PayAnyWay
- Founded
- 2005-01-01 in Russia
- Headquarters
- Moscow, Russia
- Phone
- +7 495 646 5848
PayAnyWay is a Russian turnkey payment solution for e-commerce merchants, launched in 2005 and operated by the non-bank credit organisation NCO MONETA. The platform enables businesses to accept payments through over 20 methods, including bank cards (MIR, Visa, MasterCard), the Faster Payments System (SBP), e-wallets, money transfers, online banking, and cash via partner terminals. It holds PCI DSS Level 1 certification and incorporates a multi-level anti-fraud system with 3D-Secure and SecureCode protection. PayAnyWay offers free connection within one business day and transparent reporting for accounting. The service is particularly popular among small and medium-sized enterprises in Russia and other CIS countries, as it aggregates multiple payment methods into a single integration. It supports both domestic and foreign merchants, with individual tariffs for non-resident companies. PayAnyWay provides plugins for popular e-commerce platforms like nopCommerce and CS-Cart, allowing merchants to accept 24 payment methods through one plugin. No monthly fees are charged; instead, the service operates on a per-transaction commission basis, starting from 3.4% for cards and 0.7% for SBP. Settlement can be daily or weekly, and the platform supports ruble and foreign-currency accounts.
Detailed Review
History and Background
PayAnyWay was established in 2005 as an online payment service, later evolving into a full-stack internet acquiring aggregator under the NCO MONETA brand. The parent organisation, NCO MONETA (Небанковская кредитная организация «МОНЕТА»), is a Russian non-bank credit institution that oversees the payment service. PayAnyWay has been servicing online payments since its founding and has grown to become a significant player in the Russian e-commerce payment landscape.
Business Model
PayAnyWay generates revenue through per-transaction commissions. For card payments, the commission starts at 3.4%, while Faster Payments System (SBP) transactions are charged at 0.7%. The platform does not impose monthly fees, making it attractive for small and medium-sized businesses. Merchants can choose daily or weekly settlement cycles. The service also offers individual tariff plans for foreign (non-resident) companies, determined by the management board of NCO MONETA.
Core Products and Features
The core offering is internet acquiring for bank cards (MIR, Visa, MasterCard) via a hosted payment page or API. Complementing this are alternative methods: instant payments through the Russian Central Bank’s SBP, integration with e-wallets (WebMoney, YooMoney), money transfers, online banking from major Russian banks, and cash payments through partner terminals such as Qiwi and Eleksnet. The platform includes a merchant dashboard for transaction monitoring, settlement management, and dispute resolution. Anti-fraud measures include velocity checks, black/white lists, and manual review workflows. PayAnyWay is fully compliant with Russian Federal Law 54-FZ (online cash registers) and supports automatic fiscalisation. It holds PCI DSS Level 1 certification, the highest level of card data security.
Market Position and Competitors
PayAnyWay primarily serves small and medium-sized businesses in Russia and the CIS region. It competes with other Russian payment aggregators such as YooMoney (formerly Yandex.Money), Qiwi, and Robokassa. Its differentiators include a wide range of payment methods (24 through a single plugin), free connection, and transparent pricing. The service is also offered as a white-label solution under the MONETA brand.
Regulatory and Compliance
PayAnyWay enforces strong KYC/AML procedures. Merchants must provide legal entity details, a functioning website with clear contact information, and comply with Russian law. The service is not available to individuals—only legal entities or sole proprietors. For foreign merchants, individual agreements are required, and the onboarding process may take longer.
Technical Integration
The platform provides pre-built plugin modules for e-commerce platforms such as nopCommerce and CS-Cart, enabling merchants to enable 24 payment methods with a single plugin. The integration can be done via a hosted payment page or through a direct API. The user interface is primarily in Russian, but an English version is available for international merchants.
Key Products
Internet Acquiring
Accept payments from bank cards (MIR, Visa, MasterCard) via a hosted payment page or API; commission from 3.4%.
Faster Payments System (SBP)
Instant payments through the Russian Central Bank’s SBP; commission 0.7%.
E-wallet Integration
Supports multiple Russian e-wallets (e.g., WebMoney, YooMoney) and foreign wallets.
Money Transfers & Online Banking
Accept payments via bank transfer or direct online banking from major Russian banks.
Cash Payments (Terminals)
Customers can pay cash at partner payment terminals (e.g., Qiwi, Eleksnet).
Anti-Fraud System
Multi-level risk management with rules engine, scoring, and manual review.
PCI DSS Level 1 Compliance
Full certification for secure card data handling.
Plugin Modules
Pre-built modules for nopCommerce, CS-Cart, and other platforms providing 24 payment methods per plugin.
Foreign Merchant Accounts
Tailored onboarding for non-resident companies with individual tariff plans.