Historical case study. The project closed in 2026; this description covers its development period.
Zero-commission online payments for restaurants
Direct acquiring integration for a food delivery SaaS platform. 0% order commission instead of 3-5% charged by aggregators.
Challenge
Restaurants on Startodel only accepted cash on delivery. Everyone wanted online payments, but aggregators charge 3-5% per order, payment systems like YooKassa take 2-3.5%, and the money lands in the platform's account. Clients wanted money going directly to their bank account.
Technical details
Solution
I set it up so each restaurant connects their own acquiring through their bank (Sber, Tinkoff, Alfa). The platform just generates a payment link via the client's bank API and receives a callback. Money goes straight to the restaurant - no payment agent status needed on our end. On the backend, I wrote a universal payment adapter - single interface, each bank is a separate module. Adding a new bank means one file with 5 methods (createPayment, getStatus, refund, webhook, healthCheck). The webhook verifies the signature and sends a push via Telegram.
Result
0% commission for the platform - restaurants only pay bank acquiring (1.5-2.2%). Customers started paying online more often than cash on delivery. Adding a new bank takes 1 day of development thanks to the adapter.