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.

CFT transaction can be performed via payabl. Dashboard interface (allowed only based on the original transaction ID) or via our API.


Step 1: Make a payout request

The payout request can be done in two ways:

  • with existing transaction-id received during original payment
  • with credit card info - restricted to non-gambling merchants only

POST request to payabl. API endpoint:

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

Existing transaction-id.

In your request, include:

merchantidMerchant identification number
transactionidTransaction ID of the original captured deposit (received in a callback).
amountamount to be credited. No dependence on original deposit.
currency3 characters. Alphanumeric currency code, according to ISO 4217. Should correspond to the original deposit.
payment_method1 for Cards. Payment methods IDs
signatureSignature Calculation2

Full list of possible values see in CFT API reference.

Request example

merchantid=gateway_test_3d&amount=9.99&currency=EUR&payment_method=1&transactionid=104837274&
signature=d688b3623429381dadb78a5f4914d801e62cd260

Full credit card information (no link to original deposit)

In your request, include:

merchantidMerchant identification number
amountamount to be credited.
currency3 characters. Alphanumeric currency code, according to ISO 4217.
ccnCustomer's credit card number.
exp_monthCard expiry month
exp_yearCard expiry year
cardholder_nameCardholder name
payment_method1 for Cards. Payment methods IDs
signatureSignature Calculation2

Full list of possible values see in CFT 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

After Successful or Failed CFT payabl. responds with a direct response to your server with a Successful or Failed status.

transactionidgateway transaction identification for the CFT
statustransaction’s status within the payment gateway. 0 = no error, 2000=pending, any other value is an error code
errormessageerror message from the Payment Gateway, empty for successful CFT
amountamount credited
currency3 characters. Alphanumeric currency code, according to ISO 4217
transidgateway transaction identification for the CFT
errmsgerror message from the Payment Gateway, empty for successful CFT
priceamount credited

Response example

transactionid=104837530&transid=104837530&status=0&errormessage=&errmsg=&amount=9.99&
price=9.99&currency=EUR&orderid=Payabl-Test

📘

Balance decline reason

The most popular decline reason for a failed CFT - not enough Balance to process withdrawal. In this case you need to capture more payments on your account. Contact your Account manager on how to solve such cases.


Our Technical Support team is there to help you:
Email: [email protected]
Available Monday – Friday between 09:00 and 17:00 CET/CEST