Utilities Without the Pain: Cards + SBP in PDP Mobile
In one of the releases in PDP Mobile, utility payments were made without survival quests: Visa, MasterCard, and MIR cards were added via redirect, along with SBP using QR and deep links.
In one of the releases, we at PDP Mobile solved a long-running everyday problem: utility payments without a survival quest. We added two scenarios at once: bank cards (Visa, MasterCard, МИР via redirect) and SBP — with QR and deep link straight into the banking app.
Why this approach? Simple: younger users are more likely to tap SBP, while older users stick to cards out of habit. In 2025, this is already a must-have, not something we’ll “do later.”
Under the hood, it was also straightforward, but careful: each method has its own TTL, and a background job invalidates expired links so we don’t end up with phantom payments and weird cases like “but I opened it 20 minutes ago.”
We also added quick amounts: 1000, 5000, 10000 ₽. Small thing, but the UX feels great: fewer taps — faster payment.
When a product is used by both zoomers and parents, one payment method won’t cut it. We took that into account 😌