diff --git a/app/app/Services/Billing/Gateway/YooKassaDriver.php b/app/app/Services/Billing/Gateway/YooKassaDriver.php
new file mode 100644
index 00000000..e72f459f
--- /dev/null
+++ b/app/app/Services/Billing/Gateway/YooKassaDriver.php
@@ -0,0 +1,89 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Services\Billing\Gateway;
+
+use App\Models\PaymentGateway;
+use Illuminate\Support\Facades\Http;
+use RuntimeException;
+
+/**
+ * Драйвер ЮKassa (YooKassa API v3).
+ * Auth: Basic shopId:secretKey. Idempotence-Key — заголовок при создании.
+ * Чек 54-ФЗ передаётся секцией receipt (включается флагом billing_receipt_enabled).
+ */
+final class YooKassaDriver implements PaymentGatewayDriver
+{
+    private const BASE = 'https://api.yookassa.ru/v3';
+
+    public function createPayment(
+        PaymentGateway $gateway,
+        string $amountRub,
+        string $idempotenceKey,
+        string $returnUrl,
+        ?array $receipt,
+    ): CreatePaymentResult {
+        [$shopId, $secret] = $this->creds($gateway);
+
+        $payload = [
+            'amount' => ['value' => $amountRub, 'currency' => 'RUB'],
+            'capture' => true,
+            'confirmation' => ['type' => 'redirect', 'return_url' => $returnUrl],
+            'description' => 'Пополнение баланса Лидерра',
+        ];
+        if ($receipt !== null) {
+            $payload['receipt'] = $receipt;
+        }
+
+        $resp = Http::withBasicAuth($shopId, $secret)
+            ->withHeaders(['Idempotence-Key' => $idempotenceKey])
+            ->acceptJson()
+            ->post(self::BASE.'/payments', $payload);
+
+        if (! $resp->successful()) {
+            throw new RuntimeException('YooKassa createPayment failed: HTTP '.$resp->status());
+        }
+
+        $id = (string) $resp->json('id');
+        $url = (string) $resp->json('confirmation.confirmation_url');
+        if ($id === '' || $url === '') {
+            throw new RuntimeException('YooKassa createPayment: пустой id/confirmation_url');
+        }
+
+        return new CreatePaymentResult($id, $url);
+    }
+
+    public function verifyPayment(PaymentGateway $gateway, string $gatewayPaymentId): WebhookVerifyResult
+    {
+        [$shopId, $secret] = $this->creds($gateway);
+
+        $resp = Http::withBasicAuth($shopId, $secret)
+            ->acceptJson()
+            ->get(self::BASE.'/payments/'.$gatewayPaymentId);
+
+        if (! $resp->successful()) {
+            throw new RuntimeException('YooKassa verifyPayment failed: HTTP '.$resp->status());
+        }
+
+        return new WebhookVerifyResult(
+            gatewayPaymentId: (string) $resp->json('id'),
+            status: (string) $resp->json('status'),
+            amountRub: (string) $resp->json('amount.value'),
+            paymentMethod: $resp->json('payment_method.type'),
+        );
+    }
+
+    /** @return array{0:string,1:string} [shopId, secretKey] */
+    private function creds(PaymentGateway $gateway): array
+    {
+        $c = $gateway->credentials();
+        $shopId = (string) ($c['shop_id'] ?? '');
+        $secret = (string) ($c['secret_key'] ?? '');
+        if ($shopId === '' || $secret === '') {
+            throw new RuntimeException('YooKassa: shop_id/secret_key не настроены');
+        }
+
+        return [$shopId, $secret];
+    }
+}
diff --git a/app/tests/Unit/Billing/YooKassaDriverTest.php b/app/tests/Unit/Billing/YooKassaDriverTest.php
new file mode 100644
index 00000000..a7e5fbfa
--- /dev/null
+++ b/app/tests/Unit/Billing/YooKassaDriverTest.php
@@ -0,0 +1,60 @@
+<?php
+
+declare(strict_types=1);
+
+use App\Models\PaymentGateway;
+use App\Services\Billing\Gateway\YooKassaDriver;
+use Illuminate\Support\Facades\Crypt;
+use Illuminate\Support\Facades\Http;
+
+uses(Tests\TestCase::class);
+
+function fakeGateway(): PaymentGateway
+{
+    $gw = new PaymentGateway;
+    $gw->code = 'yookassa';
+    $gw->config = Crypt::encrypt(['shop_id' => 'shop_1', 'secret_key' => 'test_secret']);
+
+    return $gw;
+}
+
+it('создаёт платёж и возвращает id + confirmation_url', function () {
+    Http::fake([
+        'api.yookassa.ru/v3/payments' => Http::response([
+            'id' => '2da2b...test',
+            'status' => 'pending',
+            'confirmation' => ['type' => 'redirect', 'confirmation_url' => 'https://yoomoney.ru/checkout/2da2b'],
+        ], 200),
+    ]);
+
+    $res = (new YooKassaDriver)->createPayment(
+        fakeGateway(), '500.00', 'b3f1c2d4-0000-4000-8000-000000000001', 'https://liderra.ru/billing', null
+    );
+
+    expect($res->gatewayPaymentId)->toBe('2da2b...test')
+        ->and($res->confirmationUrl)->toBe('https://yoomoney.ru/checkout/2da2b');
+
+    Http::assertSent(function ($request) {
+        return $request->hasHeader('Idempotence-Key', 'b3f1c2d4-0000-4000-8000-000000000001')
+            && $request['amount']['value'] === '500.00'
+            && $request['amount']['currency'] === 'RUB'
+            && $request['capture'] === true;
+    });
+});
+
+it('сверяет платёж и распознаёт succeeded', function () {
+    Http::fake([
+        'api.yookassa.ru/v3/payments/pay_77' => Http::response([
+            'id' => 'pay_77',
+            'status' => 'succeeded',
+            'amount' => ['value' => '1000.00', 'currency' => 'RUB'],
+            'payment_method' => ['type' => 'bank_card'],
+        ], 200),
+    ]);
+
+    $res = (new YooKassaDriver)->verifyPayment(fakeGateway(), 'pay_77');
+
+    expect($res->isSucceeded())->toBeTrue()
+        ->and($res->amountRub)->toBe('1000.00')
+        ->and($res->paymentMethod)->toBe('bank_card');
+});