Payouts & Funding

Payouts

Our API supports payout charges, also known as push-to-card payments. Payout charges have a wide range of use cases, including online gaming payouts, loyalty payments, account-to-account transfers, and many others. At the moment, this endpoint can be used to perform Visa Direct and Mastercard Moneysend payments for the following use cases:

Online gambling payouts - i.e. payouts of online casino winnings
General funds disbursements - i.e. generic funds disbursement transaction used to push funds from a business to an individual cardholder for various purposes

The payout charges can be submitted by calling the Create Payout Charge endpoint. This endpoint is very similar to the Create Charge endpoint, with a few additional fields required such as payoutType and sender in order to correctly process the transaction:

Currently, other Visa Direct and Mastercard Moneysend use cases are not supported on this endpoint, please reach out to your Silverflow representative to enable additional use cases.

Note that for Visa Direct payouts, there are country-specific requirements which could result in additional information being required in the payout request. Please refer to the table below for more detail on the relevant country-specific requirements.

Country	Additional required data elements	Applicable scenario
Canada	`receiver.address.line1` `receiver.address.city` `receiver.address.postalCode` `receiver.address.stateOrProvince` `receiver.address.countryCode`	The cardholder or the merchant is based in Canada
India	`purposeOfPayment`	The recipient is based in India
Brazil	`sender.identification` `identification.type` `identification.value` `identification.issuingCountry`	The recipient is based in Brazil

Use of this endpoint requires configuration on a per client basis and may be subject to additional approvals and implementation with the card schemes. Please contact your Silverflow representative before integrating with this endpoint.

Funding

Our API also supports funding charges. Funding charges have a wide range of use cases, including account-to-account transfers, adding funds to a digital wallet, prepaid card load or top-ups, and many others. At the moment, this endpoint can be used to perform Visa Direct funding transactions for the following use cases:

Account-to-account: used in a me-to-me money transfer transaction, where both accounts are owned by the same cardholder.

The funding charges can be submitted by calling the Create Funding Charge endpoint. This endpoint is very similar to the standard charges endpoint, with a few additional fields required such as fundingType and sender in order to correctly process the transaction.

Currently, other Visa Direct and Mastercard Moneysend use cases are not supported on this endpoint, please reach out to your Silverflow representative to enable additional use cases.