Quick Checkout Payouts

Quick Checkout payouts enable Skrill gambling merchants to transfer funds (such as winnings) to their customers by referencing an original QCO transaction (payment) made on the gateway. Since the money is sent directly to the payment instrument used for the original payment, the customer does not need a Skrill Wallet account.

Restrictions: Quick Checkout payouts functionality is available only for:

• Rapid Transfer payments
• NETELLER payments
• Paysafecard payments
• Bank Payouts (EMEA, NA, LATAM)
• Giropay payments
• Sofort payments

Merchants wishing to use the Quick Checkout payouts facility need to have this functionality enabled on their account by the Merchant Services team.

Quick Checkout payouts use an extension to the Automated Payments Interface (API), and are implemented by sending an HTTPs request to the following URL:

https://www.skrill.com/app/pay.pl

The process consists of two steps:

• Sending a payout prepare request to initiate a session
• Executing the Quick Checkout payout within the session

After each step Skrill returns an XML response that contains the result of the performed action.

Executing a Payout Preparation Request

You must include the parameters described below in your HTTPs request.

Parameter	Description	Required	Example Value
action	The required action. In the first step, this is prepare.	Yes	prepare
email	Your email address.	Yes	info@merchant.com
password	Lower-case version of your MD5 API/MQI password.	Yes	9f535b6ae672f627e4a5f79f2b7c63fe
transaction_id	The transaction ID of the original payment.	Yes/No *	A500123
mb_transaction_id	The Skrill transaction ID of the original payment.	Yes/No *	4585262
amount	Amount to be transferred.	Yes	10.95
currency	Currency. For a list of currencies accepted by Skrill Quick Checkout Payouts, see Currencies section.	Yes	EUR
subject	Subject of the notification email. Up to 250 1-byte characters.	Yes	Your order is ready
note	Comment to be included in the notification email. Up to 2000 1-byte characters.	Yes	Details are available on our website.
frn_trn_id	Your reference ID (must be unique if submitted).	No	A1234
merchant_fields	A comma-separated list of up to five field names that are passed back to your server when the payment is confirmed.	No	Field1, Field2
Field1	An additional field that you can include containing your own unique parameters.	No	Value1
Field2	An additional field that you can include containing your own unique parameters.	No	Value2
status_url	URL or email address to which status updates should be sent. The following ports can be used for this URL: 80, 81, 82, 83, 88, 90, 178, 419, 433, 443, 444, 448, 451, 666, 800, 888, 1025, 1430, 1680, 1888, 1916, 1985, 2006, 2221, 3000, 4111, 4121, 4423, 4440, 4441, 4442, 4443, 4450, 4451, 4455, 4567, 5443, 5507, 5653, 5654, 5656, 5678, 6500, 7000, 7001, 7022, 7102, 7777, 7878, 8000, 8001, 8002, 8011, 8014, 8015, 8016, 8027, 8070, 8080, 8081, 8082, 8085, 8086, 8088, 8090, 8097, 8180, 8181, 8443, 8449, 8680, 8843, 8888, 8989, 9006, 9088, 9443, 9797, 10088, 10443, 12312, 18049, 18079, 18080, 18090, 18443, 20202, 20600, 20601, 20603, 20607, 20611, 21301, 22240, 26004, 27040, 28080, 30080, 37208, 37906, 40002, 40005, 40080, 50001, 60080, 60443	No	https:// www.merchant.com/ update.cqi
bank_id_code	Code of the payee's/recipient's bank. One of the codes retrieved using the Bank API.	Yes/No ****	8194
bank_account_type	Type of beneficiary bank account. Refer to column "code". Max length: 12.	Yes/No **	CLABE
bank_account_number	Bank account number of beneficiary. Max length: 50.	Yes/No **	123456789034567896
document_type	Type of ID document provided. Refer to column "code". Max length: 3.	Yes/No **	RFC
document_number	The identification number of the document. Max length: 50.	Yes/No **	HEGJ820506M10
date_of_birth	The date of birth of the beneficiary in dd-MM-yyyy format.	Yes/No **	31-01-2023
merchant_client_id	Unique identifier of the Client with the Merchant. Must be an integer. Max length: 50.	Yes/No ***	123123
merchant_client_registration_date	Date of account registration of the Client in ISO8601 format.	Yes/No ***	2016-08-22T14:30+02:00
merchant_client_kyc_level	Verification level of the Client. 0 – not verified, 1 – verified with documents. Max length: 1.	Yes/No ***	0
merchant_client_registration_country	The ISO country code for the user's country. Max length: 3.	Yes/No ***	BRA

info

* You must submit either transaction_id or mb_transaction_id.
If you accidentally include a bnf_email parameter in your prepare request (which is used when preparing to send money, as described on page 8), the subsequent transfer action sends money to a Skrill balance account instead of making a Quick Checkout payout.
** Required for Bank Payouts to LATAM
*** Applicable only for some payment options. Merchant Client fields are used for additional risk screening.
**** Required for Bank Payouts to Chile and Ecuador.

Response

Skrill returns an XML response to your request, which contains a <response> element containing one of the following elements:

• <sid> element - returned if the authorization and payment preparation is successful. The Session ID must be submitted in your payout execution request.
• <error> element – included if an error occurs. It includes an <error_msg> element, which contains the error message description. For an explanation of this message, see Errors when validating parameters and Errors during log in tables.

Example 1: Successful Preparation Request

Request:

curl --location 'https://www.skrill.com/app/pay.pl' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--data-urlencode 'action=prepare' \
--data-urlencode 'email=merchant@host.com' \
--data-urlencode 'password=8bcf2ad23abdc7f4b8e65efaadf71e19' \
--data-urlencode 'amount=10' \
--data-urlencode 'currency=AED' \
--data-urlencode 'subject=subject' \
--data-urlencode 'note=note' \
--data-urlencode 'frn_trn_id=my-frn-trn-1' \
--data-urlencode 'mb_transaction_id=194573960'

Response:

<?xml version="1.0" encoding="UTF-8"?>
<response>
  <sid>5e281d1376d92ba789ca7f0583e045d4</sid>
</response>

Example 2: Failed Preparation Request

Request:

curl --location 'https://www.skrill.com/app/pay.pl' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--data-urlencode 'action=prepare' \
--data-urlencode 'email=merchant@host.com' \
--data-urlencode 'password=8bcf2ad23abdc7f4b8e65efaadf71e19' \
--data-urlencode 'amount=10' \
--data-urlencode 'currency=AED' \
--data-urlencode 'subject=subject' \
--data-urlencode 'note=note' \
--data-urlencode 'frn_trn_id=my-frn-trn-1' \
--data-urlencode 'mb_transaction_id=194573960'

Response:

<?xml version="1.0" encoding="UTF-8"?>
<response>
  <error>
    <error_msg>MISSING_AMOUNT</error_msg>
  </error>
</response>

Executing a Payout Transfer Request

Your web servers should include the Session ID provided in the XML response from Skrill in the payout transfer execution request, as described below.

Field	Description	Required	Example value
action	The required action. In the second step, this is the payout 'transfer'.	Yes	transfer
sid	Session identifier returned in response to the prepare request.	Yes	5e281d1376d92ba789ca7f0583e045d4

Response

The XML response contains a <response> element that includes either of the following elements:

• <transaction> element – returned if the payout transfer is successful; the response includes the elements described in the table below.
• <error> element – returned if an error occurs, and includes an <error_msg> element, which provides details of the error. This is shown in Errors when validating parameters and Errors when validating payment details tables.

Element	Description
amount	Amount paid in the currency of your Skrill account.
currency	Currency of your Skrill account.
id	Skrill transaction ID.
status	Numeric value of the transaction status: -2 = failed 2 = processed 0 = pending
status_msg	Textual transaction status.
error_msg	- BALANCE_NOT_ENOUGH – payout amount exceeds account balance - ORIGINAL_PAYMENT_NOT_PROCESSED – referenced transaction was not processed - ORIGINAL_PAYMENT_UNSUPPORTED_FOR_PAYOUT – payment method used for the referenced transaction is not supported for payouts - GENERIC_ERROR – other errors not covered above

Example: Successful Transfer Request

Request:

curl --location 'https://www.skrill.com/app/pay.pl' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--data-urlencode 'action=transfer' \
--data-urlencode 'sid=5e281d1376d92ba789ca7f0583e045d4'

Response:

<?xml version="1.0" encoding="UTF-8"?>
<response>
  <transaction>
    <amount>1.20</amount>
    <currency>EUR</currency>
    <id>497029</id>
    <status>2</status>
    <status_msg>processed</status_msg>
  </transaction>
</response>

Document Types Accepted by Skrill

Code	Official Document Name	Country	Validation Regex	Example
CPF	Cadastro de Pessoas Físicas	Brazil	^\[0-9]{11}\$	11831541021
CE	Cedula de Identidad	Chile	^\[A-Za-z0-9]{9,20}\$	A1234567890
PAS	Pasaporte	Chile	^\[A-Za-z0-9]{9,20}\$	CHLAO01001
RUN	Rol Único Nacional	Chile	^\[0-9]{6,8}-\[0-9]{1}\$	125319092-2
RUT	Rol Único Tributario	Chile	^\[0-9]{6,8}-\[0-9]{1}\$	125319092-2
RFC	Registro Federal Contribuyentes	Mexico	^(\[A-ZÑ&]{4}) ?(?:- ?)?(\d{2}(?:0\[1-9]|1\[0-2])(?:0\[1-9]|\[12]\d|3\[01])) ?(?:- ?)?(\[A-Z\d]{2})(\[A\d])\$	HEGJ820506M10
DNI	Documento Nacional de Identidad	Peru	^\[0-9]{8}\$	44851534
PAS	Pasaporte	Peru	^\[A-Za-z0-9]{7,12}\$	8345627394AB
CE	Carne de Identidad para Extranjeros	Peru	^\[A-Za-z0-9]{8,20}\$	A847635253910

Bank Account Types Accepted by Skrill

Code	Description	Country	Validation (regex)	Example
CLABE	Standardized Bank Key or Clave Bancaria Estandarizada	MEX	^\d{18}\$	123456789034567896
CPF	CPF	BRA	^\[0-9]{11}\$	11831541602
Email	Email	BRA	^\[a-z0-9.\_%+-]+@\[a-z0-9.-]+.\[a-z]{2,77}\$	test@test.com
Phone	Phone number, without country code	BRA	^\[0-9]{11}\$	31971212883
EVP	Random Key	BRA	(\[0-9a-f]{8}-\[0-9a-f]{4}-\[0-9a-f]{4}-\[0-9a-f]{4}-\[0-9a-f]{12})	23e05112-0dfd-4c2b-b433-d6420967dbbe
Checking	Interbank account number	PER	^\[0-9]{20}\$<br/>must start with 002, 003, 007, 009, 011, 018, 023, 035, 038, 049, 053, 054, 055, 056, 058, 059, 060, 800, 801, 802, 803, 805, 806, 808, 809, 811, 813	00211111111111111111
Savings	Interbank account number	PER	^\[0-9]{20}\$<br/>must start with 002, 003, 007, 009, 011, 018, 023, 035, 038, 049, 053, 054, 055, 056, 058, 059, 060, 800, 801, 802, 803, 805, 806, 808, 809, 811, 813	00211111111111111111
Checking	Interbank account number	CHL	^\[0-9]{7,20}\$	00211111111111111111
Savings	Interbank account number	CHL	^\[0-9]{7,20}\$	00211111111111111111
Salary	Interbank account number	CHL	^\[0-9]{7,20}\$	00211111111111111111
Rut	Rol Único Tributario	CHL	When the provided bank_id_code is for "Banco Estado", the provided document_type is RUT and the bank_account_type is Rut: 1. the prefix of bank_account_number must be the same as the prefix of the RUT document_number. (For example, if provided RUT document_number is 12345678-9, the bank_account_number should start with 12345678) 2. the length of the bank account number must be from 8 to 11 digits In other cases: - the length of the bank account number must be 7 to 20 digits (^[0-9]{7,20}$)	When: bank_id_code=012, document_type=RUT, document_number=12345678-9, bank_account_type=Rut, bank_account_number=12345678 All other cases: 00211111111111111111

Payout Status Report

If the payment transfer API returns a pending status (0), then whenever the status of the transaction changes, Skrill sends details of the change to the status_url provided in your payment request using a standard HTTP POST. The Skrill server continues to post the status until it receives an HTTP OK (200) response from your server, or until it has posted more than 10 times. The table below shows the parameters sent to your status_url page:

Field	Description	Required	Example
transaction_id	Your reference ID (the frn_trn_id from the request)	Yes/No	500123
mb_transaction_id	Skrill's internal unique reference ID for this transaction	Yes	5585262
merchant_id	Unique lD of your Skrill account; needed to calculate the MD5 signature.	Yes	1392345
amount	Payment amount posted in your HTTP request	Yes	2
currency	Payment currency posted in your HTTP request	Yes	EUR
status	2 = Processed -2 = Failed	Yes	2
mb_amount	Amount in your Skrill account currency	Yes	9.99
mb_currency	Skrill account currency	Yes	EUR
md5sig	Upper-case MD5 signature. See MD5 signature.	Yes	9F535B6AE672F527E4A5F79F2B7C63FE
sha2sig	Upper-case Sha2 signature (not available by default; request enablement at merchantservices@skrill.com)	No	DBB7101322257A311F0SD1C527053058FC7E464E30BCFB4613F09053C22DD1F8
pay_to_email	Your email address	Yes	info@merchant.com
pay_from_email	Email address of the customer to whom the funds are being sent	Yes	payer123@skrill.com

MD5 Signature

The md5sig parameter consists of an MD5 sum on a string built by concatenating the following parameters and converting the result to upper-case:

Value	Description	Example
merchant_id	Your Skrill account user ID	4637827
mb_transaction_id	The new Skrill transaction ID	5585262
MD5 of secret word	The upper-case MD5 value of the secret word submitted in the Settings > Developer Settings section of your Skrill account.	327638C253A4637199CEBA6642 371F20
mb_amount	Amount refunded in the currency of your account.	9.99
mb_currency	Currency of your account.	EUR
status	The status of the refund transaction.	2

Example

fields = [merchant_id, mb_transaction_id, Digest::MD5.hexdigest(secret).upcase, mb_amount, mb_currency, status].join
md5sig == Digest::MD5.hexdigest(fields).upcase

Using the example values in the MD5 signature parameters table, the following MD5 code is returned: CF9DCA614656D19772ECAB978A56866D.

Response:

merchant_id=290186320&transaction_id=200366670&mb_transaction_id=200366670&mb_amoun t=74.218786&mb_currency=GBP&status=2&md5sig=3ED76725C3E3CE6CE25F16F01BDFDF1D&amount=80.0&pay_from_email=payer%40gmail.com&pay_to_email=merchant%40info.com&currency=EUR

Bank API

Fetch available banks for LATAM Bank payouts.

By merchant ID:

curl --location --globoff 'https://pay.skrill.com/banks?paymentOption={paymentOption}&merchantId={merchantId}&countryId={countryId}&amount={amount}&currency={currency}'

By merchant processing e-mail:

curl --location --globoff 'https://pay.skrill.com/banks?paymentOption={paymentOption}&merchantEmail={merchantEmail}&countryId={countryId}&amount={amount}&currency={currency}'

Parameters:

Parameter	Description	Required	Example value
paymentOption	Payment option	Yes	ONB
countryId	Skrill country ID	Yes	CHL
merchantId	Merchant ID	Yes/No *	1001
merchantEmail	Merchant processing e-mail	Yes/No *	skrill@merchant.com
currency	Payment amount currency	Yes	CLP
amount	Payment amount	Yes	10000

info

* Provide either merchantId or merchantEmail.

Response:

20 OK

[
  {
    "id": "8194",
    "name": "Banco Estado"
  },
  {
    "id": "8457",
    "name": "Scotiabank Chile"
  }
]

Error codes:

Response Code	Error Message	Description
400	Field error(s)	Missing required field
400	Invalid countryId: {countryId}	Provided Skrill country ID is invalid
400	Invalid merchant	Provided merchant ID or merchant processing e-mail does not exist
400	Invalid amount	Provided amount is not valid
400	Unknown currency: {currency}	Provided currency is not valid
400	Payment method not available: {paymentOption}	Payment method is not supported for this payment