Setting Up Tochka Bank

What You Need to Connect

• A bank account with Tochka Bank (tochka.com)
• Sole proprietor, LLC/JSC, or self-employed status (individuals without status cannot accept payments)
• Internet acquiring enabled in the Tochka dashboard

Tochka is available on all tikento plans, including Free.

Step 1. Bank Account with Tochka

If you don't have a Tochka account yet, open one at tochka.com. You will need:

• For sole proprietors: passport, TIN, OGRNIP
• For LLCs: charter, director appointment order, company TIN
• For self-employed: passport, self-employed registration certificate

Account opening usually takes 1 business day.

Step 2. Connecting Internet Acquiring

In the Tochka dashboard:

1. Go to the "Acquiring" → "Internet acquiring" section.
2. Click "Submit request".
3. Specify the website URL: app.tikento.com.
4. Describe the activity: "Ticket sales and event registration".
5. Wait for approval (usually 1-2 business days).

After approval, API keys for integration will become available.

Step 3. Obtaining API Keys

In the Tochka dashboard:

1. Open "Integration" → "API".
2. Copy the merchantId — your merchant identifier.
3. Click "Generate key" and copy the apiKey.

The key is shown only once. If lost, generate a new one — the old one will be invalidated.

Step 4. Configuration in tikento

1. Open your organization's Settings in tikento.
2. Go to the Payments → Tochka section.
3. Enter merchantId and apiKey.
4. Click "Test connection".

On a successful test, a green "Connected" status will appear along with a list of available payment methods.

Available Payment Methods

After connecting Tochka, the following are automatically available:

• Bank cards — Visa, Mastercard, MIR
• SBP — payment via bank app by QR code or link
• Apple Pay / Google Pay — if configured on Tochka's side

Enable or disable each method with toggles in the Payments → Tochka → Methods section.

Step 5. Webhook Configuration

After a successful test, tikento will display a webhook URL like:

https://app.tikento.com/webhooks/tochka/{merchantId}

In the Tochka dashboard:

1. Open "Integration" → "Notifications" (or "Webhooks").
2. Add the webhook URL from tikento.
3. Select events for notifications:
   • payment.success — successful payment
   • payment.fail — failed payment
   • refund.success — successful refund

Without a configured webhook, tikento will not be able to automatically update payment statuses.

Step 6. Testing

Tochka provides a test mode. To verify:

1. Make sure test mode is active in the Tochka settings.
2. Create a test event with a paid ticket in tikento.
3. Open the registration form and select card payment.
4. Use the test card: 4111 1111 1111 1111 (any future date, any 3 digits for CVV).
5. After payment, check that the attendee's status in tikento updated to "Paid".

If the webhook did not arrive, check the URL and event filters in the Tochka settings. More about diagnostics — Webhook Not Received: Troubleshooting.

Step 7. Switching to Production Mode

When testing is complete:

1. In the Tochka dashboard, switch internet acquiring to production mode.
2. Replace the test apiKey with the production one in tikento settings (Settings → Payments → Tochka).
3. Click "Test connection" again.

After this, tikento will start accepting real payments through Tochka.

Commissions

tikento does not mark up the acquiring fee — it passes through from the bank. You pay:

• Tochka's commission for acquiring (the rate depends on your bank tariff, usually ~2-2.5%)
• tikento commission per paid ticket — depends on your plan

More details — Commissions and Calculations.