Sovest Installment Integration

Integration of Sovest Installment on Website

Sovest is an installment card from Kiwi Bank (project closed in 2023). If you see this document and are considering Sovest integration — refer to current alternatives: Halva (Sovkombank), Split (Tinkoff), Podeli (Alfa-Bank), or SberPay Installments.

Current BNPL Alternatives in Russia

The buy now pay later (BNPL) market in 2024–2025 is dominated by:

Tinkoff Split Integration

Most technically mature replacement. Works via the same API as Tinkoff Kassa, but with product type Credit:

$params = [
    'TerminalKey' => env('TINKOFF_CREDIT_TERMINAL'),
    'Amount'      => 149900, // in kopeks
    'OrderId'     => 'order-12345',
    'Description' => 'Order #12345 — installment',
    'DATA'        => [
        'connection_type' => 'widget',
    ],
];

// Token generation via standard Tinkoff scheme
ksort($params);
$params['Token'] = hash('sha256', implode('', array_values($params)) . env('TINKOFF_CREDIT_PASSWORD'));

$response = Http::post('https://securepay.tinkoff.ru/v2/Init', $params);
$paymentUrl = $response->json('PaymentURL');

Split uses a separate terminal with product type Credit — obtained in Tinkoff Business cabinet when joining the program.

Podeli Integration (Alfa-Bank)

$response = Http::withHeaders([
    'Authorization' => 'Bearer ' . env('PODELI_TOKEN'),
    'Content-Type'  => 'application/json',
])->post('https://api.podeli.ru/v1/orders', [
    'amount'       => 14990,
    'currency'     => 'RUB',
    'orderId'      => 'order-12345',
    'description'  => 'Order #12345',
    'returnUrl'    => 'https://example.com/payment/return',
    'callbackUrl'  => 'https://example.com/webhook/podeli',
    'customer'     => [
        'phone' => '+79001234567',
    ],
    'items' => [
        [
            'name'     => 'Product 1',
            'price'    => 14990,
            'quantity' => 1,
        ],
    ],
]);

$checkoutUrl = $response->json('checkoutUrl');

Podeli — three payments: first at checkout, second and third at equal intervals. Decision made in seconds.

Dolami (Yandex)

Dolami — Yandex BNPL service, integrated via Yandex Pay API:

// Yandex Pay widget
YaPay.createPayment({
  env:     YaPay.PaymentEnv.Prod,
  version:  4,
  paymentSheet: {
    version:  4,
    countryCode: YaPay.CountryCode.Ru,
    currencyCode: YaPay.CurrencyCode.Rub,
    merchant: {
      id:   MERCHANT_ID,
      name: 'My Store',
      url:  'https://example.com',
    },
    order: {
      id:    'order-12345',
      total: { amount: '1499.00' },
      items: [{ label: 'Product 1', amount: '1499.00' }],
    },
    paymentMethods: [
      { type: YaPay.PaymentMethodType.Split, gateway: 'yandex' },
    ],
  },
});

BNPL Calculator on Product Card

function BnplBadges({ price }: { price: number }) {
  const perThree = (price / 3).toFixed(2);
  const perFour  = (price / 4).toFixed(2);

  return (
    <div className="flex gap-2 text-sm text-muted-foreground">
      <span>Podeli: 3 × {perThree} ₽</span>
      <span>Dolami: 4 × {perFour} ₽</span>
    </div>
  );
}

Webhook Pattern for BNPL

Regardless of specific service, all BNPL solutions use similar webhook logic:

public function handleBnplWebhook(Request $request, string $provider): Response
{
    // 1. Verify signature (specific to each provider)
    // 2. Check idempotency (don't process same event twice)
    // 3. Update order status only on final status (APPROVED)
    // 4. Return 200 — otherwise service will retry

    $payload = $this->verifyAndParse($request, $provider);

    if (BnplWebhookLog::where('event_id', $payload['eventId'])->exists()) {
        return response('Already processed', 200);
    }

    BnplWebhookLog::create(['event_id' => $payload['eventId'], 'provider' => $provider]);

    if ($payload['status'] === 'APPROVED') {
        Order::where('id', $payload['orderId'])->update(['status' => 'paid']);
    }

    return response('OK', 200);
}

Time to connect to any BNPL service is 3 to 10 business days depending on provider.