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Payouts by bank account number

Below is a scenario where you send open parameters. You can send money to an account in the following two ways:

  • as a speedy payout through the BESP system—the money will be credited within an hour
    To enable speedy payouts, contact your account manager.
  • as a standard payout—the money will be credited within a period from 2 hours to 1 banking day (this depends on the recipient's bank)

The tariffs for standard and speedy payouts differ and are fixed in the agreement with Bank 131.

Accounts for payouts​

You can only send payouts to the accounts that begin with these digits:

  • 40817810
  • 42301810
  • 42302810
  • 42303810
  • 42304810
  • 42305810
  • 42306810
  • 42307810
  • 40802810
  • 40820810
  • 40702810 (for the accounts of legal entities)

If the account begins with another number, the payout will fail.

Payout parameters​

NameMandatoryTypeDescription
payment_method/payout_details+objectPayment data
  type+stringValue: bank_account
  bank_account+objectBank account
    system_type+stringBank transfer system. Always: ru
    ru+objectBank account object
      bik+stringRecipient's bank's BIC
      account+stringRecipient's bank account
      full_name+stringIndividual's full name. In case of a payout to an account of a sole proprietor it should be passed in the following format: ИП <full name>
      inn- (mandatory for payouts to individual proprietors and legal entities)stringINN
      kpp- (mandatory for payouts to legal entities' accounts)stringThe recipient's Tax Registration Reason Code (KPP)
      description+stringPayout purpose
participant_details- (mandatory only for payouts from an escrow account)objectInformation on payout participants
  sender+objectSender's details
    account+stringBank escrow account to send the payout from
    beneficiary_id+stringBeneficiary's INN
  recipient+objectRecipient's details
    beneficiary_id+stringBeneficiary's INN
payment_details- (mandatory only for payouts from an escrow account)objectInformation about a transaction (type, description)
  type+stringValue: internal_transfer
amount_details+objectAmount
  amount+intAmount in ruble decimal format. The value must be greater than zero. To send 100 rubles, specify 10000
  currency+stringCurrency code according to ISO 4217. Case insensitive. Always: rub

Payout purpose requirements​

When sending money, specify the following data in the bank_account.ru.description parameter:

  • operation type (for example: service payment)
  • payment reason (for example: under agreement No. 123)
  • product/services/commodity name
  • whether or not VAT is applicable

If the organization/individual is not based in Russia, also specify a currency transaction code in the {VO<currency transaction code>} format pre-agreed with Bank 131.

warning

Disallowed characters: ?, !.

Maximum text length: 210 characters.

Payout purpose example​

Wire for agreement № 5015553111 Ivanov Ivan Ivanovich VAT exempt

Making a standard payout​

Follow the standard scenario of a payout without our widget. See the payout parameters in the table above.

To get notifications when funds are credited to the recipient's account, enable the confirmation_payout webhook. To do this, contact your account manager. Webhook delivery is not guaranteed by Bank 131, as it depends on the recipient bank.

Standard payout example​

curl -X POST \
  https://demo.bank131.ru/api/v1/session/init/payout \
  -H 'content-type: application/json' \
  -H 'X-PARTNER-SIGN: signature' \
  -H 'X-PARTNER-PROJECT: your_project_name' \
  -d'{
      "payment_method": {
          "type": "bank_account",
          "bank_account": {
              "system_type": "ru",
              "ru": {
                  "bik": "044525971",
                  "account": "40817810100000270411",
                  "full_name": "Ivanov Ivan Ivanovich",
                  "description": "Wire for agreement № 5015553111 Ivanov Ivan Ivanovich VAT exempt"
              }
          }
      },
      "amount_details": {
          "amount": 10000,
          "currency": "rub"
      },
      "metadata": "good"
  }'

Making a speedy payout​

Follow the standard scenario of a payout without our widget. See the payout parameters in the table above. In the payout request, pass true in the is_fast parameter of the ru object, otherwise a standard payout will be made.

Object example​

{
"bank_account": {
  "system_type": "ru",
  "ru": {
    "bik": "044525971",
    "account": "40817810100000270411",
    "full_name": "Ivanov Ivan Ivanovich",
    "description": "Wire for agreement № 5015553111 Ivanov Ivan Ivanovich VAT exempt",
    "is_fast": "true"
  }
}

What can go wrong

While making a payout you may encounter the following errors:

  • routing_internal_error — the payout failed as the selected payout option was not stipulated in your agreement with Bank 131
  • if you send a speedy payout to a bank that is not connected to the BESP system, the payout will be sent as standard, but the Bank will charge the commission for a speedy payout anyway

How to learn that a payout was returned >





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