Help / Bank Cards / Linking Bank Cards for Payments

Linking Bank Cards for Payments

Why do I need to link a card?
After linking your card you won't need to add money to your Yandex.Money account. You'll be able to pay straight from your card. You won't have to enter your card's details at online stores.
It's simple, safe, and cost effective: there's no commission on payments made using a linked bank card.
What bank cards can I link to my account?
You can link a Visa ,Visa Electron, MasterCard, or Maestro issued in Russia, Armenia, Azerbaijan, Belarus, Estonia, Georgia, Kazakhstan, Kyrgyzstan, Latvia, Lithuania, Moldova, Tajikistan, Turkey, Turkmenistan, Ukraine, or Uzbekistan.
How many cards can I link to my account?
You can link a maximum of five bank cards. You should select one to be your primary card. We'll use your primary card for any automatic payments you authorize.
You can manage your cards under Settings (in the section ‘Bank Cards’).
Can I link my Yandex.Money bank card to my account?
No. Linking a card for payments allows you to choose where to debit money from: your bank card account or your Yandex.Money account. With the Yandex.Money bank card, these accounts are merged into one.

Linking Your Card

I can't complete the card link. The service keeps reporting an error. Why?
You can link a card issued in Russia, Armenia, Azerbaijan, Belarus, Estonia, Georgia, Kazakhstan, Kyrgyzstan, Latvia, Lithuania, Moldova, Tajikistan, Turkey, Turkmenistan, Ukraine, or Uzbekistan.
If you have one of these, but linking won't work (neither with a password, nor with a test amount), call at your bank. Online payments may be forbidden for your card at all.
I changed my mind about linking my bank card. What do I do?
Nothing: if you don't confirm the link within 24 hours, it will be canceled automatically.

Paying From the Card

Can I transfer money from a linked card to another user?
Yes. Just select the bank card as your payment method (like you do for other payments).
When I pay with Yandex.Money using a linked card, does the bank record the transaction as a purchase or a cash withdrawal?
From the bank's perspective, it's a regular payment for a good or service, so commission is 0%.

Canceling the Link

I linked my card, but I don't want to use it to pay anymore. How can I cancel the link?
This is easy: open this page and follow the service's instructions.
If later you change your mind, you'll be able to re-link your card.
My card was re-issued. Do I need to link it again?
Yes, if your new card has different details. Cancel your previous card's link and link the new card to your account.

Commission and Limits

What commission is there on payments made using a linked card?
We usually don't charge commission on payments. But sometimes that's not possible because of the terms agreed upon in working with a particular store.
If there's a commission, we'll be sure to warn you about it on the payment form.
What are the limits on payments made using a linked card?
A general rule is that you can make up to 15 payments a day using a bank card. The maximum payment amounts are:
  • 15,000 rubles at a time and 20,000 rubles a day for anonymous users;
  • 40,000 rubles a day for identified users.
Also, a monthly limit of 100,000 rubles applies to all users irrespective of their status.
How do I find out whether or not I've reached my limit?
If this is the case, trying to pay with the card will result in a message reporting an error.


How safe are payments made using a linked card? I don't want to send its details over the Internet.
You won't need to. Yandex.Money never transfers the cards' details to online stores.
You only enter your card's details once when completing the link. This takes place on a special page protected under the PCI DSS standard (Payment Card Industry Data Security Standard, developed by the international payment systems VISA and MasterCard). So you won't be taking any risks.
To pay with a card, you need to know your login password, your payment password, the card's CVV or CVC, and payment confirmation password (on Yandex.Money or on the bank's site). As long as you're the only person who knows them, no one else will be able to make a payment.
What is 3-D Secure?
3-D Secure is a special protocol developed by the Visa and MasterCard systems.
Online payments protected by 3-D Secure technology must be confirmed using special passwords. Only the cardholder can receive the passwords. Banks often send these passwords in text messages or issue plastic cards with one-time codes. Sometimes, though, they assign a permanent password for 3-D Secure cards (e.g. when the client registers with their online banking system). So, even if a someone steals your bank card or its details, he won't be able to use it to pay online.
Yandex.Money also supports 3-D Secure technology. For example, your bank may request a special password if you add money to your Yandex.Money account using your bank card or if you link your bank card for payments.
Contact your bank's customer support to find out if your card is protected by 3-D Secure technology. Or read up on how to activate it—for cards issued by Alfa-Bank, VTB24, Promsvyazbank, Russian Standard Bank, Sberbank, or Citibank.
I've already linked a card to my account. Why am I being asked to enter my card's details again when making a payment?
We might occasionally ask you to (but very rarely). We just need to make sure that your card is safe and that the person using it to pay is you.
By re-entering your card's details you don't risk anything. We protect them under the standard developed by the VISA and MasterCard systems (the Payment Card Industry Data Security Standard).