Buhgalter opens connections for businesses looking for a payment processor with low fees: SBP, QR and crypto in, rubles or USDT out

Buhgalter (https://buhgalter.app) is taking new merchants on board. The service positions itself as a payment processor with low fees for projects that sell to Russian-speaking customers: commissions sit below the market, they apply only to payments that actually go through, and the rate gets lower as the average check grows. Unpaid, cancelled and expired orders cost the merchant nothing. Connection questions go to the manager in Telegram, @buhgalter_tech.

WHAT MERCHANTS GET FROM A PAYMENT PROCESSOR WITH LOW FEES

Buyers pay the way they are used to: SBP from a banking app, a QR NSPK code from 100 rubles, a card number transfer, or a crypto invoice in USDT, BTC, ETH or TON. On the merchant side the balance is held in rubles or in USDT, and the exchange rate is locked when each payment is created, so a slow buyer does not eat into the margin.

Money moves without manual chasing. Auto-withdrawal sends funds to a card, a bank account or a USDT TRC-20 wallet, and withdrawals in crypto arrive as clean USDT. The hold is agreed individually, starting from T+0, which suits teams that need instant settlement for daily operations.

Payment requests are created automatically. A single API call returns ready SBP details or a QR for the order, and a signed webhook reports the result. If the merchant's server misses a notification, delivery is retried 8 times over roughly 13 hours. For a host to host (H2H) payment integration there is a documented API with examples in cURL, PHP, Python, Node.js and Java, plus a test mode with 200 test payments a day. Teams without a developer can use a payment link, a widget, or the "Create payment" button in the dashboard.

BUILT FOR MANY BUSINESS CATEGORIES

Buhgalter accepts a wide range of categories, including those that ordinary checkouts often turn away. A typical scenario: a seller of digital products takes rubles by SBP, the key is delivered by webhook right after payment, and the revenue is kept in USDT. Another one: a crypto exchanger receives payment requests automatically and settles its balance without opening a banking app.

For orders where the merchant wants to know who is paying, a separate payment method asks the payer to confirm identity through the secure providers KYCAID and NeuroVision. This helps keep disputes calm.

Accounting is covered as well: reports in Excel, CSV for 1C and a printable reconciliation statement, with every store in one dashboard and revenue split by project.

A WORD FROM THE TEAM

"People come to us after paying too much elsewhere or after being told their niche is not welcome. We try to meet every client halfway. The rate, the hold and the withdrawal schedule are a conversation, and steady volume earns individual or VIP terms," says the buhgalter.app team.

HOW TO CONNECT

Registration takes a few minutes at https://buhgalter.app. After the store is reviewed, a personal manager agrees on the rate and the hold, the merchant gets an API key and can run test payments before going live. Questions about connection go to @buhgalter_tech in Telegram.

ABOUT BUHGALTER

Buhgalter is a payment processing service for high risk and everyday online businesses: payments by SBP, QR NSPK, card number transfer and crypto, balance in RUB or USDT, payouts through API and auto-withdrawal to USDT TRC-20. Commissions are below the market, with individual and VIP terms for volume.

Website: https://buhgalter.app

Connection manager in Telegram: @buhgalter_tech

Keywords: buhgalter, payment processor with low fees, payment processing, high risk payment processing, usdt payment gateway, sbp payments, crypto payments, fintech, payment gateway