Buhgalter Adds Identity Verification to Payment Platform Supporting Russian Ruble and Crypto
Buhgalter, a payment processing platform connecting online businesses with Russia’s domestic payment infrastructure and cryptocurrency networks, has introduced an additional identity verification option designed to reduce payment disputes.
The platform allows merchants to accept payments in Russian rubles through the Faster Payments System (SBP), NSPK QR codes and card transfers, alongside cryptocurrency payments in USDT, Bitcoin, Ethereum and TON. The newly introduced verification feature gives businesses the option to check a customer’s identity before accepting selected transactions, particularly those involving larger amounts or a higher risk of disputes.
The new option uses identity verification technology from KYCAID and NeuroVision. Customers selected for screening must submit a passport image and a selfie holding the document. A Buhgalter employee then reviews the submitted information before the payment is processed.
Rather than requiring checks on every transaction, the system allows merchants to apply verification selectively. This could be particularly useful for businesses handling expensive orders or operating in sectors where payment disputes are more common.
The addition does not change how merchants connect to Buhgalter’s payment system. Businesses can continue using the existing API to create payment requests and receive payment confirmations. The platform also retains its current payment options, including Russia’s Faster Payments System (SBP), NSPK QR codes, card transfers and cryptocurrency invoices in USDT, Bitcoin, Ethereum and TON.
The change comes as merchants handling digital goods and online services face the challenge of distinguishing legitimate purchases from transactions that may later be disputed. Unlike physical products, digital goods can be delivered almost immediately, making it difficult for sellers to recover their losses once a customer challenges a payment.
Buhgalter’s approach is to add an identity check at the payment stage, giving merchants an additional record to refer to if a transaction is later questioned.
The verification feature is only one part of the company’s existing payment infrastructure. Merchants can receive settlements in USDT or rubles, with the exchange rate fixed when a payment is created. Funds can subsequently be withdrawn to bank cards, business accounts or USDT wallets using the TRC-20 network. The platform also supports automated payouts through its API.
For businesses integrating the service, payment processing remains available through hosted payment links, an embedded checkout widget or a custom payment interface. Buhgalter also provides a testing environment for developers, along with reporting and accounting exports in Excel and CSV formats, including files compatible with 1C.
The company charges fees on completed transactions, with rates depending on payment volume and transaction size. It says larger merchants can negotiate individual arrangements, while expired, cancelled and unpaid orders are not charged.
Buhgalter says the new verification option is particularly relevant to merchants selling digital goods, subscription services and exchange-related products, where disputes over payment ownership can be difficult to resolve.
The company provides payment processing, cryptocurrency invoicing and automated payment and payout services for online businesses.
