Skip to main content

Payout to a Russian bank account

With the API, you can carry out payouts to Russian bank accounts belonging to individuals, legal entities, and self-employed people. All the parameters are passed in the clear.

info

Payouts to the accounts of legal entities are available only for non-residents of the Russian Federation.

Allowed accounts​

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

  • 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+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 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 How to set this out
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

How to set out the payout purpose​

In the payout purpose (the bank_account.ru.description field), according to Russian law, the following must be specified:

  • the type of operation (e.g. service fee)
  • the basis, or reason, for the payment (e.g. the agreement number)
  • the name of the products and/or services provided
  • whether or not VAT is applicable

If your organization is not based in Russia, you will also need to add a currency transaction code in the following format: {VO<currency transaction code>} without any indents or spaces. The code needs to be agreed beforehand with a Bank 131 manager.

The payout purpose should not contain the following characters: ?, !. The maximal length of the field for payouts to bank accounts is 210 characters.

An example of a payout purpose​

Wire for agreement № 5015553111 Ivanov Ivan Ivanovich VAT exempt

Making a payout​

The payout is performed as in the general scenario. Open parameters are passed. You do not need to use the widget.

See the payout scenario

An example of a request for a payout to a bank account​

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"
}'

Speedy payouts to accounts in Russian banks (via BESP)​

You can make speedy payouts to accounts in Russian banks—through the BESP system. A speedy payout takes place within an hour, a regular one—from 2 hours to 1 banking day (the term of crediting depends on the recipient's bank).

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

How to enable​

Sign an agreement with Bank 131 for making payouts, indicate that you want to make payouts through BESP. If the agreement already exists, but there are no payouts through BESP in it, contact our manager.

How to make a payout via BESP​

In the payout request, pass true in the ru object in the is_fast field, and your payout will be sent through BESP.

If you do not specify this parameter, a regular payout will be sent.

An example of an object with payout through BESP​

"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​

  • If you send a payout in a way that is not in your agreement with Bank 131, the payout will not go through. The response be received as a routing_internal_error.
  • If you send a speedy payout to a bank that is not connected to the BESP system, the payout will be sent as regular, but the Bank will charge the commission set for a speedy payout.

Payout refund​

The payout you sent to a Russian bank account may be refunded. In this case, you will get a refund within 5 days.

Learn more about payout refunds