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    Request a card payout
    • 21 Feb 2025
    • 1 Minute to read
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    Request a card payout

    • Updated on 21 Feb 2025
    • 1 Minute to read
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    Article summary

    Card Payouts, also referred to as OCTs, facilitates the transfer of funds to cardholders. Unlike refunds, where the reimbursed amount is limited to the payment amount, OCTs permit payouts for any specified amount.

    Availability of Card Payouts

    Some rare acquirers may not support payouts, please verify this by checking the acquirer specifications here.

    You can request the card payout using the PSP ID of the original token or CardToken. If you are PCI Compliant (SAQ-D) you can also request a card payout using full card details.

    Warning
    • Card payouts cannot be cancelled once they have been requested.
    • Ensure the account linked to your MID has sufficient balance to perform the payout.

    Request a payout using a PSP ID

    Endpoint

    POST /api/directconnect/execute Try it here


    Sample Request

    {
"TransactionType": "ORIGINALCREDIT",
"Amount": 1,
"Currency": "EUR",
"OrderReference": "123456",
"PspId":"123456",
"UniqueReference": "4b8da4f0-d3b4-44ae-8019-8c66905ffad7",
},
"Client": {
"ClientAccount": "Account12345",
"FirstName": "John",
"LastName": "Doe",
"Email": "test@mailinator.com",
"City": "Valletta",
"IPAddress": "127.0.0.1"
},
"Routing": {
"ForceBank": "BOVPAYON"
},
"RedirectionURL": "https://www.yourURLhere.com/Redirect/",
"CallBackURL": "https:/https://www.yourURLhere.com/Listener",
"IsTest": true
}

    Sample Response

    {
"PspId": 738220,
"BankResponse": "Processed",
"BankAccept": true,
"CardToken": null,
"RedirectUrl": null,
"IsSuccess": true,
"ErrorMessage": null
}

    Request a payout using a Card Token

    Endpoint

    POST /api/directconnect/execute Try it here


    Sample Request

    {
"TransactionType": "ORIGINALCREDIT",
"Amount": 1,
"Currency": "EUR",
"OrderReference": "123456",
"UniqueReference": "4b8da4f0-d3b4-44ae-8019-8c66905ffad7",
"PaymentDestination":{
"PaymentMethod":"CardToken",
"CardToken":"9705594a-365d-4157-84a8-5af04bbb8507"
},
"Client": {
"ClientAccount": "Account12345",
"FirstName": "John",
"LastName": "Doe",
"Email": "test@mailinator.com",
"City": "Valletta",
"IPAddress": "127.0.0.1"
},
"Routing": {
"ForceBank": "BOVPAYON"
},
"RedirectionURL": "https://www.yourURLhere.com/Redirect/",
"CallBackURL": "https:/https://www.yourURLhere.com/Listener",
"IsTest": true
}

    Sample Response

    {
"PspId": 353453,
"BankResponse": "Processed",
"BankAccept": true,
"CardToken": null,
"RedirectUrl": null,
"IsSuccess": true,
"ErrorMessage": null
}

    Request a payout using a full card details

    PCI Compliance

    If you achieve SAQ D PCI certification, you can utilize the following endpoint to request an authorisation.

    For those without this level of PCI certification, we recommend using our hosted payment page. This will shift the PCI responsibilities to us.

    Endpoint

    POST /api/directconnect/execute Try it here


    Sample Request

    {
"TransactionType": "ORIGINALCREDIT",
"Amount": "1",
"Currency": "EUR",
"OrderReference": "123456",
"UniqueReference": "4b8da4f0-d3b4-44ae-8019-8c66905ffad7",
"PaymentCredentials": {
"PaymentSource": "Card",
"CardNumber": "5351772561457936",
"CvV2": "483",
"ExpMonth": "05",
"ExpYear": "2029",
"CardHolderName": "JOE DOE"
},
"Client": {
"ClientAccount": "Acc2923",
"FirstName": "John",
"LastName": "Doe",
"Email": "test@mailinator.com",
"City": "Valletta",
"IPAddress": "127.0.0.1"
},
"Routing": {
"ForceBank": "PAYPRIMOCARDS"
},
"RedirectionURL": "https://www.yourURLhere.com/Redirect/",
"CallBackURL": "https:/https://www.yourURLhere.com/Listener",
"IsTest": true
}

    Sample Response

    {
"PspId": 35343,
"BankResponse": "Processed",
"BankAccept": true,
"CardToken": null,
"RedirectUrl": null,
"IsSuccess": true,
"ErrorMessage": null
}
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