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Powered by Visa Direct and Mastercard Send, Runa Pay to Card is the fastest and simplest way to send funds directly to your recipients’ bank account. Pay to Card facilitates instant transfers to other accounts, powering use cases like gig worker payments, rewards, incentives insurance claims, corporate rebates, payroll, government aid, and reimbursements.
To get access to Pay to Card, please reach out to your Account Manager or email support@runa.io.

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Fetching the Pay to Card products

Retrieve the Pay to Card products using the product list endpoint. You can identify these products by the payout_type field, which will be set to payment. Each Pay to Card product supports a specific currency and country. You can refer to the product listing guide for more information on this endpoint.
Pay to Card product example, fields truncated to for brevity
{
  "code": "P2C-US",
  "name": "Pay To Card US",
  "currency": "USD",
  "state": "LIVE",
  "payout_type": "payment",
  "is_orderable": true,
  "availability": "realtime"
}

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Placing a Pay to Card order

To make an order for a payment you simply specify the Pay to Card product code for the currency and country you wish to send funds in. For our example we will be using the P2C-US product code for a $10 payment to a recipient. The payment will be sent to the recipient’s email address via the EMAIL distribution method.
Example pay to card order
POST https://api.runa.io/v2/order
Content-Type: application/json
X-Api-Key: <your API key>

{
    "payment_method": {
        "type": "ACCOUNT_BALANCE",
        "currency": "USD"
    },
    "items": [
        {
            "face_value": 10,
            "distribution_method": {
                "type": "EMAIL",
                "email_address": "<your recipient's email address>"
            },
            "products": {
                "type": "SINGLE",
                "values": ["P2C-US"]
            }
        }
    ]
}

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Distribution methods

In the example above we used the EMAIL distribution method to send the payment to the recipient’s email address.
  • You can also use the RECIPIENT distribution method to send the payment to a known recipient.
  • If you want to handle the distribution of the payment link yourself, use the PAYOUT_LINK distribution method.
Refer to the order endpoint reference for more information on the request schema and other options available.

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Recipient redemption experience

When a recipient opens the payment they will be guided through the following flow on their first redemption:
  1. Enter their email address to authenticate
  2. Securely enter their card details
  3. Receive funds in their bank account
For a returning recipient, they will only need to enter their email address to authenticate. The previously used card details are saved for future redemptions.

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Next steps

Testing

Test out the pay to card redemption jouney in our playground environment.

Support

Read through the potential failure scenarios and suggested resolution for each.