const YooKassa = require('yookassa');

const yooKassa = new YooKassa({
    shopId: '<Идентификатор магазина>',
    secretKey: '<Секретный ключ>'
});

const payment = await yooKassa.createPayment({
    amount: {
      value: "2.00",
      currency: "RUB"
    },
    payment_method_data: {
        type: "bank_card"
    },
    confirmation: {
      type: "redirect",
      return_url: "https://www.merchant-website.com/return_url"
    },
    description: "Заказ №72"
});