Pay out to a card

With this feature, you can send money to your customers within minutes instead of days. Using Visa Direct and Mastercard Moneysend, you can handle disbursements onto cards directly.

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Payouts to card are only available for merchants based in the EEA region and can be enabled for Mastercard and Visa. If you'd like to start using this feature, please contact your customer success manager to assess your eligibility.

Overview

Payment request

You can send a payout using:

• a token
• a card's source ID
• full card details

You'll be able to view your consolidated card payouts on your statements and in the payouts report on the Hub.

Sender data

If you are sending a transaction on behalf of another person or business, you must also include information about the sender of the transaction in your payment request (sender data). The detailed sender data requirements for Visa and Mastercard are listed here.

Card verification

Not all issuers accept Pay to Card transactions. We recommend performing a card verification before sending a payout to a card for the first time, in order to verify a cardholder's payment information.

Whether funds will be available to the cardholder within minutes or in 1-2 days is dependant on whether their issuing bank accepts Fast Funds. While this is widespread in the EEA region, this cannot always be guaranteed.

Card verification response

In the card verification response, we indicate two items:

• whether the card is eligible for payouts ("source.payouts": true)
• whether the card is eligible for Fast Funds (source.fast_funds).

Fast Funds means the funds will be deposited in the recipient’s account within 30 minutes. If a card is not eligible for Fast Funds, the funds will be deposited within 48 hours.

The possible values for source.fast_funds are the following:

• d: domestic
• c: cross-border
• dc: domestic and cross-border
• u: unsupported

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In order to see payouts eligibility and fast funds eligibility in a response, please use this test card only: 4242424242424242.

Using a token

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Tokens are single use and only have a 15-minute lifespan.

Use the details below to set up your request.

Endpoints

Live

POSThttps://api.checkout.com/payments

Sandbox

POSThttps://api.sandbox.checkout.com/payments

Header parameters

Body parameters

The table below describes the minimum recommended fields when making a payout using a payment source.

Request example

{
  "destination": {
    "type": "token",
    "token": "tok_ihvkileifkzebkgnhkskbglyte",
    "first_name" : "John",
    "last_name" : "Smith"
  },
  "amount": 1000,
  "currency": "USD",
  "fund_transfer_type": "AA",
  "reference": "ORD-5023-4E89"
}

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Please note:
If you are sending funds on behalf of another person or business, you may need to include sender data with your payment request. Please check this page to understand if this is required.

The response

Use the payment_paid and payment_declined webhooks to find out the final result of the payout.

{
  "id": "pay_wugo7nun52aetgpgnyzyzvghnu",
  "status": "Pending",
  "reference": "ORD-5023-4E89",
  "customer": {
    "id": "cus_37h52rohzyyerg74s7hd6yxsue"
  },
  "_links": {
    "self": {
      "href": "https://api.sandbox.checkout.com/payments/pay_wugo7nun52aetgpgnyzyzvghnu"
    }
  }
}

Using source ID

After your customer makes an initial order, we securely store the card information and return to you a source identifier (id). This unique ID replaces the card number in all future payments, removing the need to exchange sensitive payment information.

Use the details below to set up your request.

Endpoints

Live

POSThttps://api.checkout.com/payments

Sandbox

POSThttps://api.sandbox.checkout.com/payments

Header parameters

Body parameters

The table below describes the minimum recommended fields when making a payout using a payment source.

Request example

{
  "destination": {
    "type": "id",
    "id": "src_nxc36gtdwjtuxfeg2vsy722m4e",
    "first_name": "John",
    "last_name": "Smith"
  },
  "amount": 100,
  "currency": "USD",
  "fund_transfer_type": "AA",
  "reference": "ORD-5023-4E89"
}

📘

Please note:
If you are sending funds on behalf of another person or business, you may need to include sender data with your payment request. Please check this page to understand if this is required.

The response

Use the payment_paid and payment_declined webhooks to find out the final result of the payout.

{
  "id": "pay_wugo7nun52aetgpgnyzyzvghnu",
  "status": "Pending",
  "reference": "ORD-5023-4E89",
  "customer": {
    "id": "cus_37h52rohzyyerg74s7hd6yxsue"
  },
  "_links": {
    "self": {
      "href": "https://api.sandbox.checkout.com/payments/pay_wugo7nun52aetgpgnyzyzvghnu"
    }
  }
}

Using full card details

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In order to make a payout using full card details, you need to be PCI compliant (SAQ-D). Find out more.

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Payouts using full card details are not made available by default. To use these endpoints, please contact your customer success manager.

Use the details below to set up your request.

Endpoints

Live

POSThttps://api.checkout.com/payments

Sandbox

POSThttps://api.sandbox.checkout.com/payments

Header parameters

Body parameters

The table below describes the minimum recommended fields when making a payout using a payment source.

Request example

{
  "destination": {
    "type": "card",
    "number": "4242424242424242",
    "expiry_month": 12,
    "expiry_year": 2025,
    "first_name": "John",
    "last_name": "Smith",
  },
  "amount": 100,
  "currency": "USD",
  "fund_transfer_type": "AA",
  "reference": "ORD-5023-4E89"
}

📘

Please note:
If you are sending funds on behalf of another person or business, you may need to include sender data with your payment request. Please check this page to understand if this is required.

The response

Use the payment_paid and payment_declined webhooks to find out the final result of the payout.

{
  "id": "pay_wugo7nun52aetgpgnyzyzvghnu",
  "status": "Pending",
  "reference": "ORD-5023-4E89",
  "customer": {
    "id": "cus_37h52rohzyyerg74s7hd6yxsue"
  },
  "_links": {
    "self": {
      "href": "https://api.sandbox.checkout.com/payments/pay_wugo7nun52aetgpgnyzyzvghnu"
    }
  }
}

Can we help?

Thanks for using Checkout.com. If you need any help or support, then message our support team at [email protected].