Step 1
The buyer fills in the form
The buyer types their name, date of birth, passport and phone into the instalment form, just as they do now. If an extra check is needed, the passport is photographed — the fields fill in automatically.
Buyer checks for BNPL and instalments
We check the buyer right inside the instalment checkout, without taking them out of the basket: whether the passport is valid, whether there are debts or bankruptcy, what their credit score is, whether the phone belongs to them and whether they are taking out instalments on someone else's data. In a single API request and from 5 ₽ per check.
Full name and date of birth Russian passport Tax number Phone number
Data stored in Russia · Russian software registry no. 19972 · 152‑FZ
What the instalment services law requires
Federal Law No. 283‑FZ «On instalment service provision» has been in force since 1 April 2026. Below are the rules that affect who is checked at checkout, and how.
NeuroVision checks the buyer's data against state and commercial databases. The way identity is established, the instalment decision and the transfer of data to the credit bureaus are chosen and carried out by the operator.
- Choose the checks
The operator and the register
283‑FZ — instalment services since 1 April 2026.
From 1 April 2026
- An instalment service may be provided only by a legal entity listed in the Bank of Russia register of operators (art. 2, 5)
- The operator's minimum capital — 5 million ₽ (art. 4)
- A decision on entry in the register — up to 30 working days (art. 5)
The buyer
- Charging the buyer a fee for the instalment service is prohibited (art. 14)
- Solvency checks
The instalment contract
283‑FZ, art. 13 — terms, penalties and the credit bureau threshold.
Time allowed to pay the contract price
- No more than 6 months — contracts from 1 April 2026
- No more than 4 months — contracts from 1 April 2028
Penalties and repayment
- A late-payment penalty — no more than 20% a year
- Early repayment in full or in part — at any time, free of charge
The 50,000 rouble threshold
- A contract price plus the debt owed to the operator and its affiliates above 50,000 roubles — only with data sent to the credit bureaus (218‑FZ)
- More about the Unified Biometric System
The buyer's identity
283‑FZ, art. 14, cl. 1, item 6 — for sending data to the credit bureaus.
One of four ways
- Name, date of birth, passport, tax number and phone number — a match against state systems plus a code sent to that number
- Signing in through the state services portal — a qualified or simple electronic signature issued in person
- Authorisation at a bank that has already identified the client — under 115‑FZ, other than the simplified procedure
- Authentication through the Unified Biometric System — 572‑FZ
What to check while the buyer is still in the basket
An instalment service has seconds to decide — between the data being typed in and the «Buy now» button. These are the checks that answer the main question in that time: will this person pay the money back, and are they who they say they are.
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Passport and tax number against state databases
Passport validity is checked against police data, the tax number is found from the passport at the tax service, and the social insurance number is verified through the Social Fund. This data is needed both for the decision and for matching when details are sent to the credit bureaus.
Learn moreMost often enabled:
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Debts and bankruptcy
Bailiff enforcement proceedings, bankruptcy cases in the federal register, tax arrears and frozen accounts. A buyer whose accounts are frozen is unlikely to make the second payment.
Learn moreMost often enabled:
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Credit score
A reliability score from credit bureau data, from 0 to 9, and a financial score from microfinance market data, from 0 to 1000. You set the approval threshold. The buyer's consent is required.
Learn moreMost often enabled:
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The buyer's phone
Whether the number belongs to this person, whether it is active right now and how old it is. Checking the client's phone number is the first signal that the instalments are being taken out on someone else's data.
Learn moreMost often enabled:
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A passport photo — no manual entry and no forgeries
When an extra check is needed — a large purchase or a doubtful application — the passport is read from a photo, and 40+ anti-fraud checks find traces of editing, a printout or a shot taken off a screen.
Learn moreMost often enabled:
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Watchlists and sanctions
The Rosfinmonitoring watchlist is mandatory for operators that are banks or microfinance companies under 115‑FZ. For other services, it and the sanctions lists help avoid dealing with people on the lists.
Learn moreMost often enabled:
A check that does not cost you conversion
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No extra steps for the buyer
The checks run on the data the buyer has already entered in the instalment form: name, date of birth, passport, phone. No photo, no jump to another page, no waiting for an operator.
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A set of checks matched to the amount and the history
For a small purchase by a regular buyer, debts, bankruptcy and the phone are enough. For a first purchase, or an amount above which data goes to the credit bureaus — the full set, with passport, tax number and credit score.
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An answer before the «Buy now» button
The checks answer while the buyer is looking at the payment schedule. If a source did not answer or there was not enough data, the check is marked as skipped, is not charged for, and the decision stays with your rules.
The instalment decision is the operator's.
NeuroVision provides the data so the buyer does not leave the basket.
How the check fits into the instalment checkout
The checks are wired into the instalment form on your side: the buyer's data goes to the API, and the answer comes back into scoring before the decision.
Step 2
The checks — in a single request
Only the checks you have switched on run against that data: passport, tax number, bailiff proceedings, bankruptcy, credit score, phone, the Rosfinmonitoring watchlist.
Step 3
An answer to decide on
For each check — the result, the source and the date, in JSON. Your service rules approve the instalments, lower the limit, ask for a passport photo or decline. Skipped checks say which data was missing.
Anti-fraud at the instalment checkout
Someone else's passport from a data leak
Real data, but not the right person
The passport is valid, the tax number is found — the databases show nothing wrong. The phone gives it away: the number is registered to someone other than the passport holder, or was bought days ago. Matching the name against the number at the mobile operator finds the substitution before approval.
Burner numbers
A number bought for a single purchase
The confirmation code arrives exactly where the fraudster needs it. The «Age of the number» and «Activity» checks show a fresh or already disconnected number — a strong risk signal on a first purchase.
Money mules and front buyers
Instalments taken out for a fee
A front buyer has no intention of paying: behind them are bailiff proceedings, bankruptcy, frozen accounts, the status of a mass-registered director. These checks show that profile in a single request.
Multiple accounts to get round the limit
One person — several accounts
A buyer opens accounts on different numbers to take out more instalment plans. The tax number from the tax service is tied to one person and no one else: your service uses it to link the accounts, however many numbers there are.
A purchase with no intention of paying
Expensive electronics to be resold
A person in debt takes electronics on instalments to sell them for cash straight away. The credit score, bailiff debts and tax arrears show the load before the operator pays the seller for the goods.
5
schemes the checks find before approval
Which checks an instalment service should switch on
Put together a set to match your approval model: every check is switched on separately, and you pay for the requests that were carried out. Descriptions, sources and response fields are in the API check catalogue.
The passport and the buyer's data
Whether the document is valid and whether the data matches the state databases.
- Police · SMEV
Validity of a Russian passport
The authenticity and validity of a Russian passport through the interagency interaction system. It catches expired, replaced, lost and invalid documents and verifies that the passport was issued to this particular person.
5 ₽ / check
Learn more - Federal Tax Service
Retrieving the tax number
Determining the tax number from the passport data. It unlocks the checks that need precise identification of the person — with no namesakes.
5 ₽ / check
Learn more - Social Fund · SMEV
Validating the social insurance number
Checking the social insurance number against the full name and date of birth: does the number really belong to this person. The answer is a match or no match.
5 ₽ / check
Learn more - Telecom operators
Age confirmation
Confirming that the customer is of age from telecom operator data — with no passport scan.
5 ₽ / check
Learn more - Rosfinmonitoring
The list of terrorists and extremists
Screening against the list of people involved in extremist activity or terrorism. A mandatory check under 115-FZ.
5 ₽ / check
Learn more
Debts, bankruptcy and the score
Whether the buyer will be able to make every payment on the schedule.
- Federal Bailiffs Service
Enforcement proceedings
Active enforcement proceedings from the bailiffs' database: the amounts owed, the claimants, the type of recovery and an estimate of how close the person is to bankruptcy given their total debts.
5 ₽ / check
Learn more - Federal bankruptcy register
Personal bankruptcy
A search of the federal bankruptcy register: personal bankruptcy cases filed and completed. By tax number the result is unambiguous.
5 ₽ / check
Learn more - Tax service · SMEV
Tax arrears
An individual's outstanding debt on taxes and payments administered by the tax service.
5 ₽ / check
Learn more - Federal Tax Service
Account operation freezes
Tax authority decisions suspending account operations: the date, the decision number and the reason for the freeze.
5 ₽ / check
Learn more - OKB credit bureau
A creditworthiness score
A reliability score from the credit bureau's data, on a scale from 0 to 9. The score is informational — you set the threshold. It works from the passport, the tax number, the phone number or the full name with date of birth, and requires the customer's consent.
5 ₽ / check
Learn more - Microfinance market data
Microfinance credit scoring
An assessment of the borrower's credit quality based on microfinance market data: a score from 0 to 1000. It requires the customer's consent to data processing.
5 ₽ / check
Learn more
The phone number and signs of fraud
Who the number belongs to and whether the passport is forged.
- Telecom operators
The number belongs to the person
Confirmation that the phone number is linked to the customer's name. A yes/no answer.
5 ₽ / check
Learn more - Telecom operators
The number's activity
Whether the number is currently serviced by an operator.
5 ₽ / check
Learn more - Telecom operators
The number's age
How long the subscriber has used the number: from «less than three months» to «more than five years». Freshly bought numbers are a risk factor.
5 ₽ / check
Learn more - KYC · OCR
Passport recognition
A passport is read from a photo with no manual entry — the instalment form fields fill in automatically.
- 40+ checks
Document anti-fraud
40+ checks find traces of editing, a printout and a passport shot taken off a screen.
What a buyer check costs
A fixed price per check, with no subscription fee. Checks skipped for lack of data are not charged for. At a typical instalment basket size that matters: the check must not eat up the seller's margin.
- Configure a set
Individual checks
5 ₽ per check
Only what your approval model needs: bailiff proceedings, bankruptcy, phone ownership and age, say — 20 ₽ per purchase.
- Most popular choiceEnable the package
The «16 in 1» basic package
50 ₽ per package (3.125 ₽ per check)
16 key checks from a single passport, including the Rosfinmonitoring watchlist. Separately — 80 ₽. For a first purchase and for amounts above which data goes to the credit bureaus.
- Enable
International compliance screening
36 ₽ per check
PEPs, sanctions lists from over 50 countries, regulatory measures and adverse media — for operators that are banks or microfinance companies, and for foreign buyers.
Passport recognition and document anti-fraud are charged separately; the price of scoring checks and phone number checks we will confirm for your purchase volume.
How to build the check into checkout
Two REST API methods: one starts the checks on the buyer's data, the other returns the result. The checks fit into the instalment form, scoring or CRM — the buyer never sees them.
- JSON in and out
- A result for every check
- Webhooks
- Sandbox and documentation
Test access on the day you ask for it.
Integration — from a single day, and you pay for the checks carried out.
Why instalment services choose NeuroVision
An instalment service needs a provider that answers faster than the buyer can change their mind, and charges only for the checks carried out.
Every buyer check — in one API
Passport, tax number, debts, bankruptcy, credit score, phone, watchlists and passport anti-fraud — in a single request and under a single contract.
No need to reconcile the answers of five providers in your approval model.
Read also
Check conversion, anti-fraud and the economics of onboarding — in our blog.
369 27
KYC, AML and Digital Identification
The KYC Funnel: How to Increase Verification Completion and the Approval Rate Without Slowing Down the Decision
331 16
KYC, AML and Digital Identification
The economics of KYC: how to calculate the cost of an approved customer and the price of errors
408 22
Anti-Fraud, Liveness and Deepfake Protection
Anti-Fraud in Document Verification: How to Detect Forgeries and Traces of Editing
80 29
KYC, AML and Digital Identification
115-FZ: What Businesses Are Required to Do and How to Meet the Law’s Requirements
Common questions about checking buyers taking instalments
Passport validity through police data, the tax and social insurance numbers, bailiff enforcement proceedings, bankruptcy, tax arrears and frozen accounts, a credit score from credit bureau data, the ownership, activity and age of the phone number, and the Rosfinmonitoring watchlist. If a passport photo is needed — recognition and document anti-fraud: forgeries, traces of editing, a shot taken off a screen.
No. Law No. 283‑FZ gives the operator four ways to establish the buyer's identity before sending data to the credit bureaus: matching the buyer's details against state systems plus a code sent to their number, signing in through the state services portal, authorisation at a bank that has already identified the client, and the Unified Biometric System. The operator chooses and applies the method. NeuroVision checks the passport, the tax number and the social insurance number against state databases — the operator uses that data in its own procedure.
Law No. 283‑FZ came into force. An instalment service may be provided only by a company in the Bank of Russia register of operators. The instalment term is no more than six months, and for contracts from 1 April 2028 — no more than four. The penalty is no more than 20% a year. If the contract price together with the buyer's debt to the operator exceeds 50,000 roubles, the data is sent to the credit bureaus.
Check on the data the buyer has already entered in the instalment form — with no photo and no jump to another page. For small purchases by regular customers a short set is enough: debts, bankruptcy, phone. The full set, with passport, tax number and credit score — for a first purchase and large amounts.
Check that the passport is valid and that the phone belongs to the passport holder, is active and was not bought days ago. Use the tax number to link one person's accounts. If there is not enough data — ask for a passport photo and check it for forgery.
For the credit score and microfinance scoring — yes, consent to data processing and to a credit bureau request is needed. For the other checks — the consent to personal data processing under 152‑FZ that the operator obtains at checkout.
Banks and microfinance companies that offer instalments are covered by 115‑FZ and check clients against the Rosfinmonitoring watchlist. For other operators, duties under 115‑FZ are currently being debated in a draft law. A watchlist check at NeuroVision costs 5 ₽ and is switched on with a single line in the request.
Each check against the databases — 5 ₽. Bailiff proceedings, bankruptcy, phone ownership and age, for example — 20 ₽ per purchase. A package of 16 checks from a single passport — 50 ₽. There is no subscription fee, and skipped checks are not charged for.
Yes, test access is granted the same day. Send us an export of test applications — we will work out how many of them would have been filtered out at each check.
We will put together the checks for your instalment service
Tell us how many instalment purchases you process a month and what the average basket is — we will assemble a set of checks and give you test access the same day.
Can't put your request into words? Book a call and our team will contact you at a convenient time
Book a call
The company is included in the register of IT companies and the register of personal data operators of the Russian Ministry of Digital Development.
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