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
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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