Credit transfer and payout

Learn what credit transfers and payouts are and how they work.

For some businesses, the customers need to receive a payout. Some of the examples include:

• lottery winnings
• disbursement (for example, insurance payout)

Credit transfers are triggered by the merchant and in most cases without a reference to a previous transaction, but require the payment instrument data or the appropriate token to specify the payout target. Therefore, the amount to be credited is not bound to any charge amount. The restrictions for such payments are managed using the risk settings and the banks.

The following payment methods support credit transfers:

• Credit Card, Debit Card
• Direct Debit
• Direct Debit Secured
• (Deprecated) Unzer Direct Debit Secured

Credit transfers are realized by using the payout API call for the transaction that must always refer to the correct payment type resource.