98%of card payments go through on the first try
Online acquiring
Cards are verified with 3-D Secure 2.0, and subscription charges repeat on their own, with no reminders to the customer. Every merchant gets a dedicated manager.
Money moves faster
Accept payments on your site, in your app and by link. Cards, SBP and bank apps work out of the box.
Every payment method, one contract
Cards, SBP, banking apps and chats all run on a single access key. Switch on what your customers actually pay with; the rest simply stays off.
SBP and QR payments
The balance moves seconds after confirmation, and the rate beats cards. We generate the code on our side, so the buyer's bank makes no difference.
SberPay
The buyer taps one button and confirms the charge inside Sberbank. Works for one-off invoices and monthly ones alike.
T-Pay
T-Bank customers pay straight from their app, with no card details to enter.
Telegram payments
The invoice lands in the chat, and people pay without leaving the conversation.
No API needed
A ready-made form and payment links. You do not need a developer to start taking money.
Who it is for
Seven niches where we already process turnover and know in advance what the bank will ask.
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Telegram and digital goods
Bots, private channels, subscriptions. People pay in the chat and get access before they can change their mind.
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Online stores
Card, SBP and QR code on a single checkout screen. Refunds are issued from the dashboard, with no messages to the bank.
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Gaming services
Hundreds of small charges an hour, at night and on holidays, with no manual reconciliation on your side.
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Mobile apps
Payment right on the purchase screen, or a quick hop to the bank and straight back into your app.
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Travel and transport
Tours, hotels, tickets. The invoice goes out as a link in advance, and refunds follow the booking rules.
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Delivery and couriers
Money is taken at checkout or by QR code when the courier is at the door. The day's revenue is visible the same evening.
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Marketplaces and platforms
The buyer pays once, and the platform and its sellers receive their shares automatically.
Do not see your niche here? We will look at it separately and send you terms the same day.
Get started
Customers pay
in four moves
Buyers never leave your page, and they never type long card details either. You decide which payment methods to show.
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Checkout button
On the checkout page the buyer picks the method that suits them: card, SBP, SberPay or T-Pay.
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Jump to the bank
The page opens the banking app or a Telegram chat by itself. On a desktop it shows a code for the camera instead.
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One touch
The buyer confirms the amount inside their own bank: PIN, fingerprint or face, whatever the device offers.
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Money is yours
A second later the payment and its status are in your dashboard, and your server gets a webhook.
1-3 days
That is how many business days it takes from the application to a live dashboard.
15 minutes
Three steps on the developer side: key, invoice, status receiver.
T+0
Revenue reaches your account the same day, not tomorrow morning.
Security guards
every payment
This is not a clause in a contract but six checks that every ruble goes through. On the left, what it all rests on; on the right, the full route of a single payment.
- PCI DSS 4.0
- Card numbers live only inside the certified perimeter. They never touch your servers.
- 3-D Secure 2.0
- The payer's own bank confirms their identity. Along with that confirmation it takes on the dispute risk for the payment.
- Two-step dashboard login
- A password is not enough: a second factor is required, and on a phone or a laptop staff can sign in with biometrics.
- SSL/TLS channel
- Traffic is under encryption the whole way from the browser to processing, and certificates renew without manual reminders.
- Instant fraud detection
- Device, behavior and past payments are weighed in a fraction of a second, while the payment has not yet reached the bank.
- Annual audit
- An external team audits the infrastructure and the procedures. We share the report on request.
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Cart is closed The buyer has locked the amount and pressed pay.
customer browser -
Card data locked The card number turns into encryption at once and goes to the closed perimeter, bypassing your infrastructure.
Elaris perimeter -
Payer verification Through the 3-D Secure 2.0 protocol the bank makes sure the card is in its owner's hands.
issuing bank -
Risk scoring Rules and models weigh the payment. A suspicious one is stopped before the charge.
Elaris models -
Amount charged The cardholder's bank issues an authorization code, and your system gets the status by webhook.
issuing bank -
Merchant gets paid The payment enters the payout register and reaches your business account the same day.
your account
The whole route takes seconds. The customer sees only steps 1 and 3, the rest runs without them.
Plans
Three ways to work with Elaris. We name the rate before the contract, not after a call with a manager.
On every plan
QR and SBP payments
Cards: Visa, Mastercard, MIR
Dashboard with daily stats
Same-day payouts (T+0)
Live support around the clock
Popular
Custom
from2.3%per payment, no monthly fee
Honestly: the final number depends on your turnover and industry. We calculate it from your volumes and write it into the contract, instead of keeping it in a manager's head.
- Terms built around your particular business
- No API needed: issue invoices in a Telegram bot or a web form
Basic
2.9%per payment, one rate for cards and SBP
Everything that comes with every plan, and nothing on top. Taken while turnover is still picking up.
- Launch takes one to three business days
- We charge nothing for opening an account
Partner
Bring on as many merchants as you can reach
Commission comes from every one of them
up to
40%
of what Elaris earns on your client
Partner program
- How often the money arrivesonce a month
- Payout thresholdnone
- What happens with a dealvisible at once
- Reports on merchantsfor each one
- How many merchants you can bringany number
Made for people who already talk to merchants every day: agencies, consultants, platforms and independent agents.
Payment in one request
Cards, SBP and SberPay share one schema. You issue an API key, send a request to create a payment, and listen for the status webhook. Integration takes about 15 minutes.
Creating a payment
curl -X POST https://api.elarispayments.com/v1/payments \
-H "Authorization: Bearer sk_live_4f8c21ad9e73" \
-H "Idempotency-Key: order-77412" \
-H "Content-Type: application/json" \
-d '{
"amount": 349000, // amount in minor units (kopecks)
"currency": "RUB",
"method": "sbp",
"capture": true,
"description": "Заказ 77412",
"metadata": { "order_id": "77412" },
"webhook_url": "https://sever-lavka.ru/hooks/elaris",
"return_url": "https://sever-lavka.ru/order/77412"
}'
Response 201
{
"id": "pay_7Qk3mR2xN8vD",
"status": "pending",
"amount": 349000,
"currency": "RUB",
"method": "sbp",
"confirmation": {
"type": "qr",
"payload": "https://qr.nspk.ru/AD10007TQ4H1",
"expires_at": "2026-09-23T11:19:52+03:00"
},
"created_at": "2026-09-23T11:04:52+03:00"
}-
01
Issue a key
API keys are issued in the merchant dashboard in two clicks: the test key works right away, live access opens after the contract. The test environment returns the same error codes and the same statuses.
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02
Create a payment
Send POST /v1/payments with the amount in minor units and the payment method. The response returns a link or a QR code that you show to the buyer.
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03
Catch the event
Subscribe your endpoint to payment.succeeded and payment.canceled to close orders automatically. If your server stays silent, we retry delivery for 24 hours.
Documentation
Common
questions
Six questions people ask before signing the contract. The rest is covered in the documentation and in the support chat.
Why 3-D Secure 2.0 matters
It is the protocol that confirms a card payment. The issuing bank looks at the device, the purchase history and the amount, and in low risk cases lets the payment through without an SMS code. Liability for a disputed transaction then moves to the bank, not to you.
When does the money reach your account
We run on same-day payouts (T+0): payments accepted during the business day go to your settlement account the same day. The register for every payout is visible in the merchant dashboard and available over the API.
What makes up the fee
One rate per successful payment, fixed in the contract. Setup, refunds and transfers to your settlement account are included in that rate, and there is no monthly fee. The exact percentage depends on your turnover and your line of business.
How soon can you start accepting payments
From 1 to 3 business days: document checks, terms approval, contract. The technical part runs in parallel, the API integration takes about 15 minutes, and we issue a test key before signing.
How do you make a refund
A full or partial refund is made with a button in the merchant dashboard or with a POST /v1/refunds request carrying the payment id. The money goes back the same way the customer paid.
Where is customer card data stored
Card numbers never reach your server: they are taken by a payment form on our side, certified to PCI DSS 4.0. Traffic is encrypted with TLS, every transaction passes an anti-fraud check, and dashboard access is protected by a second factor.
Road to first payment
Five clear stages. Most of the time they take one to three business days, and a developer is only needed near the finish.
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Short form
You tell us who you are and what you sell. No scans or statements yet.
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Call and review
We discuss what you sell, the amounts involved and what to connect.
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Rate and papers
We put the numbers on paper and sign everything remotely.
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Store profile
You enter your details, a link to the storefront and attach documents.
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Live access
Keys, the payment page and money reports open up in your dashboard.
Turn on payments
1-3
business days to live access
Leave your contacts and a manager will put together a set of methods for your storefront: cards, QR payments, bank app buttons or a payment right inside a chat. We will not connect anything you do not need.
Request sent
A manager will call the number you gave during working hours and send the terms by email. If you would rather write, just say so in your reply.