Payouts

Send money to an individual: winnings, seller balances, contractor pay.

A payout is not a refund. It goes to someone who may never have paid you, and it is a separate product with its own rails and rules.

Rails

Method	Goes to	Currencies	Speed	Can bounce
Card payout `card_payout`	card	Any	Instant	No
SEPA Credit Transfer `sepa_credit_transfer`	bank account	EUR	Next business day	Yes
SEPA Instant `sepa_instant`	bank account	EUR	Seconds	Yes
Faster Payments `faster_payments`	bank account	GBP	Seconds to two hours	Yes

1. Create a recipient

POST /v1/payout-recipients

{
  "type": "card",
  "first_name": "Ana",
  "last_name": "Silva",
  "date_of_birth": "1990-01-01",
  "country": "PT",
  "reference": "winner-001",
  "parent_payment_reference": "57-9-5091179"
}

We never accept a card number. A card recipient is created either from a token issued by the provider, or from a previous payment they made. The bank still holds the card, we hold a reference. Accepting a raw PAN would put both of us in a far heavier PCI DSS regime, so the API has no field for one.

For bank rails, send iban and optionally bic instead. Details are encrypted at rest; only the last four digits are kept readable.

2. Send the payout

POST /v1/payouts

{
  "recipient_id": "6d4ff39f-72fb-44c4-9e13-9c724683d40a",
  "method": "card_payout",
  "amount": 2500,
  "currency": "EUR",
  "reference": "PAYOUT-2026-0001"
}

States

created  →  submitted  →  sent  →  completed
                            │
                            ├──→  failed     (never left)
                            └──→  returned   (left, then came back)

returned is not failed. Failed means the money never left. Returned means it reached the recipient's bank and bounced, days later on SEPA, and your balance moved in between. Handle them differently.

GET /v1/payouts

GET /v1/payouts/{id}

GET /v1/payout-methods

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