Payouts to bank accounts

Introduction

Payouts to bank accounts is a payment method which allows you to process payments in Kyrgyz som by using bank accounts in Kyrgyzstan. This method supports payouts.

This article provides information about working with the Payouts to bank accounts method: general insights are presented in the Overview section, while information about the actions required to process payments and perform other actions is presented in the sections that follow.

General information

Interaction diagram

Payment processing by using the Payouts to bank accounts method involves the merchant's web service, one of Flashpay interfaces, the Flashpay payment platform, and technical facilities of the provider service.

Operations support

Various platform interfaces can be used to process payments and perform operations using the Payouts to bank accounts method. Payouts can be processed by using Gate and Dashboard. At the same time, regardless of the interfaces used, the following properties and limitations are applicable.

The following properties and limitations apply to the Payouts to bank accounts method.

Processing scenarios

To perform a payout by using the Payouts to bank accounts method you need to notify the customer via the web service.

General information

To process a payout through Gate by using the Payouts to bank accounts method, send a request with all required parameters and signature to the Flashpay URL and receive a callback with the result. The full sequence and special aspects of payout processing are provided below.

Information about the formats of requests and callbacks used for processing payouts by using the Payouts to bank accounts method via Gate is presented further in this section. General information about working with the Gate API is presented in Interaction concepts.

Request format

There are several things you need to consider when sending payout requests by using the Payouts to bank accounts method:

1. To initiate each payout send a separate POST request to the /v2/payment/bank-transfer/kyrgyzstan/payout endpoint. It belongs to the group /v2/payment/bank-transfer/{payment_method}/payout.
2. Each request must include the following objects and parameters:
   • Object general—general payout information:
     • project_id—project identifier obtained from Flashpay during integration
     • payment_id—payment identifier unique within the project
     • signature—request signature generated after all required parameters are specified (details—in the Signature generation and verification) details
   • Object payment—payment information:
     • amount—payout amount in the smallest currency unit
     • currency—payout currency code in the ISO-4217 alpha-3 format
   • Object customer—customer information:
     • id—customer identifier unique within the project
     • ip_address—customer IP address relevant for the initiated payout
   • Object account—account information:
     • number—account number
3. Additionally, any other parameters included in the specification can be used.

Thus, a correct payout request by using the Payouts to bank accounts method must contain the project identifier, basic payment information (identifier, amount, and currency code), customer identifier and IP address, as well as account number and signature.

{
  "general": {
    "project_id": 210,
    "payment_id": "test_payment",
    "signature": "PJkV8ej\/UG0Di8hTng6JvipTv+AWoXW\/9MTO8yJA=="
  },
  "payment": {
    "amount": 100000,
    "currency": "KGS"
  },
  "customer": {
    "id": "customer123",
    "ip_address": "192.0.2.0"
  },
  "account": {
    "number": "00004598"
  }
}

{
  "general": {
    "project_id": 210,
    "payment_id": "test_payment",
    "signature": "PJkV8ej\/UG0Di8hTng6JvipTv+AWoXW\/9MTO8yJA=="
  },
  "payment": {
    "amount": 100000,
    "currency": "KGS"
  },
  "customer": {
    "id": "customer123",
    "ip_address": "192.0.2.0"
  },
  "account": {
    "number": "00004598"
  }
}

Callback format

The Payouts to bank accounts method uses the standard format for callbacks to deliver payout results. For more information, see Handling callbacks.

The following is the example of a callback with information about a 1,000.00 KGS payout made in the 438385 project.

{
        "project_id": 438385,
        "payment": {
            "id": "ORDER_ID_155930150",
            "type": "payout",
            "status": "success",
            "date": "2025-02-13T14:59:31+0000",
            "method": "Bank transfer Kyrgyzstan",
            "sum": {
                "amount": 100000,
                "currency": "KGS"
            },
            "description": ""
        },
        "account": {
            "number": "ACC123******6789"
        },
        "customer": {
            "id": "123"
        },
        "decision": {
            "message": "T"
        },
        "operation": {
            "id": 214,
            "type": "payout",
            "status": "success",
            "date": "2025-02-13T14:59:31+0000",
            "created_date": "2025-02-13T14:59:24+0000",
            "request_id": "2fbe5a03094681-00000001",
            "sum_initial": {
                "amount": 10000,
                "currency": "KGS"
            },
            "sum_converted": {
                "amount": 10000,
                "currency": "KGS"
            },
            "code": "0",
            "message": "Success",
            "provider": {
                "id": 21432,
                "payment_id": "",
                "auth_code": ""
            }
        },
        "signature": "naH9t19ESBJadlkhz7MLi99exrbg=="
    }

The following is the example of a callback with information about a declined payout.

 {
        "project_id": 438385,
        "payment": {
            "id": "ORDER_ID_232580020",
            "type": "payout",
            "status": "decline",
            "date": "2025-02-13T15:01:12+0000",
            "method": "Bank transfer Kyrgyzstan",
            "sum": {
                "amount": 33200,
                "currency": "KGS"
            },
            "description": ""
        },
        "account": {
            "number": "ACC123******6789"
        },
        "customer": {
            "id": "123"
        },
        "decision": {
            "message": "T"
        },
        "operation": {
            "id": 223,
            "type": "payout",
            "status": "decline",
            "date": "2025-02-13T15:01:12+0000",
            "created_date": "2025-02-13T15:01:05+0000",
            "request_id": "f9b853dc27f53e51f5d1-00000001",
            "sum_initial": {
                "amount": 33200,
                "currency": "KGS"
            },
            "sum_converted": {
                "amount": 33200,
                "currency": "KGS"
            },
            "code": "20000",
            "message": "General decline",
            "provider": {
                "id": 21432,
                "payment_id": "",
                "auth_code": ""
            }
        },
        "signature": "xvIMiPnXQ7UiAnXBfKWUWqsDvianX8ax1g=="
    }

Useful links

The following articles can be useful when implementing payouts via Gate:

• Quickstart and Interaction concepts—how to organise interaction with the payment platform by using Gate
• Signature generation and verification—about the procedure of creating and verifying signatures in requests and callbacks.
• Payment processing—about the types, processing models, and possible statuses of supported payments and operations.
• Payout—about processing of payouts by using Gate.
• Handling operation processing information—about error and response codes that are used in the payment platform to record information about performing of operations.