Payouts to bank accounts in SEPA

General information

Interaction diagram

Payment processing by using the Payouts to bank accounts in SEPA payment method requires merchant's web service, one of ecommpay interfaces, and the ecommpay payment platform, as well as the technical facilities of the provider.

Operations support

* Amount limits and processing times depend on banks.

** The basic and threshold times are defined as follows:

• The basic time is the average estimated time between the moment a payment is initiated in the payment platform to the moment the payment result is sent to the initiator. The basic time evaluation is made on the assumption of normal operation of all technical facilities and communication channels and typical customer behaviour (if any input from customer is required). Use the basic time to estimate when to react to the absence of payment result notifications or when to check payment status.
• The threshold time is the maximum possible time between the moment a payment is initiated in the payment platform to the moment the initiator receives the callback with the payment result. A payment is automatically declined, if its waiting time exceeds the threshold time. For individual setting of the threshold time limit, contact ecommpay technical support.

Processing scenarios

In the Payouts to bank accounts in SEPA method to initiate a payout, you need to notify customer via merchant's web service.

Figure: Payout by using Gate

General information

To perform a payout through the Payouts to bank accounts in SEPA method, merchant's web service sends a request with all the required parameters and signature to ecommpay URL, and receives a callback with the payment result. The full sequence of the payout process is provided below.

The sections that follow discuss in more details the request format and the Gate parameters to use in the Payouts to bank accounts in SEPA payment method and provide the information on the format of callbacks with payout results.

Request format

1. You send payout requests by sending the /v2/payment/bank-transfer/world/payout request by using HTTP method POST. This request refers to the bank transfer requests group: /v2/payment/bank-transfer/{payment_method}/payout
2. The following objects and parameters must be specified in any request:
   • Object general—general payout information:
     • project_id—project identifier
     • payment_id—unique payout identifier
     • signature—signature created after you specify all the required parameters. For more information about signature generation, see Signature generation and verification
   • Object customer—recipient information:
     • id—identifier
     • ip_address—IP address
     • first_name—full name of the recipient or name of the company
   • Object account—recipient account information:
     • number—recipient bank account number (IBAN)
   • Object payment—payout information:
     • amount—payout amount
     • currency—payout currency in the ISO-4217 alpha-3 format
     • description—payout description
3. If required, you can also add any other additional parameters Gate supports.

Thus, a correct payment request in the Payouts to bank accounts in SEPA method must include project and payment IDs, recipient and account information, currency and amount of the payout, as shown in the following example:

 {
  "general": {
    "project_id": 3027,
    "payment_id": "payout1",
    "signature": "M1vT4q9c8hA8xCjEwGFSANI+9XAaq7/Jkn+aJmGA4jH6bgBOp8DTf8d/XdoV+vd7Q=="
  },
   "customer": {
     "id": "customer1",
     "ip_address_": "1.2.3.4",
     "first_name": "John Doe"
  },
   "account": {
     "number": "FI1410093000123458"
  },
   "payment": {
     "amount": 10000,
     "currency": "EUR",
     "description": "test payout"
  }
}

Callback format

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

The following is the example of a callback with an information about successful 211.00 EUR payout made in the 4990 project.

{
        "project_id": 4990,
        "payment": {
            "id": "53923_33600681",
            "type": "payout",
            "status": "success",
            "date": "2021-02-22T13:39:45+0000",
            "method": "world",
            "sum": {
                "amount": 21100,
                "currency": "EUR"
            },
            "description": "test description"
        },
        "account": {
            "number": "123456"
        },
        "customer": {
            "id": "customer1"
        },
        "operation": {
            "id": 6325000000075,
            "type": "payout",
            "status": "success",
            "date": "2021-02-22T13:39:45+0000",
            "created_date": "2021-02-22T13:39:23+0000",
            "request_id": "9a9c4985044f5927dae77daac4b8e488b2-00006326",
            "sum_initial": {
                "amount": 21100,
                "currency": "EUR"
            },
            "sum_converted": {
                "amount": 21100,
                "currency": "EUR"
            },
            "code": "0",
            "message": "Success",
            "provider": {
                "id": 2945,
                "payment_id": "j29vEXRSAd",
                "auth_code": ""
            }
        },
        "signature": "7bxR3Ssoemv3o5mpabmg529+/NkpdYPLMN1sBw=="
    }

The following is the example of a callback for a declined payout.

{
        "project_id": 4990,
        "payment": {
            "id": "21571027",
            "type": "payout",
            "status": "decline",
            "date": "2021-02-22T13:30:44+0000",
            "method": "world",
            "sum": {
                "amount": 30400,
                "currency": "EUR"
            },
            "description": "test description"
        },
        "account": {
            "number": "1234567"
        },
        "customer": {
            "id": "customer2"
        },
        "operation": {
            "id": 9698000000069,
            "type": "payout",
            "status": "decline",
            "date": "2021-02-22T13:30:44+0000",
            "created_date": "2021-02-22T13:30:23+0000",
            "request_id": "3c6027f04491e63df2d67f755e3b45f64-00009699",
            "sum_initial": {
                "amount": 30400,
                "currency": "EUR"
            },
            "sum_converted": {
                "amount": 30400,
                "currency": "EUR"
            },
            "code": "20000",
            "message": "General decline",
            "provider": {
                "id": 2945,
                "payment_id": "j29KmZH29J",
                "auth_code": ""
            }
        },
        "signature": "KTCGrXiG/cQzANBw2s730kE6toB+EDa619tqB9qQeg=="
    }

Related topics

The following topics might be useful when implementing payments through Gate:

• Interaction models
• Signature generation and verification
• Payment models and statuses
• Information of operations performing

As with other payment methods ecommpay offers, when using the Payouts to bank accounts in SEPA method, you have several options to analyse the information about payments and operations performed by using the method—alone or in conjunction with other methods.

You can load and analyse all the necessary information in Dashboard, for instance you can use the analytic panels on the Analytics tab to this end.

Also, you can export the information for further analysis by using third party analytical tools. The following options are available:

• Dashboard allows you to download reports in CSV and XLS formats—by using the tools on the Payments tab. You can perform export as a one-time download to your local computer or have payment data regularly exported and delivered to email addresses you specify.
• Data API allows you to have payment information exported in JSON format and delivered to a URL you specify. The payment information is exported by using the /operations/get queries.

If you have any further questions regarding payment data analysis, contact ecommpay technical support.