T-Bank Payment Gateway for Acelle Mail

Accept Russian-issued card payments in your Acelle SaaS through T-Bank’s hosted checkout — no PCI scope on your side, no card data ever touches your server. Drop-in plugin for Acelle Mail SaaS billing. T-Bank handles the card form, 3DS authentication, and fraud screening. You collect the payout in your T-Bank merchant account.

Why T-Bank?

T-Bank (formerly Tinkoff Bank, rebranded in 2024) is the largest digital bank in Russia and runs the most widely-deployed e-acquiring service for Russian online businesses. If your Acelle SaaS targets the Russian or CIS market, T-Bank is what your customers expect to see at checkout — alongside Sberbank and YooMoney, T-Bank is one of the three “must-support” Russian payment options.

What you get out of the box:

• Hosted checkout (PaymentURL) — T-Bank renders the card-entry page on securepay.tinkoff.ru. Your Acelle install never touches a card number.
• 3DS / SCA — T-Bank handles the authentication step in-flow.
• Fraud screening — T-Bank’s antifraud engine screens transactions before settlement.
• Mobile-friendly checkout — works on mobile browsers and supports Apple Pay / Google Pay where the customer’s card is provisioned.
• Webhook-based status delivery — T-Bank POSTs verified status updates back to Acelle; the plugin verifies the HMAC token and updates the PaymentIntent.

What this plugin does

Adds T-Bank as a payment-gateway type inside Acelle’s admin. Once installed, your Plans → Payment Gateways screen lets you add one or more T-Bank Terminals (e.g. one DEMO sandbox for testing, one production for live customers). Customers checking out can pick T-Bank alongside Stripe, Offline, or any other gateway you’ve enabled. Registers alongside Acelle’s existing gateways without modifying core code. Requires Acelle 4.0.24+ and PHP 8.1+.

V1 scope — important

V1 supports one-off card charges only. Each customer click → one T-Bank transaction. This is well-suited to:

• Plan purchases (one-off subscription start)
• Top-up / pay-as-you-go credits
• One-time fees

It is NOT suited to:

• Auto-renewing subscriptions where the card is charged silently each month — that uses T-Bank’s RebillId flow and is planned for V2.

If you need recurring auto-charge today, use Stripe (Acelle ships with Stripe support) for those plans and T-Bank for one-off purchases. Both can run side-by-side in the same Acelle install.

Feature highlights

• ✅ Drop-in installation — upload the ZIP through Acelle’s standard plugin installer; activate with one click
• ✅ DEMO sandbox + Production terminals — pick by Terminal Key suffix (…DEMO = sandbox)
• ✅ Webhook-verified payments — async status updates with HMAC SHA-256 token verification
• ✅ Multiple terminals — register one DEMO and one production gateway side by side
• ✅ Connection test on save — wrong Terminal Key or Password fails immediately at configuration, not later at customer checkout
• ✅ Multi-tenant friendly — each Acelle tenant configures its own T-Bank merchant account
• ✅ Disable without uninstall — flip the plugin to inactive and T-Bank disappears from the gateway picker; existing rows are preserved
• ✅ Translated — English included; ships with translation hooks so your installed Acelle language packs (RU, etc.) auto-cover the new strings
• ✅ Unobfuscated source — plain .php files, no ionCube, no encoder. Audit and customise freely under the Envato license

What’s included

• Plugin ZIP — acelle-tbank-v1.0.x.zip — ready to install
• PHP source — Full source (no obfuscation): ServiceProvider, TBankGateway service, 3 controllers (Checkout, Return, Webhook), TBankApi HTTP client
• Documentation — HTML user guide (install / enable / configure / webhook setup / DEMO testing / troubleshoot), this listing description
• Screenshots — 8 high-resolution screenshots showing every step of the flow
• Tests — Unit tests for TBankApi (PHPUnit / Pest compatible)
• License — Envato Regular License (single end-product) — Extended License also available

Compatibility

• Acelle Mail — 4.0.24 and newer
• PHP — 8.1+ (matches Acelle’s own minimum)
• T-Bank account — Merchant cabinet at tbank.ru/kassa with at least one Terminal (DEMO or production)
• Server — Outbound HTTPS to securepay.tinkoff.ru on port 443. Plus inbound HTTPS so T-Bank can POST async webhook callbacks to your Acelle install.
• Database — Uses Acelle’s existing payment_gateways table — no new migrations in v1

Frequently asked questions

Do I need a Russian legal entity to use T-Bank?
For a production Terminal, yes — T-Bank requires Russian KYC / business verification. For the DEMO sandbox, no — anyone can sign up at tbank.ru/kassa/dev/payments/ and create a test terminal.

Will this plugin work alongside my existing Stripe / Paddle / Offline setup?
Yes. Acelle supports multiple active gateways concurrently. This plugin only registers tbank as a new option; it does not interfere with existing gateways.

Does it support recurring subscriptions?
Not in V1. V1 is one-off charges only. T-Bank’s RebillId (stored-card auto-charge) is planned for V2. For V1, run T-Bank as a one-off-charge gateway and use Stripe / Paddle for recurring plans.

Why does T-Bank require a webhook when other plugins (e.g. Paddle) don’t?
T-Bank’s API is push-based — they POST status updates to your server. Most other gateways either expose a read API (so the app can pull state) or both. T-Bank’s webhook is the only authoritative signal that a payment succeeded; the browser return URL is informational and never trusted by the plugin. Setting the Notification URL in the T-Bank merchant cabinet is a one-time step (see §6 of the user guide).

My T-Bank account predates the rebrand — is it still “Tinkoff” in my dashboard?
The API host (securepay.tinkoff.ru) and most legacy URLs still carry the Tinkoff name even though the brand is now T-Bank. The plugin works with both. If your merchant cabinet URL is business.tinkoff.ru, that’s the same product — just an older URL.

Is the source open / unobfuscated?
Yes. All PHP source is delivered as plain .php files — no ionCube, no obfuscator. You can audit, fork, and customize it under the Envato license terms.

Changelog

v1.0.1 — Current

• Initial public release on CodeCanyon

(Future releases will be appended here. CodeCanyon emails buyers when a new version is uploaded.)

Planned for v1.1+

• RebillId flow for stored-card auto-charge (recurring subscription support)
• Refund button in admin payment-intent view
• Migrating to T-Bank’s “Tokenize → Charge” two-step API for saved-card UX

Support

• Documentation: full HTML user guide bundled with the ZIP (also linked from the CodeCanyon item page)
• Item comments: ask publicly under the item’s Comments tab
• Direct contact: see the Author column on the CodeCanyon item page

Reasonable scope: install help, configuration help, bug reports against an unmodified install. Out of scope: T-Bank account / merchant cabinet / payout issues (those go to T-Bank support), Russian-language localisation work, custom development against the plugin source, Acelle core modifications.

License

Envato Regular License — use in a single end-product (one Acelle install / one Acelle SaaS instance). For SaaS providers reselling Acelle to multiple end customers under their own brand, the Extended License applies. Full terms: https://codecanyon.net/licenses/standard