Buhgalter

Selling a course, a cohort, a paid newsletter or a membership to a Russian-speaking audience usually ends with screenshots of bank transfers and manual access. Buhgalter (https://buhgalter.app) is a payment gateway for online courses and paid content that removes that step. Students pay by SBP, NSPK QR or card number transfer, or with crypto. Access opens automatically, and your earnings can be withdrawn to USDT.

Why course creators connect

• Students pay the way they are used to. SBP from the banking app, an NSPK QR code from 100 RUB, a card number transfer, or an invoice in USDT, BTC, ETH or TON for those who keep crypto.
• Access without your hands. Your platform or bot gets a signed webhook on payment and opens the lesson, the chat or the download.
• Fees below the market. You pay only for completed payments. A student who changed their mind and never paid costs you nothing.
• Earnings in the currency you like. Hold the balance in RUB or USDT and withdraw to a USDT TRC-20 wallet, a card or an account.
• Refunds stay simple. Return the full price or part of it, with no platform fee on top.
• Protection for big tickets. A separate payment method asks the payer to confirm identity through KYCAID and NeuroVision, which helps when a payment is later disputed.
• Tidy books. Excel exports, CSV for 1C and a reconciliation statement for your accountant.

The deal on one screen

Payment methods: SBP, NSPK QR (from 100 RUB), card number transfer, invoices in USDT / BTC / ETH / TON
Balance: RUB or USDT (USDT by default), exchange rate fixed at payment creation
Withdrawals: USDT TRC-20 wallet, card, bank account
Payouts to others: card, phone, account through the API
Hold: by agreement, starting at T+0
Fee: below market, successful payments only, smaller percent for bigger amounts, individual and VIP grids
Unpaid, cancelled, expired: free
Integration: payment link, widget, own checkout screen, API, webhooks, sandbox with 200 test payments per day
No code: Create payment button in the dashboard
Reports: Excel, CSV for 1C, reconciliation statement

Register at https://buhgalter.app and the manager will name the rate for your monthly sales.

From sign up to the first paid student

1. Open an account at https://buhgalter.app as a store. Mention what you teach or sell and an estimate of monthly volume.
2. After a quick store review you get a personal manager. Together you settle the fee and the hold.
3. Take the API key and try everything in test mode, without real money.
4. Choose how students pay: a link you send in a message, a widget on your landing, your own checkout screen, or a link you create by hand in the dashboard. The guide for your developer says a first QR takes about ten minutes and the full setup with webhook around an hour.
5. Turn on live payments. Withdraw to USDT, a card or an account when you need the money.

Made for these sellers

• Online schools and solo teachers: course access unlocks right after payment.
• Authors of paid newsletters and clubs: members get the invite without waiting for you.
• Template, preset and ebook makers: the download link is sent by your system on the webhook.
• Coaches and consultants: send a payment link in a direct message, no site needed.
• Telegram bots and VPN projects: subscription goes live once the status changes to paid.
• Digital goods shops: keys and accounts delivered automatically.

If your project is different, describe it to the manager. Many categories of business are welcome.

What makes it a good payment gateway for online courses

• Open to many business types, with a living manager on the other end.
• Flexible: fees and hold are negotiated and adjust as sales grow.
• Auto requests: one API call gives payment details or a QR, the result comes by webhook. Failed deliveries are repeated 8 times across roughly 13 hours, and you can resend from the log.
• Auto withdrawal: send payouts to co-authors or partners through the API and move your share to USDT.
• Currencies that suit both sides: students pay rubles or crypto, you keep RUB or USDT.
• USDT payouts on request, no separate exchange step.
• Individual and VIP terms for launches with high volume.
• Several courses or brands as separate stores under one login, split in reports.

Curious how checkout looks for a student? Create an account at https://buhgalter.app and make a test payment.

FAQ

How do I accept SBP payments for an online course?
Send the student a Buhgalter payment link or show the NSPK QR. They pay from their banking app, and your system receives a webhook to open access.

Can students pay in crypto?
Yes, you can issue an invoice in USDT, BTC, ETH or TON.

Do I need a website?
No. A link in a messenger or the Create payment button in the dashboard is enough.

Can I withdraw course revenue in USDT?
Yes. Keep the balance in USDT and withdraw to a TRC-20 wallet. The rate is locked when the payment is created.

What does it cost?
A fee below the market, charged only on successful payments. The manager shares your rate after registration.

Ready to stop checking transfers by hand? Sign up at https://buhgalter.app, run a test payment and open sales once the store is approved. For connection questions write to our manager on Telegram: @buhgalter_tech.