Card Payouts
Last updated: April 29, 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.
Information
This feature is available for merchants incorporated in the United Kingdom, Gibraltar, the European Economic Area (EEA), and Singapore.
- Verify the recipient's card to make sure it is eligible to accept payouts and check whether it is enabled for Fast Funds.
- Get a foreign exchange rate quote if you're paying out in a currency that's different from the currency of your account.
You can send a payout using either:
- a token,
- a payment instrument, or
- the full card details.
There are three main types of Card Payout transaction:
Transaction type | Description | Sender 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.
Create a payout request with a token (the tokenized details of a payment card) as the destination.
Information
Tokens are single use and only have a 15-minute lifespan.
For a full list of optional and required fields, see our API reference.
post
https://api.checkout.com/payments
1{2"destination": {3"type": "token",4"token": "tok_ihvkileifkzebkgnhkskbglyte",5"first_name": "John",6"last_name": "Smith"7},8"amount": 1000,9"currency": "GBP",10"fund_transfer_type": "FD",11"reference": "ORD-5023-4E89"12}
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.
For a full list of optional and required fields, see our API reference.
post
https://api.checkout.com/payments
1{2"destination": {3"type": "id",4"id": "src_nxc36gtdwjtuxfeg2vsy722m4e",5"first_name": "John",6"last_name": "Smith"7},8"amount": 100,9"currency": "GBP",10"fund_transfer_type": "FD",11"reference": "ORD-5023-4E89"12}
Create a payout request using the full details of the payment card as the destination.
Note
In order to make a card payout using full card details, you need to be PCI compliant (SAQ-D).
Information
Payouts using full card details are not available by default. To enable this feature, please contact your Account Manager.
For a full list of optional and required fields, see our API reference.
post
https://api.checkout.com/payments
1{2"destination": {3"type": "card",4"number": "4242424242424242",5"expiry_month": 12,6"expiry_year": 2025,7"first_name": "John",8"last_name": "Smith"9},10"amount": 100,11"currency": "GBP",12"fund_transfer_type": "FD",13"reference": "ORD-5023-4E89"14}
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 Account Manager.
Note
Card payouts cannot be canceled.
1{2"id": "pay_wugo7nun52aetgpgnyzyzvghnu",3"status": "Pending",4"reference": "ORD-5023-4E89",5"customer": {6"id": "cus_37h52rohzyyerg74s7hd6yxsue"7},8"_links": {9"self": {10"href": "https://api.sandbox.checkout.com/payments/pay_wugo7nun52aetgpgnyzyzvghnu"11}12}13}
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.
Information
You can see a record of all your payouts in your statements and in the payouts report in the Hub.
Note
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 Account Manager.
1{2"id": "evt_hbnxegj3dqyu5fsd4p2b4bxvpa",3"type": "payment_paid",4"created_on": "2019-12-11T08:59:39Z",5"data": {6"action_id": "act_fgmhgzodurievpxbdzgl3ftxce",7"auth_code": "924041",8"response_code": "10000",9"response_summary": "Approved",10"amount": 115,11"metadata": {},12"destination": {13"id": "src_cdfv47bowvmezfdhjt7ibqrdxy",14"type": "card",15"expiry_month": 12,16"expiry_year": 2020,17"name": "John Smith",18"scheme": "Visa",19"last_4": "4242",20"fingerprint": "436d1eb12c4b92b9eeb1e798dea93a718c78f5362c7fb5d84b51c72a869b6101",21"bin": "424242",22"card_type": "Credit",23"card_category": "Consumer",24"issuer": "JPMORGAN CHASE BANK NA",25"issuer_country": "US",26"product_id": "A",27"product_type": "Visa Traditional",28"avs_check": "S",29"cvv_check": "Y"30},31"customer": {32"id": "cus_bv2khjtcah5uzimoi2qvniwnsm"33},34"id": "pay_fk234x52k6i4rmjmqnzx474fqi",35"currency": "DKK",36"processed_on": "2019-12-11T08:59:40Z",37"reference": "example payout"38},39"_links": {40"self": {41"href": "https://api.sandbox.checkout.com/events/evt_hbnxegj3dqyu5fsd4p2b4bxvpa"42},43"payment": {44"href": "https://api.sandbox.checkout.com/payments/pay_fk234x52k6i4rmjmqnzx474fqi"45}46}47}
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.
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