Payments via FPS

You can receive payments using the Faster Payment System (FPS). To do this:

Open an account in Bank 131.
Register your legal entity account with the FPS.
Add an FPS payment link onto your payment webpage.

You can accept FPS payments in two ways:

With a QR code, which works for payments made from a desktop browser.
With a deeplink, which works for payments made from a mobile device.

To accept the FPS payments with a QR code, you should create QR code in accordance with the NSPK guidelines.

After an FPS payment is complete, you will receive the customer's masked phone number within session.acquiring_payments.customer.contacts.phone. Should you require the customer's full phone number, apply to your manager in Bank 131.

For your convenience, you can use automatic payment session confirmation, when you are not required to obtain a ready_to_confirm webhook and then confirm it. To set up the automatic payment session confirmation, apply to your manager in Bank 131.

Please be aware that you are not able to make test payments using our test environment as there is no mobile application available to successfully complete a test payment.

How to receive a payment via FPS

Create a payment session session/create.
Send a payment request using the session/start/payment method. The payment_options.return_url parameter contains an URL to take customer back from the issuer's mobile application.

Request example

curl -X POST \
https://demo.bank131.ru/api/v1/session/start/payment \
-H 'Content-Type: application/json' \
-H 'X-PARTNER-PROJECT: your_project_name' \
-H 'X-PARTNER-SIGN: signature' \
-d '{
  "session_id": "ps_123456789",
  "payment_details": {
    "type": "faster_payment_system"
  },
  "amount_details": {
    "amount": 10000,
    "currency": "rub"
  },
  "payment_options": {
    "return_url": "https://acme.com/api/payments/01hp306zyxxznp7tdrwq7dygaf/redirect"
  },
  "customer": {
    "reference": "lucky"
  }
}'

Response example

{
  "status": "ok",
  "session": {
    "id": "ps_123456789",
    "status": "in_progress",
    "created_at": "2021-04-27T16:15:00.354384Z",
    "updated_at": "2021-04-27T16:15:00.402138Z",
    "acquiring_payments": [
      {
        "id": "pm_5000",
        "status": "in_progress",
        "created_at": "2021-04-27T16:15:00.405618Z",
        "customer": {
          "reference": "lucky"
        },
        "payment_details": {
          "type": "faster_payment_system"
        },
        "amount_details": {
          "amount": 10000,
          "currency": "rub"
        },
        "payment_options": {
          "return_url": "https://acme.com/api/payments/01hp306zyxxznp7tdrwq7dygaf/redirect",
          "recurrent": false
        }
      }
    ]
  }
}

Wait for a ready_to_confirm webhook to confirm the payment with session/confirm or cancel the payment with session/cancel.
Wait for an action_required webhook. The customer_interaction.inform.qr.content parameter contains a deeplink which you can either display as QR code to the customer in a web browser, or forward the customer to the issuer's mobile application.

Example

{
  "type": "action_required",
  "session": {
    "id": "ps_120285623",
    "status": "in_progress",
    "created_at": "2024-02-07T23:59:52.977041Z",
    "updated_at": "2024-02-07T23:59:53.847595Z",
    "acquiring_payments": [
      {
        "id": "pm_94939668",
        "status": "pending",
        "created_at": "2024-02-07T23:59:53.160440Z",
        "customer": {
          "reference": "95.24.204.116"
        },
        "payment_details": {
          "type": "faster_payment_system"
        },
        "amount_details": {
          "amount": 10000,
          "currency": "RUB"
        },
        "customer_interaction": {
          "type": "inform",
          "inform": {
            "qr": {
              "content": "https://qr.nspk.ru/AD1000269CKIK8M09C1RB40LB7QAM8IH?type=02&bank=100000000143&sum=1000&cur=RUB&crc=C900",
              "img": "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"
            }
          }
        },
        "payment_options": {
          "return_url": "https://acme.com/api/payments/01hp306zyxxznp7tdrwq7dygaf/redirect",
          "recurrent": false
        }
      }
    ],
    "actions": {
      "confirm": "2024-02-07T23:59:53.310721Z"
    }
  }
}

Wait for a payment_finished webhook containing the payment result from Bank 131. The succeeded status indicates a successful payment. The webhook also contains the customer's phone number.

Example

{
  "type": "payment_finished",
  "session": {
    "id": "ps_123456789",
    "status": "accepted",
    "created_at": "2024-02-07T23:59:52.977041Z",
    "updated_at": "2024-02-08T00:00:06.202928Z",
    "acquiring_payments": [
      {
        "id": "pm_12345678",
        "status": "succeeded",
        "created_at": "2024-02-07T23:59:53.160440Z",
        "finished_at": "2024-02-08T00:00:06.125704Z",
        "customer": {
          "reference": "lucky",
          "contacts": [
            {
              "phone": "7965*****85"
            }
          ]
        },
        "payment_details": {
          "type": "faster_payment_system"
        },
        "amount_details": {
          "amount": 10000,
          "currency": "RUB"
        },
        "payment_options": {
          "return_url": "https://acme.com/api/payments/01hp306zyxxznp7tdrwq7dygaf/redirect",
          "recurrent": false
        }
      }
    ],
    "actions": {
      "confirm": "2024-02-07T23:59:53.310721Z",
      "capture": "2024-02-08T00:00:05.967084Z"
    }
  }
}

How to make a refund via FPS

To make refunds using the FPS, follow the standard procedure.

How to receive a payment via FPS​

How to make a refund via FPS​

Payment diagram​

How to receive a payment via FPS

How to make a refund via FPS

Payment diagram