---
name: bank131-payouts-from-an-escrow-account
description: Use when the user asks about payouts from a Bank 131 escrow account to a bank card (by card number), a bank account (by account number), or via SBP (FPS) by phone number: methods `session/create/nominal`, `session/start/payout/nominal`, `session/multi/create/nominal`, `session/multi/start/payment/nominal`, `session/init/payout/nominal`, recipient details (`bank_account` with `bik`, `account`, `full_name`, `system_type`; `card` with `bank_card.number`; `faster_payment_system` with `phone`, `bank_id`), mandatory beneficiary identification in `participant_details` with `beneficiary_id`, `amount_details`, the payout purpose in `description`, urgent payouts via BESP, checking the balance with `report/account_balance`, and requesting statements with `report/account_statement`.
---

### How it works

Money from your customers is credited to your escrow account. You send payouts from it to beneficiaries — sole proprietors, legal entities, and individuals.

Before any payout, identify the beneficiary.

To track funds being credited to the escrow account, connect the `nominal_topup` webhook. It contains the credited amount and the new account balance (amounts are in minor units: 100 rubles = 10000).

### Payout methods

Bank 131 lets you send payouts from an escrow account to:

- a bank account in a Russian bank (by account number);
- a bank card (by card number);
- an individual's account via SBP by phone number.

Payout to a bank account:

1. Create a session with `session/create/nominal`.
2. Send the payout with `session/start/payout/nominal`.
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/nominal` and `session/multi/start/payment/nominal` methods.

You can create a session and send the payout at the same time — with `session/init/payout/nominal` (bank account, SBP by phone) or `session/multi/init/payment/nominal` (card). This way is not recommended.

### 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) 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.

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_nominal_account`;
- `internal_transfer.transfer_from_nominal_account.description` — the payout purpose.

### Payout via SBP by phone

You can pay individuals by SBP from a settlement or an escrow account. An escrow account is opened when you already have a settlement account. The Bank will register you in SBP. The recipient must also be registered in SBP.

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

- `system_type` — always `faster_payment_system`;
- `faster_payment_system.phone` — the recipient's phone number;
- `faster_payment_system.bank_id` — the identifier of the recipient's bank in SBP;
- `faster_payment_system.description` — the payout purpose.

Before the first payout to new details, check that the recipient is registered in SBP with `fps/customer_verification`. For subsequent payouts to the same details this check is not required.

To find out which banks support SBP, use the `fps/banks` method.

Refunds of SBP payouts are impossible.

### 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;
- for non-residents, the currency operation code agreed with Bank 131.

The characters `?` and `!` are forbidden. The maximum length is 210 characters for bank account payouts and 140 characters for SBP payouts.

### participant_details

`participant_details` is mandatory for payouts from an escrow account:

- `sender.account` — the number of the escrow account the payout is made from;
- `recipient.beneficiary_id` — the beneficiary's INN (taxpayer ID).

For payouts to a card, `participant_details` contains `sender.full_name` (with `beneficiary_id`) and `recipient.full_name`. `customer.reference` is the recipient's identifier in your system.

### 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`.

### Balance and statements

Check the balance of the escrow account with `report/account_balance`, passing `account_number`. The response contains the account number and the balance (in minor units).

Request a statement for a day in rubles with `report/account_statement`, passing:

- `account_number` — the account number (20 digits);
- `date_from` — the start date, for example `2023-06-01`;
- `date_to` — the end date, must match `date_from`.

The response contains `total_turnover` (with `debet` and `credit`), `total_balance` (with `opening` and `closing`), and a list of `transactions`.