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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

    Payout Methods

    • To a Russian bank card
    • To a foreign bank card
    • To a Russian bank account
    • To a QIWI Wallet
    • To a YooMoney (Yandex.Money)
    • To the Russian Federal Tax Agency

    Payout Scenarios

    • Payout to a card via widget
    • 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
  • 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
  • Verification request
  • Verification status
  • HTTP codes

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 and self-employed people. All the parameters are passed in the clear.

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_namestringRecipient's full name
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
accountstringRecipient's bank account
full_namestringRecipient's full name
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
company_namestringCompany name
address_linestringAddress
country_iso3stringThe country (ISO-3166-1 alpha-3)
citystringThe city
recipientParticipantRecipient's details
full_namestringRecipient'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

← To a foreign bank cardTo a QIWI Wallet →
  • Mandatory payout parameters
    • For Russian organizations
    • For non-residents
    • How to set out the payout purpose
  • How to perform the payout
  • Faster payouts to accounts in Russian banks (via BESP)
    • How to connect
    • How to make a payout via BESP
  • Payout refund
Documentation
Documentation
PayoutsPaymentsAPI Reference
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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