Payouts via FPS to a phone number

You can make payouts to an account of an individual by their phone number via the Faster Payment System (FPS) from your settlement or escrow account. To do this, open a settlement account with Bank 131, after which the Bank signs you up to the Faster Payment System.

info

To see an up-to-date list of banks participating in FPS, use our fps/banks method.

Before making a payout using the new details, check whether the recipient is registered in FPS using the fps/customer_verification method. For subsequent payouts using the same details, verification is not required.

Important!

FPS payouts cannot be refunded.

Payout parameters

Name	Mandatory	Type	Description
payment_method/payout_details	+	object	Payout data
type	+	string	Value: bank_account
bank_account	+	object	Bank account
system_type	+	string	Bank transfer system. Always: faster_payment_system
faster_payment_system	+	object	FPS data
phone	+	string	Recipient's phone number
bank_id	+	string	Identifier of the recipient's bank in FPS
description	+	string	Payout purpose
amount_details	+	object	Amount
amount	+	int	Amount in ruble decimal format. The value must be greater than zero. To send 100 rubles, specify 10000
currency	+	string	Currency code according to ISO 4217. Case insensitive. Always: rub
participant_details	- (mandatory for payouts from an escrow account)	object	Information on the payout participants
sender	+	object	Sender details
account	+	string	Escrow account number from which to make the payout
recipient	+	object	Recipient details
beneficiary_id	+	string	INN of the beneficiary

How to specify the payout purpose

In the description parameter, specify the following:

• the transaction type (e.g. service fee)
• the reason for the transaction (e.g. under Agreement No. 123)
• the name of the products and/or services provided
• whether or not VAT is applicable
• for non-residents of the Russian Federation: a currency transaction code agreed with Bank 131

Restrictions:

• disallowed characters: ?, !
• maximum length:140 characters

Payout purpose example

For residents

Wire for agreement № 5015553456 Ivanov Ivan Ivanovich VAT exempt

For non-residents

{VO99090} Wire for agreement № 5015553456 Ivanov Ivan Ivanovich VAT exempt

How to perform a payout from the settlement account

Use the payout scenario without our widget sending the parameters from the table above.

Example of an FPS payout from the settlement account

curl -X POST \
  https://demo.bank131.ru/api/v1/session/init/payout \
  -H 'Content-Type: application/json' \
  -H 'X-PARTNER-PROJECT: your_project_name' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "payment_method": {
      "type": "bank_account",
      "bank_account": {
        "system_type": "faster_payment_system",
        "faster_payment_system": {
          "phone": "79680000000",
          "bank_id": "100000000069",
          "description": "Wire for agreement № 5015553111 Ivanov Ivan Ivanovich VAT exempt"
        }
      }
    },
    "amount_details": {
      "amount": 30000,
      "currency": "rub"
    },
    "metadata": "good"
  }'

How to perform a payout from the escrow account

Important!

Before making a payout, submit a list of beneficiaries to Bank 131 to identify them.

Use the payout scenario without our widget sending the parameters from the table above.

Example of an FPS payout from the escrow account

curl -X POST \
  https://demo.bank131.ru/api/v1/session/init/payout/nominal \
  -H 'Content-Type: application/json' \
  -H 'X-PARTNER-PROJECT: your_project_name' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "payment_method": {
      "type": "bank_account",
      "bank_account": {
        "system_type": "faster_payment_system",
        "faster_payment_system": {
          "phone": "79680000000",
          "bank_id": "100000000069",
          "description": "Wire for agreement № 5015553111 Ivanov Ivan Ivanovich VAT exempt"
        }
      }
    },
    "amount_details": {
      "amount": 30000,
      "currency": "rub"
    },
    "participant_details": {
      "sender": {
        "account": "40702810300200000013"
      },
      "recipient": {
        "beneficiary_id": "1234567890"
      }
    },
    "metadata": "good"
  }'