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Payouts

Last updated: 2026-07-17

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 pre-funding check, read Balances immediately before creating the payout and compare against payoutAvailableMinor for the matching market position.
  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. Send a beneficiary name when the selected route requires it.

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.