परिचय
FinMo is a P2P processing service for accepting payments in Russia. It works with three routes: "Classic" (SBP, Russia's Faster Payments System, plus card-to-card transfers), intrabank transfers and mobile commerce.
Rates by method
- Classic (SBP/C2C) — 12%; payments from 1,000 to 100,000 RUB.
- Intrabank — 8%: a transfer between customers of the same bank, the cheapest option.
- Mobile commerce — 17%: payment from a mobile phone account.
The base rate starts at 12%. The gap between methods is wide, so it pays to route customers who share a bank through intrabank transfers.
Terms
- insurance deposit: from 200 USDT;
- no KYC required;
- the USDT rate for settlement is taken from the Rapira exchange.
The Rapira rate matters if you receive payouts in USDT: the final amount depends not only on the fee but also on the ruble conversion rate.
Worth knowing
FinMo's own website and legal entity are not disclosed, and information is limited to a public profile. Vet the counterparty before sending traffic and start with small volumes.
Who it suits
Projects with a Russian audience that need several P2P methods at different rates.
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