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.

See the payout scenario

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

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"
}'

 

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.

Learn more about payout refunds