Payouts to Cards

With RazorpayX, you can make payouts directly to a credit card. The process of making a payout to a credit card is the same as normal payouts.

Step 1: Create a contact.

Step 2: Create a fund account with the contact's credit card details. PCI DSS Compliance:
The API endpoint to create a fund account with the contact's credit card details is different for PCI DSS Compliant and PCI DSS non-compliant merchants. Ensure you use the correct endpoint.

Step 3: Create a payout to the fund account linked to the contact's credit card.

Feature Available on Request:
This feature is not available by default. To enable this feature, raise a request using the support form on the RazorpayX Dashboard.

Supported Banks and Payout Modes#

Learn which banks support payouts to cards.

Create a Contact#

Use the below endpoint to create a contact.

/contacts

Note:

A new contact is created if any combination of the following details is unique: name, email, contact, type and reference_id.
If all the above details match the details of an existing contact, the API returns details of the existing contact.
Use the Update Contact API if you want to make changes to an existing contact.

 Example Request Response
Copycurl -u <YOUR_KEY>:<YOUR_SECRET> \
-X POST https://api.razorpay.com/v1/contacts \
-H "Content-Type: application/json" \
-d '{
  "name":"Gaurav Kumar",
  "email":"gaurav.kumar@example.com",
  "contact":"9123456789",
  "type":"employee",
  "reference_id":"Acme Contact ID 12345",
  "notes":{
    "notes_key_1":"Tea, Earl Grey, Hot",
    "notes_key_2":"Tea, Earl Grey… decaf."
  }
}'
Copy{
  "id": "cont_00000000000001",
  "entity": "contact",
  "name": "Gaurav Kumar",
  "contact": "9123456789",
  "email": "gaurav.kumar@example.com",
  "type": "employee",
  "reference_id": "Acme Contact ID 12345",
  "batch_id": null,
  "active": true,
  "notes": {
    "notes_key_1": "Tea, Earl Grey, Hot",
    "notes_key_2": "Tea, Earl Grey… decaf."
  },
  "created_at": 1545320320
}

Request Parameters#

namemandatory

string The contact's name. This field is case sensitive. Minimum 3 characters. Maximum 50 characters. Supported characters: a-z, A-Z, 0-9, space, ’ , - , _ , / , ( , ) and , .. For example, Gaurav Kumar.

emailoptional

string The contact's email address. For example, gaurav.kumar@example.com.

contactoptional

string The contact's phone number. For example, 9123456789.

typeoptional

string Maximum 40 characters. Classification for the contact being created. For example, employee. The following classifications are available by default:

vendor
customer
employee
self

Additional classifications:
Additional classifications can be created via the Dashboard and then used in APIs. It is not possible to create new classifications via the API.

reference_idoptional

string Maximum 40 characters. A user-generated reference given to the contact. For example, Acme Contact ID 12345.

notesoptional

object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

Response Parameters#

id

string The unique identifier linked to the contact. For example, cont_00000000000001.

entity

string The entity being created. Here, it will be contact.

name

string The contact's name. For example, Gaurav Kumar.

contact

string The contact's phone number. For example, 9123456789.

email

string The contact's email address. For example, gaurav.kumar@example.com.

type

string A classification for the contact being created. For example, employee.

reference_id

string A user-generated reference given to the contact. For example, Acme Contact ID 12345.

batch_id

string This parameter is populated if the contact was created as part of a bulk upload. For example, batch_00000000000001.

active

boolean Possible values:

true (default) = active
false = inactive

notes

object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

created_at

integer Timestamp, in Unix, when the contact was created. For example, 1545320320.

Create a Fund Account for a Contact's Card#

PCI DSS Compliant Merchants#

If you are PCI DSS compliant, use the below API endpoint to create a fund account for the contact's card.

/fund_accounts

Note:

A new fund account is created if any combination of the following details is unique: contact_id, card.name and card.number.
If all the above details match the details of an existing fund account, the API returns details of the existing fund account.
You cannot edit the details of a fund account.

 Example Request Response
Copycurl -u <YOUR_KEY>:<YOUR_SECRET> \
-X POST https://api.razorpay.com/v1/fund_accounts \
-H "Content-Type: application/json" \
-d '{
  "contact_id": "cont_00000000000001",
  "account_type": "card",
  "card": {
    "number": "765432123456789",
    "name": "Gaurav Kumar"
  }
}'
Copy{
  "id" : "fa_00000000000001",
  "entity": "fund_account",
  "contact_id" : "cont_00000000000001",
  "account_type": "card",
  "card": {
    "name": "Gaurav Kumar",
    "last4": "6789",
    "network": "Visa",
    "type": "credit",
    "issuer": "HDFC"
  },
  "active": true,
  "batch_id": null,
  "created_at": 1543650891
}

Request Parameters#

contact_idmandatory

string This is the unique identifier linked to a contact. For example, cont_00000000000001.

account_typemandatory

string The fund account type you want to link to the contact ID. Here it is card.

card

Details of the credit card.

numbermandatory: string The 16 digit beneficiary credit card number. For example, 765432123456789.
nameoptional: string Credit card holder's name. Maximum 100 characters. Supported characters: a-z, A-Z, 0-9, space, - , . and '. The credit card holder's name. For example,Gaurav Kumar.

Request Parameters#

id

string The unique identifier linked to the fund account. For example, fa_00000000000001.

entity

string Here, it will be fund_account.

contact_id

string The unique identifier linked to the contact. For example, cont_00000000000001.

account_type

string The fund account type being created. Here, it will be card.

card

Details of the credit card used to create the fund account.

name: string The credit card holder's name. For example,Gaurav Kumar.
last4: string The last four digits of the credit card. For example, 0001.
network: string The credit card issuing network. Possible values are:

Visa
Mastercard
American Express
Diners Club

type: string The card type. Currently, this can only be credit.
issuer: string The name of bank that issued the card. For example, HDFC. Refer to the Supported Banks and Payout Modes section for more details.

active

boolean The status of the fund account. Possible values:

true (default) = active
false = inactive

batch_id

string This parameter is populated if you created this contact as part of a bulk upload. For example, batch_00000000000001.

created_at

integer Timestamp, in Unix, when the contact was created. For example, 1545320320.

PCI DSS Non-Compliant Merchants#

If you are not PCI DSS compliant:

You cannot save a contact's card details on your server.
You cannot make a private API call to create a fund account for the contact's card. You have to make a public API call.

Important:
Since this is a public API, ensure you store the fund_account_id returned by Razorpay in your database and make payouts only to fund account IDs you recognize. Refer to our Security Risk document for more information.

If you are not PCI DSS compliant, use the below API endpoint to create a fund account for the contact's credit card.

/fund_accounts/public

Note:

A new fund account is created if any combination of the following details is unique: contact_id, card.name and card.number.
If all the above details match the details of an existing fund account, the API returns details of the existing fund account.
You cannot edit the details of a fund account.

 Example Request Response
Copycurl -u <YOUR_KEY> \
-X POST https://api.razorpay.com/v1/fund_accounts/public \
-H "Content-Type: application/json" \
-d '{
  "contact_id": "cont_00000000000001",
  "account_type": "card",
  "card": {
    "number": "765432123456789",
    "name": "Gaurav Kumar"
  }
}'
Copy{
  "id" : "fa_00000000000001",
  "entity": "fund_account",
  "contact_id" : "cont_00000000000001",
  "account_type": "card",
  "card": {
    "name": "Gaurav Kumar",
    "last4": "6789",
    "network": "Visa",
    "type": "credit",
    "issuer": "HDFC"
  },
  "active": true,
  "batch_id": null,
  "created_at": 1543650891
}

Request Parameters#

contact_idmandatory

string This is the unique identifier linked to a contact. For example, cont_00000000000001.

account_typemandatory

string The account type you want to link to the contact ID. Here it is card.

card

Details of the credit card.

numbermandatory: string The 16 digit beneficiary credit card number. For example, 765432123456789.
nameoptional: string Credit card holder's name. Maximum 100 characters. Supported characters: a-z, A-Z, 0-9, space, - , . and '. The credit card holder's name. For example,Gaurav Kumar.

Response Parameters#

id

string The unique identifier linked to the fund account. For example, fa_00000000000001.

entity

string Here it will be fund_account.

contact_id

string The unique identifier linked to the contact. For example, cont_00000000000001.

account_type

string The fund account type being created. Here, it will be card.

card

Details of the credit card that is being used to create the fund account.

name: string The credit card holder's name. For example,Gaurav Kumar.
last4: string The last four digits of the credit card. For example, 0001.
network: string The credit card issuing network. Possible values are:

Visa
Mastercard
American Express
Diners Club

type: string The card type. Currently, this can only be credit.
issuer: string The name of bank that issued the credit card. For example, HDFC. Refer to the Supported Banks and Payout Modes section for more details.

active

boolean The status of the fund account. Possible values:

true (default) = active
false = inactive

batch_id

string This parameter is populated if you created this contact as part of a bulk upload. For example, batch_00000000000001.

created_at

integer Timestamp, in Unix, when the contact was created. For example, 1545320320.

Create a Payout#

Use the below endpoint to create a payout.

/payouts

 Example Request Response
Copycurl -u <YOUR_KEY>:<YOUR_SECRET> \
-X POST https://api.razorpay.com/v1/payouts \
-H "Content-Type: application/json" \
-d '{
  "account_number": "7878780080316316",
  "fund_account_id": "fa_00000000000001",
  "amount": 1000000,
  "currency": "INR",
  "mode": "IMPS",
  "purpose": "refund",
  "queue_if_low_balance": true,
  "reference_id": "Acme Transaction ID 12345",
  "narration": "Acme Corp Fund Transfer",
  "notes": {
    "notes_key_1":"Tea, Earl Grey, Hot",
    "notes_key_2":"Tea, Earl Grey… decaf."
  }
}'
Copy{
  "id": "pout_00000000000001",
  "entity": "payout",
  "fund_account_id": "fa_00000000000001",
  "amount": 1000000,
  "currency": "INR",
  "notes": {
    "notes_key_1":"Tea, Earl Grey, Hot",
    "notes_key_2":"Tea, Earl Grey… decaf."
  },
  "fees": 0,
  "tax": 0,
  "status": "queued",
  "utr": null,
  "mode": "IMPS",
  "purpose": "refund",
  "reference_id": "Acme Transaction ID 12345",
  "narration": "Acme Corp Fund Transfer",
  "batch_id": null,
  "failure_reason": null,
  "created_at": 1545383037
}

Request Parameters#

account_numbermandatory

string The account from which you want to make the payout.
Account details can be found on the RazorpayX Dashboard. For example, 7878780080316316.

Pass your virtual account number if you want money to be deducted from your virtual account.
Pass your current account number if you want money to be deducted from your current account.
Note:
This is NOT your contact's bank account number.

fund_account_idmandatory

string The unique identifier linked to a fund account. For example, fa_00000000000001.

amountmandatory

integer The payout amount, in paise. For example, if you want to transfer ₹10000, pass 1000000. Minimum value 100. Note:
The value passed here does not include fees and tax. Fees and tax, if any, are deducted from your account balance.

currencymandatory

string The payout currency. Here, it is INR.

modemandatory

string The mode to be used to create the payout. Available modes:

NEFT
RTGS
IMPS
UPI

Payout Modes are Case Sensitive:
The payout modes are case sensitive. When creating payouts using APIs, ensure payout modes are entered in upper case.

purposemandatory

string The purpose of the payout that is being created. The following classifications are available in the system by default:

refund
cashback
payout
salary
utility bill
vendor bill

Note:
Additional purposes for payouts can be created via the Dashboard and then used in the API. However, it is not possible to create a new purpose for the payout via the API.

queue_if_low_balanceoptional

boolean Possible values:

true - The payout is queued when your business account does not have sufficient balance to process the payout.
false (default) - The payout is never queued. The payout fails if your business account does not have sufficient balance to process the payout.

reference_idoptional

string Maximum length 40 characters. A user-generated reference given to the payout. For example, Acme Transaction ID 12345. You can use this field to store your own transaction ID, if any.

narrationoptional

string Maximum length 30 characters. Allowed characters: a-z, A-Z, 0-9 and space. This is a custom note that also appears on the bank statement.

Note:
● If no value is passed for this parameter, it defaults to the Merchant Billing Label.
● Ensure that the most important text forms the first 9 characters as banks may truncate the rest as per their standards.

notesoptional

object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

Response Parameters#

id

string The unique identifier linked to the payout. For example, pout_00000000000001.

entity

string The entity being created. Here, it will be payout.

fund_account_id

string The unique identifier linked to the fund account. For example, fa_00000000000001.

amount

currency

string The payout currency. Here, it is INR.

notes

object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

fees

integer The fees for the payout. This field is populated only when the payout moves to the processing state. For example, 5.

tax

integer The tax that is applicable for the fee being charged. This field is populated only when the payout moves to the processing state. For example, 1.

status

string The status of the payout. Possible payout states:

queued
pending (if you have Approval Workflow enabled)
rejected (if you have Approval Workflow enabled)
processing
processed
cancelled
reversed

utr

string The unique transaction number linked to a payout. For example, HDFCN00000000001.

mode

string The mode used to make the payout. Available modes:

NEFT
RTGS
IMPS
UPI

Payout Modes are Case Sensitive:
The payout modes are case sensitive. When creating payouts using APIs, ensure payout modes are entered in upper case.

purpose

string The purpose of the payout that is being created. The following classifications are available in the system by default:

refund
cashback
payout
salary
utility bill
vendor bill

Note:
Additional purposes for payouts can be created via the Dashboard and then used in the API. However, it is not possible to create a new purpose for the payout via the API.

reference_id

string Maximum length 40 characters. A user-generated reference given to the payout. For example, Acme Transaction ID 12345. You can use this field to store your own transaction ID, if any.

narration

batch_id

string This parameter is populated if the contact was created as part of a bulk upload. For example, batch_00000000000001.

failure_reason

string The reason for the payout failing.

created_at

integer Timestamp, in Unix, when the contact was created. For example, 1545320320.