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Payouts from an escrow account to bank accounts

You can make payouts from an escrow account to bank accounts in the following ways:

This scenario describes how to make a payout to a bank account. Before initiating a payout, identify the beneficiary.

How to enable a webhook to get notified on your escrow account top-ups >

Accounts eligible to receive payouts​

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

  • 40817810
  • 42301810
  • 42302810
  • 42303810
  • 42304810
  • 42305810
  • 42306810
  • 42307810
  • 40802810
  • 40701810
  • 40502810
  • 40702810 (for legal entities)

Requirements to the payout purpose​

In the bank_account.ru.description field, specify the following:

  • the transaction type (e.g. service fee)
  • the reason for the payment (e.g. under Agreement No. 123)
  • the name of the products and/or services provided
  • whether or not VAT is applicable

If the organization or individual is not a Russian resident, you will also need to add a currency transaction code in the following format: {VO<currency transaction code>}. The code needs to be agreed beforehand with your Bank 131 manager.

Note!

Prohibited characters: ?, !.

The maximum length is 210 characters.

Payout purpose example​

Wire for agreement № 5015553111 Ivanov Ivan Ivanovich VAT exempt

Step 1. Create a payment session​

Create a session using the session/create/nominal method. You will receive the payment session identifier in response. You will need it in the subsequent steps.

Alternatively, you can use the session/init/payout/nominal method to create a session and a payout at the same time. In this case, specify all the payout parameters with open card data and skip the next step. This option is not recommended.

Request example
curl -X POST \
  https://demo.bank131.ru/api/v1/session/create/nominal \
  -H 'Content-Type: application/json' \
  -H 'X-PARTNER-PROJECT: your_project_name' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "metadata": "good"
  }'

Step 2. Send the payout​

Send a session/start/payout/nominal request, specifying the session identifier alongside the payout parameters with open data.

Example of a payout with open data
curl -X POST \
  https:// api/v1/session/start/payout/nominal \
  -H 'Content-Type: application/json' \
  -H 'X-PARTNER-PROJECT: your_project_name' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "session_id": "ps_2643",
    "payment_method": {
      "type": "bank_account",
      "bank_account": {
        "ru": {
          "bik": "044525974",
          "account": "40817810400003869535",
          "full_name": "Ivanov Ivan Ivanovich",
          "description": "Wire for agreement № 5015553111 Ivanov Ivan Ivanovich VAT exempt"
        },
        "system_type": "ru"
      }
    },
    "amount_details": {
      "amount": 300000,
      "currency": "rub"
    },
    "participant_details": {
      "sender": {
        "account": "40702810300200000013"
      },
      "recipient": {
        "beneficiary_id": "1234567890"
      }
    }
  }'

Step 3. Wait for a webhook showing that the Bank is ready to perform the payout​

Bank 131 will send you a ready_to_confirm webhook. This means that the payout can be performed and the Bank is waiting for you to confirm.

The webhook body will contain the confirm_information object. Save it, as you will need this object to confirm the transaction.

Webhook example 
curl -X POST \
  https://partner.ru \
  -H 'content-type: application/json' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "type": "ready_to_confirm",
    "session": {
      "id": "ps_2643",
      "status": "in_progress",
      "created_at": "2025-02-20T08:42:35.905869Z",
      "updated_at": "2025-02-20T08:42:36.382627Z",
      "payments": [{
        "id": "po_513",
        "status": "pending",
        "created_at": "2025-02-20T08:42:35.965210Z",
        "payment_method": {
          "type": "bank_account",
          "bank_account": {
            "system_type": "ru",
            "ru": {
              "bik": "044525974",
              "account": "40702810500000000001",
              "full_name": "Vector LLC",
              "description": "Transfer of funds under the agreement for December 2025. VAT exempt",
              "is_fast": false,
              "kpp": "156605101",
              "inn": "1111111111"
            }
          }
        },
        "amount_details": {
          "amount": 300000,
          "currency": "RUB"
        },
        "paymentMetadata": {},
        "participant_details": {
          "sender": {
            "account": "40702810300200000013"
          }
        },
        "payment_options": {
          "recurrent": false,
          "is_subsequent": false
        }
      }],
      "next_action": "confirm",
      "session_metadata": {}
    },
    "confirm_information": {
      "account_details": {
        "sender": {
          "account_number": "40702810300200000013",
          "name": "Company name",
          "bank_name": "Bank name",
          "bik": "049205131",
          "correspondent_account_number": "30101810822029205131",
          "inn": "3316004790",
          "kpp": "156605101"
        },
        "recipient": {
          "account_number": "40702810500000000001",
          "name": "Vector LLC",
          "bank_name": "Bank name",
          "bik": "044525974",
          "correspondent_account_number": "30101810822000000974",
          "inn": "1111111111",
          "kpp": "156605101"
        }
      }
    }
  }'

Step 4. Confirm or cancel the payout​

Check the payout details and confirm the payout (session/confirm) passing the confirm_information object. Alternatively, cancel (session/cancel) the payout.

Confirming a payout 
curl -X POST \
  https://demo.bank131.ru/api/v1/session/confirm \
  -H 'Content-Type: application/json' \
  -H 'X-PARTNER-PROJECT: your_project_name' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "session_id": "ps_2643",
    "confirm_information": {
      "account_details": {
        "sender": {
          "account_number": "40702810300200000013",
          "name": "Company name",
          "bank_name": "Bank name",
          "bik": "049205131",
          "correspondent_account_number": "30101810822029205131",
          "inn": "3316004790",
          "kpp": "156605101"
        },
        "recipient": {
          "account_number": "40702810500000000001",
          "name": "Vector LLC",
          "bank_name": "Bank name",
          "bik": "044525974",
          "correspondent_account_number": "30101810822029205974",
          "inn": "1111111111",
          "kpp": "156605101"
        }
      }
    }
  }'
Canceling a payout 
curl -X POST \
  https://demo.bank131.ru/api/v1/session/cancel \
  -H 'Content-Type: application/json' \
  -H 'X-PARTNER-PROJECT: your_project_name' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "session_id": "ps_2643",
    "confirm_information": {
      "account_details": {
        "sender": {
          "account_number": "40702810300200000013",
          "name": "Company name",
          "bank_name": "Bank name",
          "bik": "049205131",
          "correspondent_account_number": "30101810822029205131",
          "inn": "3316004790",
          "kpp": "156605101"
        },
        "recipient": {
          "account_number": "40702810500000000001",
          "name": "Vector LLC",
          "bank_name": "Bank name",
          "bik": "044525974",
          "correspondent_account_number": "30101810822029205974",
          "inn": "1111111111",
          "kpp": "156605101"
        }
      }
    }
  }'

Step 5. Wait for a webhook with the results of the payout​

Bank 131 will send you a payment_finished webhook. The result of the payout can be found in the status field of the payments/payout_list array.

The succeeded status means the payout has been successful. The failed status means the payout has not been completed because of an error.

More about the payout statuses >

View error codes >

How to know if a payout is returned >