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 -X POST \
  https://demo.smart-glocal.com/api/v1/session/start/payount \
  -H 'Content-Type: application/json' \
  -H 'X-PARTNER-PROJECT: your_project_name' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "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": {}
    }]
  }
}