Payment methods for individuals

Individuals can top up their personal account and pay for the resources they use with a bank card linked to their billing account.

We accept Visa, MasterCard, and MIR bank cards.

Linking a bank card

Individuals are required to link a bank card to their billing account when creating it.

To make sure your bank card is valid, a small amount will be held in your account. This amount will not be debited and will become available once verification is complete and the funds are released. The amount of time before held funds are released depends on how and when your bank handles transactions.

Personal account top-up

We recommend that you independently monitor the spending of funds on your personal account and top up the balance so that it is always positive. If the funds for the resources consumed cannot be debited from any of your linked bank cards or charges to your personal account balance exceed the maximum allowed credit limit, Yandex.Cloud reserves the right to change the status of your billing account to PAYMENT_REQUIRED.

For more information, see the section Billing cycle.

Debiting of funds

Funds are automatically debited from the bank card linked to the billing account at the beginning of the next reporting month if the total debited amount is greater than zero.

Note

Yandex.Cloud reserves the right to automatically debit funds during the current reporting period if your account balance exceeds the credit limit set.

The payment is usually transferred within 15 to 20 minutes. In accordance with Russian Federal Law No. FZ-54 "On the use of cash registers", you will be sent a payment receipt by email. We recommend that you keep payment receipts, but even if you delete them, you can view your payment history.

If your bank card balance is insufficient on the day when funds are to be debited, the debit transaction will be repeated later. If the funds cannot be debited within one day, they may be debited from one of the bank cards linked to your Yandex.Passport account.


For more information, see the section Billing cycle.

Charged amount

The total amount charged depends on whether you have used your grant and topped up your personal account during the reporting period.

The amount charged is calculated using the formula: image


The personal account balance at the beginning of the reporting period is 0 rubles.
The personal account has not been topped up during the entire reporting period (0 rubles).
The grant amount is 1,000 rubles.
The credit limit is 2,000 rubles.
In the middle of the reporting period, the established credit limit has been reached and the amount for resources consumed is 3,000 rubles.
Total amount: 3000 - (0 + 0 + 1000) = 2000 (rubles).
In the middle of the reporting period, 2,000 rubles may be debited from the linked bank card.


The personal account balance at the beginning of the reporting period is 0 rubles.
The personal account has not been topped up during the entire reporting period (0 rubles).
The grant amount is 1,000 rubles.
At the end of the reporting period, the amount for consumed resources is 800 rubles.
The grant amount at the end of the reporting period is 200 rubles. The personal account balance has not changed.
At the beginning of the next reporting month, no funds will be debited from the linked bank card.


The personal account balance at the beginning of the reporting period is 0 rubles.
The personal account has not been topped up during the entire reporting period (0 rubles).
The grant amount is 1,000 rubles.
The credit limit is 2,000 rubles.
At the end of the reporting period, the amount for consumed resources is 2,300 rubles. The credit limit has not been reached and the grant has been fully spent.
Total amount: 2300 - (0 + 0 + 1000) = 1300 (rubles).
At the beginning of the next reporting period, 1,300 rubles will be debited from the linked bank card.