Sipay Business Api
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  • Turkish
  • English
  1. Overview
Sipay Business Api
English
  • Turkish
  • English
  • Overview
    • Sipay Business API
    • Partner Wallet Flow Guide
  • Authentication
    • Get Access Token
      POST
  • Account
    • Get Business Account
      POST
    • Check Personal Wallet (AccountNumber)
      POST
    • Check Personal Wallet (PhoneNumber)
      POST
  • Wallet
    • Create Wallet For Business Account
      POST
    • Wallet Info
      POST
    • Wallet List By Filter
      POST
  • Transaction
    • Business To Personal Transfer
      POST
    • Business To Business Transfer
      POST
    • Send Money To Bank Account
      POST
    • Transfer To Virement
      POST
  • Transaction Data
    • Transaction Type Code List
    • How to payout status check?
    • Summary Record By Filter
      POST
    • Get Request Withdraw List By Filter
      POST
    • Get Request Withdraw By Ext Id
      POST
    • Transaction Receipt
      POST
  • Webhook
    • Bank Transfer Webhook
    • Top-up Webhook
    • Failed Top-Up Webhook
  1. Overview

Partner Wallet Flow Guide

🎯 Partner Wallet Structure#

Sipay Business API allows fintech partners to integrate their own wallet systems with Sipay’s infrastructure to enable secure, traceable, and sustainable transaction flows.

🔧 Integration Requirements#

1.
Sipay creates a business account and at least one corporate wallet on behalf of the partner.
2.
The partner must request client_credentials, client_id, and client_secret from Sipay to authenticate with the API.

🔁 Payout from Sipay Wallet to User or Bank Account#

(Disbursement Flow)#

1
The partner initiates a payout request for a user through their own system and sends the request to Sipay's API. pertain to the first step.
2
Sipay triggers the transfer using one of the following services:
/v1/Transaction/BusinessToPersonalTransfer
/v1/Transaction/SendMoneyToBankAccount
3
Once the transfer is successfully completed, the transaction is marked as "completed" in the system.
4
The partner monitors the transaction result through one of the following methods:
Active query using the SummaryRecordByFilter service
Instant notification via a registered webhook, if implemented

Implementation Notes#

Each transfer must include a unique ext_transaction_id.
Transactions must be made in TRY currency only.
The partner can check wallet balance and limits using the /v1/Wallet/Info service.
Errors are returned with standard error codes (e.g., 311 – "Insufficient wallet balance", 503 – "IBAN and name mismatch").
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