Credit transfer and payout

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

There are certain businesses where customers need to receive a payout. Some of the example include:

  • lottery winnings
  • disbursement (for example, insurance payout)
  • marketplaces with consumers as sellers

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 by the risk settings and the banks.

The following payment methods support credit transfers:

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