Withdraws
Withdrawal operation allows customers of Paysafe Embedded Wallet to draw funds from their embedded wallet accounts. The supported deposit methods are:
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Debit ot Credit card
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Bank transfer to external bank account
It is required, that the owner of the withdraw instrument and wallet account are the same.
Embedded wallet leverages Paysafe Payments API for deposits, withdrawals and refunds.
Withdrawal corresponds to STANDALONE_CREDIT transaction type in Payments API. All operations associated with Embedded Wallet account require additional wallet property to be present. The wallet parameter contains the information for the wallet customer and account associated with the transaction.
Withdrawal to bank account
Customers can withdraw amount to their bank account. Withdrawals in EUR and GBP are supported.
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The withdrawal amount cannot exceed the balance of the user.
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Merchant fees are substracted from the withdrawal amount
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Customer initiates withdrawal to bank account on Merchant's platform
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Merchant calls Paysafe to create a Payment Handle for a standalone credit
POST https://api2.paysafe.com/paymenthub/v1/paymenthandles
{
"merchantRefNum": "merchantRefNum-124",
"transactionType": "STANDALONE_CREDIT",
"sepa": {
"nickName": "Sally's Barclays Account",
"accountHolderName": "John Doe",
"bic": "ABNANL2APIP",
"iban": "DE89370400440532013000"
},
"paymentType": "BANK_TRANSFER",
"amount": 3000,
"currencyCode": "EUR",
"customerIp": "73.82.192.17",
"billingDetails": {
"nickName": "Home",
"street": "100 Queen",
"street2": "Unit 201",
"city": "Toronto",
"zip": "M5H 2N2",
"country": "CA"
},
"wallet":{
"customerId" : "GGG",
"verifiedInstrument" : false,
"customerAccount" : {
"id":"abc"
}
}
}{
"id": "372b5ee7-6360-4403-b444-164f8f1d2709",
"amount": 3000,
"merchantRefNum": "merchantRefNum-124",
"action": "NONE",
"currencyCode": "EUR",
"usage": "SINGLE_USE",
"status": "PAYABLE",
"paymentType": "BANK_TRANSFER",
"executionMode": "SYNCHRONOUS",
"customerIp": "73.82.192.17",
"paymentHandleToken": "SCyGZDlUuZ9zxjyd",
"billingDetails": {
"nickName": "Home",
"street": "100 Queen",
"street2": "Unit 201",
"city": "Toronto",
"country": "CA",
"zip": "M5H 2N2"
},
"sepa": {
"nickName": "Sally's Barclays Account",
"accountHolderName": "John Doe",
"bic": "ABNANL2APIP",
"lastDigits": "00"
},
"wallet":{
"customerId" : "GGG",
"slipId" : "100753",
"verifiedInstrument" : false,
"customerAccount" : {
"id":"abc"
}
},
"timeToLiveSeconds": 899,
"transactionType": "STANDALONE_CREDIT"
} -
-
Merchant finalizes the standalone credit
POST https://api2.paysafe.com/paymenthub/v1/standalonecredits
{
"amount": 3000,
"merchantRefNum": "merchantRefNum-151",
"currencyCode": "EUR",
"paymentHandleToken": "SCyGZDlUuZ9zxjyd",
"customerIp": "73.82.192.17",
"description": "Pay surplus"
}{
"id": "e075f2ae-dfc4-4f6d-8d89-61158367b6a6",
"amount": 3000,
"merchantRefNum": "merchantRefNum-151",
"paymentHandleToken": "SCyGZDlUuZ9zxjyd",
"customerIp": "73.82.192.17",
"currencyCode": "EUR",
"paymentType": "BANK_TRANSFER",
"status": "PROCESSING",
"description": "Pay surplus",
"sepa": {
"nickName": "Sally's Barclays Account",
"accountHolderName": "John Doe",
"bic": "ABNANL2APIP",
"lastDigits": "00"
},
"wallet":{
"customerId" : "abc",
"slipId" : "100753",
"verifiedInstrument" : true,
"customerAccount" : {
"id":"xyz",
"transactions": [{
"id": "12321",
"type": "TRANSFER_IN",
"amount": 3000,
"currencyCode": "EUR",
"creationTime": "2021-07-15T17:54:12Z",
"direction": "CREDIT",
"paymentType": "BANK_TRANSFER",
"status": "COMPLETED",
"merchantRefNum": "merchantRefNum-151"
},
{
"id": "12322",
"type": "WITHDRAWAL",
"amount": 3000,
"currencyCode": "EUR",
"creationTime": "2021-07-15T17:54:12Z",
"direction": "DEBIT",
"fee": 0,
"paymentType": "BANK_TRANSFER",
"status": "PROCESSING",
"merchantRefNum": "merchantRefNum-151"
}
]
},
"merchantAccount" : {
"id": "def",
"transactions": [{
"id": "12323",
"type": "TRANSFER_OUT",
"amount": 3000,
"currencyCode": "EUR",
"creationTime": "2021-07-15T17:54:12Z",
"direction": "DEBIT",
"paymentType": "BANK_TRANSFER",
"status": "COMPLETED",
"merchantRefNum": "merchantRefNum-151"
}
]
}
}
}
-
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Paysafe debits withdrawal amount and fee, if applicable, from customer’s wallet.
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Paysafe credits customer fee to the Merchant wallet.
Paysafe will also make sure any returned withdrawals are processed by crediting the returned amount back to the customer’s wallet. The Merchant will receive a notification for such returned withdrawals.
Withdrawal to a card
Customers can withdraw from fiat balance to their cards as well (Visa Direct - credit and debit cards). The withdrawal amount cannot exceed the fiat balance of the customer. Withdrawals in EUR and GBP will be supported.
- Customer initiates fiat withdrawal to bank account on Merchant's platform.
- Merchant requests the withdrawal from Paysafe and includes customer’s card details in the request.
- Paysafe validates there is available balance in customer’s wallet.
- Paysafe debits withdrawal amount and fee, if applicable, from customer’s wallet.
- Paysafe routes the withdrawal to our partner banks and payment providers.
- Paysafe credits customer fee to Merchant wallet.
- Paysafe returns a payment details response to the Merchant.