# СберБизнес

Pull SberBusiness balances and operations together in chat

Банковский API — счета, выписки, платежи, контрагенты, корпоративные карты, зарплата

## How the agent works with СберБизнес

The agent calls the SberBusiness API and starts from the list of company accounts — the same request that verifies the connection. From there it works with statements, payments, the counterparty directory, corporate cards and payroll services: balances as of a date, large movements for the day, incoming and outgoing payments by counterparty for a period and a reconciliation of payroll registers against 1C:ZUP statements before the register goes to the bank.

The statement is the heaviest section of the Sber API, and its rate limit is tighter than that of the other methods. The agent accounts for that: it requests the period in portions and holds the statement rate separately from other calls, so a long report does not hit a refusal halfway through. The connection is unusual too — mutual TLS: the certificate is presented on every request, and the agent tells a dropped session apart from a rights refusal instead of lumping both into one error.

The agent prepares payments but does not send them. It assembles the document, checks the details, the amount and the counterparty against the directory and shows any discrepancies — while signing stays in SberBusiness and follows your own signature rules. Without confirmation on the bank's side no payment leaves, and the same holds for payroll registers: the agent brings them to a reconciled, ready state, and the decision to send is yours.

Access is granted over OAuth: an application whose scope includes openid exchanges the authorization code for a token and refreshes it afterwards, so there is no need to reconnect every time. That same scope defines which sections the agent can reach at all: accounts, statements, payments and payroll services are switched on separately. If there is no data for the period or the scope does not cover a section, the agent says so directly instead of showing an empty table.

## Integration scenarios

### SberBusiness account summary
The agent collects balances and operations across all company accounts and sends a morning summary with the large movements.

### Statement broken down by counterparty
The agent splits incoming and outgoing payments by counterparty for the period and shows who pays on time and who is running up debt.

### Payroll project reconciliation
The agent reconciles payroll registers against the statements from 1C:ZUP and finds discrepancies before anything goes to the bank.

### A payment ready for signing
The agent assembles the payment order from the invoice and checks the counterparty details against the directory — the signing itself stays in SberBusiness.

### Corporate card spending
The agent breaks corporate card operations for the month down by employee and shows where the spending has stepped out of its usual range.

### Statement against the books
The agent matches incoming payments from the statement with invoice payments in 1C and shows, counterparty by counterparty, which payments have no document behind them.

## How to connect

**Before you connect**

- A company settlement account in SberBusiness.
- The sole executive officer available to sign the application.

### Enable Sber API in SberBusiness
«Все продукты и услуги» → «Сбербанк API» → “Sber API” → «Подключить». Pick the rights sets and sign the application by SMS code or token.

### Copy the Client ID and Client Secret
Open «Параметры промышленного сервиса»: Client ID, Client Secret, scopes and Redirect URI live there. Rotate the secret every 40 days.

### Issue the certificate and private key
«Сертификаты шифрования» → «Сгенерировать сертификат»: a password of 7+ characters, output is a .p12 with the key and the certificate.

### Get the authorization code from the URL
Open https://sbi.sberbank.ru:9443/ic/sso/api/v2/oauth/authorize with your client_id, the registered redirect_uri and a scope including openid.

## FAQ

### How is SberBusiness connected?
Through SberBusinessAPI OAuth access: you provide the Client ID and Client Secret of your application from the SberBusiness API workspace. Access is revoked there as well.

### What is available to the agent?
Accounts, statements, payments, the counterparty directory, corporate cards and payroll services — within the scope granted to the application.

### Can the agent make a payment without me?
No. The agent prepares the documents, but signing happens in SberBusiness under your signature rules — without confirmation no payment leaves.

[Open СберБизнес](https://sbi.sberbank.ru)