Create a Payout. Send payouts to anyone, anywhere, instantly.
Secret API Key authentication. Required permission: MONEY-OUT
The version of the API. Value: "2025-09-09"
Unique reference assigned to the payout for idempotency.
When it comes to sending money, one risk that often arises is double transaction due to Timeout or any communication problem during the request. The Idempotency Key is the main differentiator for each Payout submitted to the Xendit system.
Behaviors:
- Same Idempotency Key + different request body →
DUPLICATE_ERROR - Same Idempotency Key + same request body → returns the initial Payout Object from the first attempt
The Idempotency Key is scoped per business ID — two merchants can safely use the same key without conflict. If left blank, Xendit will assign a random UUID.
Create Domestic Payout to Wallet
{
"reference_id": "payout-ref-002",
"recipient": {
"type": "INDIVIDUAL",
"given_name": "Maria",
"surname": "Santos",
"relationship": "CUSTOMER",
"account_details": {
"currency": "PHP",
"account_country": "PH",
"account_holder_name": "Maria Santos",
"account_number": "09171234567",
"routing_type_1": "wallet",
"routing_value_1": "GCASH"
}
},
"payout_details": {
"source_currency": "PHP",
"source_amount": 50000,
"destination_currency": "PHP"
},
"source_of_fund": "BUSINESS_REVENUE",
"purpose_code": "SALARY",
"description": "Freelancer payment"
}Create Cross-Border Payout
{
"reference_id": "payout-ref-001",
"recipient": {
"type": "INDIVIDUAL",
"given_name": "John",
"surname": "Doe",
"relationship": "CUSTOMER",
"details": {
"nationality": "US",
"date_of_birth": "1990-05-15"
},
"account_details": {
"currency": "USD",
"account_country": "US",
"account_holder_name": "John Doe",
"account_number": "1234567890",
"routing_type_1": "aba",
"routing_value_1": "021000021"
}
},
"payout_details": {
"source_currency": "IDR",
"source_amount": 1000000,
"destination_currency": "USD"
},
"source_of_fund": "BUSINESS_REVENUE",
"purpose_code": "SALARY",
"description": "Monthly salary payment"
}ID provided by merchant to identify the request
Contains sender information. Only allowed for FIs (Financial Institutions)
Entity type of the sender
Name of the business sender. Required if type is BUSINESS
First name of the sender. Required if type is INDIVIDUAL
Last name of the sender. Required if type is INDIVIDUAL
First non-roman name of the sender
Last non-roman name of the sender
Details of the sender
Date of birth
Country of birth. Format: ISO 3166-2 Country Code
Nationality. Format: ISO 3166-2 Country Code
Personal ID type
Personal ID value
Personal ID expiration date
Personal ID country of issuance. Format: ISO 3166-2 Country Code
Personal email
Personal mobile number. Supports E.164 international format and local formats
Gender
Occupation
Date of incorporation of the business sender
Registration number of the business sender
Phone number of the business sender
Nature of business
Address details of the sender
Country. Format: ISO 3166-2 Country Code
Province, state or region
City, village or town
Line 1 of street address e.g., building name and apartment number
Line 2 of street address e.g., street number and name
ZIP/Postal Code
Contains recipient information
Entity type of the recipient
Name of the business recipient. Required if type is BUSINESS
First name of the recipient. Required if type is INDIVIDUAL
Last name of the recipient. Required if type is INDIVIDUAL
First non-roman name of the recipient
Last non-roman name of the recipient
Recipient's relationship to the sender in the context of the transaction
Details of the recipient
Date of birth
Country of birth. Format: ISO 3166-2 Country Code
Nationality. Format: ISO 3166-2 Country Code
Personal ID type
Personal ID value
Personal ID expiration date
Personal ID country of issuance. Format: ISO 3166-2 Country Code
Personal email
Personal mobile number. Supports E.164 international format and local formats
Gender
Occupation
Date of incorporation of the business recipient
Registration number of the business recipient
Phone number of the business recipient
Nature of business
Recipient's account details where the payment will be credited
Currency of the account. Format: ISO 4217 Currency Code
Account country code. Format: ISO 3166-2 Country Code
Account name of the recipient's account
Account number
Routing code type
Routing type value
Routing code subtype (reserved for future supported corridors)
Routing subtype value
Account type
Address details of the recipient
Country. Format: ISO 3166-2 Country Code
Province, state or region
City, village or town
Line 1 of street address e.g., building name and apartment number
Line 2 of street address e.g., street number and name
ZIP/Postal Code
Detailed information about the payout
Quote ID received from Create Quote API
Origin currency of the Payout. Required if quote_id is not provided
Source amount in source currency, in minor units. Must be empty if destination_amount is filled.
A minor unit is the smallest unit of a currency. Most currencies have 2 decimals, others have 0.
Examples: PHP 10.00 → 1000, IDR 10 → 10.
Destination currency of the Payout. Required if quote_id is not provided
Payout amount in destination currency, in minor units. Must be empty if source_amount is filled.
A minor unit is the smallest unit of a currency. Most currencies have 2 decimals, others have 0.
Examples: PHP 10.00 → 1000, IDR 10 → 10.
Source of fund of the payout
Purpose of the payout
Free text description shown in recipient's bank statement, if supported
Underlying document attachments
Type of the document
Reference number of the document
File ID of the document
Object of additional information the merchant may use
The request has succeeded.
Create Domestic Payout to Wallet
{
"payout_id": "po-b2c3d4e5-f6a7-8901-bcde-f23456789012",
"status": "ACCEPTED",
"reference_id": "payout-ref-002",
"type": "B2C",
"source_currency": "PHP",
"source_amount": 50000,
"destination_currency": "PHP",
"destination_amount": 50000,
"sender": {
"type": "BUSINESS",
"business_name": "Acme Corp"
},
"recipient": {
"type": "INDIVIDUAL",
"given_name": "Maria",
"surname": "Santos",
"relationship": "CUSTOMER",
"account_details": {
"currency": "PHP",
"account_country": "PH",
"account_holder_name": "Maria Santos",
"account_number": "09171234567",
"routing_type_1": "wallet",
"routing_value_1": "GCASH"
}
},
"source_of_fund": "BUSINESS_REVENUE",
"purpose_code": "SALARY",
"description": "Freelancer payment",
"created": "2025-06-11T08:00:00Z",
"updated": "2025-06-11T08:00:00Z",
"estimated_arrival_time": "2025-06-11T08:05:00Z",
"business_id": "6018306aa16ad90cb3c43ba7"
}Create Cross-Border Payout
{
"payout_id": "po-a1b2c3d4-e5f6-7890-abcd-ef1234567890",
"status": "ACCEPTED",
"reference_id": "payout-ref-001",
"type": "B2C",
"source_currency": "IDR",
"source_amount": 1000000,
"destination_currency": "USD",
"destination_amount": 63,
"sender": {
"type": "BUSINESS",
"business_name": "Acme Corp"
},
"recipient": {
"type": "INDIVIDUAL",
"given_name": "John",
"surname": "Doe",
"relationship": "CUSTOMER",
"account_details": {
"currency": "USD",
"account_country": "US",
"account_holder_name": "John Doe",
"account_number": "1234567890",
"routing_type_1": "aba",
"routing_value_1": "021000021"
}
},
"source_of_fund": "BUSINESS_REVENUE",
"purpose_code": "SALARY",
"description": "Monthly salary payment",
"created": "2025-06-10T10:30:00Z",
"updated": "2025-06-10T10:30:00Z",
"estimated_arrival_time": "2025-06-10T12:00:00Z",
"business_id": "6018306aa16ad90cb3c43ba7"
}Payout Object
Unique payout id in UUID format, prefixed with po-
Status of the payout. See Payout Status Lifecycle
ID provided by merchant to identify the request
Payout type
Payout reference from Xendit's processor
Origin currency of the Payout
Origin amount of the Payout in minor units.
A minor unit is the smallest unit of a currency. Most currencies have 2 decimals, others have 0.
Examples: PHP 10.00 → 1000, IDR 10 → 10.
Destination currency of the Payout
Destination amount of the Payout in minor units.
A minor unit is the smallest unit of a currency. Most currencies have 2 decimals, others have 0.
Examples: PHP 10.00 → 1000, IDR 10 → 10.
Contains sender information
Entity type of the sender
Name of the business sender. Required if type is BUSINESS
First name of the sender. Required if type is INDIVIDUAL
Last name of the sender. Required if type is INDIVIDUAL
First non-roman name of the sender
Last non-roman name of the sender
Details of the sender
Date of birth
Country of birth. Format: ISO 3166-2 Country Code
Nationality. Format: ISO 3166-2 Country Code
Personal ID type
Personal ID value
Personal ID expiration date
Personal ID country of issuance. Format: ISO 3166-2 Country Code
Personal email
Personal mobile number. Supports E.164 international format and local formats
Gender
Occupation
Date of incorporation of the business sender
Registration number of the business sender
Phone number of the business sender
Nature of business
Address details of the sender
Country. Format: ISO 3166-2 Country Code
Province, state or region
City, village or town
Line 1 of street address e.g., building name and apartment number
Line 2 of street address e.g., street number and name
ZIP/Postal Code
Contains recipient information
Entity type of the recipient
Name of the business recipient. Required if type is BUSINESS
First name of the recipient. Required if type is INDIVIDUAL
Last name of the recipient. Required if type is INDIVIDUAL
First non-roman name of the recipient
Last non-roman name of the recipient
Recipient's relationship to the sender in the context of the transaction
Details of the recipient
Date of birth
Country of birth. Format: ISO 3166-2 Country Code
Nationality. Format: ISO 3166-2 Country Code
Personal ID type
Personal ID value
Personal ID expiration date
Personal ID country of issuance. Format: ISO 3166-2 Country Code
Personal email
Personal mobile number. Supports E.164 international format and local formats
Gender
Occupation
Date of incorporation of the business recipient
Registration number of the business recipient
Phone number of the business recipient
Nature of business
Recipient's account details where the payment will be credited
Currency of the account. Format: ISO 4217 Currency Code
Account country code. Format: ISO 3166-2 Country Code
Account name of the recipient's account
Account number
Routing code type
Routing type value
Routing code subtype (reserved for future supported corridors)
Routing subtype value
Account type
Address details of the recipient
Country. Format: ISO 3166-2 Country Code
Province, state or region
City, village or town
Line 1 of street address e.g., building name and apartment number
Line 2 of street address e.g., street number and name
ZIP/Postal Code
Source of fund of the payout
Purpose of the payout
Free text description shown in recipient's bank statement, if supported
Underlying document attachments
Type of the document
Reference number of the document
File ID of the document
Timestamp when the payout was made. Format: ISO 8601, UTC+0
Timestamp when the payout was last updated. Format: ISO 8601, UTC+0
Estimated time of arrival of funds in destination account. UTC+0
Failure reason of the Payout. See Payout Status Lifecycle
Your Xendit Business ID
Object of additional information the merchant may use
Bad request
Unauthorized
Forbidden
Not found
Conflict
Internal server error