Receive payouts to a bank card in RUB

Overview

You can receive payments directly to your bank card in RUB through Smartcat. This article covers the details specific to payouts in Russian rubles.

Available currency

• RUB (Russian ruble)

📌 If the currency of your balance in Smartcat is different from RUB, the funds are converted to RUB using Smartcat's exchange rate.

Commission and fees

A fee of 4% per transaction applies. The fee is automatically deducted from each payout. You can view a list of companies that reimburse your commission in the My Payouts section (click the Learn more button on your payout method).

Payout limits and constraints

• Minimum payout: 100 RUB. Smartcat lets you set the minimum amount from which a payment is sent to you. Learn more in the Minimum payout amount article

• Maximum per single transaction: 99,000 RUB

• Monthly total cap: 250,000 RUB

• Number of transactions per calendar month: up to 15 transactions

Details required for receiving payout

To receive a payout in RUB to a bank card, you must provide the cardholder's full name (first and last name) in Latin characters, along with the card number. You must specify the cardholder's name even when you add an unnamed card.

After you submit your payment information, Smartcat reviews it. This moderation process usually takes no more than two days.

If your card does not pass moderation, you receive an email at the address listed in your profile requesting additional information.

📌 The first and last name must match the name specified in your profile. According to clause 4 (B) of the Smartcat Supplier Agreement, the information in your account must be complete and reliable, so Smartcat cannot make payments to a card in rubles that is not issued to you.

Supported payment systems

• VISA

• Mastercard

• Maestro

• Mir

FAQs

I chose this method, but the payment was rejected. Why?

There are a few possible reasons why your payment might have been rejected:

• Incorrect card details — double-check that your card number and name are entered correctly

• Inactive or expired card — make sure your card is active and has not expired

• Cards issued outside Russia — the payout method works only with cards issued in Russia

How can I recognize a Smartcat payout on my bank card statement?

Card statement text (descriptor) is controlled by card networks and your bank, so it may vary. To confirm a payout is from Smartcat:

• Check your email: Smartcat notifies you when a payout is sent, with the exact amount and currency

• Match that amount in your bank or card feed within 1–2 business days (some banks may take up to 5 business days)

• If it is still unclear, ask your bank to locate a credit by date and amount (they can verify the source internally)

What should I do if the payment is listed as successfully sent in my account, but the funds have not been credited to the card?

Follow these steps:

• Make sure you linked the same card you expect to receive funds to

• Check your card statement. You may not have received a credit notification even though the money was received on your card

• Contact the support team via support@smartcat.ai. Along with the request, send your card statement, which should clearly show your name, the last 4 digits of your card, and a statement date ranging from the date the payment was sent to the current date. Follow the advice of the support team

I have funds in my balance and added a card as a payout method, but Smartcat did not send the payment. Why?

There may be several reasons:

• Your payment deadline has not arrived. Smartcat usually sends funds within 5 business days after they are credited to your Smartcat account balance

• Your balance has not reached the minimum payout amount after which Smartcat can send a payment. For more information, refer to this article

• Your card has not passed moderation. If your card does not pass moderation, Smartcat sends an email to the address in your profile asking for more information. Check your email (including your Spam folder), as Smartcat may be waiting for your reply to send the payment