# Bank 131 API

> Bank 131 API provides everything you need for payments, payouts, and settlement between people and companies online. Base URL: `https://demo.bank131.ru` (demo) / `https://proxy.bank131.ru` (live). Sign every request body with RSA-SHA256 and send Base64 signature in `X-PARTNER-SIGN` header. Include `X-PARTNER-PROJECT` in every request.

## Getting Started

- [API Features](https://developer.131.ru/en/intro): Overview of Bank 131 platform capabilities -- payouts, payments, VAT payment, supported entity types, residency, and payout method matrix
- [Where to Begin](https://developer.131.ru/en/before): Step-by-step onboarding guide -- test setup, key generation, PCI DSS compliance, webhook URL configuration, and go-live checklist
- [API Request Format](https://developer.131.ru/en/reference/format): Request/response structure, authentication with RSA-SHA256 signature generation, idempotency key usage, header reference
- [API Testing](https://developer.131.ru/en/reference/testing): Test card numbers (3DS and non-3DS), YooMoney wallets, bank accounts, and failure simulation via `customer.reference` values
- [Standard Payout and Payment Scenarios](https://developer.131.ru/en/reference/typical): Typical session-based workflows for payouts and payments with state machine overview

## Payouts

- [About Payouts](https://developer.131.ru/en/payouts/payouts-intro): Payout methods overview -- bank cards (Visa/MasterCard/Mir), bank accounts, YooMoney wallets, FPS by phone; settlement, escrow, and collateral account types
- [Payout to a Card (PCI DSS)](https://developer.131.ru/en/payouts/payout-pcidss): Send payouts directly to Russian bank cards with full PCI DSS compliance requirements
- [Payout to a Card via Widget](https://developer.131.ru/en/payouts/payout-tokenized-card): Send payouts using the tokenized card widget with reduced PCI DSS scope
- [Payout to a Russian Bank Account](https://developer.131.ru/en/payouts/russian-account): Send payouts to Russian bank accounts via BESP or regular interbank transfer
- [Payout via FPS by Phone](https://developer.131.ru/en/payouts/payout-fps-phone): Send payouts through the Faster Payment System using recipient phone number
- [Payouts to the Self-Employed](https://developer.131.ru/en/selfemployed/intro): Fiscalization flow for payouts to self-employed individuals with Federal Tax Service receipt generation
- [Speedy Payouts](https://developer.131.ru/en/payouts/payout-account-sistema-besp): Express payout processing through the Bank of Russia payment system (BESP)
- [Payout Refunds](https://developer.131.ru/en/payouts/payout-refunds): Handling payouts declined by the recipient bank and refund processing within 7 business days
- [Settlement Account API](https://developer.131.ru/en/settlement-account/settlement-intro): Managing settlement accounts for direct payouts to counterparties, salaries, and taxes
- [Escrow Account API](https://developer.131.ru/en/escrow-account/escrow-intro): Managing escrow accounts for intermediary payouts on behalf of beneficiaries with beneficiary list submission

## Payments

- [About Payments](https://developer.131.ru/en/payments/payment-intro): Payment methods overview -- bank cards, SberPay, T-Pay, FPS QR, YooMoney, recurring payments, AFT, delayed capture, refunds
- [Payments by Bank Cards](https://developer.131.ru/en/payments/payment-pcidss): Direct card payment integration with 3DS authentication and full PCI DSS compliance
- [Single-Request Payments](https://developer.131.ru/en/payments/payment-pcidss-simple): Synchronous one-request payment flow using `session/init/payment/sync`
- [Payments via Payment Form](https://developer.131.ru/en/payments/payment-with-form): Hosted payment form widget for PCI DSS scope reduction
- [Delayed Capture Payments](https://developer.131.ru/en/payments/payment-hold): Two-stage payments -- hold funds on card for up to 5 days, then capture fully or partially
- [Recurring Payments](https://developer.131.ru/en/payments/payment-recurring): MIT/CIT recurring payment flows with token lifecycle management and disabling
- [Payments via SberPay](https://developer.131.ru/en/payments/payment-sber-pay): SberPay payments via phone number lookup or dynamic QR code
- [Payments via T-Pay](https://developer.131.ru/en/payments/payment-tpay): T-Pay payments via deeplink or QR code from T-Bank
- [Payments via FPS QR](https://developer.131.ru/en/payments/payment-fps-qr): SBP QR code payments through the Faster Payment System with dynamic or static QR
- [Payments with YooMoney](https://developer.131.ru/en/payments/p-yoomoney): Accept payments from YooMoney e-wallets
- [Refunds](https://developer.131.ru/en/payments/payment-refund): Full and partial refund flows, chargeback handling via `session/refund`
- [AFT Payments](https://developer.131.ru/en/payments/payment-aft): Account Funding Transactions -- topping up e-wallets or accounts via bank card
- [Payment Form Widget](https://developer.131.ru/en/payments/payment-widget): Payment widget technical integration guide with customization options

## Money Transfers

- [Money Transfers Overview](https://developer.131.ru/en/transfers/transfer-start): Cross-border money transfers from Russia without opening an account -- supported countries (Kazakhstan, Kyrgyzstan, Tajikistan, Uzbekistan), currencies, and multisession flow
- [Transfers Without Widget](https://developer.131.ru/en/transfers/transfer-without-widget): Direct API integration for money transfers without using the widget

## API Reference

- [Objects](https://developer.131.ru/en/reference/objects): Complete reference of all API objects -- card, customer, session, payment/payout details, amounts, fees, fiscalization, tokenization, webhook payloads (v1 and v2 naming differences documented)
- [Methods](https://developer.131.ru/en/reference/methods): Complete API method reference -- session lifecycle (create, start, confirm, cancel, capture, refund), tokenize, fps/banks, recurrent/disable, wallet/balance, account/statement (v1 and v2 endpoints)
- [Webhooks](https://developer.131.ru/en/reference/webhooks): Webhook event reference -- action_required, ready_to_confirm, ready_to_capture, payment_finished, payment_refunded, confirmation_payout, nominal_topup
- [Error Codes](https://developer.131.ru/en/reference/errors): Complete error code reference with descriptions, causes, and recovery actions for all API methods

## Dashboard

- [Dashboard Intro](https://developer.131.ru/en/dashboard/dashboard-intro): Transaction monitoring, analytics, and reporting in a single-window view

## Service Documents

- [Legal Documents](https://developer.131.ru/en/documents/landing-legal): Service agreements, restricted business list, and legal documentation