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Features

With this API, you can securely and with ease execute payouts and tax payments.

Guarantee payment balance​

First you send a guarantee payment to Bank 131, then the Bank executes your payout orders. The total of your payouts cannot exceed the guarantee payment you have deposited.

To perform payouts through the Faster Payment System, you need to open a current account in Bank 131.

You need to regularly check the balance of your guarantee payment balance using the wallet/balance method and top it up in advance via bank wire to the account specified in your agreement with the Bank. The wire takes 1 to 3 working days.

If the total of the payouts you have ordered to be performed using this API exceeds your guarantee payment, Bank 131 will not be able to perform the payouts.

Who can receive payouts​

Any individuals, legal entities, sole proprietors, and self-employed persons.

For payments to the self-employed, you need to link the self-employed person to Bank 131, and then perform a payout with fiscalization via API.

Learn more about payouts to the self-employed

Where you can send payouts​

Supported payout currencies​

Who can do this​

Sole proprietors and legal entities registered in Russia and abroad.

Getting started​

Sign an agreement with Bank 131, complete your legal entity KYC procedure with Bank 131, and complete the integration via this API.

Where to begin

How to obtain card details for payouts​

If necessary, you can collect bank card details for payouts on your side (you must comply with the additional PCI DSS requirements). Otherwise, you can use our widget: the recipient enters their card details in the widget and you will receive a token which you can then use to perform payouts to this card.

Also Bank 131 offers the option to store tokenized data for Russian cards on the Bank's side. This may be convenient in case you decided not to store the bank card details on your side or if using our tokenization widget does not suit you for some reason.

Learn more about the card tokenization

Card identifier​

To enable this functionality, please contact your manager at Bank 131.

If you do not store bank card details on your side and you need to understand which card the user is using and whether users' cards overlap, you can use the card identifier feature.

If you have multiple projects (X-PARTNER-PROJECT), a card identifier may be the same or different for each project. Please inform your manager at Bank 131 which option you prefer.

A card identifier is unique and is generated based on the card number and its expiration date. Its value is passed in the card_id parameter.

A card identifier can not be used for making payments or for getting all linked cards.

A card identifier is not a replacement for a token—you will receive both.

Main payout scenario​

  1. Send a request to create an access token for the JavaScript library.

  2. Launch the widget with the created token, show it to the user, and get tokenized card details.

    Tokenized card details can be saved so that you can send money to that card later.

  3. Perform the payout:

    The payout request should specify the method to receive the payment and all the parameters mandatory for that method.

  4. Wait for a ready_to_confirm webhook from Bank 131, indicating that it is ready to perform a payment and is waiting for your approval.

    In case you disabled webhooks, send a session/status request and wait until confirm is returned in the session.next_action field.

  5. Confirm (session/confirm) or cancel (session/cancel) the operation.

  6. Wait for a payment_finished webhook containing the result of the payout. If the status is succeeded, the payout was successful.

A payout to a Russian bank account may be refunded within 5 days. In this case, you will receive a payment_refunded webhook.

Learn more about payout refunds

Refunds​

If your payout fails, you can request a refund. The refunds are made within 5 days.

Learn more about payout refunds

Settlement account​

You may perform payouts via API through the Faster Payment System with the funds on your current settlement account. The funds are instantly debited from your current account and credited to the recipient's account. You may top up your current account with a bank transfer.

You may monitor the current account balance in your remote banking service account, the statement will show the payouts through FPS, as well as all other current account transactions.

Escrow account​

You may realize payouts from payers to beneficiaries using an escrow account. Before crediting funds to your escrow account, provide the Bank with the information about the beneficiaries who own the funds.

The funds are instantly debited from your account and credited to the beneficiary's bank card.

You may monitor the escrow account balance in your remote banking system account. The statement will show all transactions for the account, including payouts. Additionally, the Bank will send you the daily payouts report.

Financial documents​

The Banks sends you daily and monthly reports about your payouts.

Learn more about monthly reports and daily reports

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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