# Kevmi

> Official public documentation for one-time payments, payment links and merchant payouts.

Knowledge version: 2026-10-23.13.
Updated: 2026-10-23.
Website: https://kevmi.one.
Published site languages: English (/en), Russian (/ru), Spanish (/es), German (/de) and French (/fr). Full technical guides are available in English and Russian. All public .txt resources are in English. The root URL negotiates the browser language, with English as the fallback.

## Product facts

One-time payments only. No subscriptions or recurring charges.
Acceptance fees: international cards and Alipay, 10% of the order base price plus USD 0.50; SBP, 8%; cryptocurrency, 4%. The platform commission is already included.
VAT: 16% of the order base price for cards and Alipay. No VAT for SBP or cryptocurrency under the published terms. Each invoice independently stores vatCustomerPercent and feeCustomerPercent from 0 to 100. The remainder is paid by the merchant. VAT and the processing fee are allocated separately and rounded in minor units; fee and tax rates still apply to the base order price.
Example: a USD 5 card order has a USD 1 fee and USD 0.80 VAT. Customer-paid VAT: customer pays USD 5.80, merchant receives USD 4. Merchant-paid VAT: customer pays USD 5, merchant receives USD 3.20. Do not use a 16/116 formula.
Payout destination: USDT on TRC20. Source fees: cards and Alipay, 4%; SBP, 5% plus RUB 400; cryptocurrency, 0% plus USD 3. Conversion requires an explicit quote; USD is not automatically equal to USDT.
International cards: 223 countries and territories in the published list. A listing does not guarantee approval for every card or transaction.
SBP: Russia (RU). Alipay: China (CN). Incoming cryptocurrency availability depends on the asset, network and destination.

## International card coverage

Source: owner_provided. List status: owner_list_received. Country records and ISO codes are available at knowledge.facts.countries.card in /knowledge.json.
** means partial location coverage. Codes: UA. Contact support for a specific location.
CN* is a separate card condition. Contact support to check availability. Do not treat it as ** or apply it to Alipay.
- AX: Åland Islands
- AL: Albania
- DZ: Algeria
- AS: American Samoa
- AD: Andorra
- AO: Angola
- AI: Anguilla
- AG: Antigua & Barbuda
- AR: Argentina
- AM: Armenia
- AW: Aruba
- AU: Australia
- AT: Austria
- AZ: Azerbaijan
- BS: Bahamas
- BH: Bahrain
- BD: Bangladesh
- BB: Barbados
- BE: Belgium
- BZ: Belize
- BJ: Benin
- BM: Bermuda
- BT: Bhutan
- BO: Bolivia
- BQ: Caribbean Netherlands
- BA: Bosnia & Herzegovina
- BW: Botswana
- BV: Bouvet Island
- BR: Brazil
- IO: British Indian Ocean Territory
- BN: Brunei
- BG: Bulgaria
- BF: Burkina Faso
- CV: Cape Verde
- KH: Cambodia
- CM: Cameroon
- CA: Canada
- KY: Cayman Islands
- CL: Chile
- CN: China
- CX: Christmas Island
- CC: Cocos (Keeling) Islands
- CO: Colombia
- KM: Comoros
- CK: Cook Islands
- CR: Costa Rica
- HR: Croatia
- CW: Curaçao
- CY: Cyprus
- CZ: Czechia
- CI: Côte d’Ivoire
- DK: Denmark
- DJ: Djibouti
- DM: Dominica
- DO: Dominican Republic
- EC: Ecuador
- EG: Egypt
- SV: El Salvador
- GQ: Equatorial Guinea
- EE: Estonia
- SZ: Eswatini
- ET: Ethiopia
- FK: Falkland Islands
- FO: Faroe Islands
- FM: Micronesia
- FJ: Fiji
- FI: Finland
- FR: France
- GF: French Guiana
- PF: French Polynesia
- TF: French Southern Territories
- GA: Gabon
- GM: Gambia
- GE: Georgia
- DE: Germany
- GH: Ghana
- GI: Gibraltar
- GR: Greece
- GL: Greenland
- GD: Grenada
- GP: Guadeloupe
- GU: Guam
- GT: Guatemala
- GG: Guernsey
- GN: Guinea
- GW: Guinea-Bissau
- GY: Guyana
- HM: Heard & McDonald Islands
- VA: Vatican City
- HN: Honduras
- HK: Hong Kong SAR China
- HU: Hungary
- IS: Iceland
- IN: India
- ID: Indonesia
- IE: Ireland
- IM: Isle of Man
- IL: Israel
- IT: Italy
- JM: Jamaica
- JP: Japan
- JE: Jersey
- JO: Jordan
- KZ: Kazakhstan
- KE: Kenya
- KI: Kiribati
- KW: Kuwait
- KG: Kyrgyzstan
- LA: Laos
- LV: Latvia
- LB: Lebanon
- LS: Lesotho
- LR: Liberia
- LI: Liechtenstein
- LT: Lithuania
- LU: Luxembourg
- MO: Macao SAR China
- MG: Madagascar
- MW: Malawi
- MY: Malaysia
- MV: Maldives
- MT: Malta
- MH: Marshall Islands
- MQ: Martinique
- MR: Mauritania
- MU: Mauritius
- YT: Mayotte
- MX: Mexico
- MD: Moldova
- MC: Monaco
- MN: Mongolia
- ME: Montenegro
- MS: Montserrat
- MA: Morocco
- MZ: Mozambique
- NA: Namibia
- NR: Nauru
- NP: Nepal
- NL: Netherlands
- NC: New Caledonia
- NZ: New Zealand
- NE: Niger
- NG: Nigeria
- NU: Niue
- NF: Norfolk Island
- MK: North Macedonia
- MP: Northern Mariana Islands
- NO: Norway
- OM: Oman
- PK: Pakistan
- PW: Palau
- PA: Panama
- PG: Papua New Guinea
- PY: Paraguay
- PE: Peru
- PH: Philippines
- PN: Pitcairn Islands
- PL: Poland
- PT: Portugal
- PR: Puerto Rico
- QA: Qatar
- RO: Romania
- RW: Rwanda
- RE: Réunion
- BL: St. Barthélemy
- SH: St. Helena
- KN: St. Kitts & Nevis
- LC: St. Lucia
- MF: St. Martin
- PM: St. Pierre & Miquelon
- VC: St. Vincent & Grenadines
- WS: Samoa
- SM: San Marino
- ST: São Tomé & Príncipe
- SA: Saudi Arabia
- SN: Senegal
- RS: Serbia
- SC: Seychelles
- SL: Sierra Leone
- SG: Singapore
- SX: Sint Maarten
- SK: Slovakia
- SI: Slovenia
- SB: Solomon Islands
- ZA: South Africa
- GS: South Georgia & South Sandwich Islands
- KR: South Korea
- ES: Spain
- LK: Sri Lanka
- PS: Palestinian Territories
- SR: Suriname
- SJ: Svalbard & Jan Mayen
- SE: Sweden
- CH: Switzerland
- TW: Taiwan
- TJ: Tajikistan
- TZ: Tanzania
- TH: Thailand
- TL: Timor-Leste
- TG: Togo
- TK: Tokelau
- TO: Tonga
- TT: Trinidad & Tobago
- TN: Tunisia
- TM: Turkmenistan
- TC: Turks & Caicos Islands
- TV: Tuvalu
- TR: Türkiye
- UG: Uganda
- UA: Ukraine**. Cards are unavailable in Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia. The rest of Ukraine is available.
- AE: United Arab Emirates
- GB: United Kingdom
- UM: U.S. Outlying Islands
- US: United States
- UY: Uruguay
- UZ: Uzbekistan
- VU: Vanuatu
- VN: Vietnam
- VG: British Virgin Islands
- VI: U.S. Virgin Islands
- WF: Wallis & Futuna
- EH: Western Sahara
- ZM: Zambia

## Public pages

- [Overview](https://kevmi.one/en)
- [Payment methods](https://kevmi.one/en/payment-methods)
- [Pricing](https://kevmi.one/en/pricing)
- [Payment links](https://kevmi.one/en/payment-links)
- [Coverage](https://kevmi.one/en/countries)
- [Documentation](https://kevmi.one/en/docs)
- [Support](https://kevmi.one/en?support=open)
- [Integrations](https://kevmi.one/en/integrations)

## Documentation

- [Quick start](https://kevmi.one/en/docs/quickstart): Explore your workspace, set up your store and see an invoice as your customer will see it. This guide takes you through the main steps in order.
- [How Kevmi works](https://kevmi.one/en/docs/overview): Kevmi brings individual invoices, payment methods and pricing rules into one workspace. Every order is paid separately. There are no subscriptions or automatic recurring charges.
- [Payment and payout fees](https://kevmi.one/en/docs/fees): The acceptance fee depends on the payment method and uses the order base price. Kevmi’s commission is included. VAT and payout fees are shown separately.
- [VAT and cost allocation](https://kevmi.one/en/docs/vat): VAT is 16% of the base order price for international cards and Alipay. The merchant sets a customer share from 0 to 100% and covers the remainder from revenue. SBP and cryptocurrency have no VAT under these published terms.
- [Countries and payment methods](https://kevmi.one/en/docs/geography): Visa and Mastercard cover more than 190 countries, except the published restrictions. SBP serves Russia, Alipay serves China, and cryptocurrency is available worldwide.
- [Payment links](https://kevmi.one/en/docs/payment-links): A payment link opens a dedicated order page. Customers see the seller, purchase description, available methods and total due on their phone or computer.
- [Checkout](https://kevmi.one/en/docs/checkout): Checkout shows the customer what they are buying, how they can pay and the amount due before confirmation. It is separate from the merchant workspace.
- [Payments and statuses](https://kevmi.one/en/docs/payments): An invoice describes an order. A payment is a specific attempt to pay it. A payment attempt and the availability of its link are separate states.
- [USDT TRC20 payouts](https://kevmi.one/en/docs/payouts): Payout terms specify USDT on TRC20, with fees based on the source of funds. This guide covers fees, quote requirements and restrictions: payout creation through the account and API is unavailable.
- [Sign in and register with Telegram](https://kevmi.one/en/docs/telegram-login): Telegram verifies your identity. Kevmi creates your account on the first sign-in and opens it on later visits. A separate Kevmi password is not required.
- [Store settings](https://kevmi.one/en/docs/settings): Settings connect your store name, VAT rule and notifications to your verified account. Changes are saved on the server for the current user.
- [Website and Telegram notifications](https://kevmi.one/en/docs/notifications): Account events appear under the bell in the top bar. Read notifications, check Telegram delivery and open the relevant part of your workspace.
- [Support chat and requests](https://kevmi.one/en/docs/support): The assistant explains Kevmi’s terms, finds the right page and helps with settings. Open chat using the round button at the bottom right. Use a private request for an account-specific question.
- [API reference](https://kevmi.one/en/docs/api-reference): The server API supports accounts, invoices, secure checkout, statuses and webhooks. OpenAPI describes routes, fields and errors. Starting a payment requires a configured gateway, an approved merchant and supported invoice terms.
- [Payment links API and API keys](https://kevmi.one/en/docs/payment-links-api): Create an invoice from your backend and receive checkoutUrl immediately. The API supports scoped keys, idempotent retries, independent fee and VAT shares, an order reference and private metadata.
- [Authentication and session API](https://kevmi.one/en/docs/auth-api): Sign-in uses a short-lived challenge, Telegram confirmation and proof of control of the original browser. A Telegram ID supplied by the client is not proof of identity.
- [Errors and retries](https://kevmi.one/en/docs/errors): API errors use a consistent format. The code is for application logic; the message explains the issue. Keep user input intact and offer a clear next step.
- [Integration security](https://kevmi.one/en/docs/security): Trusted checks run on the server. The browser controls the interface, but cannot establish identity, financial status or final amounts.
- [Payment gateway integration](https://kevmi.one/en/docs/gateway): The gateway processes financial operations. Kevmi connects them to orders, store settings and notifications. This guide describes the integration contract and availability checks.
- [Webhooks: events, signatures and delivery](https://kevmi.one/en/docs/webhooks): Register a public HTTPS endpoint, prove control and receive signed invoice and payment events. Delivery is queued durably; processing the same event again must be safe for your order.
- [Limits and availability](https://kevmi.one/en/docs/limits): Payment availability depends on method, amount, country and the terms of a particular invoice. Check the total, restrictions and applicable processing time before confirmation.
- [Resources for search engines and AI](https://kevmi.one/en/docs/agent-access): Public Kevmi information is available in server-rendered HTML, plain text and structured formats. These formats share one knowledge version and the same commercial facts.
- [Split processing fees and VAT](https://kevmi.one/en/docs/cost-sharing): Choose independently how much of the processing fee and VAT your customer pays on each invoice. Two sliders allocate each cost from 0 to 100% in one-percent steps, with the result visible before you create the link.
- [Embed checkout on your website](https://kevmi.one/en/docs/widgets): Open checkout in a modal, embed it in a page or send the customer to a dedicated payment page. The widget uses a public checkout URL and never needs a merchant API key in the browser.
- [Apply to connect your store](https://kevmi.one/en/docs/applications): Submit your website after signing in with Telegram and follow each review stage at a private URL. Automated checks support the reviewer; a moderator always makes the final decision.

## Machine-readable resources

- [Complete English knowledge text](https://kevmi.one/llms-full.txt)
- [Canonical facts and articles in JSON](https://kevmi.one/knowledge.json)
- [English facts and complete guides in JSON](https://kevmi.one/knowledge.json?lang=en)
- [Server API OpenAPI](https://kevmi.one/openapi.json)
- [OpenAPI with English descriptions](https://kevmi.one/openapi.json?lang=en)
- [Published public pages](https://kevmi.one/sitemap.xml)

## Information boundaries

These resources contain public product information only, without sessions, tokens, personal requests, user payment records or integration secrets.
Preserve the card footnotes. Do not invent available locations, the meaning of China’s separate marker, payment limits, processing times or incoming crypto assets and networks.
Use /api/config for current service readiness. An invoice or browser demo is not proof of a financial transaction. Financial routes return 503 GATEWAY_NOT_CONNECTED when operations are unavailable.
Only published language editions are included in canonical links, hreflang and the sitemap. A configured locale is not a published translation.