Unitpay referral link and review

Unitpay is a Russian online payment aggregator run by OOO Unitpayru. It lets websites, online services and Telegram or VK projects accept bank cards, SBP and other methods, with a free 54-FZ receipt service and daily payouts to a settlement account. It works only with companies and sole proprietors registered in Russia.

No extra sign-up bonus via this link — the provider's standard terms apply.

Get Unitpay →

Referral link disclosure: the button above is our referral link. If you sign up through it, we may earn a commission at no extra cost to you. The bonus and terms are set by Unitpay and can change — check them on the official site before you sign up.

How to get started

Open Unitpay through the link on this page; it leads to the sign-up form for legal entities and sole proprietors, with no code to type.
Register with your email and INN (Russian taxpayer number).
Add your first project (website or channel) and wait for moderation, which takes up to 24 hours on weekdays.
In the Payouts section, accept the providers' offers, fill in the forms and upload the requested company documents.
Enter your bank BIK and settlement account, then connect a CMS module, the API, the widget or payment links and start taking payments.

What is Unitpay?

Unitpay is a payment aggregator for Russian businesses. Instead of signing an acquiring contract with each bank, a merchant connects once to Unitpay and receives payments through its partner banks.

Main products:

Payment acceptance: Unit.Forma (hosted payment form), Unit.Widget (pop-up form on your site) and payment by link, which works without a website.
Payment methods: bank cards (Visa, MasterCard, Mir, Maestro, JCB, UnionPay), SBP (Faster Payments System), TPay, SberPay, WebMoney and PayPal.
Features: multi-currency and foreign cards, two-step (hold) payments, recurring payments and card saving, full and partial refunds, payment cascading, email and Telegram notifications.
Online cash register (54-FZ): Unit.Cheki, a free alternative to a regular online cash register, plus support for partner registers Atol, Modul, E-COM KASSA, Kit Online and Digitalkassa.
Integrations: 40+ ready-made modules for CMS and CRM systems and developer documentation for the API.
Security: PCI DSS level 1 and in-house 3ds native anti-fraud.

Pricing at a glance

Item	Published rate
SBP (Faster Payments System)	from 0.7%
Bank cards	from 2%
Unit.Cheki receipts and fiscal drive	0 RUB
Automatic payouts to settlement account	free, no minimum amount

The rates are starting prices: the homepage says the fee goes down as a project's turnover grows and that individual terms are available on request. Rates for TPay and SberPay are not listed on the tariffs page, and mass payouts are arranged by application through support.

Who can connect, and region limits

Unitpay is a Russian aggregator. Its help center states that it works with legal entities only if they are registered in Russia and cannot currently work with foreign companies. Self-employed people on NPD are told to register as a sole proprietor (IP) account instead. Payouts for company and IP accounts go only to the Russian settlement account named in the contract.

Other requirements from the moderation guide:

Every project is moderated; maximum moderation time is 24 hours on weekdays.
The site must be on paid hosting with a static IP, have working pages and openly publish company details, prices, an offer or user agreement, refund and delivery terms and a privacy policy.
A list of 35 prohibited activities includes illegal gambling, alcohol, weapons, sports predictions, currency exchange, medicines and supplements, tobacco and sub-aggregator models.

By default card payments are open for countries of the former USSR; more countries can be requested from the dashboard.

Payouts and refunds

Funds reach the settlement account the next day; payouts run once per day, though the reporting period and closing documents depend on the bank provider.

Refunds can be issued from the dashboard or via the API, in full or in part depending on the provider. Issuing banks usually return the money to the payer within 10 days.

Unitpay referral program

Unitpay runs a public partner program: you bring clients who register through your link and earn a share of Unitpay's income from their payments, stated as up to 5% of Unitpay's revenue on the partner page. Existing account holders can open the Referrals section in the dashboard, accept the referral offer and create referral links with their own tags. Earnings are moved to the account balance and withdrawn like regular funds.

The partner page promises payouts without delays and analytics on referred clients, but does not publish a minimum payout or payout schedule. Partner questions go to partners@unitpay.ru.

Pros and cons

Pros

SBP acquiring from 0.7% and fees that drop as turnover grows
Free Unit.Cheki receipts for 54-FZ, no separate cash register needed
Next-day payouts to the settlement account with no minimum
40+ CMS and CRM modules, widget, payment links and recurring payments
Public referral program for existing users

Cons

Only legal entities and sole proprietors registered in Russia
Cards start at 2%, and exact rates for some methods are not published
Strict site requirements and a long list of prohibited activities
Payment links need separate approval from the security team

Frequently asked questions

Is there a Unitpay referral code or sign-up bonus?

No. Unitpay publishes no sign-up bonus or promo code for new merchants; the link on this page leads to the standard sign-up form.

Is Unitpay legit?

Unitpay is operated by OOO Unitpayru, publishes service rules, a privacy policy and a project moderation guide, states PCI DSS level 1 certification, and offers support by phone (8-800-222-82-10, Mon–Fri 10:00–19:00 MSK), email and Telegram and Max bots. Caveat: it serves only Russian-registered businesses, and a few help articles still mention older payment methods such as QIWI.

How much does Unitpay charge?

SBP from 0.7% and bank cards from 2%. Unit.Cheki receipts cost 0 RUB and automatic payouts are free. Rates fall as turnover grows.

Can foreign companies or individuals use Unitpay?

Foreign legal entities cannot connect at the moment; only companies and sole proprietors registered in Russia. Self-employed people are advised to open an IP account. Your customers can pay from abroad once extra countries are enabled for card payments.

How does the Unitpay referral program work?

Account holders create referral links in the dashboard's Referrals section and earn up to 5% of Unitpay's income from clients who register through them, per the partner page.

Get Unitpay →

Facts checked on 2026-10-28

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