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›Payout Methods

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

Payout to a Russian bank account

With the API, you can carry out payouts to Russian bank accounts belonging to individuals, legal entities, and self-employed people. All the parameters are passed in the clear.

Payouts to the accounts of legal entities are available only for non-residents of the Russian Federation.

Convenient accounts

You can send payouts only to the accounts that begin with these numbers:

  • 40817810
  • 42301810
  • 42302810
  • 42303810
  • 42304810
  • 42305810
  • 42306810
  • 42307810
  • 40802810
  • 40702810 (for the accounts of legal entities).

If the account begins with the other number, the payout will not pass.

Mandatory payout parameters

For Russian organizations

NameTypeDescription
payment_methodPaymentMethodPayment data
typestringvalue: bank_account
bank_accountBankAccountPaymentMethodBank account
system_typestringBank transfer system Always: ru
ruBankAccountRUBank account object
bikstringRecipient's bank's BIC
accountstringRecipient's bank account
full_namestringThe individual's full name. In case of a payout to an account of a sole proprietor should be passed in the following format: ИП <full name>.
innstringINN. Mandatory for the payouts to individual proprietors.
descriptionstringPayout purpose How to set this out
amount_detailsAmountDetailsThe amount
amountintThe amount in ruble decimal format. The value must be greater than zero. If you are sending 100 rubles, you will need to specify 10000
currencystringThe ISO 4217 currency code. Case insensitive. Always: rub

For non-residents

NameTypeDescription
payment_methodPaymentMethodPayment data
typestringvalue: bank_account
bank_accountBankAccountPaymentMethodBank account
system_typestringBank transfer system Always: ru
ruBankAccountRUBank account object
bikstringRecipient's bank's BIC
innstringThe recipient's INN, 10 digits for legal entities, 12 digits for individuals. Mandatory for the payouts to the legal entities' accounts.
kppstringThe recipient's Tax Registration Reason Code (KPP) Mandatory for the payouts to the legal entities' accounts.
accountstringRecipient's bank account
full_namestringThe individual's full name. In case of a payout to an account of a sole proprietor should be passed in the following format: ИП <full name>. In case of a payout to a legal entity, enter the entity's name, if it is provided in the agreement. Important: if the name is passed incorrectly the recipient bank may cancel the payout and the payout will be refunded.
descriptionstringThe purpose of the payout, accompanied by the monetary transaction code (as agreed with a Bank 131 manager). How to set this out
amount_detailsAmountDetailsThe amount
amountintThe amount in ruble decimal format. The value must be greater than zero. If you are sending 100 rubles, you will need to specify 10000
currencystringThe ISO 4217 currency code. Case insensitive. Always: rub
participant_detailsParticipantDetailsInformation on payout participants
senderParticipantSender's details
full_namestringName. Mandatory if the sender is an individual.
company_namestringCompany name. Mandatory if the sender is a legal entity.
address_linestringAddress. Important: a city and country should be specified in the following fields, do not duplicate them here.
country_iso3stringThe country (ISO-3166-1 alpha-3)
citystringThe city
recipientParticipantRecipient's details
full_namestringThe recipient's name.

How to set out the payout purpose

In the payout purpose (the BankAccountRU.description field), according to Russian law, the following must be specified:

  • the type of operation (e.g. service fee);
  • the basis, or reason, for the payment (e.g. the agreement number);
  • the name of the products and/or services provided;
  • whether or not VAT is applicable.

If your organization is not based in Russia, you will also need to add a currency transaction code in the following format: {VO<currency transaction code>} without any indents or spaces. The code needs to be agreed beforehand with a Bank 131 manager.

The payout payout purpose should not contain the following characters: ?, !. The maximal length is 210 characters.

An example of a payout purpose

Wire for agreement № 5015553111 Ivanov Ivan Ivanovich VAT exempt

An example of a payout purpose for non-residents of the Russian Federation

{VO99090} Wire for agreement № 5015553456 Ivanov Ivan Ivanovich VAT exempt

Recipient's name

The payout is performed as in the general scenario. Open parameters are passed. You do not need to use the widget.

See the payout scenario

An example of a request for a payout to a bank account

cURL
cURL
curl -X POST \
https://demo.bank131.ru/api/v1/session/init/payout \
-H 'content-type: application/json' \
-H 'X-PARTNER-SIGN: sign' \
-H 'X-PARTNER-PROJECT: your_project_name' \
-d'{
"payment_method": {
"type": "bank_account",
"bank_account": {
"system_type": "ru",
"ru": {
"bik": "044525971",
"account": "40817810100000270411",
"full_name": "Ivanov Ivan Ivanovich",
"description": "Wire for agreement № 5015553111 Ivanov Ivan Ivanovich VAT exempt"
}
}
},
"amount_details": {
"amount": 10000,
"currency": "rub"
},
"metadata": "good"
}'

An example of a request for a payout to a bank account for non-residents of the Russian Federation

curl -X POST \
https://demo.bank131.ru/api/v1/session/init/payout \
-H 'content-type: application/json' \
-H 'X-PARTNER-SIGN: sign' \
-H 'X-PARTNER-PROJECT: your_project_name' \
-d'{
"payment_method": {
"type": "bank_account",
"bank_account": {
"system_type": "ru",
"ru": {
"bik": "044525971",
"account": "40817810100000270411",
"full_name": "Ivanov Ivan Ivanovich",
"description": "{VO99090} Wire for agreement № 5015553456 Ivanov Ivan Ivanovich VAT exempt"
}
}
},
"amount_details": {
"amount": 10000,
"currency": "rub"
},
"metadata": "good"
"participant_details": {
"sender": {
"full_name": "Ivanov Ivan Ivanovich",
"address_line": "123 Main Street"
"country_iso3": "USA"
"city": "New York"
}
"recipient": {
"full_name": "Иванов Иван Иванович"
}
}
}'

Faster payouts to accounts in Russian banks (via BESP)

You can make faster payouts to accounts in Russian banks — through the [BESP system]((https://www.banki.ru/wikibank/sistema_besp/). A faster payout takes place within an hour, a regular one — from 2 hours to 1 banking day (the term of crediting depends on the recipient's bank).

The tariffs for regular and faster payouts differ and are fixed in the agreement with the Bank 131.

How to enable

Sign an agreement with Bank 131 for making payouts, indicate that you want to make payouts through BESP. If the agreement already exists, but there are no payouts through BESP in it, contact our manager.

How to make a payout via BESP

In the payout request in the BankAccountRU, in the is_fast field, pass the value true, and your payout will be sent through BESP.

If you do not specify this parameter, a regular payout will be sent.

An example of an object with payout through BESP

    "bank_account": {
        "system_type": "ru",
        "ru": {
            "bik": "044525971",
            "account": "40817810100000270411",
            "full_name": "Ivanov Ivan Ivanovich",
            "description": "Wire for agreement № 5015553111 Ivanov Ivan Ivanovich VAT exempt",
            "is_fast": "true"
        }
    }

What could go wrong

  • If you send a payout in a way that is not in your agreement with Bank 131, the payout will not go through. The response be received as a routing_internal_error.
  • If you send a faster payout to a bank that is not connected to the BESP system, the payout will be sent as regular, but the Bank will charge a commission for the faster payout.

Payout refund

The payout you sent to a Russian bank account may be refunded. In this case, you will get a refund within 5 days.

Learn more about payout refunds

← To a Russian bank cardTo a QIWI Wallet →
  • Convenient accounts
  • Mandatory payout parameters
    • For Russian organizations
    • For non-residents
    • How to set out the payout purpose
  • Recipient's name
  • Faster payouts to accounts in Russian banks (via BESP)
    • How to enable
    • How to make a payout via BESP
  • Payout refund
Documentation
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