Payment Bros/ SBP Dashboard
CBR official data, checked 30 Jun 2026

SBP: From C2C Transfers to Retail Rail

Russia's FPS started in 2019 with phone-number C2C instant transfers and expanded into retail C2B payments by 2020. Its C2B rail works in e-com and in-store, making SBP a key retail alternative with 16% volume share.

Retail Share Crossed 12% In 2025

A direct card-retail comparator: SBP C2B payment value against SBP C2B plus consumer card purchases.

C2B share versus card retail payments

Quarterly, 2022Q1-2026Q1. SBP C2B payment value divided by SBP C2B plus card goods/services payment value.

Sources

C2B Usage Became A Repeatable Rail

Transaction count shows repeated use: C2B grew from 20M purchases in 1Q2022 to 5.29B in 2025.

Quarterly SBP C2B transactions

Billion transactions per quarter. The line shows the retail rail becoming routine, not just available.

Source

The System Mix Moved Beyond C2C

C2B reached 28.8% of all SBP operations by 4Q2025, turning the system into more than a transfer service.

C2B share of SBP operations

C2B transactions divided by all SBP operations, quarterly. The mix shift shows retail payments becoming a core use case.

Source

Domain Definitions

One C-based notation keeps Russian source labels comparable across the page.

C2C

Consumer-to-consumer. Typical use cases: money transfers between individuals and wallet funding.

C2B

Consumer-to-business. Typical use cases: in-store QR payments, online payment links, and consumer payments to service providers.

B2C

Business-to-consumer. Typical use cases: merchant refunds, salary payouts, cashback, and benefit payments.

B2B

Business-to-business. Typical use cases: invoice settlement, supplier payments, inter-company transfers, and escrow release.

Official Sources

Every figure links back to official Bank of Russia sources.

Metric Rules

  • C2B share against cards = SBP C2B payment volume / (SBP C2B payment volume + consumer card goods/services payment volume).
  • C2C hero metric counts 2025 person-to-person SBP transfers reported by CBR.
  • B2C hero metric adds CBR payout and cashback transfer counts.
  • Cards mean consumer card payments for goods/services; cash withdrawals, card-to-card transfers, and government payments are excluded.
  • Transaction charts count operations; the retail-share chart uses payment volume for comparability with cards.
  • Longer C2B volume and mix trends are rounded because they come from CBR chart data; latest comparison points use current CBR statistical workbooks.

Source List

CBR Faster Payments System project launch, Jan 2019

Launch context for phone-number instant transfers and the planned move into QR payments to legal entities.

CBR NPS oversight results, 2020

Annual oversight review used for the early C2B expansion timeline.

CBR SBP analytics, 4Q 2025

Quarterly SBP trend data for total operations, C2C, C2B, value, and acceptance context.

CBR National Payment System statistics

Official entrypoint for current Bank of Russia payment-system workbooks.

CBR SBP statistics workbook

Current exact SBP transaction counts and values by reported transfer domain.

CBR card statistics workbook

Consumer card goods/services payment data used for the retail C2B comparator.