T-Bank: Shares of BNPL service

Main article: Installment Services (BNPL) in Russia

2025: Integration into all types of cashless payments

T-Bank integrated payment service in parts (BNPL-service "Shares") in all types of non-cash payments used by Russians. The bank announced this on December 16, 2025.

Now T-Bank customers can split payments into parts for purchases in online and offline stores when paying by any means ― on debit card Black, by phone T-Pay on, in Android payments in, on T-Bank mobile application websites and in applications of more than 80 thousand partners, as well as on To the QR code Sberbank and SBP online and offline.

You can pay in parts for any goods and services ― purchases in stores, payment for housing and communal services, Internet, games, education, donations to charitable foundations, etc.

In early 2026, the service will also be available in T-Bank terminals and when paid by the T-Pay button in online stores. It is enough to select the option "Pay in Shares."

When you pay in Installments, the amount of any purchase is divided into four parts: the first part is debited immediately, and the next three - automatically every two weeks. When the first charge is made, a service fee is added to the amount - it is calculated individually and displayed at the time of payment.

Black card owners will be able to enable payment by Shares in the card settings in the T-Bank application. Once activated, all following card purchases will be paid in Installments. You can disable the function at any time.

To pay in Black Debit Card Installments, you must:

• In the application of T-Bank, select the Black debit card account.
• In the upper right corner, select Fractions.
• Connect payment by Shares using toggle switch.

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Фото: T Bank

Now payment for utilities, the Internet, games, training and other services can be carried out in installments when paying in the T-Bank mobile application.

Access to payments Shares will appear for customers in stages: it depends on the updates of the application and the specific provider. The list of providers whose services can be paid in installments will expand over time.

To pay in Installments, you must:

• Go to Payments.
• Select the payment you want and specify the amount.
• Choose Pay in Shares.
• Click the "Pay" button.

The ability to split the amount into four parts for December 2025 is already available when paying through SBP and by. In To QR codes Sberbank early 2026, payment by Shares will also become available by QR code at T-Bank terminals. The customer will be able to select the invoice and enable "Pay in Shares" directly in the payment interface.

How to pay Shares using a QR code:

• Give the T-Bank mobile application access to the phone camera in the settings.
• Scan QR code for purchase.
• Include Pay In Installments.
• Click Pay.

The total maximum purchase limit is 70,000 ₽. The starting limit that the client receives when connecting is 30,000 ₽. The service will appear for customers with a Black debit card after updating the application. At the same time, access to payment in installments for all types of payment will appear gradually among customers. Access will work in T-Bank applications for Android OS starting from version 7.26 and for iOS starting from version 7.25.

2024: Integration with Sigma and ATOL Pay

• IT ATOL integrated own company software SIGMA payment platform ATOL Pay and with BNPL-service "Shares" (buy

now, pay later) from T-Bank. ATOL announced this on July 22, 2024.

Customers can connect the service through ATOL Pay.

BNPL is relatively young for Russia, but already quite in demand method of payment for purchases in equal parts without overpayment. More and more large companies: stores, marketplaces - integrate it into their solutions.

For business, BNPL service is an opportunity to attract and retain more buyers and increase the average check with additional or more expensive items in the cart (average purchase payment check using BNPL- service 81% higher than the average check of a purchase paid with a card, according to the "Shares" study).

Шаблон:Quote 'author=said Alexey Krasnopolsky, director of business units ATOL Online and ATOL.Pay

2023

Integration with Set Retail 10

At the end of 2023, CSI and BNPL-service "Shares," carried out joint integration for cash desks on Set Retail 10. With the help of it, the retailer can quickly connect the service of payment for purchases in parts at the checkout in an offline store. CSI announced this on April 2, 2024. Read more here.

Using the Smart Code Engine Service

BNPL service (buy now pay later) "Shares," launched bank Tinkoff in April 2021, uses recognition technologies. With Smart Engines their help, users mobile application of "Shares" can use the camera phone to read QR codes and pay for goods in parts by bank card directly at the checkout of the store. data Bank card recognition and reading is performed in the video stream in real time and takes less than 1 second.

Scanning QR codes is used at the checkout of the store so that the client can divide the purchase price into parts. In the "Shares" service, the user first pays 25% of its cost, the remaining three quarters - within 6 weeks without commissions and overpayments. Recognizing bank cards avoids manually entering data to pay for purchases with cards of other banks. With repeated purchases through the Shares application, payment takes place almost instantly.

Ultralight Smart Engines neural networks provide high scanning accuracy. Recognition algorithms are resistant to light drop and shooting angle and provide reading QR codes, even if the code is damaged or deviated from the standard. They allow you to extract the card data of the payment system 21, including the MIR system. The recognition time of a bank card on 1 frame takes 0.035 seconds.

Payments using QR codes replace Russians who left the payment market of Western players. By the end of 2023, customers of large Russian banks will make more than 0.5 billion payments using Smart Engines recognition technologies, writes TASS.