ЮMoney (YooMoney)

Business Profile

Core Value Proposition

ЮMoney provides a personal financial space that combines a digital wallet, transfers, online payments, virtual and physical cards, and cashback, for both individuals and businesses.

Target Customer

Individual users seeking wallet-based payments, transfers, and cards; small/medium businesses needing online payment Acceptance (ЮKassa) with 10+ payment methods; self-employed (самозанятые) needing payments to clients and receipts.

Key Differentiator

Registration can be completed with a phone number (no passport required for some use cases), instant/online virtual cards, privacy-focused payments, and cashback rewards; multiple card formats (virtual, plastic, sticker) with flexible delivery and usage options.

Implementation Timeline

Value can be realized quickly: регистрация онлайн с мгновенным доступом к виртуальной карте; плакатик/пластик карта и другие функции доступны по мере оформления.

Pain Points

1Need for easy, multi-method online payments and transfers across various services and merchants.
2Desire for privacy and simplified identity requirements in payments.
3Need to manage budgets with cashback rewards and quick access to payment methods (virtual/physical cards).

Key Features

1Digital wallet with transfers and online payments.
210+ payment methods for business checkout; receipts (54-FZ) and online-кассы support (ЮKassa).
3Virtual cards available at no cost (0 ₽) with instant activation; physical cards available (299 ₽) with 5-year service included.
4Cashback and rewards in points (1 балл = 1 ₽) and up to 30% cashback in certain categories.
5Various card formats: Мир пластиковая карта, виртуальная карта Мир, платежный стикер, и т. д.; поддержка онлайн и офлайн платежей.

Target Customer Industries

Client Results

1Cashback rewards (баллами и рублями) across purchases.
2Instant virtual card creation upon registration and use.
3Secure online payments and card payments with the ability to close cards after use.
4Support for business payments with auto-generated receipts and multiple payment methods.

Competitive Advantages

1Registration with just a phone number (no passport required for initial use in some cases).
2Virtual card available for 0 ₽; plastic card issued for a one-time fee with long-term usability (5 years).
3Мгновенная активация виртуальных карт и возможность быстро начать оплату.
4Cashback in points and rubles; flexible cashback schemes in certain categories.
5Ability to close virtual cards after each payment and open new ones at no extra cost.

Key Benefits

1Централизованный цифровой кошелек и платежная платформа.

2Многообразие методов оплаты и простая интеграция для бизнеса (ЮKassa).

3Кэшбэк и вознаграждения баллами/рублями.

4Виртуальные и физические карты, включая стикеры, с простой автоматической выдачей/пользованием.

5Приватность: возможность оплат без паспорта в отдельных сценариях; уведомления можно отключать.

Additional Product Information

Product Description

ЮMoney — ваше личное финансовое пространство с возможностью пополнения кошелька, переводов, оплаты услуг и товаров, а также управления банковскими картами и бонусами.

Target Market

Россиян, ищущих удобное управление деньгами через цифровой кошелек; малый и средний бизнес, желающие принимать онлайн-платежи; самозанятые и индивидуальные предприниматели, нуждающиеся в платежах и чеках.

Unique Value Proposition

Личный финансовый пространство с приватностью и простотой доступа: быстрая активация виртуальных карт, широкие возможности оплаты, кешбек и поддержка онлайн- и офлайн-платежей через несколько форматов карт.

Technical Requirements

Существует мобильное приложение (есть версия для Android); регистрация по номеру телефона; возможность онлайн-оплаты и пополнения кошелька; поддержка виртуальных и пластиковых карт; интеграция с сервисами как Steam, Xbox, PlayStation и т. д. для пополнения счетов/покупок.

Pricing Model

Виртуальная карта — 0 ₽; пластиковая карта Мир — 299 ₽; обслуживание/доставка по России включены на 5 лет; баллы — 1 балл = 1 ₽; комиссия за онлайн-оплаты взимается только за успешные платежи в бизнес‑контексте (из контента страницы).

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