Payout to a Russian bank account
With the API, you can carry out payouts to Russian bank accounts belonging to individuals and self-employed people. All the parameters are passed in the clear.
Mandatory payout parameters
For Russian organizations
Name | Type | Description |
---|---|---|
payment_method | PaymentMethod | Payment data |
type | string | value: bank_account |
bank_account | BankAccountPaymentMethod | Bank account |
system_type | string | Bank transfer system Always: ru |
ru | BankAccountRU | Bank account object |
bik | string | Recipient's bank's BIC |
account | string | Recipient's bank account |
full_name | string | Recipient's full name |
description | string | Payout purpose How to set this out |
amount_details | AmountDetails | The amount |
amount | int | The amount in ruble decimal format. The value must be greater than zero. If you are sending 100 rubles, you will need to specify 10000 |
currency | string | The ISO 4217 currency code. Case insensitive. Always: rub |
For non-residents
Name | Type | Description |
---|---|---|
payment_method | PaymentMethod | Payment data |
type | string | value: bank_account |
bank_account | BankAccountPaymentMethod | Bank account |
system_type | string | Bank transfer system Always: ru |
ru | BankAccountRU | Bank account object |
bik | string | Recipient's bank's BIC |
account | string | Recipient's bank account |
full_name | string | Recipient's full name |
description | string | The purpose of the payout, accompanied by the monetary transaction code (as agreed with a Bank 131 manager). How to set this out |
amount_details | AmountDetails | The amount |
amount | int | The amount in ruble decimal format. The value must be greater than zero. If you are sending 100 rubles, you will need to specify 10000 |
currency | string | The ISO 4217 currency code. Case insensitive. Always: rub |
participant_details | ParticipantDetails | Information on payout participants |
sender | Participant | Sender's details |
full_name | string | Name |
company_name | string | Company name |
address_line | string | Address |
country_iso3 | string | The country (ISO-3166-1 alpha-3) |
city | string | The city |
recipient | Participant | Recipient's details |
full_name | string | 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 need to add another monetary transaction code (which also needs to be agreed beforehand with a Bank 131 manager).
An example of a payout purpose
Wire for agreement № 5015553456 Ivanov Ivan Ivanovich VAT exempt
How to perform the payout
The payout is performed as in the general scenario. Open parameters are passed. You do not need to use the widget.
An example of a request for a payout to a bank account
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"
}'
Faster payouts to accounts in Russian banks (via BESP)
You can make faster payouts to accounts in Russian banks — through the BESP system. 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 connect
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
— 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": "Иванов Иван Иванович",
"description": "Перевод средств по договору № 5015553111 Иванов Иван Иванович НДС не облагается",
"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
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.