Pay out to a card

Card Payouts (CREDIT2CARD)#

Push funds from your CentaPay settlement balance to a recipient's card. Used for merchant payouts, refunds to alternate cards, or disbursements to end-users.

S2S CARD Formula 5 Hash

POST https://{PAYMENT_URL}/post

Request Parameters#

Parameter	Description	Required
`action`	`CREDIT2CARD`	Yes
`client_key`	Your account key	Yes
`channel_id`	Sub-account (up to 16 chars)	No
`order_id`	Your unique transaction ID	Yes
`order_amount`	Amount to disburse. Integer for KZT/UZS, float XX.XX for USD.	Yes
`order_currency`	ISO 4217 code	Yes
`order_description`	Description (up to 1024 chars)	Yes
`card_number`	Recipient's card number	Yes
`payee_first_name`	Recipient's first name	No
`payee_last_name`	Recipient's last name	No
`payee_middle_name`	Recipient's middle name	No
`payee_birth_date`	Format: yyyy-MM-dd	No
`payee_address`	Recipient's address	No
`payee_country`	2-letter code	No
`payee_city`	Recipient's city	No
`payee_zip`	Postal code	No
`payee_email`	Recipient's email	No
`payee_phone`	Recipient's phone	No
`payer_first_name`	Sender's first name	No
`payer_last_name`	Sender's last name	No
`parameters`	Acquirer-specific extra fields	No
`hash`	Formula 5	Yes

Response#

`result`	`status`	Meaning
SUCCESS	SETTLED	Payout completed
DECLINED	DECLINED	Payout rejected — check `decline_reason`
UNDEFINED	PREPARE	Processing — await callback

Callback#

Callback hash uses Formula 6 (not Formula 2). This is the only action with a different callback hash formula.

Testing#

Use test card 4601541833776519 for successful CREDIT2CARD. Response: {action: CREDIT2CARD, result: SUCCESS, status: SETTLED}.

curl -X POST https://{PAYMENT_URL}/post \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "action=CREDIT2CARD" \
  -d "client_key={CLIENT_KEY}" \
  -d "order_id=PAY-001" \
  -d "order_amount=10000" \
  -d "order_currency=KZT" \
  -d "order_description=Merchant+payout" \
  -d "card_number=4601541833776519" \
  -d "hash={FORMULA_5_HASH}"

// Formula 5: md5(strtoupper(PASSWORD . strrev(first6+last4)))
$card = '4601541833776519';
$cp = substr($card,0,6).substr($card,-4);
$hash = md5(strtoupper(PASSWORD . strrev($cp)));
$params = [
  'action' => 'CREDIT2CARD',
  'client_key' => CLIENT_KEY,
  'order_id' => 'PAY-001',
  'order_amount' => '10000',
  'order_currency' => 'KZT',
  'order_description' => 'Merchant payout',
  'card_number' => $card,
  'hash' => $hash,
];

Virtual Account Payouts#

🔜

Coming soon. CREDIT2VIRTUAL enables payouts to mobile money, bank transfer, and other virtual account methods. This capability is not yet available on CentaPay. Contact [email protected] for the latest availability dates.