Tochka Bank acquiring
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Tochka Bank acquiring helps a CS-Cart Multi-Vendor marketplace accept payments through Tochka Bank and connect the payment flow with vendor operations. The add-on covers not only customer payments, but also the follow-up processes: beneficiary onboarding, virtual accounts, payment distribution, deal processing, and document preparation.
What it is for
The add-on is useful for marketplaces that need to organize settlements through Tochka Bank without constant manual reconciliation between the bank, orders, and vendor profiles. It helps connect vendors to the payment process faster, store their banking and identification data in the familiar CS-Cart admin panel, track document statuses, and see how incoming payments relate to orders and deals.
This is especially relevant for projects with many vendors, different legal statuses, and regular payouts. The administrator does not need to manually transfer data for every vendor and payment: the main operations are performed from the admin panel, while beneficiary, virtual account, payment, and deal data stay connected with the store entities.
Key features
- Integration of CS-Cart Multi-Vendor with the Tochka Bank payment and banking flow.
- Beneficiary registration, update, activation, and deactivation.
- Support for legal entities, sole proprietors, self-employed vendors, and individuals.
- Mapping vendor profile fields to the data required by Tochka Bank.
- Receiving and storing vendor virtual accounts.
- Displaying beneficiary statuses and related documents.
- Tochka Bank payment log and work with undistributed payments.
- Automatic distribution of incoming payments by orders and deals.
- PDF documents for beneficiaries and deals.
- Test mode, connection check, key generation, and test transfer.
- Logging settings for monitoring the exchange with the bank.
How it works
After Tochka Bank access is configured, the administrator maps vendor profile fields to the data required by the bank: account details, tax IDs, passport data, registration address, and other parameters. A Tochka Bank workspace appears in the vendor profile, where the administrator can create or update a beneficiary, check documents, and receive a virtual account.
When payments arrive in the store, the add-on helps track them in a separate section, update payment information, and distribute amounts by orders. For payouts and accounting operations, the add-on forms deals and documents so settlements between the marketplace, customers, and vendors become more transparent and rely less on manual work.
Have questions about the add-on?
- Store Builder
- Store Builder Ultimate
- Multi-Vendor
- Multi-Vendor Plus
- Multi-Vendor Ultimate
- Buyers
- Owners
- Vendors
- English
- Русский
- 4.20
- 4.19.X
- 4.18.X
Instructions for MS: Tochka Bank
What the add-on does
The add-on links a vendor card to a Tochka Bank beneficiary, helps store beneficiary statuses, receives virtual accounts, distributes payments, and prepares deal documents.
It supports legal entities, sole proprietors, self-employed users, and individuals. The pdf_documents add-on is required for documents.
Where the addon is located
Addon settings are available under Administration → Add-ons → MS: Tochka Bank. There are three main tabs: General, Beneficiary information, and Additional information.
Payments and deals are available in Orders → Tochka Bank Payments. The vendor card includes a Tochka Bank tab, and payouts are handled from the accounting area.
API access preparation
- Get test/preprod API access from Tochka Bank and provide the store server IP address.
- On the General tab generate the keys.
- Send the
var/ms_data/ms_tochka_bank/keys/rsaacert.pemfile to Tochka Bank. - After approval, fill in sign-system, thumbprint, nominal account details, and BIC.
Addon configuration
- General — test mode, nominal account details, keys, logging, and test transfer.
- Beneficiary information — mapping vendor profile fields to Tochka Bank fields.
- Additional information — service hints and addon notes.
If vendor data is stored in separate profile fields, create them first in Administration → Profile fields → Vendor information, then map them in the addon settings.
Usage
- Open the vendor card and fill in the Tochka Bank data.
- For a legal entity, fill in the TIN, company name, and KPP.
- For sole proprietors, self-employed users, and individuals, fill in the full name, birth data, passport data, registration address, registration country code, and tax residency flag.
- Save the vendor card or run the beneficiary action to create or update the beneficiary in Tochka Bank.
- Check that the beneficiary ID, beneficiary document, and virtual account have been created for the vendor.
The payments section lets you track incoming and internal payments and run automatic distribution. Payouts use the accounting flow and the Tochka Bank deal process.
How to check the result
- Enable test mode and run a test transfer.
- Check the API connection test after entering keys and account details.
- Create a test vendor and confirm that the beneficiary and virtual account appear after saving.
- Check that document data and statuses are visible on the vendor card.
- Create a test order with Tochka Bank payment and make sure the payment appears in the payments section.
- Create a test payout and confirm that the addon generates both the deal and the deal document.
Common issues
- No API access. Check the IP, keys, and account details.
- Beneficiary is not created. Check required fields and their mapping.
- No virtual account appears. Check the beneficiary creation and document.
- Passport data or address becomes
0. Fix the profile values and save the vendor again. - PDF documents are not generated. Check the
pdf_documentsadd-on and document templates.
Change history
v1.9.0 from 2026-04-24
[!] Fixed a hang when disabling a vendor in the admin panel if the vendor profile had no Tochka Bank data filled in.
v1.8.0 from 2026-04-17
[+] Added support for the new sole proprietor, self-employed, and individual registration flow through the updated Tochka Bank data exchange.
[+] Added beneficiary document data and validation status display on the vendor page.
[+] Added module mappings for passport subdivision code, passport issuer, registration address, and registration country code.
[*] Updated the beneficiary creation and update logic for sole proprietors and individuals to match the new Tochka Bank data exchange flow.
[*] Updated the module description, instruction, and changelog.
[!] Fixed vendor string field handling so registration address and passport series no longer turn into 0.
[!] Cleaned up the module translations.
v1.7.0 from 2026-04-01
[+] Added a PDF deal document in invoice format for attaching to a Tochka Bank deal.
[+] Added a beneficiary offer agreement document.
[+] Implemented automatic beneficiary document upload from a template and virtual account creation right after beneficiary creation in Tochka Bank.
v1.6.0 from 2026-03-02
[+] Added asynchronous beneficiary deactivation with status polling and completion notification.
[+] Added a table for tracking beneficiary deactivation jobs.
[*] Brought the module in line with the project template.
[*] Adjusted file storage so module data is kept in a dedicated store data directory.
v1.5.0 from 2026-01-22
[+] Added beneficiary status display and activation/deactivation buttons on the vendor edit page.
[+] Added transfer of vendor requisites and account data fields.
[*] Updated certificate generation according to Tochka Bank recommendations.
v1.4.0 from 2025-05-12
[+] Added the module logo and updated icon.
[+] Added handling for the response that a beneficiary is already active when activating a vendor beneficiary.
[*] Standardized the module code and text files.
[*] Fixed fund distribution.
[*] Fixed the key file path shown in module settings in the admin panel.
[*] Changed the private key retrieval method for requests.
[!] Fixed the KPP transfer error when changing the vendor payment status.
v1.3.2 from 2024-04-12
[+] Added vendor balance display on the Vendors page.
[+] Added settings to control the “TB: create deal” checkbox on the accounting page.
[+] Added an option to deduct the acquiring commission from the marketplace commission in favor of the vendor payout.
[*] Improved the payment status display on the order edit and view page in admin and added the “partially distributed” status.
[!] Fixed beneficiary creation: the vendor settlement account was previously sent instead of the marketplace nominal account.
v1.3.1 from 2023-11-29
[+] Added the patronymic field and payment and deal ID display for the main administrator.
[+] Added payment information display on the order page.
[+] Added error display when deal creation fails.
[+] Added a mechanism to show the full order cost minus the acquiring commission as marketplace commission.
[+] Added a setting for the “TB: distribute funds” order status used to query unverified orders.
[*] Replaced short PHP tags with standard syntax.
[!] Fixed the undistributed payments page refresh after clicking “Distribute automatically”.
v1.3.0 from 2023-06-10
[+] Added a checkbox in payment methods to enable Tochka Bank participation.
[+] Added a link to download the .pem key file.
[+] Added a test account deposit button in the module settings.
[+] Added total undistributed amount display on the module payments page.
[+] Added tabs with transaction and deal lists.
[+] Implemented beneficiary withdrawals.
[*] Updated the payouts page.
[*] Changed the storage location for the .pem key file.
[*] Added private key and certificate display in the module settings.
v1.2.1 from 2023-04-25
[!] Removed extra commas in the code.
v1.2.0 from 2022-02-02
[+] Completed a full module overhaul.
v1.1.0 from 2022-08-20
[+] Completed a module overhaul.
Legend:
[+] Added
[-] Removed
[*] Changed
[!] Bug fix
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