Card Payouts
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:
- a token,
- a payment instrument, or
- the full card details.
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.
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.
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.
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