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Payouts

Last updated: 2026-09-25

Use payouts to send funds to a beneficiary bank account or mobile money wallet.

Integration sequence​

  1. Choose a market and outbound method from the account catalog.
  2. If the method needs bank or operator detail, call the matching payout discovery operation with the same market and request context.
  3. If your integration performs a funding pre-check, read Balances immediately before the payout. Use confirmed balance data and compare the payout amount plus any applicable payout fee with payoutAvailableMinor for the matching currency, country and scope. If the data is unconfirmed, skip that comparison; it does not by itself mean payouts are disabled.
  4. Create the payout with a unique merchantReference and the detail block that matches paymentMethod.
  5. Store the payment order ID and reconcile the latest status through payment reads and verified webhooks.

For mobile money, treat the discovered operator as opaque and reuse it exactly as returned. Supply the beneficiary name unless omission is explicitly supported for your configured payout path; do not infer that permission from currency alone.

A balance pre-check does not reserve funds and does not replace handling the API response. A temporarily unavailable route can also produce the public method_unavailable reason. See Payouts API for exact request fields and Errors for non-success outcomes.

For example, a timeout after create does not tell you whether a payout exists. Read it by your saved reference before deciding what to do next. An equivalent retry uses the same reference; a new reference could create another payout.