diff --git a/index.js b/index.js
index b006f51..7b09756 100644
--- a/index.js
+++ b/index.js
@@ -46,6 +46,16 @@ app.get('/api/billing/plans', async (req, res) => {
   res.json({ plans, costs });
 });
 
+// ЮKassa webhook — публичный, без internal secret
+app.post('/api/billing/webhook',
+  express.json({ type: '*/*' }),
+  require('./src/routes/billing').handle || ((req, res, next) => {
+    require('./src/services/yukassa').handleWebhook(req.body)
+      .then(r => res.json({ ok: true, ...r }))
+      .catch(err => res.status(500).json({ error: err.message }));
+  })
+);
+
 // Simple internal auth middleware
 app.use((req, res, next) => {
   const secret = req.headers['x-internal-secret'];
diff --git a/package-lock.json b/package-lock.json
index fcffe59..8a1cdde 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -9,6 +9,7 @@
       "version": "1.0.0",
       "license": "ISC",
       "dependencies": {
+        "@a2seven/yoo-checkout": "^1.1.4",
         "axios": "^1.16.1",
         "bull": "^4.16.5",
         "cheerio": "^1.2.0",
@@ -21,6 +22,29 @@
         "sharp": "^0.34.5"
       }
     },
+    "node_modules/@a2seven/yoo-checkout": {
+      "version": "1.1.4",
+      "resolved": "https://registry.npmjs.org/@a2seven/yoo-checkout/-/yoo-checkout-1.1.4.tgz",
+      "integrity": "sha512-Xn8E6fJKVUpSqTTEgigoi0Woyvmc1/UuHukwpQUTEtxD2l4skTEeqPlhd0J4xum6lQ/0eGzeJP+/MgpkE9Ak9g==",
+      "license": "MIT",
+      "dependencies": {
+        "@types/axios": "^0.14.0",
+        "axios": "^0.21.1",
+        "uuid": "^8.3.2"
+      },
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/@a2seven/yoo-checkout/node_modules/axios": {
+      "version": "0.21.4",
+      "resolved": "https://registry.npmjs.org/axios/-/axios-0.21.4.tgz",
+      "integrity": "sha512-ut5vewkiu8jjGBdqpM44XxjuCjq9LAKeHVmoVfHVzy8eHgxxq8SbAVQNovDA8mVi05kP0Ea/n/UzcSHcTJQfNg==",
+      "license": "MIT",
+      "dependencies": {
+        "follow-redirects": "^1.14.0"
+      }
+    },
     "node_modules/@emnapi/runtime": {
       "version": "1.10.0",
       "resolved": "https://registry.npmjs.org/@emnapi/runtime/-/runtime-1.10.0.tgz",
@@ -580,6 +604,16 @@
         "win32"
       ]
     },
+    "node_modules/@types/axios": {
+      "version": "0.14.4",
+      "resolved": "https://registry.npmjs.org/@types/axios/-/axios-0.14.4.tgz",
+      "integrity": "sha512-9JgOaunvQdsQ/qW2OPmE5+hCeUB52lQSolecrFrthct55QekhmXEwT203s20RL+UHtCQc15y3VXpby9E7Kkh/g==",
+      "deprecated": "This is a stub types definition. axios provides its own type definitions, so you do not need this installed.",
+      "license": "MIT",
+      "dependencies": {
+        "axios": "*"
+      }
+    },
     "node_modules/accepts": {
       "version": "2.0.0",
       "resolved": "https://registry.npmjs.org/accepts/-/accepts-2.0.0.tgz",
diff --git a/package.json b/package.json
index 67e1a0f..562046c 100644
--- a/package.json
+++ b/package.json
@@ -14,6 +14,7 @@
   "author": "",
   "license": "ISC",
   "dependencies": {
+    "@a2seven/yoo-checkout": "^1.1.4",
     "axios": "^1.16.1",
     "bull": "^4.16.5",
     "cheerio": "^1.2.0",
diff --git a/src/routes/billing.js b/src/routes/billing.js
index 87acd78..27ed70a 100644
--- a/src/routes/billing.js
+++ b/src/routes/billing.js
@@ -1,6 +1,7 @@
 const express = require('express');
 const router  = express.Router();
-const billing = require('../services/billing');
+const billing  = require('../services/billing');
+const yukassa  = require('../services/yukassa');
 const { query } = require('../config/db');
 
 function uid(req) { return req.headers['x-user-id'] ? parseInt(req.headers['x-user-id']) : null; }
@@ -80,3 +81,30 @@ router.get('/admin/users', async (req, res) => {
 });
 
 module.exports = router;
+
+// POST /api/billing/checkout — создать платёж ЮKassa
+router.post('/checkout', async (req, res) => {
+  const userId = uid(req);
+  if (!userId) return res.status(401).json({ error: 'x-user-id required' });
+  const { plan_code } = req.body;
+  if (!plan_code) return res.status(400).json({ error: 'plan_code required' });
+  try {
+    const { rows: [user] } = await query('SELECT email FROM users WHERE id=$1', [userId]);
+    const result = await yukassa.createPayment({ userId, planCode: plan_code, userEmail: user?.email });
+    res.json(result);
+  } catch (err) {
+    console.error('[billing] checkout:', err.message);
+    res.status(500).json({ error: err.message });
+  }
+});
+
+// POST /api/billing/webhook — вебхук ЮKassa (без auth, проверка по IP/подписи)
+router.post('/webhook', express.json({ type: '*/*' }), async (req, res) => {
+  try {
+    const result = await yukassa.handleWebhook(req.body);
+    res.json({ ok: true, ...result });
+  } catch (err) {
+    console.error('[billing] webhook error:', err.message);
+    res.status(500).json({ error: err.message });
+  }
+});
diff --git a/src/services/yukassa.js b/src/services/yukassa.js
new file mode 100644
index 0000000..714a5e3
--- /dev/null
+++ b/src/services/yukassa.js
@@ -0,0 +1,144 @@
+/**
+ * yukassa.js — интеграция с ЮKassa для оплаты подписок.
+ *
+ * Флоу:
+ *  1. POST /api/billing/checkout — создаём платёж, редиректим на ЮKassa
+ *  2. ЮKassa вызывает webhook POST /api/billing/webhook
+ *  3. При succeeded → активируем подписку + начисляем кредиты
+ *
+ * Настройка в app_settings:
+ *   YUKASSA_SHOP_ID  — ID магазина
+ *   YUKASSA_SECRET   — секретный ключ
+ *   YUKASSA_RETURN_URL — URL после оплаты (напр. https://app.zeropost.ru/billing?paid=1)
+ */
+const { YooCheckout } = require('@a2seven/yoo-checkout');
+const { query }       = require('../config/db');
+const billing         = require('./billing');
+
+function getClient() {
+  const shopId = process.env.YUKASSA_SHOP_ID;
+  const secret = process.env.YUKASSA_SECRET;
+  if (!shopId || !secret) throw new Error('YUKASSA_SHOP_ID и YUKASSA_SECRET не настроены');
+  return new YooCheckout({ shopId, secretKey: secret });
+}
+
+/**
+ * Создать платёж ЮKassa для подписки на план.
+ * Возвращает { paymentId, confirmationUrl }
+ */
+async function createPayment({ userId, planCode, userEmail }) {
+  const { rows: [plan] } = await query('SELECT * FROM plans WHERE code=$1 AND is_active=true', [planCode]);
+  if (!plan) throw new Error(`План "${planCode}" не найден`);
+  if (plan.price_rub === 0) throw new Error('Free план не требует оплаты');
+
+  const returnUrl = process.env.YUKASSA_RETURN_URL || 'https://app.zeropost.ru/billing?paid=1';
+  const client = getClient();
+
+  const idempotenceKey = `${userId}-${planCode}-${Date.now()}`;
+  const payment = await client.createPayment({
+    amount: { value: String(plan.price_rub) + '.00', currency: 'RUB' },
+    payment_method_data: { type: 'bank_card' },
+    confirmation: { type: 'redirect', return_url: returnUrl },
+    capture: true,
+    description: `${plan.name} — ZeroPost`,
+    metadata: { user_id: String(userId), plan_code: planCode },
+    receipt: {
+      customer: { email: userEmail },
+      items: [{
+        description: `Тариф ${plan.name} (1 месяц)`,
+        quantity: '1.00',
+        amount: { value: String(plan.price_rub) + '.00', currency: 'RUB' },
+        vat_code: 1,
+        payment_mode: 'full_payment',
+        payment_subject: 'service',
+      }],
+    },
+  }, idempotenceKey);
+
+  // Сохраняем pending платёж
+  await query(`
+    INSERT INTO payment_orders (user_id, plan_code, yukassa_payment_id, amount_rub, status)
+    VALUES ($1, $2, $3, $4, 'pending')
+    ON CONFLICT (yukassa_payment_id) DO NOTHING
+  `, [userId, planCode, payment.id, plan.price_rub]);
+
+  return {
+    paymentId: payment.id,
+    confirmationUrl: payment.confirmation?.confirmation_url,
+  };
+}
+
+/**
+ * Обработать webhook от ЮKassa.
+ * event.type: 'payment.succeeded' | 'payment.canceled' | 'refund.succeeded'
+ */
+async function handleWebhook(event) {
+  if (event.type !== 'payment.succeeded') {
+    console.log('[YuKassa] webhook:', event.type, '— пропускаем');
+    return { handled: false };
+  }
+
+  const payment = event.object;
+  const meta    = payment.metadata || {};
+  const userId  = parseInt(meta.user_id);
+  const planCode = meta.plan_code;
+
+  if (!userId || !planCode) {
+    console.warn('[YuKassa] webhook succeeded: нет user_id/plan_code в metadata');
+    return { handled: false };
+  }
+
+  // Проверяем дубль
+  const { rows: [order] } = await query(
+    'SELECT * FROM payment_orders WHERE yukassa_payment_id=$1', [payment.id]
+  );
+  if (order?.status === 'succeeded') {
+    console.log('[YuKassa] дубль webhook для', payment.id);
+    return { handled: true, duplicate: true };
+  }
+
+  // Обновляем статус платежа
+  await query(
+    'UPDATE payment_orders SET status=$1, updated_at=NOW() WHERE yukassa_payment_id=$2',
+    ['succeeded', payment.id]
+  );
+
+  // Активируем подписку
+  const { rows: [plan] } = await query('SELECT * FROM plans WHERE code=$1', [planCode]);
+  if (!plan) { console.error('[YuKassa] план не найден:', planCode); return { handled: false }; }
+
+  // Деактивируем старую подписку
+  await query(
+    "UPDATE user_subscriptions SET status='cancelled' WHERE user_id=$1 AND status='active'",
+    [userId]
+  );
+
+  // Создаём новую
+  const expiresAt = new Date(Date.now() + 32 * 24 * 60 * 60 * 1000); // +32 дня
+  await query(`
+    INSERT INTO user_subscriptions (user_id, plan_id, status, expires_at, yukassa_sub_id)
+    VALUES ($1, $2, 'active', $3, $4)
+  `, [userId, plan.id, expiresAt, payment.id]);
+
+  // Начисляем кредиты по новому тарифу
+  const creditsToAdd = plan.credits_month === -1 ? 0 : plan.credits_month;
+  if (creditsToAdd > 0) {
+    // Сбрасываем до кредитов нового плана
+    await query(`
+      UPDATE user_balance
+      SET credits = $2, credits_monthly_reset = $2,
+          reset_at = $3, updated_at = NOW()
+      WHERE user_id = $1
+    `, [userId, creditsToAdd, expiresAt]);
+
+    await query(`
+      INSERT INTO user_transactions (user_id, type, amount, balance_after, description)
+      VALUES ($1, 'plan_credit', $2, $2, $3)
+    `, [userId, creditsToAdd, `Активация тарифа ${plan.name}`]);
+  }
+
+  console.log(`[YuKassa] ✓ userId=${userId} план=${planCode} кредиты=${creditsToAdd}`);
+  return { handled: true, userId, planCode };
+}
+
+module.exports = { createPayment, handleWebhook };