---
title: "Request a card payout"
slug: "request-a-card-payout"
updated: 2025-02-21T10:52:56Z
published: 2025-02-21T10:52:56Z
canonical: "docs.apcopay.com/request-a-card-payout"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.apcopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Request a card payout

**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](/v1/docs/acquirers).

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](/v1/docs/request-a-card-payout#request-a-payout-using-a-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](https://apcopay.redoc.ly/#operation/PaymentOperationAUTHPURC)
      

      

  

**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](https://apcopay.redoc.ly/#operation/PaymentOperationAUTHPURC)
      

      

  

**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](/v1/docs/accept-a-payment-on-a-hosted-payment). This will shift the PCI responsibilities to us.

**Endpoint**

    **POST**
    **/api/directconnect/execute**
    [Try it here](https://apcopay.redoc.ly/#operation/PaymentOperationAUTHPURC)
      

      

  

**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
}
```