I work on Buhgalter (buhgalter.app), a payment service for small online businesses that sell to Russian-speaking customers: exchange offices, VPN services, digital goods shops, Telegram bots, creators with paid channels. Our line is that the service is for everyone, and we mean the people who usually hear no from bigger providers.
Before anyone connects, the same five questions come up. Here they are with plain answers, because the questions say more about this market than any pitch could.
- Will my customers be able to pay at all?
They pay through SBP, by scanning a QR NSPK code, or with a card number transfer. These are the methods people already use in their bank apps every day. Nobody on the customer side needs to know anything about crypto.
- What happens to the money after that?
It lands on a balance kept in USDT by default, or in rubles if you prefer. The exchange rate is locked when the payment is created, so a price you set in the morning means the same thing in the evening. You can withdraw to a USDT TRC-20 wallet or to a card or account, and auto-withdrawal can do it for you by a rule you set.
- Do I need a developer?
Not to start. You can create a payment in the dashboard and send the link. If you do have a developer, there is a payment link, a widget, or a fully custom screen via API, plus signed webhooks, idempotency keys and a test mode with up to 200 test payments a day.
- What does it cost?
Commission is charged only on successful payments. Unpaid or expired ones are free. Larger tickets get a lower rate, and bigger projects get individual or VIP terms. We would rather talk it through than force one rate on a VPN with 300 RUB tickets and an exchanger with 300,000 RUB ones.
- What if a customer wants their money back?
Full or partial refunds with no platform fee. Disputes come with a receipt and the full payment history.
Behind all five there is usually a sixth question: will a real person answer me, and can the terms bend? For us the answer is yes on both. Every store gets a personal manager after signup, and individual terms are normal practice, not a favour.
If you run a small online service and have a question I did not cover, drop it in the comments. Happy to answer, including the uncomfortable ones.
Buhgalter team, buhgalter.app
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