Instructions for Sberbank Credit Payment

What the add-on does

The add-on adds the “Sberbank Credit” payment processor to CS-Cart for orders paid through Sberbank Internet Credit. The customer selects this payment method, the store registers an application in the bank, sends order contents and credit parameters, and then redirects the customer to the Sberbank form.

After the customer returns or the bank sends a notification, the add-on completes the payment in CS-Cart and moves the order to the status selected in the payment method settings.

Where to find the add-on

• Add-ons → Manage add-ons — the add-on card with description, instructions, and change history tabs.
• Administration → Payment methods — create or edit a payment method with the Sberbank Credit processor.

What to prepare before configuration

• Login and password for Sberbank Internet Credit.
• The product scenario to use: credit or installment payment.
• The list of available installment terms, if the installment scenario is used.
• Order statuses that should be assigned when a credit application is approved or rejected.
• The VAT rate that should be sent to the bank for order items and shipping.

Payment method setup

1. Open Administration → Payment methods and create a new payment method or edit an existing one.
2. In the Processor field, select Sberbank Credit.
3. Open the processor settings and fill in the connection parameters.

Processor parameters

Order flow

1. The customer places an order and selects the “Sberbank Credit” payment method.
2. The add-on prepares a bank application: order number, amount in RUB, email, phone, products, shipping, VAT, and credit product parameters.
3. CS-Cart redirects the customer to the Sberbank form.
4. The customer fills in the application on the bank side.
5. After the customer returns or the bank sends a notification, the add-on completes the payment and updates the order status.

Credit, installments, and terms

The Credit product type setting defines what is sent to the bank: CREDIT for credit or INSTALLMENT for installments. If available installment terms need to be restricted, enter them in the Available installment terms field separated by commas.

Receipts, VAT, and fiscal data

When registering an application, the add-on sends cart items, shipping, and tax data to the bank using the VAT rate selected in the processor settings. Choose the VAT rate according to the store settings and your agreement with the bank. There is no separate DigitalKassa setting in the add-on: fiscal data is sent as part of the bank request through order parameters and the selected VAT rate.

Webhook and return URLs

The add-on uses standard CS-Cart payment notification URLs:

• payment_notification.return?payment=sberbank_credit — customer return to the store;
• payment_notification.fail?payment=sberbank_credit — return for an unsuccessful scenario;
• bank notifications with mdOrder, orderNumber, operation, and status parameters — used to update the order status by the credit result.

If the bank account requires return or callback/webhook URLs, use public storefront URLs that route to these CS-Cart handlers.

Statuses and operations

• A notification is treated as successful when it contains the deposited operation and status = 1. In this case, the order receives the status selected in Order status when credit is approved.
• All other responses with an order number are handled as rejection and move the order to the status selected in Order status when credit is rejected.
• When the customer simply returns to the storefront, a new order may be moved to Open until the final bank result is received.

Refunds and cancellations

The add-on handles credit application registration and the approval or rejection result. It does not provide a separate automatic refund/cancel interface through the bank API. Process refunds, cancellations, and partial refunds according to the bank and store procedures, and adjust the CS-Cart order status manually if needed.

How to test

1. Create a payment method with the Sberbank Credit processor.
2. Enter test login and password, then select test mode.
3. Select the product type: Credit or Installment. For installments, fill in terms if needed.
4. Create a test order on the storefront and select this payment method.
5. Check that the customer is redirected to the Sberbank form after order placement.
6. Return to the store and check the order in the administration panel.
7. Make sure that a successful notification assigns the approval status, and a rejected application assigns the rejection status.

If the application is not created

• Check the login, password, and selected operating mode.
• Make sure the store primary currency can be converted to RUB correctly.
• Check that the order contains the customer email and phone.
• Check that return and notification URLs are accessible from the bank side.
• Review the CS-Cart event log: when registration fails, the add-on logs the bank response in the payment log.