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Payouts allow transferring funds to third parties from accounts. Currently, the system supports Original Credit Transactions (OCT) via cards only, though support for additional instruments and payout use-cases is planned for the near future.

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Creating a payout

To create a new payout, the following details need to be provided.
  • The amount & currency to pay out to the recipient
  • The card instrument to pay out to; this can be either a stored card or inline card details
  • The ID of the payment service to process the request via
  • The buyer (recipient) details in the form of an inline buyer record, or the ID/external identifier of a stored buyer.
{
    "amount": 20000,
    "currency": "USD",
    "payment_service_id": "30dd07ba-2b26-4d56-82cb-6b34c827b3d4",
    "buyer": {
        "display_name": "John Smith",
        "billing_details": {
            "first_name": "John",
            "last_name": "Smith",
            "email_address": "john@example.com",
            "address": {
                "postal_code": "789123",
            }
        }
    },
    "payment_method": {
        "method": "card",
        "number": "4242424242424242",
        "expiration_date": "01/30"
    }
}

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Stored buyer or payment method

The buyer object can be replaced with a previously stored buyer using either the buyer_id or the buyer_external_identifier. Likewise, a previously stored payment method can be used: 
{
    "amount": 20000,
    "currency": "USD",
    "payment_service_id": "30dd07ba-2b26-4d56-82cb-6b34c827b3d4",
    "buyer_id": "16727c7c-8ba2-4391-b4f8-7bddfa2f298c"
    "payment_method": {
        "method": "id",
        "id": "b6c67478-5b17-4110-ba2e-eb98790aad4f"
    }
}

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Limitations

A few limitations can be expected when making payouts.
  • Some payment services may have strict requirements for the buyer billing details passed as part of the request. Please see the PSP’s developer documentation for more details.
  • Some payment services may require payouts to be explicitly enabled. Please contact the PSP’s support team for more details.
  • Some payment services may require additional fields to be supplied that are specific to that integration. For this the connection_options object has been introduced in the API. Please see the API specification for more details.