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

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	The 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>`.
inn	string	INN. Mandatory for the payouts to individual proprietors.
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
inn	string	The recipient's INN, 10 digits for legal entities, 12 digits for individuals. Mandatory for the payouts to the legal entities' accounts.
kpp	string	The recipient's Tax Registration Reason Code (KPP) Mandatory for the payouts to the legal entities' accounts.
account	string	Recipient's bank account
full_name	string	The 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.
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. Mandatory if the sender is an individual.
company_name	string	Company name. Mandatory if the sender is a legal entity.
address_line	string	Address. Important: a city and country should be specified in the following fields, do not duplicate them here.
country_iso3	string	The country (ISO-3166-1 alpha-3)
city	string	The city
recipient	Participant	Recipient's details
full_name	string	The 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 -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

Documentation

The Self-employed

Payout Methods

Payout Scenarios

Payments via Telegram

Split Payments

Payment Scenarios

Methods