First-party Payouts

First-party payouts move funds from a customer wallet to that customer's own external bank account. Import the account, create a payout quote, execute the payout, and track the resulting transfer.

External account import and bank-account payout quotes require the matching customer rail to be ready_to_use. If the rail is missing or still under review, the API returns 409 rail_not_ready with requiredRails, requestRailEndpoint, and nextAction.

First-party Payout Workflow

accountHolderName must match the legal name on the destination bank account. Do not use display names or profile names.

External Account Import Bodies

External account imports require a type discriminator. Use the shape that matches the rail you plan to pay out through.

SEPA account:

{
  "type": "sepa",
  "country": "DE",
  "currency": "EUR",
  "relationship": "self",
  "accountHolderName": "Ada Lovelace",
  "iban": "DE89370400440532013000",
  "bic": "COBADEFFXXX",
  "bankName": "Commerzbank"
}

ACH account:

{
  "type": "ach",
  "country": "US",
  "currency": "USD",
  "relationship": "self",
  "accountHolderName": "Ada Lovelace",
  "routingNumber": "021000021",
  "accountNumber": "123456789",
  "accountType": "checking",
  "bankName": "JPMorgan Chase"
}

Fedwire account:

{
  "type": "fedwire",
  "country": "US",
  "currency": "USD",
  "relationship": "self",
  "accountHolderName": "Ada Lovelace",
  "routingNumber": "021000021",
  "accountNumber": "123456789",
  "bankName": "JPMorgan Chase"
}

Endpoint Sequence

POST /v1/customers/{customerId}/accounts/import
GET /v1/customers/{customerId}/accounts
POST /v1/payout/quote
POST /v1/payout
GET /v1/transfers/{id}

API Reference

Operation	Use it for
`POST /v1/customers/{customerId}/accounts/import`	Import the customer's external bank account.
`GET /v1/customers/{customerId}/accounts`	List available customer accounts.
`POST /v1/payout/quote`	Create a payout quote.
`POST /v1/payout`	Execute a payout.
`GET /v1/transfers/{id}`	Track the payout transfer.

First-party Payout Workflow

External Account Import Bodies

Endpoint Sequence

API Reference

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