# Bank Payout

## Step 1 - Initiate

## This API method is used to initiate a disbursement/payout request for which you will receive a JSON response.

<mark style="color:green;">`POST`</mark> `{base url}/api/v1/payouts/`

{% tabs %}
{% tab title="Payload" %}

```json5
{
    "client": {
        "email": "example@gmail.com",
        "phone": "256700123123",
        "bank_account": "123456789012",
        "country": "UG",
        // "full_name": "Jane Rose",
        // "personal_code": "10231",
        // "tax_number": "70002307552",
        // "city": "Kampala",
        // "street_address": "Ntinda",
        // "zip_code": "124538",
        // "state": "Nakawa"
    },
    "payment": {
        "currency": "UGX",
        "amount": "500",
        "description": "Test Payout"
    },
    "reference": "Your unique transaction reference",
    "brand_id": "{{BrandId}}"
}
```

{% endtab %}

{% tab title="Response" %}

```json5
{
  "id": "7c4ea981-55b1-418a-be23-ea9f5f3e1a91",
  "type": "payout",
  "client": {
    "cc": [],
    "bcc": [],
    "city": "",
    "email": "example@gmail.com",
    "phone": "256700123123",
    "state": "",
    "country": "UG",
    "zip_code": "",
    "bank_code": "",
    "full_name": "",
    "brand_name": "",
    "legal_name": "",
    "tax_number": "",
    "client_type": null,
    "bank_account": "123456789013",
    "personal_code": "",
    "shipping_city": "",
    "shipping_state": "",
    "street_address": "",
    "delivery_methods": [
      {
        "method": "email",
        "options": {}
      },
      {
        "method": "text_message",
        "options": {
          "custom_message": ""
        }
      }
    ],
    "shipping_country": "",
    "shipping_zip_code": "",
    "registration_number": "",
    "shipping_street_address": ""
  },
  "status": "initialized",
  "is_test": false,
  "payment": {
    "amount": 500,
    "paid_on": null,
    "currency": "UGX",
    "fee_amount": 0,
    "net_amount": 500,
    "description": "Test Payout",
    "is_outgoing": true,
    "payment_type": "payout",
    "pending_amount": 0,
    "remote_paid_on": null,
    "owned_bank_code": null,
    "owned_bank_account": null,
    "pending_unfreeze_on": null,
    "owned_bank_account_id": null
  },
  "user_id": null,
  "brand_id": "edd6c020-eac6-4b4e-9716-47928f3401de",
  "reference": "159e12f9-17b7-410d-a7a8-7644e1f1c6b9",
  "company_id": "706d0675-b131-468c-940d-bc0ea3599e7f",
  "created_on": 1747308302,
  "event_type": "payout.created",
  "updated_on": 1747308302,
  "sender_name": "",
  "execution_url": "https://gate.paytota.com/po/7c4ea981-55b1-418a-be23-ea9f5f3e1a91/paytota_proxy/",
  "status_history": [
    {
      "status": "initialized",
      "timestamp": 1747308302
    }
  ],
  "transaction_data": {
    "flow": "payform",
    "extra": {},
    "country": "",
    "attempts": [],
    "payment_method": ""
  },
  "reference_generated": "159e12f9-17b7-410d-a7a8-7644e1f1c6b9",
  "recipient_card_brand": null,
  "recipient_card_country": "",
  "payout_method_whitelist": null
}
```

{% endtab %}

{% tab title="Headers" %}

| Name                                            | Type   | Description          |
| ----------------------------------------------- | ------ | -------------------- |
| Authorization<mark style="color:red;">\*</mark> | String | Bearer Token         |
| Token<mark style="color:red;">\*</mark>         | String | **`{{secret key}}`** |
| Content-Type<mark style="color:red;">\*</mark>  | String | application/json     |

{% endtab %}

{% tab title="Response Status" %}
201: Created
{% endtab %}
{% endtabs %}

## Step 2 - Execute

## Utilize the {{execution\_url}} obtained in step 1 to submit a second request.

<mark style="color:green;">`POST`</mark> `{{execution_url}}`

{% tabs %}
{% tab title="Payload" %}

```json5
{
    "payout_type": "bank",
    "bank_name": "Stanbic Bank",
    "bank_code": "SBICUGKX",
    "bank_account_name": "Jane Rose",
    "bank_account_number": "123456789012"
}
```

{% endtab %}

{% tab title="Response" %}

```json5
// If excute is successful

{
    "status": "pending",
    "details": {
        "return_code": "200",
        "message": "Transaction received for processing",
        "transaction": {
            "status": "pending",
            "internal_reference": "35F1496D9E17485A800D4847F22BC720"
        }
    }
}
```

```json5
{
  "status": "error",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient funds to proceed with operation."
  }
}
```

{% endtab %}

{% tab title="Headers" %}

| Name                                            | Type   | Description          |
| ----------------------------------------------- | ------ | -------------------- |
| Content-Type<mark style="color:red;">\*</mark>  | String | application/json     |
| Authorization<mark style="color:red;">\*</mark> | String | Bearer Token         |
| Token<mark style="color:red;">\*</mark>         | String | **`{{secret key}}`** |
| {% endtab %}                                    |        |                      |

{% tab title="Response Status" %}
200: OK
{% endtab %}
{% endtabs %}

{% hint style="info" %}
You will receive a callback on your webhook URL regarding the status of the transaction

```
Successful transaction  (status = success)
Failed transaction (status = error)
```

{% endhint %}

<details>

<summary>Callback Example</summary>

```json5
{
  "id": "7c4ea981-55b1-418a-be23-ea9f5f3e1a91",
  "type": "payout",
  "client": {
    "cc": [],
    "bcc": [],
    "city": "",
    "email": "example@gmail.com",
    "phone": "256700123123",
    "state": "",
    "country": "UG",
    "zip_code": "",
    "bank_code": "",
    "full_name": "",
    "brand_name": "",
    "legal_name": "",
    "tax_number": "",
    "client_type": null,
    "bank_account": "123456789013",
    "personal_code": "",
    "shipping_city": "",
    "shipping_state": "",
    "street_address": "",
    "delivery_methods": [
      {
        "method": "email",
        "options": {}
      },
      {
        "method": "text_message",
        "options": {
          "custom_message": ""
        }
      }
    ],
    "shipping_country": "",
    "shipping_zip_code": "",
    "registration_number": "",
    "shipping_street_address": ""
  },
  "status": "success",
  "is_test": false,
  "payment": {
    "amount": 500,
    "paid_on": 1747308344,
    "currency": "UGX",
    "fee_amount": 0,
    "net_amount": 500,
    "description": "Test Payout",
    "is_outgoing": true,
    "payment_type": "payout",
    "pending_amount": 0,
    "remote_paid_on": 1747308344,
    "owned_bank_code": null,
    "owned_bank_account": null,
    "pending_unfreeze_on": null,
    "owned_bank_account_id": null
  },
  "user_id": null,
  "brand_id": "edd6c020-eac6-4b4e-9716-47928f3401de",
  "reference": "159e12f9-17b7-410d-a7a8-7644e1f1c6b9",
  "company_id": "706d0675-b131-468c-940d-bc0ea3599e7f",
  "created_on": 1747308302,
  "event_type": "payout.success",
  "updated_on": 1747308344,
  "sender_name": "",
  "execution_url": "https://gate.paytota.com/po/7c4ea981-55b1-418a-be23-ea9f5f3e1a91/paytota_proxy/",
  "status_history": [
    {
      "status": "initialized",
      "timestamp": 1747308302
    },
    {
      "status": "pending",
      "timestamp": 1747308339
    },
    {
      "status": "success",
      "timestamp": 1747308344
    }
  ],
  "transaction_data": {
    "flow": "server_to_server",
    "extra": {
      "webhook_payload": {
        "bank": {
          "bank_code": "SBICUGKX",
          "bank_name": "Stanbic Bank",
          "account_name": "Jane Rose",
          "account_number": "123456789012"
        },
        "client": {
          "city": "",
          "email": "example@gmail.com",
          "state": "",
          "zip_code": "",
          "full_name": "",
          "tax_number": "",
          "personal_code": "",
          "street_address": ""
        },
        "message": "Transaction successful",
        "return_code": "200",
        "transaction": {
          "amount": 500,
          "mobile": "256700123123",
          "status": "successful",
          "country": "UG",
          "currency": "UGX",
          "operator": "SANDBOX",
          "description": "",
          "destination": "bank",
          "transaction_type": "payout",
          "external_reference": "7c4ea981-55b1-418a-be23-ea9f5f3e1a91",
          "internal_reference": "35F1496D9E17485A800D4847F22BC720",
          "operator_reference": "7d795431-a622-42c5-88a3-1354a90621d2"
        }
      }
    },
    "country": "",
    "attempts": [
      {
        "flow": "server_to_server",
        "error": null,
        "extra": {
          "webhook_payload": {
            "bank": {
              "bank_code": "SBICUGKX",
              "bank_name": "Stanbic Bank",
              "account_name": "Jane Rose",
              "account_number": "123456789012"
            },
            "client": {
              "city": "",
              "email": "example@gmail.com",
              "state": "",
              "zip_code": "",
              "full_name": "",
              "tax_number": "",
              "personal_code": "",
              "street_address": ""
            },
            "message": "Transaction successful",
            "return_code": "200",
            "transaction": {
              "amount": 500,
              "mobile": "256700123123",
              "status": "successful",
              "country": "UG",
              "currency": "UGX",
              "operator": "SANDBOX",
              "description": "",
              "destination": "bank",
              "transaction_type": "payout",
              "external_reference": "7c4ea981-55b1-418a-be23-ea9f5f3e1a91",
              "internal_reference": "35F1496D9E17485A800D4847F22BC720",
              "operator_reference": "7d795431-a622-42c5-88a3-1354a90621d2"
            }
          }
        },
        "country": "",
        "client_ip": "",
        "fee_amount": 0,
        "successful": true,
        "payment_method": "paytota_proxy",
        "processing_time": 1747308344
      }
    ],
    "payment_method": "paytota_proxy"
  },
  "reference_generated": "159e12f9-17b7-410d-a7a8-7644e1f1c6b9",
  "recipient_card_brand": "paytota_proxy",
  "recipient_card_country": "",
  "payout_method_whitelist": null
}
```

</details>

## Check Disbursement/Payout Status

## This API method is used to query the payouts/disbursement transaction status using the transaction ID.

<mark style="color:blue;">`GET`</mark> `{base url}/api/v1/payouts/{id}/`

#### Headers

| Name                                            | Type   | Description          |
| ----------------------------------------------- | ------ | -------------------- |
| Content-Type<mark style="color:red;">\*</mark>  | String | application/json     |
| Authorization<mark style="color:red;">\*</mark> | String | Bearer Token         |
| Token<mark style="color:red;">\*</mark>         | String | **`{{secret key}}`** |

{% tabs %}
{% tab title="200: OK " %}

{% endtab %}
{% endtabs %}


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.paytota.com/payments/bank/bank-payout.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.