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Features

With Bank 131 API you can securely and with ease execute payouts to individuals, legal entities, sole proprietors, and self-employed persons as well as pay taxes to the Federal Tax Service. You can make payouts in both Russian rubles and foreign currency.

You can send money to:

Also, you can send money by the recipient's phone number via the FPS.

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The Bank provides daily and monthly payout reports.

Bank accounts​

Depending on your goals and objectives, you will need one or more accounts: a settlement account, a collateral account, and/or an escrow account.

Settlement account​

From your settlement account, you can send payouts to bank cards, Russian bank accounts, and/or to a phone number using the FPS.

You can send money, view bank statements, and check the balance using our API or through your personal account in our online banking system.

Learn more about the settlement account

Collateral account​

Use your collateral account if you do not need a settlement account.

First you send a guarantee payment to your collateral account at Bank 131, which is specified in the contract. After that, the Bank can execute your payout orders, provided that the account has enough funds for the transfer, including the fee.

You can manage payouts only using our API. Regularly check the balance of your collateral account using the wallet/balance method. If the balance is low, top it up in advance.

Escrow account​

If you plan to make payouts to bank cards and Russian bank accounts using the funds of third parties on your own behalf, open an escrow account. Before crediting funds to your escrow account, provide the Bank with the information about the beneficiaries (ultimate recipients).

You can send payouts from your escrow account only using the API, but you can also use your personal account in our online banking system to check the balance and see the bank statements.

Learn more about the escrow account

Processing, transferring, and storing card details​

Choose how you will process, transfer, and store card details:

  • On your own. In this case, you will need to comply with all the requirements of PCI DSS. You can send payouts as follows:
    • by card number. You get details from the recipient and then send them directly to the Bank for a payout.
    • by token. If you do not want to send the details directly each time, you can create a token using the tokenize/elements method, and use it for payouts.
  • Using the widget of Bank 131. In this case, you will need to comply with certain requirements of PCI DSS. You place the widget on your website, the user enters their card details, and you get them in the form of a token. Use this token to make payouts.

Card identifier​

A card identifier is generated based on the card number and its expiration date if it is available. It allows determining which card the user is using and whether users' cards overlap (if multiple users are using the same card). Its value is passed in the card_id parameter.

By default, the card_id parameter is unique for each project but you can choose this value to be the same across all your projects.

Learn more about the project

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A card identifier cannot be used to make payments or to retrieve all cards linked to a recipient.

Refunds​

Funds transfers to accounts in Russian banks may be declined. This can occur, for instance, if the account is blocked. In this case, the money is returned to the sender's account. The refund is carried out within 7 business days.

Learn more about payout refunds

Tariffs and limits​

The tariffs for payouts are fixed in your agreement with the Bank. You can discuss them with your manager. The limits vary depending on the payout method.





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