Create Payout

Create a payout to a card or via SBP.

Endpoint

POST /v1/payouts

Request Signature

The request is signed the same way as for payments: HMAC-SHA1 over the string {METHOD}{URL}{BODY}, encoded in Base64 and passed in the X-Signature header. The signing key is the merchant's Secret Key (shared across all terminals).

{METHOD}{URL}{BODY}

• METHOD — HTTP method (POST)
• URL — full request URL (https://api.bopay.io/v1/payouts)
• BODY — request body as JSON

Example string to sign:

POSThttps://api.bopay.io/v1/payouts{"ext_id":"payout_001","amount":5000,"method":"card","requisites":"4276123456781234","holder_name":"John Doe","bank":"sberbank"}

See Authorization for signing code examples (JavaScript, Python, PHP).

Request Parameters

Parameter	Type	Required	Description
ext_id	string	Yes	Unique payout ID in your system
amount	number	Yes	Payout amount in RUB
method	string	Yes	Method: card or sbp
requisites	string	Yes	Card or phone number
holder_name	string	Yes	Recipient full name
bank	string	Yes	Recipient bank code
notify_url	string	No	URL for webhook

Card Payout Example

curl -X POST https://api.bopay.io/v1/payouts \
  -H "Content-Type: application/json" \
  -H "X-Identity: your-api-key" \
  -H "X-Signature: your-signature" \
  -d '{
    "ext_id": "payout_001",
    "amount": 5000,
    "method": "card",
    "requisites": "4276123456781234",
    "holder_name": "Ivan Ivanov"
  }'

SBP Payout Example

curl -X POST https://api.bopay.io/v1/payouts \
  -H "Content-Type: application/json" \
  -H "X-Identity: your-api-key" \
  -H "X-Signature: your-signature" \
  -d '{
    "ext_id": "payout_002",
    "amount": 3000,
    "method": "sbp",
    "requisites": "+79001234567",
    "holder_name": "Petr Petrov",
    "bank": "tinkoff"
  }'

Response

{
  "id": "550e8400-e29b-41d4-a716-446655440000",
  "ext_id": "payout_001",
  "amount": 5000,
  "currency": "RUB",
  "method": "card",
  "requisites": "4276123456781234",
  "holder_name": "Ivan Ivanov",
  "bank": "",
  "status": "pending",
  "created_at": "2026-01-30T12:45:00Z"
}

Response Fields

Field	Type	Description
id	string	Payout ID (UUID)
ext_id	string	Your payout ID
amount	number	Amount
currency	string	Currency (RUB)
method	string	Method: card or sbp
requisites	string	Requisites
holder_name	string	Recipient full name
bank	string	Bank code
status	string	Status
created_at	string	Creation time (ISO 8601)
completed_at	string	Completion time

Payout Statuses

Status	Description
pending	Awaiting processing
processing	In progress
completed	Successful
failed	Error
cancelled	Cancelled

Errors

Code	HTTP	Description
PAY_002	400	Invalid parameters
PAY_003	409	Payout with this ext_id already exists
SYS_001	500	Internal error