Setting up payments via the Fast Payment System (FPS) in 1C-Bitrix

FPS (Faster Payments System) Integration for 1C-Bitrix

FPS is an interbank instant payment system of the Central Bank of Russia. For an online store, this means payment via the buyer's mobile bank using a QR code or link. No fee for the buyer; the merchant rate is a fixed percentage (typically 0.4–0.7%, lower than standard acquiring). Since 2023, major banks are required to support FPS — audience coverage is close to 100% among Russian bank users.

Technical Integration Options for FPS

Via acquiring bank — if the store already has an acquiring contract with an FPS-participating bank, it is sufficient to enable FPS in the bank's personal account. The payment method appears in the payment form automatically or via API with the payment_method: sbp parameter.

Via a payment aggregator — YooKassa, Tinkoff, and Sber provide FPS as an additional method in their API.

Direct integration via NSPK — for banks and large payment platforms. Requires a licence and a partnership agreement with NSPK.

Integration via YooKassa

// Creating a payment via FPS
$payment = $yookassaClient->createPayment([
    'amount'              => ['value' => $amount, 'currency' => 'RUB'],
    'payment_method_data' => ['type' => 'sbp'],
    'capture'             => true,
    'description'         => 'Order #' . $orderId,
    'confirmation'        => [
        'type'       => 'redirect',
        'return_url' => $returnUrl,
    ],
], uniqid('', true));

// Redirect the buyer to the YooKassa page with bank selection
$confirmationUrl = $payment->getConfirmation()->getConfirmationUrl();
header('Location: ' . $confirmationUrl);

Or with a QR code instead of a redirect:

$payment = $yookassaClient->createPayment([
    'amount'              => ['value' => $amount, 'currency' => 'RUB'],
    'payment_method_data' => ['type' => 'sbp'],
    'capture'             => true,
    'confirmation'        => ['type' => 'qr'],  // QR instead of redirect
], uniqid('', true));

$qrData = $payment->getConfirmation()->getConfirmationData();
// $qrData — payload string for generating a QR image

Integration via Tinkoff

// Tinkoff: creating a payment with FPS
$response = $tinkoffClient->init([
    'Amount'      => (int)($amount * 100),  // kopecks
    'OrderId'     => 'BX_' . $orderId,
    'Description' => 'Order #' . $orderId,
    'PayType'     => 'O',     // O = single-stage
    'DATA'        => ['PaymentMethod' => 'SBP'],
    'NotificationURL' => $notifyUrl,
    'SuccessURL'      => $successUrl,
    'FailURL'         => $failUrl,
]);

// Get the FPS QR link
$qrResponse = $tinkoffClient->getSbpQr(['PaymentId' => $response['PaymentId']]);
$sbpPayload  = $qrResponse['QRURL'];  // string for QR code

Displaying FPS in the Payment Form

In the payment page template — the "Pay via FPS" button opens a dialog with a QR code or link:

// Detect mobile device
const isMobile = /iPhone|iPad|iPod|Android/i.test(navigator.userAgent);

if (isMobile) {
    // On mobile — deep link into the bank app
    window.location.href = sbpPayload; // string of the form https://qr.nspk.ru/...
} else {
    // On desktop — show QR for scanning with a phone
    document.getElementById('sbp-qr').src = '/bitrix/tools/generate_qr.php?data='
        + encodeURIComponent(sbpPayload);
    document.getElementById('sbp-qr-container').style.display = 'block';

    // Poll status while the buyer pays
    startStatusPolling(orderId);
}

Handling FPS Notifications

An FPS payment is confirmed via the same webhook mechanism as a card payment. There is no Bitrix handler-level difference — the aggregator normalises the notification:

// In the callback handler — the succeeded status is handled the same way
// regardless of the payment method (card, FPS, YooMoney)
if ($payment->getStatus() === 'succeeded') {
    $bitrixPayment->setPaid('Y');
    $bitrixPayment->save();
}

Payment Method Display Specifics

Recommended payment method order for online stores (2024–2025):

1. FPS (0% for buyer, fast)
2. VISA / Mastercard / Mir card
3. SberPay / Tinkoff Pay
4. Mir Pay
5. Cash / other

FPS is placed first — its conversion rate is higher due to the simplicity of confirmation via Face ID in the banking app.

Timeline