CloudPayments Claudpayments

Cloud is part of the Tinkoff group of companies - a payment infrastructure for business, uniting under itself:

• service Internetacquiring CloudPayments-;
• a service that provides services for the online fiscalization of payments for business in accordance with local legislation CloudKassir;
• service for sending and receiving cashless tips, donations, targeted donations CloudTips;
• A cloudy model solution SaaS for managing payments worldwide from CloudSoft.

The geography of the company's business is, and Russia Europe (countries CIS data for February 2022). In October 2022, it was reported that Cloud is actively increasing its assets in the markets, and Kazakhstan. Uzbekistan Latvia

As of October 2022, the company has more than 15,000 partners, the company employs more than 350 people.

Performance indicators

2021: Revenue growth by 119% to RUB 4.5 billion

In 2021, the company's revenue grew by 119.8% and amounted to more than 4.5 billion rubles.

2019: Revenue growth by 103% to RUB 428 mln

In 2019, CloudPayments revenue reached 428 million rubles, which is 103% more than a year earlier. The indicators of the Internet acquiring service for business were revealed by its owner - Tinkoff.

CloudPayments was in greatest demand in 2019 among representatives of medium-sized businesses, which accounted for 53.5% of the service's revenue. The shares of large and small companies in the turnover of the service amounted to 42.5% and 4%, respectively, writes Rusbase, citing data provided by the Tinkoff group.

Tinkoff revealed the revenue of the Internet acquiring service for business in 2019

If you consider business revenues depending on their industry, the first place in 2019 was taken by fast food enterprises - they brought CloudPayments the most revenue. Next are educational service providers, microfinance organizations, theater agencies and car distributors.

The bulk of payments through CloudPayments in 2019 took place on Sberbank cards: they accounted for 53% of operations. The indicator of Tinkoff Bank was 11%, Alfa Bank - 7%, the rest of the banks - 29%.

Payments  through Apple Pay and Google Pay took 9% of CloudPayments' total turnover. Since the beginning of 2019, the volume of payments made through these services has grown by 6 times

In addition to Internet acquiring services, CloudPayments also sells CloudKassir online cash registers. In 2019, their sales almost doubled, the company said. How many cash desks were bought is not specified.

In addition to Russia , CloudPayments is present on the Kazakhstan market. There, the company in 2019 increased revenue by 200%. Absolute value is not specified.

By the end of 2019 , 5,268 enterprises used the CloudPayments service. Customers pay a commission to the service, the starting value of which is 3.9% for each operation. The rate for each partner is set individually.^[1]

History

2023

Co-founder Dmitry Spiridonov accused Tinkoff Bank of seizing a stake in the company

In early February 2023, CloudPayments co-founder Dmitry Spiridonov accused Tinkoff Bank of seizing a stake in the company. The credit institution rejects the entrepreneur's arguments. Read more here.

Tinkoff became the sole owner of the service

On January 23, 2023, it became known that Tinkoff became the sole owner of CloudPayments. Previously, the financial group founded by Oleg Tinkov owned 95% of the online acquiring service for online stores, businesses, microfinance organizations and charitable foundations, and the remaining 5% - Dmitry Spiridonov (he was the CEO of CloudPayments until mid-March 2022).

The fact that Tinkoff now owns CloudPayments was reported by TASS with reference to SPARK-Interfax data. Financial and other terms of the transaction were not disclosed.

Tinkoff became the sole owner of the CloudPayments Internet acquiring service

At the end of 2021, Tinkoff Bank announced that they are considering several M&A transactions in areas complementary to the group.

We are always ready to buy and look. This also applies to loan portfolios. Everything is fine with liquidity, capital adequacy, so we are ready for purchases, "said Stanislav Bliznyuk, chairman of the bank's board. - We also watch several M&A... We are open to this, because we feel stable in this part.

At the same time, he explained that the specifics of Tinkoff Bank's business are such that it is unprofitable for the group to acquire credit organizations.

By the beginning of 2023, the Tinkoff ecosystem, in addition to the bank and the insurance company, includes such projects as Tinkoff Business, Tinkoff Investments, Tinkoff Mobile (virtual mobile operator), Tinkoff Travel (a platform for buying railway and air tickets, booking hotels and renting cars), as well as lifestyle services.

Before buying a stake in Vladimir Potanin's Interros bank, foreign players who wanted to buy the group's assets also contacted the credit institution, Bliznyuk said, but did not name these assets.^[2]

2022

Presenting an interface for accepting online payments for goods or services without using the site

CloudPayments partners have become available an interface for accepting online payments for goods or services without using the site. The company announced this on September 23, 2022.

Accepting payments by link is an easy, fast and secure way to pay on social networks, instant messengers, email or SMS. For buyers, this is the ability to pay for goods and services quickly and without unnecessary transitions, and for sellers - a way to accept payments, in which it is not necessary to have a site (it is enough to generate a payment link in your personal account and send it to the buyer).

CloudPayments noted the demand for this functionality among its partners, in this regard, the company has developed an updated user-friendly interface for it. First, the interface has significantly improved the user experience: it has reduced the number of actions that the client takes during the payment process (they abandoned the pop-up widget at the very beginning of the payment process, and the payment status is now shown in the same payment interface without opening a new window). Secondly, the payment page indicates the full composition of the order - the buyer sees all paid goods and services, as well as their cost. Thirdly, they added the ability to pay with. Yandex Pay The payment form now contains all available payment methods with the ability to automatically add new payment tools. It is also worth noting that if only payment is available to the buyer, card then the field for entering data the card is displayed in one line at once, which saves space on the screen and makes the data entry process more convenient.

The changes also affected the design of the payment page: now the payment form is presented in the unified design system of the Cloud group, which includes the CloudPayments service.

We are constantly working on the development of the design system of Cloud group services, improving UX in products and services, "said Tatyana Glazacheva, CEO of CloudPayments. - The updated interface of the payment option by link makes the payment process simple and convenient for the end user, and the laconic design provides him with all the necessary opportunities and all important information, without distracting from the payment process with unnecessary data and actions. We are confident that a significant improvement in the user experience when making payments on the link will have a positive effect on payment conversion, which will undoubtedly be appreciated by our partners, especially representatives of small and medium-sized businesses.

Dmitry Spiridonov left the company, but retained a stake in it

Co-founder CloudPayments (part of the group) Tinkoff Dmitry Spiridonov left the company, but retained a stake in it. Prior to his departure, he served as managing director of Cloud (all business lines of the group are combined under this brand). The press service of CloudPayments announced this on May 18, 2022. More. here

Rebranding. Creating Cloud Umbrella Brand

CloudPayments on February 17, 2022 announced the rebranding: all business lines will be merged under a single brand - Cloud, and will also receive an updated brand identity and the group's slogan. The need to create an umbrella brand is due to the fact that against the background of the high recognition of the monobrand - CloudPayments - other business lines of the company remained in the shadows. A single brand will combine CloudPayments, CloudKassir, CloudTips and CloudSoft.

The name of the combined brand - Cloud - was not chosen by chance: it is under such naming that the group's business is known on the market. The concept of a renewed brand is based on the ideas of equivalence and partnership, moving towards and striving for development.

"In addition, the product Internetacquiring line of our company includes services such as: CloudKassir service, which provides services for the online fiscalization of payments for business in accordance with local legislation; service for sending and receiving non-cash tips, donations, targeted donations; CloudTips cloudy The model SaaS solution for managing payments worldwide is CloudSoft. Despite the fact that these products are in demand on the market, many continue to associate us only with Internet acquiring, "said CloudPayments co-founder and CEO. Dmitry Spiridonov

The updated logo design was developed jointly with the Luch studio. One of the important development requirements was the preservation of the UI system created by the company and the font heritage: the description of business line descriptors in the updated logo family uses the font of the Sans family - the same family that was used in the 2014 company logo.

"During the implementation of this task, we began with a tree of associations - the search for meanings that are the basis for the company's business. Such meanings were partnership and reliability, equivalence, movement towards and flexibility. They were reflected in visual metaphors: an equal sign, a knot, a handshake, a dance. So the idea appeared to abandon the already familiar cloud on the company's logo, "explained CloudPayments Marketing Director Daniil Smirnov.

2019

Tinkoff Bank - owner of 95% CloudPayments

In August 2019, Konstantin Yan offered Tinkoff to buy out his stake in CloudPayments. As a result, the shares were distributed as follows: the Tinkoff group owns 95%, Dmitry Spiridonov - 5% of CloudPayments.

Tinkoff Bank owns 90%

Tinkoff Group, an online provider of retail financial services that develops the Tinkoff.ru ecosystem, announced the acquisition of 35% in the CloudPayments Internet acquiring service. The agreement was signed on May 22, 2019.

Tinkoff increased its stake in CloudPayments to 90%

Earlier, in October 2017, the Group acquired 55% in CloudPayments. After the closing of the transaction, the Group's total share will be 90%. The company's founders still own 10% in CloudPayments.

According to Tinkoff representatives, the deal will strengthen the synergistic effect of business development, strengthen the CloudPayments technology platform and continue to expand the ecosystem for Tinkoff Business entrepreneurs in the direction of Internet acquiring. CloudPayments will continue to operate under its own brand. The transaction does not involve any significant personnel or operational changes in the company's operation.

Oliver Hughes, Chairman of the Board of Tinkoff Bank, noted that since the conclusion of the first 55% buyout deal in CloudPayments in October 2017, the company has met expectations and demonstrated stable development, continuing to outperform the market in terms of growth and occupy a leading position.

According to Dmitry Spiridonov, co-founder and CEO of CloudPayments, the Tinkoff team helped them with their expertise while maintaining CloudPayments' independence, which allowed them to remain as mobile and autonomous as possible and quickly implement improvements.

Through deeper integration, we will be able to strengthen our leadership in the Internet acquiring market and offer an even higher level of service for partners, he added.

2017

Tinkoff Bank entered CloudPayments capital (55%)

This was stated by the founder of Tinkoff Bank Oleg Tinkov at a meeting with journalists on October 12.

"We are starting to buy up fintech companies. Not only will we bring some of our brand, money and technology, but we will also allow the company to grow on its own. We will not interfere in operating activities and absorb the company, "said O. Tinkov

The amount of the transaction was not disclosed, but the head of Tinkoff Bank Oliver Hughes said that Cloud Payments retained its stake at 45%, so the credit institution bought 55% of Cloud Payments online acquiring.

All companies that are part of the CloudPayments group fall into the perimeter of the transaction: businesses in Kazakhstan and Latvia, as well as CloudKassir.

No changes are planned in the CloudPayments team: all its employees will continue their work, the company will continue to be headed by founders Dmitry Spiridonov and Konstantin Yan. At the same time, Tinkoff Bank managers will join the CloudPayments board, thus strengthening the existing team.

No changes are planned for CloudPayments customers and partners: the company will continue to cooperate with all partner acquiring banks on the same terms.

In partnership with Tinkoff Bank, CloudPayments will continue to develop its technology platform and make its service even more convenient for all its users. Tinkoff Bank, thanks to the deal, will strengthen the direction of Internet acquiring and business services and provide all its services, technologies and resources for further growth of the company.

ТОО «CloudPayments Kazakhstan»

At the beginning of the year, it was announced that it had passed registration as a payment organization by the National Bank of the Republic of Kazakhstan. The corresponding registration record No. 02-17-003 of January 12, 2017 was entered into the register of payment organizations.

In the summer of 2016, legislation in the field of payments and payment systems was largely modernized in Kazakhstan. The previous law regulated only the norms on the procedures for making payments and money transfers, covering only the relationship between the bank and its client. The document comprehensively regulates relations in the field of organizing the payment market, protects the rights of consumers of payment services, and also defines payment procedures in accordance with international practice.

particular, state control over the activities of private non-bank payment organizations operating in the payment market of Kazakhstan is introduced. The Law of the Republic of Kazakhstan of July 26, 2016 "On Payments and Payment Systems" provides for the regulation of the activities of private non-bank payment organizations through their registration with the National Bank. The procedure is mandatory and without its passage, the provision of payment services by the organization, as well as the use of the words "payment organization" in the name is unacceptable.

2016

CloudPayments launched payment inside software

Logo in 2015

Since March 216, it became possible to buy or renew the program license on one of the installation steps without going to the developer's website. To do this, you need to download the installation file, enter the minimum contact details, and in the next step pay for the purchase of software inside the installer.

Thanks to the CloudPayments tool, the fields for entering bank card data are built into the software. For example, this payment can be made when installing ESET NOD32 antivirus, a large international expert company in the field of protection against cybercrime and computer threats.

CloudPayments raised $3.4 million in Kazakh investments

The CloudPayments payment service entered the Kazakhstan market in the spring of 2016. Investments of the Kazakh entrepreneur in the amount of $3.4 million were attracted to open a new company in exchange for 40% of CloudPayments Kazakhstan.

2014

CloudPayments - winner of the "Startup of the Year" 2014 award in the nomination Fintechstartup"-."

2013: Founding of the Company

CloudPayments was founded on April 13, 2014 by Konstantin Yan and Dmitry Spiridonov. CloudPayments payment service is an innovative and high-tech designer of payment solutions for any Internet business that accepts bank cards.

The technology allows you to accept payments using credit cards online: websites, mobile sites, mobile applications and applications on social networks FB and VK; as well as offline: courier delivery, restaurants, charity, small and medium-sized businesses.

"In 2013, there was a change in eras, new generation payment processing systems with 21st century tools appeared: javascript and mobile sdk, dunning management, marketplace and others. We waited for them to appear in Russia, but this did not happen in a year. Looking at this, it was impossible not to create a new payment service, "says Konstantin Yan to CTO CloudPayments.

So a new payment form appeared - Smart widget. It contains a minimum of fields for filling, automatically determines the payment system and the issuing bank, makes payments without forwarding and redirection. This saves the payer's time. After all, the user gets tired of waiting for the site of the processing center to load and goes to another online store.

At first, it was difficult for a young, unknown company to attract new customers. The first partner was the Steak at Home online store.

According to Dmitry Spiridonov, CEO of CloudPayments, he once ordered a steak at Steak at Home, but there were problems paying for the order. In such situations, the buyer is looking for another online store. However, Dmitry called Steak at Home and spoke about such a payment reception that keeps customers.

So Internet companies want to manage payments themselves. But without a payment service for this, they have to receive an expensive PCI DSS security certificate. In addition, it is difficult to configure from the technical side. The payment service solves this problem by acting as an encoder. Payment data goes to the site in the form of a token, and online stores set up the payment form at their discretion and control transactions. This technology is called checkout.

"First, the process of paying for the system looks the way we want it. Secondly, checkout allows us to measure and remove analytics of payments. We can understand in the payment process what problems the user has, "says Anton Bryantsev, CTO of the Radario ticketing platform.

Another technology is paying directly from social networks.

"Now all people who go to our Facebook page immediately see a large and beautiful red button, pressing which can help children without leaving the social network and without going to the foundation's website. Of course, this is not the most important tool for fundraising, but we know for sure that most people donate, giving in to momentary momentum. And here it is very important to give this opportunity to a person instantly, "commented Evgenia Lobacheva, coordinator of corporate projects at Rusfond.

Thanks to technology, the young payment service CloudPayments managed to reach self-sufficiency in September. The company moved to a new, spacious office, expanded its staff and went into steady growth.