Sipay Wallet Api
  1. Overview
Sipay Wallet Api
  • Overview
    • Sipay Business API
    • Partner Wallet Flow Guide
  • Authentication
    • Get Access Token
      POST
  • Account
    • PersonalAccount
      • Register Personal Account
      • Get Personal Account
      • Check Personal Wallet (AccountNumber)
      • Check Personal Wallet (PhoneNumber)
      • Submit KYC Form
      • Personal List By Filter
      • Update Personal Account
      • Get Personal Bank Account List By Filter
    • BusinessAccount
      • Register Business Account
      • Get Business Account
      • Business List By Filter
      • Check Business Wallet
      • Business Account Submit KYC Form
      • Update Business Account
      • Get Business Bank Account List By Filter
      • Create Business Bank Account
      • Update Business Bank Account
    • PersonalAccount & BusinessAccount
      • Account Balance Inquiry
      • Get KYC Detail
      • Tenant Bank List By Filter
  • Digital KYC
    • Status
      POST
    • Get Identity Info
      POST
    • Verify Address
      POST
    • Submit Digital KYC Additional Fields
      POST
    • Completed Digital KYC
      POST
  • Wallet
    • Create Wallet For Business Account
      POST
    • Create Wallet For Personal Account
      POST
    • Wallet Info
      POST
    • Wallet List By Filter
      POST
  • Transaction
    • Topup Credit Card
      • Topup Credit Card
      • Request Refund Topup Credit
    • Wallet To Wallet Transfer
      • Personal To Personal Transfer
      • Personal To Business Transfer
      • Business To Personal Transfer
      • Business To Business Transfer
      • Transfer To Virement
    • Withdraw To Bank
      • Withdrawal To Bank Instant
      • Send Money To Bank Account
    • Payment
      • Payment
      • Refund Payment Instant
    • Cashback
      • Cashback
      • Cashback Credit
    • TR QR Code
      • Read TR QR Code
      • Start TR QR Code
      • Get TR QR Code
    • QR Personal To Personal
      • Create QR Personal To Personal Transfer
      • Read QR Personal To Personal Transfer
      • Check QR Personal To Personal Transfer
      • Approve QR Personal To Personal Transfer
    • QR Payment
      • Create QR Payment
      • Read QR Payment
      • Check QR Payment Status
      • Approve QR Payment
  • Loyalty
    • Add Loyalty Program
    • Increase Loyalty Balance
    • Decrease Loyalty Balance
    • Loyalty Payment
  • Card Package
    • Virtual Card
      • Create Card
      • Get Card Info
    • Physical Card
      • Create Prepaid Card
      • Get Card Last Courier Activity
      • Set Card Active and Set Pin
      • Personalize Noname Prepaid Card
      • Validation For Expire Date and Cvv
    • Virtual Card & Physical Card
      • Get Payment Provider Media List By Filter
      • Set Card Pin
      • Update Card Pin
      • Set Card Random Pin
      • Set Card Mobile Phone
      • Set Card Limit and Restriction
      • Get Card Limit and Restriction
      • Set Card As Active
      • Set Card As Passive
      • Set Card As Lost
      • Close Card As Stolen
      • Close Card Permanently
      • Create Card Inquiry
      • Card Transaction Failed List
  • Metropol Kart Entegrasyonu
    • Add Provider Media To Wallet
    • Create 3rd Party QR Code
    • Begin 3rd Party QR Code Payment
    • Complete 3rd Party QR Code Payment
  • Invoice Payment
    • Get Cities
    • Get Product Types
    • Get Products By City And Type
    • Get Product Detail By Product ID
    • Get Invoices By Product And Subscriber
    • Make Payment
  • Transaction Data
    • Summary Record By Filter
    • Get Request Withdraw List By Filter
    • Get Request Withdraw By Ext Id
    • Transaction Receipt
  • Static Data
    • Get Province City List
    • Get City List By Province ID
    • Get Job List
    • Get Country List
  • Webhook
    • Bankaya Para Transferi Webhook
    • Para Yükleme Webhook
    • Kart Statü Değişimleri Webhook
    • Hesap Statü Değişimleri Webhook
    • KYC Statü Değişimleri Webhook
    • KYC 20 Statü Webhook
    • Dijital KYC Webhook
    • Hesap Bilgileri Değişimi Webhook
    • Kartlı Ödemeler ve İadeleri Webhook
    • Cashback Webhook
    • Cüzdanlar Arası Para Transferi Webhook
  • Webhook EN
    • Bank Transfer Webhook
    • Top-up Webhook
    • Card Status Change Webhook
    • Account Status Change Webhook
    • KYC Status Change Webhook
    • KYC 20 Status Webhook
    • Digital KYC Webhook
    • Account Information Change Webhook
    • Card Payments and Refunds Webhook
    • Cashback Webhook
    • Wallet to Wallet Transfer 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").
Modified at 2025-07-03 08:49:21
Previous
Sipay Business API
Next
Get Access Token
Built with