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›How Payments Work

131 Documentation

  • API features
  • Where to begin

Introduction to API

  • Interaction
  • API libraries
  • Testing
  • Version history

How Payouts Work

  • Features
  • How it all works
  • Main payout scenario
  • Payout refunds
  • The Self-employed

    • Payouts to the self-employed
    • Linking the self-employed
    • Fiscalization

    Payout Methods

    • To a Russian bank card
    • To a Russian bank account
    • To a QIWI Wallet
    • To a YooMoney (Yandex.Money)
    • To the Russian Federal Tax Agency
    • Via FPS by a phone number

    Payout Scenarios

    • Payout to a card via widget
    • Payout from a nominal account to a bank card
    • Single-request payout
    • Payout to a card with PCI DSS
    • Payout to a self-employed person with fiscal receipt

How Payments Work

  • Features
  • Payment process
  • Payments via bank card
  • Payments with later capture
  • Refunds
  • Recurring payments
  • Payments via FPS by QR code
  • Payments via Telegram

    • How to create your Telegram bot
    • How to connect your Telegram bot
    • How to setup your Telegram bot

    Split Payments

    • Features and options
    • Split payments out of the box
    • Split payments using API

    Payment Scenarios

    • Paying via payment form
    • Paying with PCI DSS
    • Single-request payment

Widgets

  • Widget to get card details
  • Payment form widget
  • Widget for linking a self-employed person to the Bank

Passport Verification

  • Features
  • Interaction
  • Methods

    • Verification request
    • Verification status
  • Response and errors

Reports

  • Payouts report
  • Payments report
  • Monthly report

API Reference

  • Objects
  • Methods
  • Webhooks
  • Error codes

Payments with later capture

You can place a hold on the payment: first authorize or hold the amount of payment on the user’s card and then capture it with a separate request.

There is time between the funds being put on hold and the funds being debited so you can send the order to the customer, for example.

How it works

All in all, all payments made with the bank cards are done through the two phases. First — the authorization when the bank verifies if the needed amount is actually available and places a hold for this amount on the bank card, essentially blocking it. Second is the capture when the bank clears the payment and writes off the blocked or authorized amount from the bank card balance. It is possible to write off the full amount put on hold or a portion of it.

There is almost no time gap between the two phases when we are talking about the standard card payment flow, it looks immediate to the user.

However, if you decide to use the capture later payment flow, you can decide on the timing when to capture the blocked funds. In this case the bank will not capture the amount immediately, but will do so on your command.

How to enable later capture

Bank 131 manages the capture later feature. All your payments may have an immediate capture or the later one. If captured immediately, the amount of payment will be cleared automatically right after the authorization.

If you would like to perform payments with later capture, please contact your Bank 131 manager.

Hold period

The money is held for 5 days. If you do not debit it before the end of this period, thereby unblocking it, the money will be debited automatically.

If you need the money to be unblocked and not debited after the hold period has ended, please contact your Bank 131 manager.

Later capture payment scenario

  1. You create a payment session that is separate from the actual payment (session/create) or a single combined session (session/init/payment).

At this point, you can connect the payment form widget.

  1. If you are not using the widget and have created the session separately from the start of the payment, you then need to send the session/start/payment request.

  2. Bank 131 then sends you the ready_to_confirm webhook, which means that the Bank is ready to perform the payout and is waiting for your confirmation.

  3. You confirm (confirm_request) or cancel (cancel_request).

  4. If you are making a payment without a payment form, Bank 131 sends you the action_required webhook. This means that you will need to take additional action to perform the payment. For instance, the user might need to go through 3-D Secure.

  5. Redirect the user to the address for 3-D Secure.

  6. Get webhook ready_to_capture from Bank 131. It means there is a hold on the bank card funds that is placed successfully. It can be captured immediately or later. You can capture the full amount or a portion of it — see AmountDetails.

  7. Capture the full amount that is on hold, a portion of the amount (session/capture), or decline the payment (cancel_request).

  8. Bank 131 sends you the payment_finished webhook containing the result of the payment. If the status is succeeded, this tells you that the payment was successful.

← Payments via bank cardRefunds →
  • How it works
  • How to enable later capture
  • Hold period
  • Later capture payment scenario
Documentation
Documentation
PayoutsPaymentsAPI ReferenceService documents
Step by step
Payout to a card via widgetPayout to a card with PCI DSSPayout to the self-employed Paying via payment form
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