Credit Fund Transfer (Credit Cards)

The Credit Fund Transfer also can be referred to as payout or OCT- Original Credit Transfer.
Credit Fund Transfer API allows you to make payments such as insurance claims, rebates, affiliate and contractor payouts, expense reimbursements, or gaming winnings.

CFT availability depends on a number of factors such as the industry and country you’re operating in. CFT can be initiated without an initial transaction, depending on the industry regulation.

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The CFT is the first method where credit card data is sent directly, the feature is restricted to non-gambling MCCs only.


Before you start

  • Verify the recipient's card to make sure it is eligible to accept payouts and check whether it is enabled for Fast Funds.
  • Get a foreign exchange rate quote if you're paying out in a currency that's different from the currency of your account.

Step 1: Make a payout request

The payout request can be done in two ways:

  • with existing transaction-id
  • with credit card info - RESTRICTED TO NON-GAMBLING MERCHANTS ONLY

Existing transaction-id

To submit a payout to a customer, make a POST request from your server.

POST https://sandbox.payabl.com/pay/backoffice/payment_cft

In your request, include:

  • merchantid:
  • amount: The amount field contains the transaction’s total amount. This is the amount that will be transmitted to the authorizing system.
  • currency: The currency field contains the alphanumeric currency code for the transaction, according to ISO 4217, e.g. EUR, USD, AUD, CAD, NOK, SEK, CHF.
  • payment_method: The payment method from which will payout will be done.
  • signature: The signature field contains a 40-figure hexadecimal value. This signature value is a checksum designed to protect the merchant account from unauthorized access.
  • transactionid: Transaction id of an existing captured successful transaction

For more information about the included fields, see the Credit Fund Transfer API reference.

Request example

merchantid=gateway_test&amount=1.42&currency=EUR&payment_method=1&
transactionid=103317210&signature=1fef7a9fda8c054a68519dd98de2e7644ab07f61

Credit card information

To submit a payout to a customer, make a POST request from your server.

POST https://sandbox.payabl.com/pay/backoffice/payment_cft

In your request, include:

  • merchantid:
  • amount: The amount field contains the transaction’s total amount. This is the amount that will be transmitted to the authorizing system.
  • currency: The currency field contains the alphanumeric currency code for the transaction, according to ISO 4217, e.g. EUR, USD, AUD, CAD, NOK, SEK, CHF.
  • payment_method: The payment method from which will payout will be done.
  • signature: The signature field contains a 40-figure hexadecimal value. This signature value is a checksum designed to protect the merchant account from unauthorized access.
  • ccn: The ccn field contains the customer's credit card number. The payment gateway is capable of processing any credit card type.
  • exp_month
  • exp_year
  • cardholder_name

For more information about the included fields, see the Credit Fund Transfer API reference.

Request example

merchantid=gateway_test&amount=1.42&currency=EUR&payment_method=1&
signature=c13564a46bd1cd5296177c9b7b37471b8f41d0db&ccn=5546989999990033&
cardholder_name=Max Mustermann&exp_month=07&exp_year=2020

Step 2. Receive response notification

payabl. will send the outcome of the cancel request to you, in a notification that includes:

  • status: The status field contains the transaction’s status within the payment gateway. 0 = no error, 2000=pending, any other value is an error code.
  • errormessage: Error message from the Payment Gateway, 2000=pending, empty for successful CFT.
  • transactionid: The payment gateway transaction identification for the CFT. If you send CFT from the existing transaction when transaction id will be the same.
  • amount: The amount field contains the transaction’s total amount. This is the amount that will be transmitted to the authorizing system.
  • currency: The currency field contains the alphanumeric currency code for the transaction, according to ISO 4217, e.g. EUR, USD, AUD, CAD, NOK, SEK, CHF.
  • orderid:The field orderid is optional and exclusively for the merchants' convenience.

Response example

transactionid=6905392&transid=6905392&status=2000&errormessage=pending&
errmsg=pending&amount=1.42&price=1.42&currency=EUR&orderid=%20

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