Process bank payouts in Europe

Learn how to transfer funds efficiently and securely to your customers in Europe.

You can send funds to customers’ bank accounts in Europe through bank payouts using the emerchantpay Payout API.

Supported countries	Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and United Kingdom
Currency	BGN, CZK, DKK, EUR, GBP, HUF, NOK, PLN, RON, SEK
Upfront payment	No initial pay-in is required.
Payment method	Your customers receive funds via a straightforward bank transfer to their bank accounts.
Supported business models	B2C

Payout flow

Customer involvement: Customers provide their bank account details.
Process overview: This flow is suitable for transactions involving standard bank account transfers. emerchantpay uses the Trustly platform to process bank payouts in Europe.
Result: Funds are transferred to the specified bank account based on the provided details.

Prerequisites

To process bank payouts, you need to obtain the customer’s account_id. The account_id identifies the recipient. You can obtain the account_id in one of the following ways:

If the customer already has an account_id from a previous Trustly payment, it is returned to your notification URL during the initial transaction.
You can generate a new customer’s account_id by collecting the customer’s IBAN and verifying it at Trustly-register-account.
You can redirect the customer to a page where they go through specific steps on their own to obtain the account_id – Trustly-select-account.

Once you have obtained your customer’s account_id, you can proceed to initiate the bank payout request.

Initiate a bank payout

To initiate a payout, use the parameters outlined in the table below.

Parameter	Required	Format	Description
`transaction_type`	required	string(255)	The type of transaction, specifying `bank_payout`.
`transaction_id`	required	string(255)	A unique identifier for the transaction defined by you.
`remote_ip`	required	IPv4 or IPv6 address	The IPv4 or IPv6 address of the customer.
`amount`	required	integer > 0	The amount (in minor currency units) that transfers to your bank account or debit card. See Currency and Amount Handling for more details.
`currency`	required	string(3)	The three-letter currency code following ISO 4217 standards associated with the transaction.
`notification_url`	required	URL	The URL for receiving the transaction outcome from the gateway.
`return_failure_url`	required	URL	The URL to which the customer is directed after an unsuccessful payment.
`return_success_url`	required	URL	The URL to which the customer is directed after a successful payment.
`bank_name`	required	string(255)	The name of the bank where the customer holds their account.
`bank_account_number`	required	string(255)	The unique numerical code associated with the customer’s bank account.
`customer_email`	required	e-mail address	A valid email address of the customer.
`account_id`	required	string(11)	A unique identifier assigned by Trustly, serving to distinguish individual customers within Trustly’s system.
`user_id`	required	string(11)	A unique identifier assigned by you, utilised to identify customers within your system.
`birth_date`	required	string(10)	The date of birth of the customer, specified in the format DD-MM-YYYY.
`billing_address`	required	object	A group of parameters describing the billing address provided by the customer.
`first_name`	required	string(255)	The first name of the customer.
`last_name`	required	string(255)	The last name of the customer.
`address1`	optional	string(255)	The primary address associated with the transaction. This parameter is part of the `billing_address` object.
`address2`	optional	string(255)	The secondary address associated with the transaction. This parameter is part of the `billing_address` object.
`zip_code`	optional	string	The ZIP code associated with the transaction. This parameter is part of the `billing_address` object.
`city`	required	string(255)	The name of the city in the address information associated with the transaction.
`state`	optional	string(2)	The state code following ISO 3166-2 standards. This parameter is part of the `billing_address` object.
`country`	required	string(2)	The two-letter country code following ISO 3166 standards associated with the transaction.

See the example API request below:

<payment_transaction>
  <transaction_type>bank_payout</transaction_type>
  <transaction_id>20311362</transaction_id>
  <remote_ip>78.142.46.254</remote_ip>
  <amount>36200</amount>
  <currency>EUR</currency>
  <notification_url>https://example.com/notifications</notification_url>
  <return_success_url>https://example.com/succes</return_success_url>
  <return_failure_url>https://example.com/failure</return_failure_url>
  <bank_name>Metropolitan Commercial Bank</bank_name>
  <bank_account_number/>
  <customer_email>test@example.com</customer_email>
  <account_id>4164479374</account_id>
  <user_id>0000382435</user_id>
  <birth_date>16-01-1972</birth_date>
  <billing_address>
    <first_name>Max</first_name>
    <last_name>Mustermann </last_name>
    <address1>Muster Str. 12</address1>
    <address2/>
    <zip_code>10178</zip_code>
    <city>Berlin</city>
    <country>DE</country>
  </billing_address>
</payment_transaction>

Once you have prepared your request with the necessary parameters, you can proceed with the bank payout call to initiate the fund transfer to your customer’s bank account.

After initiating the bank payout, the process will be completed instantly with either an approved or declined status. Note that while a payout can initially be approved, the final status could change to declined. You will receive notifications promptly for every change in status.

See the example API response below:

<payment_response>
<transaction_type>bank_payout</transaction_type>
<status>approved</status>
<unique_id>a25184b69aea21bf268779cf32852417</unique_id>
<transaction_id>20311362</transaction_id>
<technical_message>TESTMODE: No real money will be transferred!</technical_message>
<message>TESTMODE: No real money will be transferred!</message>
<mode>test</mode>
<timestamp>2024-02-14T14:21:47Z</timestamp>
<descriptor>Shoes_Direct_Test</descriptor>
<amount>36200</amount>
<currency>EUR</currency>
</payment_response>

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