Transfer to bank card — [Archive] Payouts via YooMoney for Business

Transfer to bank card

This is an old version of the API. Switch to the YooMoney API.

If you make payouts from a business account, use the instructions in the article on payouts from a business account.

Using YooMoney for Business, you can make payouts to bank cards issued by Russian and foreign banks.

Чтобы сделать выплату, в запросе на зачисление перевода необходимо передать подтверждение принятия оферты, синоним банковской карты и персональные данные получателя выплаты.

Payout details

Bank card synonym

Receiving and storing bank card numbers is subject to the PCI DSS standard, so YooMoney stores card data on its side. In order to allow you to make payouts to cards, YooMoney provide them with:

card synonym skr_destinationCardSynonim — card’s ID in the YooMoney system;
card’s mask to be displayed to the user skr_destinationCardPanmask;
additional card parameters that have been defined during processing.

You can store this data on their side without the risk of leakage: publishing this information will not lead to any financial loss or image discrediting.

User’s personal details

Personal details must be sent in accordance with the legislation of the Russian Federation.

Passport information (full name, series, passport number and date of issue, date of birth, nationality) and phone number are required.

If the card is issued by a non-Russian bank or if the payout exceeds 15,000 rubles, additional data about the user’s place of residence must be provided. If the card is issued by a non-Russian bank, the payout amount will not affect the number of fields: you should always send an expanded set of details.

If you don’t send all the information, the money transfer request (makeDeposition) will return an error (error=48).

In addition to passport details, the recipient can specify other documents such as INN (TIN), SNILS, and the OMS insurance policy number. If something goes wrong during the standard personal data verification process, YooMoney will use this information to verify the payout recipient as an alternative.

Scenarios for making payouts to cards

You can collect data independently or using the YooMoney form.

Obtaining the bank card synonym and the user’s personal data independently

Чтобы провести выплаты с самостоятельным сбором данных получателя выплаты:

Obtain card synonym.
Embed a form for entering user’s personal details on your website and collect data.
Send a money transfer request (makeDeposition) containing the received synonym, user’s personal data, and confirmation of acceptance of the offer.

YooMoney will verify the personal details every time you send the makeDeposition request.

Obtaining a synonym and collecting personal data on YooMoney’s side

Чтобы провести выплаты со сбором данных получателя выплаты через форму ЮKassa:

Redirect the user to the YooMoney’s form for collecting bank card data and personal details and obtain the card synonym and user ID.
Send a money transfer request (makeDeposition) containing the data obtained in Step 1 as well as the confirmation of acceptance of the offer.

YooMoney will verify the personal details only during the obtaining process.

The guaranteed validity period of the user ID is 330 days. Once the user ID expires, you need to get a new one or collect personal data independently. If you specify an expired user ID in the makeDeposition request, YooMoney will return an error with the code 160.

Request parameters

This section describes only the parameters specific to transfers to bank card. Other parameters are shared by all types of funds deposition (makeDeposition) requests.

To make payouts to bank card, enter the value 25700130535186 in recipient’s dstAccount ID.

Enter payout recipient’s details in paymentParams.

Name of the paymentParams field	Type	Description
skr_destinationCardSynonim	xs:string, up to 50 characters	Synonym of the bank card number. Required parameter
pof_offerAccepted	xs:int, 1 character	Confirmation of the user’s acceptance of the terms (`1` — accepted). Required parameter
User information is required when collecting data using the YooMoney form
cps_ymAccount	xs:string, up to 25 characters	User ID in YooMoney. Same as the `accountNumber` parameter value received in response after user identification via the form
Personal details of the payout recipient are required when collecting data independently
pdr_lastName	xs:string, up to 50 Cyrillic characters	Last name
pdr_firstName	xs:string, up to 50 Cyrillic characters	First name
pdr_middleName	xs:string, up to 50 Cyrillic characters	Middle name. Required, if specified in the passport.
pdr_docNumber	xs:long, 10 characters	Passport series and number for a Russian citizen (without spaces).
pdr_docIssueDate	xs:string, 10 characters	Passport’s date of issue, in the `DD.MM.YYYY` format
smsPhoneNumber	xs:long, up to 15 characters	Phone number of the payout recipient in international format (`79…`).
pdr_birthDate	xs:string, 10 characters	Date of birth in the format `DD.MM.YYYY`
pdr_country	xs:int, 3 digits	Nationality. Specified as a numeric country code (`643` for Russian Federation)
pdr_oms	xs:int, up to 16 characters	OMS insurance policy number. Example: `12345678901234` Optional parameter
pdr_snils	xs:int, up to 14 characters	Payout recipient's SNILS (digits only, no spaces). Example: `12345678901` Optional parameter
pdr_inn	xs:int, up to 12 characters	Payout recipient's INN. Example: `123456789012` Optional parameter
Additional personal information (if the payout exceeds 15,000 rubles or if the card was issued by a non-Russian bank) is required when collecting data independently
pdr_city	xs:string, up to 30 Cyrillic characters	Payout recipient’s city
pdr_address	xs:string, up to 100 Cyrillic characters	Payout recipient’s address
pdr_postcode	xs:long, 6 characters	Postal code

Request examples

Example of a request for funds deposit to bank card (reduced set of fields)

XML
<makeDepositionRequest
  requestDT="2019-06-21T14:13:37.965Z"
  contract="Перевод денег на банковскую карту"
  amount="15000.00"
  agentId="12345"
  clientOrderId="payouts-110_1561126417933"
  dstAccount="25700130535186"
  currency="643">
  <paymentParams>
    <skr_destinationCardSynonim>oALesdd_h_YT6pzpJ10Kn5aB.SC.000.201906</skr_destinationCardSynonim>
    <pof_offerAccepted>1</pof_offerAccepted>
    <smsPhoneNumber>79818932328</smsPhoneNumber>
    <pdr_firstName>Эдуард</pdr_firstName>
    <pdr_lastName>Запеканкин</pdr_lastName>
    <pdr_docNumber>1013123456</pdr_docNumber>
    <pdr_docIssueDate>10.10.2013</pdr_docIssueDate>
    <pdr_inn>12345678912</pdr_inn>
    <pdr_country>643</pdr_country>
    <pdr_birthDate>31.10.1973</pdr_birthDate>
  </paymentParams>
</makeDepositionRequest>

Example of a request for funds deposit to bank card (full set of fields)

XML
<makeDepositionRequest
  requestDT="2019-06-21T14:17:29.578Z"
  contract="Перевод денег на банковскую карту"
  amount="20000.00"
  agentId="12345"
  clientOrderId="payouts-110_1561126649528"
  dstAccount="25700130535186"
  currency="643">
  <paymentParams>
    <skr_destinationCardSynonim>3lSdWL0Yf9DHRd2r4LAbyhfV.SC.000.201906</skr_destinationCardSynonim>
    <pof_offerAccepted>1</pof_offerAccepted>
    <smsPhoneNumber>79818932328</smsPhoneNumber>
    <pdr_firstName>Эдуард</pdr_firstName>
    <pdr_lastName>Запеканкин</pdr_lastName>
    <pdr_docIssueDate>10.10.2013</pdr_docIssueDate>
    <pdr_inn>12345678912</pdr_inn>
    <pdr_phoneNumber>79111471111</pdr_phoneNumber>
    <pdr_postcode>701152</pdr_postcode>
    <pdr_country>643</pdr_country>
    <pdr_city>Санкт-Петербург</pdr_city>
    <pdr_address>Невский проспект, д 1, к 2, кв 1</pdr_address>
    <pdr_birthDate>22.07.1967</pdr_birthDate>
  </paymentParams>
</makeDepositionRequest>

Example of a request for funds deposit to bank card (collection of data on the YooMoney’s side)

XML
<makeDepositionRequest
  agentId="200200"
  clientOrderId="db6c3eaf9ffc0d8933490ed1"
  requestDT="2018-12-01T00:00:01+03:00"
  dstAccount="25700130535186"
  amount="100.00"
  currency="643"
  contract="Перевод денег на банковскую карту">
  <paymentParams>
    <skr_destinationCardSynonim>2OHSXN6QG-vGPX8WHtOciU86.SC.000.201906</skr_destinationCardSynonim>
    <pof_offerAccepted>1</pof_offerAccepted>
    <cps_ymAccount>4100322815079</cps_ymAccount>
  </paymentParams>
</makeDepositionRequest>

Response

If an error occurs when executing a transfer to a bank card (error=48), the YooMoney response may contain additional explanatory text (techMessage):

notRegistrationRecord — missing required parameters (pdr_). The missing fields are listed additionally.
Банк отклонил перевод денег на данную карту — the bank declined to transfer funds to this card.
Банк отклонил операцию — the bank declined the operation.
Превышен лимит операций — exceeded the limit on operations.
Паспортные данные не прошли проверку — passport information didn’t pass verification.

Example of an error message

XML
<makeDepositionResponse
  clientOrderId="payouts-110_1561103462999"
  status="3"
  error="48"
  processedDT="2019-06-21T10:51:04.089+03:00"
  techMessage="Не заданы или неверно заданы поля: pdr_docIssueDate"
/>