About
Dolyame is a pay-in-four service launched by Tinkoff (now T-Bank) on 20 April 2021 as Russia's first BNPL product, and operated by OOO T-Pokupki. At checkout the buyer enters a phone number, name, date of birth and a card from any bank. A quarter of the price is charged at once, and the remaining three parts are debited from the card every two weeks, about six weeks in total. The merchant is paid in full up front. In December 2025 T-Bank extended Dolyame to its debit cards, T-Pay, and SBP and QR payments, with a starting limit of 30,000 roubles and a maximum of 70,000 roubles.
Russia's BNPL market roughly doubled in H1 2025 and services planned RUB 400bn of instalments for the year, but FZ No. 283-FZ brings BNPL under formal regulation from 2026.
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