FPS by a phone number

You can make a payout to an account of an individual by their phone number via the Faster Payment System (FPS).

To check whether a recipient is registered in the FPS before making a payout, call the fps/customer_verification method. It is optional and we recommend that you use it only when a payout is made to a new recipient for the first time.

To see an up-to-date list of banks participating in FPS, use our method: fps/banks.

Mandatory payout parameters

Name	Mandatory	Type	Description
payment_method/payout_details	+	object	Payout data
type	+	string	Value: bank_account
bank_account	+	object	Bank account
system_type	+	string	Bank transfer system Always: faster_payment_system
faster_payment_system	+	object	FPS details
phone	+	string	Recipient's phone number
bank_id	+	string	Identifier of the recipient's bank in FPS
description	+	string	Payout purpose. See how to specify the purpose
amount_details	+	object	Payout amount details
amount	+	int	Amount in ruble decimal format. The value must be greater than zero. To send 100 rubles, specify 10000
currency	+	string	Currency code according to ISO 4217. Case insensitive. Always: rub

How to make a payout

To make a payout, follow the general scenario.

Payout request example:

curl --location --request POST 'https://demo.smart-glocal.com/api/v1/session/start/payout' \
--header 'Content-Type: application/json' \
--header 'X-PARTNER-SIGN: signature' \
--header 'X-PARTNER-PROJECT: your_project_name' \
--data-raw '{
  "session_id": "ps_3230",
  "payment_method": {
        "type": "bank_account",
        "bank_account": {
            "system_type": "faster_payment_system",
            "faster_payment_system": {
                "phone": "79680000000",
                "bank_id": "100000000069",
                "description": "Wire for agreement № 5015553111 Ivanov Ivan Ivanovich VAT exempt"
            }
        }
    },
    "amount_details": {
        "amount": 30000,
        "currency": "rub"
    },
    "metadata": "good"
}'

Response example

{
    "status": "ok",
    "session": {
        "id": "ps_3230",
        "status": "in_progress",
        "created_at": "2025-03-20T15:01:18.405121Z",
        "updated_at": "2025-03-20T15:01:18.475845Z",
        "payments": [
            {
                "id": "po_3254",
                "status": "in_progress",
                "created_at": "2025-03-20T15:01:18.483635Z",
                "payment_method": {
                    "type": "bank_account",
                    "bank_account": {
                        "system_type": "faster_payment_system",
                        "faster_payment_system": {
                            "phone": "79680000000",
                            "bank_id": "100000000000",
                            "description": "{VO99090} Wire for agreement № 5015553111 Ivanov Ivan Ivanovich VAT exempt"
                        }
                    }
                },
                "amount_details": {
                    "amount": 30000,
                    "currency": "RUB"
                },
                "amounts": {},
                "metadata": {
                    "site_url": "https://site.ru",
                    "customer_ip": "02jpt2"
                },
                "payment_metadata": {}
            }
        ]
    }
}