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Features

You can securely and with ease execute payouts to individuals, legal entities, sole proprietors, and self-employed persons as well as pay VAT 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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Bank 131 provides a daily payout report and a monthly payout report.

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​

With a settlement account, you can send payouts to counterparties, disburse salaries, settle taxes, and perform other transactions. You can transfer money to Russian bank cards and accounts, or send it by phone number via the FPS.

Learn more on working with 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.

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​

An escrow account is a special bank account for settlements between transaction participants. The key feature of this account is that the funds in it belong to third parties—the beneficiaries, and not to you as the account holder. These beneficiaries are your clients under contracts. You are authorized to manage the funds on their behalf, but you do not own them.

To open an escrow account, you must first have a settlement account. The escrow account is used exclusively for payouts, ensuring a clear separation between your funds and your clients' funds.

You can manage payouts from the escrow account via API.

Learn more on working with the escrow account

Processing, transferring, and storing card details​

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

  • On your own. You will need to comply with all the requirements of PCI DSS for this method. You can send payouts:
    • by card number. You get the number using any convenient method and make a payout.
    • by a bank card token or hash.
  • Using Bank 131 widget. It is sufficient to meet PCI DSS requirements to operate this widget. You place the widget on your website, the user enters their card number, and the widget returns a hash that should be used for 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 Bank 131. You can discuss them with your manager. The limits vary depending on the payout method.