Payouts & Funding

Payouts

Our API supports payout charges, also known as push-to-card payments. Payout charges have many use cases, including online gaming payouts, loyalty payments, account-to-account transfers, etc. 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 transactions 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 to correctly process the transaction:

Currently, this endpoint does not support other Visa Direct and Mastercard Moneysend use cases; please contact your Silverflow representative to enable additional use cases.

Note that for Visa Direct payouts, there are country-specific requirements, which could require additional information in the payout request. Please refer to the table below for more details 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

This endpoint requires configuration on a client basis and may be subject to additional approvals and implementation with the card schemes. Please get in touch with your Silverflow representative before integrating with this endpoint.

Funding

Our API also supports funding charges. Funding charges have many use cases, including account-to-account transfers, adding funds to a digital wallet, prepaid card load or top-ups, etc. 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 the same cardholder owns both accounts.

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 correctly process the transaction.

Currently, this endpoint does not support other Visa Direct and Mastercard Moneysend use cases; please contact your Silverflow representative to enable additional use cases.