Cross-border transfer¶

The payer in Russia pays in rubles from their own bank, and the requisite is a phone or a card in another country, for example Tajikistan or Uzbekistan. The recipient gets the local currency (somoni, sum); the payment side does the conversion. For you it is a ruble payment: the amount, rate, fee and USDT credit work exactly as for SBP and card transfer.

You do not choose the recipient country: the payment side chooses it and returns it in the response. Show it to the payer so they know where the transfer goes.

Your server → APIPOST /api/v1/payments with payment_method=cross_border_card and bank_code=Т-Банк (the payer's bank)
APIPicks requisites for a transfer from this bank
API ⇢ Your server201: status=processing, requisite — a phone or a card, requisite_bank, cross_border_country
Your server → PayerThe requisite, recipient, the recipient's bank and country, the amount in rubles and the deadline
PayerSends rubles from their bank app
API → Your serverCallback: completed or canceled

Methods¶

`payment_method`	Requisite	How the client pays
`cross_border_sbp`	phone number	a cross-border transfer by phone number
`cross_border_card`	card number	a transfer to a card in another country (c2c)

The method must be in your project's contract, like sbp and card_transfer: check the contract limits — they list entries with these methods.

Payer's bank and fee¶

bank_code is the bank the client pays from, as for sbp and card_transfer: a name from the directory for geo_code (Т-Банк, Сбер, Альфа). The fee and the choice of the payment side depend on the method and the bank: for example, cross_border_card + T-Bank and cross_border_sbp + Sber are separate contract entries with their own fees. Without bank_code — any bank, under the "any bank" entry.

The recipient country does not affect the fee: one contract entry covers transfers to both Tajikistan and Uzbekistan.

Create a payment¶

POST /api/v1/payments — a signed request, as for other methods.

From a specific bank — with bank_code of the payer's bank:

{"merchant_payment_id": "order-47", "amount": 25000, "currency": "RUB", "geo_code": "RU",
 "payment_method": "cross_border_card", "bank_code": "Т-Банк"}

From any bank — without bank_code:

{"merchant_payment_id": "order-46", "amount": 10000, "currency": "RUB", "geo_code": "RU",
 "payment_method": "cross_border_sbp"}

Fields¶

Field	Req.	Rules
`payment_method`	yes	`cross_border_sbp` or `cross_border_card`
`geo_code`	no	The payer's country, default `RU`
`currency`	no	The payer's currency, default `RUB`: the payment amount is in it
`bank_code`	no	The payer's bank — a name from the directory for `geo_code`, for example `Т-Банк`. Without it — any bank
`amount`, `merchant_payment_id`, `callback_url`, `client_id`, `client_username`, `client_ip`	—	As for SBP

The request has no recipient country: cross_border_country in the request is a 400 error.

Response and callback¶

The response and callback are the same as for SBP, plus cross_border_country:

{
  "id": "3f1c2b9e-6a8d-4c4b-9a71-2c7f5d1e0a42",
  "merchant_payment_id": "order-47",
  "status": "processing",
  "amount": 25000,
  "currency": "RUB",
  "geo_code": "RU",
  "payment_method": "cross_border_card",
  "bank_code": "Т-Банк",
  "cross_border_country": "TJ",
  "requisite": "4444888815426816",
  "requisite_bank": "Банк Эсхата",
  "holder_name": "Фаридун Р.",
  "merchant_information": {"course": 82.50, "rate": 9.00, "amount_usdt": "303.0303",
    "amount_rate": "22750.0000", "amount_usdt_rate": "275.7575"}
}

requisite — a phone for cross_border_sbp, a card number for cross_border_card. Show it to the payer with holder_name, requisite_bank and the country: the payer picks the recipient's country and bank in their app.
cross_border_country — the recipient country (TJ — Tajikistan, UZ — Uzbekistan) chosen by the payment side. It is absent until requisites are issued or when the country is unknown.
bank_code — the payer's bank from the request; requisite_bank — the recipient's bank that issued the requisite.
Payments of other methods do not have cross_border_country.

Settlement¶

The payment is in rubles: merchant_information is the same settlement at the USDT/RUB rate and your contract fee for the cross-border method and bank. The recipient country's currency is not part of it.

Errors¶

HTTP	`error`	When
400	`bad_request`	The request has `cross_border_country` or another unknown field
422	`cross_border_invalid`	`bank_code` is a bank of another country, not the payer's bank of `geo_code` (for example a bank of Tajikistan)
422	`bank_not_found`	`bank_code` is not in the directory
422	`payment_not_covered`	The cross-border method and bank are not in your contract or the amount is out of range
422	`payment_not_routable`	A transfer from this bank cannot be accepted right now

A bank of another country is an error

bank_code of any method is the payer's bank. A bank of Tajikistan or Uzbekistan in bank_code is rejected (422 cross_border_invalid): the payment side chooses the recipient's bank.