---
name: bank131-payouts-from-a-settlement-account
description: Use when the user asks about payouts from a Bank 131 settlement account to a bank card (by card number) or a bank account (by account number): methods `session/create/rko`, `session/start/payout/rko`, `session/multi/create/rko`, `session/multi/start/payment/rko`, recipient details (`bank_account` with `bik`, `account`, `full_name`, `inn`, `kpp`, `system_type`; `card` with `bank_card.number`), `participant_details` and `amount_details`, specifying the payout purpose in `description` and `payment_details.internal_transfer`, urgent payouts via BESP, and PCI DSS requirements.
---

### Payout methods

Bank 131 lets you send payouts from a settlement account to:

- a bank account in a Russian bank (by account number);
- a bank card (by card number).

Payout to a bank account:

1. Create a session with `session/create/rko`.
2. Send the payout with `session/start/payout/rko`.
3. Wait for the `ready_to_confirm` webhook and save the `confirm_information` object from its body.
4. Confirm the payout with `session/confirm` or cancel it with `session/cancel`, passing `confirm_information`.
5. Wait for the `payment_finished` webhook. The result is in the `status` field of the `payments`/`payout_list` array: `succeeded` means the payout succeeded, `failed` means it failed.

Payout to a card uses the same flow with the `session/multi/create/rko` and `session/multi/start/payment/rko` methods.

### Payout to a bank account

Recipient details (`payment_method` with `type: bank_account`):

- `system_type` — always `ru`;
- `bik` — the recipient bank's BIC;
- `account` — the recipient's bank account;
- `full_name` — the recipient's full name (individual), `IP <name>` for sole proprietors, or the legal entity name;
- `inn` — required for payouts to legal entities or sole proprietors;
- `kpp` — required for payouts to legal entities;
- `description` — the payout purpose.

`participant_details.sender.account` specifies the settlement account the payout is made from.

A regular payout is credited within 2 hours to 3 business days depending on the recipient bank. An urgent payout via the BESP system is credited within 1 hour.

### Payout to a card

Card payouts require compliance with the PCI DSS standard.

Recipient details (`payment_method` with `type: card`):

- `card.type` — `bank_card`;
- `card.bank_card.number` — the card number.

Operation details (`payment_details`):

- `type` — `internal_transfer`;
- `internal_transfer.type` — `transfer_from_bank_account`;
- `internal_transfer.transfer_from_bank_account.description` — the payout purpose.

`participant_details` contains `recipient.full_name` (as in the passport) and `sender.full_name` (individual, sole proprietor, or legal entity). `customer.reference` is the recipient's identifier in your system.

### Payout purpose (description)

The purpose must include:

- the type of operation;
- the basis of the payout;
- the name of the works, services, or goods;
- whether VAT is charged or not.

The characters `?` and `!` are forbidden. The maximum length is 210 characters.

Example: `Transfer of funds under contract 5015553456 Ivanov Ivan Ivanovich VAT not charged`.

### Amount

The amount is passed in `amount_details`:

- `amount` — the amount in kopecks, must be greater than zero. To transfer 100 rubles, use `10000`;
- `currency` — `rub`.