Instructions for Tinkoff Loans and Installments

What the add-on does

The add-on adds a CS-Cart payment method for customer loan and installment applications through Tinkoff. When the customer selects this payment method, the store sends Tinkoff the order amount, products, shipping and customer contact details, receives the bank application link and redirects the customer to the application flow.

Where to find the add-on

The add-on settings are used in a CS-Cart payment method: Administration → Payment methods. Select the MS: Tinkoff loans and installments processor.

Payment method settings

Store ID — the Shop ID issued by Tinkoff for the store.

Showcase ID — the Showcase ID issued by Tinkoff for the storefront.

Test/live mode — switches the application flow. In test mode the add-on sends the request to the Tinkoff demo endpoint; in live mode it uses the production endpoint.

Payment flow

1. The customer places an order and selects the Tinkoff payment method.

2. The add-on collects order products, shipping cost, total amount, customer name, phone and email.

3. The request sent to Tinkoff contains Shop ID, Showcase ID, amount, order number, item list, customer contact details and return URLs.

4. If Tinkoff returns an application link, the customer is redirected to the bank form.

5. After the customer returns, CS-Cart processes `payment_notification` and completes order placement.

Callback, webhook and return URLs

There is no separate field for manually entering a webhook URL. The add-on builds the URLs automatically on the CS-Cart side:

successURL — successful customer return.

failURL — failed return.

returnURL — general return from the bank form.

webhookURL — Tinkoff notification URL through `payment_notification.webhook`.

Statuses and payment result

When processing the notification, the add-on finishes the payment through the standard CS-Cart mechanism and passes the successful order status S with the reason success. The add-on UI does not provide a separate status mapping setting.

Limitations and important notes

The add-on code has no separate API token, Client ID, Secret Key or Merchant ID setting: application creation uses the Shop ID and Showcase ID from the payment method.

The add-on UI does not manage hold/capture, cancellation, refunds or manual application status checks.

The add-on has no dedicated fiscal receipt, 54-FZ or DigitalKassa settings.

The Tinkoff application ID is stored in the order field `ms_tinkoff_credit_installment_application_id`.

If Tinkoff does not return an application link, the add-on shows an error and writes technical details to the add-on log file.

How to test

1. Create or open a payment method with the MS: Tinkoff loans and installments processor.

2. Enter test Shop ID and Showcase ID values and enable test mode.

3. Place a storefront order with this payment method.

4. Check that the customer is redirected to the Tinkoff form.

5. Return from the bank flow and make sure the order completes the standard CS-Cart placement flow.

6. Check that the Tinkoff application ID is saved in the order.