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Payouts by card number

To make payouts by card number, you will need to comply with all the requirements of PCI DSS for this method.

How to make a payout using the widget >

Step 1. Create a payment session​

Create a session using the session/create 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 method to create a session and a payout at the same time. In this case, specify all the parameters for a payout with open data right away and skip the next step. This option is not recommended.

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

Step 2. Start the payout​

Start the payout using the session/start/payout method. Pass the session identifier along with all the parameters for a payout with open data.

Request example 
curl -X POST \
  https://demo.bank131.ru/api/v1/session/start/payout \
  -H 'Content-Type: application/json' \
  -H 'X-PARTNER-PROJECT: your_project_name' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "session_id": "ps_3230",
    "payment_method": {
      "type": "card",
      "card": {
        "type": "bank_card",
        "bank_card": {
          "number": "2200********4940"
        }
      }
    },
    "participant_details": {
      "recipient": {
        "full_name": "Ivanov Ivan Ivanovich"
      }
    },
    "amount_details": {
      "amount": 10000,
      "currency": "rub"
    },
    "metadata": "good"
  }'

Step 3. Wait for a webhook saying the payout is ready​

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 (or cancel).

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_3230",
      "status": "in_progress",
      "created_at": "2025-05-27T02:03:00.000000Z",
      "updated_at": "2025-05-27T02:03:00.000000Z",
      "next_action": "confirm",
      "payments": [{
        "id": "po_2025",
        "status": "pending",
        "created_at": "2025-05-27T02:03:00.000000Z",
        "payment_method": {
          "type": "card",
          "card": {
            "last4": "4940",
            "brand": "mir",
            "bin": "220024",
            "country_iso3": "RUS"
          }
        },
        "participant_details": {
          "recipient": {
            "full_name": "Ivanov Ivan Ivanovich"
          }
        },
        "amount_details": {
          "amount": 10000,
          "currency": "rub"
        },
        "metadata": "good"
      }]
    }
  }'
Handling the webhook using SDK 
use Bank131\SDK\Client;
use Bank131\SDK\Config;
use Bank131\SDK\Services\WebHook\Hook\WebHookTypeEnum;

$config = new Config(
    'https://demo.bank131.ru',
    'your_project_name',
    file_get_contents('/path/to/your/private_key.pem'),
    file_get_contents('/path/to/bank131/public_key.pem')
);

$client = new Client($config);

$hook = $client->handleWebHook('sign from headers', 'request body');

if ($hook->getType() === WebHookTypeEnum::READY_TO_CONFIRM) {
    $session = $hook->getSession();
    //do your logic here
}

Step 4. Confirm or cancel the payout​

Check the payout details and confirm that you are ready to perform the payout (session/confirm ) or cancel it (session/cancel).

Confirming the session 
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_3230"
  }'
Canceling the session 
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_3230"
  }'

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

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 object.

If the status is succeeded, then the payout was successful. If the status is failed, then an error occurred during the payout.

More about the payout statuses >

View error codes >

Handling the webhook using SDK 
use Bank131\SDK\Client;
use Bank131\SDK\Config;
use Bank131\SDK\Services\WebHook\Hook\WebHookTypeEnum;

$config = new Config(
    'https://demo.bank131.ru',
    'your_project_name',
    file_get_contents('/path/to/your/private_key.pem'),
    file_get_contents('/path/to/bank131/public_key.pem')
);

$client = new Client($config);

$hook = $client->handleWebHook('sign from headers', 'request body');

if ($hook->getType() === WebHookTypeEnum::PAYMENT_FINISHED) {
    $session = $hook->getSession();
    //do your logic here
}




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