API ReferenceIntegrationsKnowledge Base

RazorpayX - Payouts to Cards

With RazorpayX, you can send money to cards via the Payouts to Cards feature. This feature is available only via APIs. To make a payout to a card, all you need is the card number and the cardholder's name. Payouts to Cards can be initiated via IMPS, NEFT, UPI or card modes. IMPS, NEFT, UPI payouts are processed via traditional banking rails whereas Payouts via 'card' mode is processed via Visa Direct or Mastercard Send.

Feature Enablement:
This feature is not enabled by default. Raise a request using the support form on the RazorpayX Dashboard to enable this feature for your account.

Payout Life Cycle🔗

A payout can have the following statuses during its life cycle:

  • pending
  • queued or scheduled
  • processing
  • processed
  • reversed
  • cancelled
  • rejected
  • failed

Read more: Refer to the Payout section for more details about the payout states.

Note:

  • The Pending and Rejected states are available only if you have Approval Workflow enabled on your account.
  • Currently, the Scheduled Payouts feature does not allow payouts to be queued. That is, the queued state does not apply to scheduled payouts.

Supported Networks and Banks🔗

Card Networks🔗

Card payouts are supported on the below card networks.

  • Diners Club
  • Mastercard
  • Visa
  • Amex

Payouts via Bank Transfer🔗

You can make payouts via bank transfers using this traditional bank transfers such as NEFT, IMPS, and UPI. Payment is supported on all card networks, but only for credit cards. Here is a list of banks and the supported payout mode.

Issuer Bank Name

Issuer Bank Code

Supported Method

RBL

RATN

NEFT

State Bank of India

SBIN

NEFT

Axis Bank

UTIB

NEFT
IMPS

HDFC Bank

HDFC

IMPS
NEFT

ICICI Bank

ICICI

NEFT
UPI

Andhra Bank

ANDB

IMPS
NEFT

Bank of America

BOFA

NEFT

Bank of Baroda

BARB

NEFT

Bank of India

BKID

NEFT

Canara Bank

CNRB

NEFT

Citibank

CITI

NEFT

Corporation Bank

CORP

NEFT

HSBC Bank

HSBC

NEFT

IDBI Bank

IBKL

NEFT

Indian Overseas Bank

IOBA

NEFT

IndusInd Bank

INDB

IMPS
NEFT

Kotak Mahindra Bank

KKBK

IMPS
NEFT

Punjab National Bank

PUNB

NEFT

Syndicate Bank

SYNB

NEFT

Union Bank of India

UBIN

NEFT

Yes Bank

YESB

NEFT

American Express

AMEX

IMPS
NEFT
UPI

Payouts via Card Networks🔗

You can make payouts via card networks to prepaid cards, debit cards, or credit cards issued by the following banks. The Payout mode for transfer to such cards is 'card' and these transactions are supported via Visa Direct or MasterCard Send networks. The list of banks are as follows:

Issuer Bank Name

Issuer Bank Code

Network

Card Type

Airtel Payments Bank

AIRP

MasterCard Send

Debit

Axis Bank

UTIB

VisaDirect
MasterCard Send

Debit

Bank of India

BKID

VisaDirect

Debit

Bank of Maharashtra

MAHB

VisaDirect

Debit

Canara Bank

CNRB

VisaDirect
MasterCard Send

Debit

Central Bank of India

CBIN

MasterCard Send

Debit

Corporation Bank

CORP

VisaDirect

Debit

Development Credit Bank Ltd

DCBL

VisaDirect

Debit

Federal Bank

FDRL

VisaDirect
MasterCard Send

Debit

ICICI Bank

ICIC

VisaDirect

Debit

IDBI Bank

IBKL

VisaDirect
MasterCard Send

Debit

IDFC Bank

IDFB

VisaDirect

Debit

Indian Bank

IDIB

MasterCard Send

Debit

IndusInd Bank

INDB

VisaDirect
MasterCard Send

Debit
Credit

J & K Bank

JAKA

MasterCard Send

Debit

Kotak Bank

KKBK

VisaDirect

Debit

Oriental Bank of Commerce

ORBC

VisaDirect

Debit

RBL Bank

RATN

MasterCard Send

Debit

State Bank of India

SBIN

VisaDirect
MasterCard Send

Debit
Credit

Standard Chartered Bank

SCBL

VisaDirect
MasterCard Send

Debit
Credit

Syndicate Bank

SYNB

MasterCard Send

Debit

The Federal Bank Ltd

FDRL

VisaDirect

Debit

The South Indian Bank Ltd

SIBL

VisaDirect

Debit

Yes Bank

YESB

MasterCard Send

Debit
Credit

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