About
SBP (Sistema bystrykh platezhei, the Faster Payments System) is the Bank of Russia's round-the-clock instant payment service, with the NSPK (National Payment Card System) acting as its operational platform. People send money between accounts at different banks using just a phone number, and pay merchants by scanning an SBP QR code, tapping via NFC, following a payment link or button, or through the SBPay app, with funds taken straight from a bank account rather than a card. In 2025 SBP processed 18.3 billion operations worth 103 trillion rubles, and about 3 million retail and service businesses accepted it.
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