Safe deal is live. Buyer funds are held on the platform until work is accepted.
How we got here.
We initially considered YooKassa Safe Deal as the primary option. Started the approval process, studied the documentation and technical architecture. During the process we realized it was not the right fit for our marketplace model. We will not go into the reasons - YooKassa is an excellent service and works perfectly for our subscriptions. We just needed something different for escrow.
We evaluated T-Bank MultiSplit in parallel. The concept was closer to what we needed: buyer pays by card, funds are blocked on the bank side, after work confirmation money is automatically transferred to the seller by phone number. Simpler, more transparent, faster to integrate.
Result: T-Bank is the primary card payment method for RUB transactions. Internal wallet payments work in parallel.
User flow: buyer clicks pay, chooses method (T-Bank card or wallet), funds are held. Seller completes work, uploads deliverables. Buyer accepts - funds go to seller. Does not accept - requests revision or opens dispute.
Platform commission is automatically deducted when funds are transferred to the seller.
