Bank 131's API is primarily intended for web platforms where people interact with each other – selling things, offering services, teaching and studying online – and want to pay and be paid for doing so, easily and securely.
Some examples of platforms like this
- Online language courses
- Online stores
- Accommodation renting services
- Donation solutions
- Food delivery
- Taxis and transportation
- Delivery and courier services
The Bank works with Russian and international legal entities and sole proprietors. To use the API, you will need to sign an agreement.
What you can do with the API
Send mass payouts to individuals
Transfer funds to individuals' Russian and foreign bank cards, to Russian bank accounts, and to QIWI Wallets. The payer can be a non-resident of the Russian Federation.
- How to perform a payout to a bank card
- How to perform a payout with a single request
- How to perform a payout to a bank card with PCI DSS
- Payout options
Send mass payouts to self-employed people
You can send money to self-employed people (for example, teachers giving lessons via an online platform) and check beforehand that the person is in fact registered with the Federal Tax Agency and pays professional income tax. If they are not, you can show them the specialized widget inviting them to register – all as part of the payout process.
The self-employed are the individuals that are employed by themselves and pay taxes on their professional income in the Russian Federation under the special tax regime.
Everything has been approved with the authorities: Bank 131 is an official partner of the Federal Tax Agency.
- How to perform a payout to self-employed people and check their status and fiscalization with the Federal Tax Agency
- How to link the self-employed person to Bank 131
This will allow you to receive payments from individuals on your website (or within your app). Currently, this can only be done via bank card.
- How to accept a payment using a bank card via the payment form
- How to enable later capture
- How to accept recurring payments
Route split payments
If you need to separate the amount into several parts, you can do this as part of the payment process.
This is a great feature for platforms where some people pay and other people get paid, and the platform takes a cut. Freelancers and clients, sellers and buyers, streamers and viewers, teachers and students – or whoever you want.
- Marketplace for multiple stores. The store gets paid, and the marketplace takes a cut.
- Online store and delivery service. Customers pay for goods and delivery services in bulk; the payment is split and transferred to different companies.
You can split the payment and send it to different legal entities, sole proprietors, and self-employed people. The legal entities can be non-residents of the Russian Federation.