Payouts

Who you can send payouts to

You can send payouts to any individuals to their

• bank accounts
• wallets

Getting started

To start making payouts, sign an agreement with Smart Glocal, go through the KYC process with Smart Glocal, and complete the integration via this API. Where to start?

Prices and preconditions

The prices for payouts are stated in your agreement with Smart Glocal. You can discuss them with your manager. The limits vary depending on the payout method (wallet or bank_account).

To start making payouts, make sure you toped up your prefunding balance with Smart Glocal. You need to monitor (using the wallet/balance method) your prefunding balance independently to make sure it is enough to keep payouts working. Please keep in mind that bank wire takes 1 to 3 business days. If the total of the payouts you have ordered using this API exceeds your prefunding balance, Smart Glocal will not be able to complete them.

Payout refunds

Payouts are non-refundable.

A payout you sent to a bank account may be refunded if the recipient bank did not credit it to the recipient's account for some reason even if the payout’s success was confirmed. In this case, such refunds are processed manually on our side, and you will get a refund as soon as they are reconciled. There is no automatic notification about such refunds.

How to make a payout

Below you will find two ways of making a payout. If you do not have PCI DSS, choose the widget option.

All API operations are carried out within a payment session: PaymentSession. One payment session can include several operations: for example, you can accept and then refund a payment.

You have PCI DSS

To create a payout, complete the following steps:

1. Create a payment session sending a session/create request.

2. Send a session/start/payout request to start the payout.

3. Wait for a ready_to_confirm webhook. When you receive it, it means that Smart Glocal is ready to make the payout and is waiting for your confirmation.

4. Send a session/confirm request or a session/cancel request to confirm or cancel the operation.

5. Wait for a payment_finished webhook containing the result of the payout. If the status is succeeded, the payout was successful. To learn more about the payout statuses, see here.

Sequence diagram of payouts with PCI DSS

You are using our payment widget

To create a payout using our widget, complete the following steps:

1. Complete Steps 1-5.

2. Create a payment session sending a session/create request.

3. Send a session/start/payout request to start the payout.

   In the EncryptedCard object, pass the tokenized bank card details obtained from the widget.

   Example

   curl -X POST \
   https://demo.smart-glocal.com/api/v1/session/start/payout \
   -H 'Content-Type: application/json' \
   -H 'X-PARTNER-PROJECT: your_project_name' \
   -H 'X-PARTNER-SIGN: signature' \
   -d '{
     "session_id": "3230",
     "payment_method": {
       "type": "card",
         "card": {
         "type": "encrypted_card",
         "encrypted_card": {
            "number_hash": "63191fa17cc7edf818ee5d6611a2c2169ab30b705111cffd710af39880deef09",
            "expiration_date_hash":"f4286b9a8e0eb7974f34a996ee732fd861868f2fc7aaa7ed5cca8de2489534ad",
            "cardholder_name_hash":"dd6cce1e06790019dd266c6f70430f87dd378df802c6b7494395156f62533ce6",
            "security_code_hash":"7756b897e88c035f34c6658a147e263b29b480a5cdf76581012ff10ede478c4c"
           }
         }
       },
     "metadata": "good"
     }'

   To find information on the token or card, use the token/info method. This method also returns the last 4 numbers of the card, so that you can show the user where the amount is going.

4. Wait for a ready_to_confirm webhook. When you received it, it means that Smart Glocal is ready to make the payout and is waiting for your confirmation.

5. Send a session/confirm request or a session/cancel request to confirm or cancel the operation.

6. Wait for a payment_finished webhook containing the result of the payout. If the status is succeeded, the payout was successful. To learn more about the payout statuses, see here.

Sequence diagram of payouts with the widget

How to specify the remittance purpose

The purpose of a remittance must be specified in payment_method.global.description as follows:

Purpose	Description
COMPUTER_SERVICES	Computer service
FAMILY_SUPPORT	Family support
EDUCATION	Education
GIFT_AND_DONATION	Gift and other donations
MEDICAL_TREATMENT	Medical treatment
MAINTENANCE_EXPENSES	Maintenance or other expenses
TRAVEL	Travel
SMALL_VALUE_REMITTANCE	Small value remittance
LIBERALIZED_REMITTANCE	Liberalized remittance
CONSTRUCTION_EXPENSES	Construction expenses
HOTEL_ACCOMMODATION	Hotel accommodation
ADVERTISING_EXPENSES	Advertising and/or public relations related expenses
ADVISORY_FEES	Fees for advisory or consulting service
BUSINESS_INSURANCE	Business related insurance payment
INSURANCE_CLAIMS	Insurance claims payment
DELIVERY_FEES	Delivery fees
EXPORTED_GOODS	Payments for exported goods
SERVICE_CHARGES	Payment for services
LOAN_PAYMENT	Payment of loans
OFFICE_EXPENSES	Office expenses
PROPERTY_PURCHASE	Residential property purchase
PROPERTY_RENTAL	Property rental payment
ROYALTY_FEES	Royalty, trademark, patent and copyright fees
SHARES_INVESTMENT	Investment in shares
FUND_INVESTMENT	Fund investment
TAX_PAYMENT	Tax payment
TRANSPORTATION_FEES	Transportation fees
UTILITY_BILLS	Utility bills
PERSONAL_TRANSFER	Personal transfer
SALARY_PAYMENT	Payment of salary
REWARD_PAYMENT	Payment of rewards
INFLUENCER_PAYMENT	Payment of Influencer
OTHER_FEES	Broker, commitment, guarantee and other fees
OTHER	Other purposes