Lava

Russian wallet and business payment acceptance — SBP from 1%, cards from 3%, connect without a company.

Lava (lava.ru) is a Russian payment service combining a personal wallet with business payment acceptance, launched in late 2021 and operated by Moscow-registered OOO "LAV-A". For merchants it offers Russian bank cards from 3%, SBP faster payments from 1% and payments from the Lava wallet at 0.5%, with an API and the ability to connect without a registered legal entity — which made it a common checkout for digital-goods sellers. Reviewer feedback on Otzovik averages 3.1/5 across 46 reviews: connecting without a company and round-the-clock support are praised, while the middling score reflects moderation and payout complaints typical for the segment.

For SMM businesses: relevant for panels selling to Russian-paying customers — SBP from 1% is among the cheapest RUB rails available to digital merchants, and wallet-based onboarding suits small operators. Grey-zone services still face moderation risk, so approval is not guaranteed.