Renters and property owners can pay electricity, water, and heating bills through online portals such as Gosuslugi, Mosenergo, and private banking apps. These portals accept Russian bank cards, Qiwi, Yoomoney, and even cash via post offices. Foreigners often need to register the utility contract under their passport and provide a Russian address. Automatic recurring payments can be set up via direct debit from a local bank account. Many services now offer English language interfaces for expats.