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Card Payouts

Last updated: 29th June 2022

Send money to a card in minutes. Using Visa Direct and Mastercard Moneysend, you can transfer funds directly to cards across over 180 countries.

This feature is available for merchants incorporated in the United Kingdom, Gibraltar, the European Economic Area (EEA), and Singapore.


Before you start


Step 1: Make a payout request

You can send a payout using either:

Transaction types

There are three main types of Card Payout transaction:

Transaction typeDescriptionSender data required?

Direct funds disbursement

You send money directly to a cardholder.

No

Third-party funds disbursement

You send money to a cardholder on behalf of a business or other entity.

Yes

Money transfer

You send money to a cardholder on behalf of an individual.

Yes

Sender data

You must include the details of the sender in your payout request when you're sending money on behalf of someone else (third-party funds disbursements and money transfers). For details of the sender data required, see our sender data guide.

Payout request using a token

Create a payout request with a token (the tokenized details of a payment card) as the destination.

Tokens are single use and only have a 15-minute lifespan.

Endpoints

For a full list of optional and required fields, see our API reference.

    post

    https://api.checkout.com/payments

    Request examples

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      {
      "destination": {
      "type": "token",
      "token": "tok_ihvkileifkzebkgnhkskbglyte",
      "first_name" : "John",
      "last_name" : "Smith"
      },
      "amount": 1000,
      "currency": "GBP",
      "fund_transfer_type": "FD",
      "reference": "ORD-5023-4E89"
      }

      Payout request using a payment instrument

      Create a payout request with a payment instrument as the destination.

      A payment instrument is a stored payment card, kept securely in our Vault. Each payment instrument has a unique ID (for example, src_nwd3m4in3hkuddfpjsaevunhdy), which you can use as the destination for a card payout. Learn more about stored payment details.

      Endpoints

      For a full list of optional and required fields, see our API reference.

        post

        https://api.checkout.com/payments

        Request examples

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          {
          "destination": {
          "type": "id",
          "id": "src_nxc36gtdwjtuxfeg2vsy722m4e",
          "first_name": "John",
          "last_name": "Smith"
          },
          "amount": 100,
          "currency": "GBP",
          "fund_transfer_type": "FD",
          "reference": "ORD-5023-4E89"
          }

          Payout request using full card details

          Create a payout request using the full details of the payment card as the destination.

          In order to make a card payout using full card details, you need to be PCI compliant (SAQ-D).

          Payouts using full card details are not available by default. To enable this feature, please contact your Customer Success Manager.

          Endpoints

          For a full list of optional and required fields, see our API reference.

            post

            https://api.checkout.com/payments

            Request examples

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              {
              "destination": {
              "type": "card",
              "number": "4242424242424242",
              "expiry_month": 12,
              "expiry_year": 2025,
              "first_name": "John",
              "last_name": "Smith",
              },
              "amount": 100,
              "currency": "GBP",
              "fund_transfer_type": "FD",
              "reference": "ORD-5023-4E89"
              }

              Step 2: Handle the response

              If your payout request was successful, you'll receive a 202 Payment asynchronous or further action required response, and the status will be Pending while the transaction goes through compliance checks. A webhook and response code will tell you the final outcome of the payout.

              If there was a problem with your request, you'll receive a 422 Invalid data sent response. You can receive this error for several reasons; the data you provided may be invalid, or your request might not comply with the specific configuration of your account. To discuss the configuration of your account, contact your Customer Success Manager.

              Card payouts cannot be canceled.

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                {
                "id": "pay_wugo7nun52aetgpgnyzyzvghnu",
                "status": "Pending",
                "reference": "ORD-5023-4E89",
                "customer": {
                "id": "cus_37h52rohzyyerg74s7hd6yxsue"
                },
                "_links": {
                "self": {
                "href": "https://api.sandbox.checkout.com/payments/pay_wugo7nun52aetgpgnyzyzvghnu"
                }
                }
                }

                Step 3: Check the outcome

                If the payout was successful, you'll receive a payment_paid webhook. If it's unsuccessful, you'll get a payment_declined webhook. The included response code will provide more details.

                You can see a record of all your payouts in your statements and in the payouts report in the Hub.

                The issuing bank has full discretion over how they respond to a card payout request. If you have a question about the response code you've received, please contact the issuing bank or your Customer Success Manager.

                Webhook examples

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                  {
                  "id": "evt_hbnxegj3dqyu5fsd4p2b4bxvpa",
                  "type": "payment_paid",
                  "created_on": "2019-12-11T08:59:39Z",
                  "data": {
                  "action_id": "act_fgmhgzodurievpxbdzgl3ftxce",
                  "auth_code": "924041",
                  "response_code": "10000",
                  "response_summary": "Approved",
                  "amount": 115,
                  "metadata": {},
                  "destination": {
                  "id": "src_cdfv47bowvmezfdhjt7ibqrdxy",
                  "type": "card",
                  "expiry_month": 12,
                  "expiry_year": 2020,
                  "name": "John Smith",
                  "scheme": "Visa",
                  "last_4": "4242",
                  "fingerprint": "436d1eb12c4b92b9eeb1e798dea93a718c78f5362c7fb5d84b51c72a869b6101",
                  "bin": "424242",
                  "card_type": "Credit",
                  "card_category": "Consumer",
                  "issuer": "JPMORGAN CHASE BANK NA",
                  "issuer_country": "US",
                  "product_id": "A",
                  "product_type": "Visa Traditional",
                  "avs_check": "S",
                  "cvv_check": "Y"
                  },
                  "customer": {
                  "id": "cus_bv2khjtcah5uzimoi2qvniwnsm"
                  },
                  "id": "pay_fk234x52k6i4rmjmqnzx474fqi",
                  "currency": "DKK",
                  "processed_on": "2019-12-11T08:59:40Z",
                  "reference": "example payout"
                  },
                  "_links": {
                  "self": {
                  "href": "https://api.sandbox.checkout.com/events/evt_hbnxegj3dqyu5fsd4p2b4bxvpa"
                  },
                  "payment": {
                  "href": "https://api.sandbox.checkout.com/payments/pay_fk234x52k6i4rmjmqnzx474fqi"
                  }
                  }
                  }

                  Response codes

                  Below is a list of common response codes used for Card Payouts. See our response code page for the full list of response we support.

                  Code TypeResponse CodeDescriptionRetryAction

                  Approved

                  10000

                  Approved

                  No

                  Success

                  Declined

                  20001

                  Refer to card issuer

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20002

                  Refer to card issuer, special condition

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20003

                  Invalid merchant

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20005

                  Declined - Do Not Honor

                  Yes

                  Try submitting the transaction again or contact the issuing bank for more details.

                  Declined

                  20006

                  Error/Invalid request parameter

                  No

                  Check and correct error as needed.

                  Declined

                  20012

                  Invalid transaction

                  No

                  Check and correct error as needed.

                  Declined

                  20013

                  Invalid Value/Amount

                  No

                  Check and correct error as needed.

                  Declined

                  20014

                  Invalid Card Number

                  No

                  Check and correct error as needed.

                  Declined

                  20019

                  Re-enter transaction or transaction has expired

                  Yes

                  Try submitting the transaction again.

                  Declined

                  20021

                  No action taken

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20039

                  No credit account

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20051

                  Not sufficient funds

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20052

                  No checking account

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20053

                  No savings account

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20054

                  Expired Card

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20057

                  Transaction not Permitted to Cardholder

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20059

                  Suspected fraud

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20061

                  Exceeds Withdrawal Value/Amount Limits

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20062

                  Restricted Card

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20063

                  Security Violation

                  No

                  Check and correct error as needed. Contact the issuing bank for more details.

                  Declined

                  20064

                  Transaction does not fulfil AML requirements

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20065

                  Exceeds Withdrawal Frequency Limit

                  Yes

                  Contact the issuing bank for more details.

                  Declined

                  20089

                  Administration error

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20091

                  Issuer or Switch is Inoperative

                  Yes

                  Contact the issuing bank for more details.

                  Declined

                  20092

                  Financial institution not found

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20093

                  Transaction Cannot be Completed (violation of law)

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20094

                  Duplicate Transmission/Invoice

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20096

                  System Malfunction

                  Yes

                  Contact the issuing bank for more details.

                  Declined

                  200N7

                  Decline for CVV2 Failure

                  No

                  Contact the issuing bank for more details.

                  Declined

                  20154

                  3DS authentication required

                  No

                  Contact the issuing bank for more details.

                  Declined

                  30004

                  Pick up card(No Fraud)

                  No

                  Contact the issuing bank for more details.

                  Declined

                  30007

                  Pick up card, special conditions

                  No

                  Contact the issuing bank for more details.

                  Declined

                  30015

                  No Such Issuer

                  No

                  Contact the issuing bank for more details.

                  Declined

                  30020

                  Invalid Amount

                  No

                  Declined. Contact your Customer Success Manager for more details.

                  Declined

                  30041

                  Lost Card - Pick Up

                  No

                  Contact the issuing bank for more details.

                  Declined

                  30043

                  Stolen Card - Pick Up

                  No

                  Contact the issuing bank for more details.

                  Declined

                  50002

                  Sanctions Failed

                  No

                  Declined. Contact your Customer Success Manager for more details.

                  Payout purpose values

                  donations, education, emergency_need, expatriation, family_support, financial_services, gifts, income, insurance, investment, it_services, leisure, loan_payment, medical_treatment, other, pension, royalties, savings, travel_and_tourism