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.

Before you start

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.

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 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.

Payout request using a token

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.

Endpoints

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

post

https://api.checkout.com/payments

Request examples

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}

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

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}

Payout request using full card details

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 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

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}

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.

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}

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.

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 Customer Success Manager.

Webhook examples

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}

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 Type	Response Code	Description	Retry	Action
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

Card Payouts

Information

Before you start

Step 1: Make a payout request

Transaction types

Sender data

Payout request using a token

Information

Endpoints

Request examples

Payout request using a payment instrument

Endpoints

Request examples

Payout request using full card details

Note

Information

Endpoints

Request examples

Step 2: Handle the response

Note

Step 3: Check the outcome

Information

Note

Webhook examples

Response codes

Payout purpose values

On this page

We've made some changes to our API