Card Payouts

Make a payout to a recipient's credit or debit card.

Send funds to your recipient's debit or credit card using Payouts. Please note card payouts are only available to Visa and Mastercard cards.

If you have any questions about creating payouts, reach out to your Finix Point of Contact or Finix Support.

Step 1: Create a Recipient Identity

The first step for making a payout is creating a RECIPIENT Identity to represent who you'll send funds to. The Identity resource helps manage bank accounts, cards, payout history, and the details of your customers. You can create either PERSONAL or BUSINESS Recipients.

Required field

Optional field

Invalid field

Field	`type: PERSONAL`	`type: BUSINESS`
Type `type`
First Name `first_name`
Last Name `last_name`
Personal Address `personal_address`
Business Name `business_name`
Doing Business As `doing_business_as`
Business Address `business_address`
Business Phone `business_phone`
Personal Email `email`
Personal Phone `phone`

Personal RecipientBusiness Recipient

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curl https://finix.sandbox-payments-api.com/identities \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '{
      "entity": {
        "first_name": "John",
        "last_name": "Doe",
        "personal_address": {
          "line1": "741 Douglass St",
          "line2": "Apartment 7",
          "city": "San Mateo",
          "region": "CA",
          "postal_code": "94114",
          "country": "USA"
        }
      },
      "identity_roles": [
        "RECIPIENT"
      ],
      "type": "PERSONAL"
    }'

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Copied

curl https://finix.sandbox-payments-api.com/identities \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '{
      "entity": {
        "first_name": "John",
        "last_name": "Doe",
        "personal_address": {
          "line1": "741 Douglass St",
          "line2": "Apartment 7",
          "city": "San Mateo",
          "region": "CA",
          "postal_code": "94114",
          "country": "USA"
        },
        "business_name": "ABC Corporation",
        "doing_business_as": "ABC Corp",
        "business_address": {
          "line1": "123 Main Street",
          "line2": "Suite 101",
          "city": "San Francisco",
          "region": "CA",
          "postal_code": "94114",
          "country": "USA"
        }
      },
      "identity_roles": [
        "RECIPIENT"
      ],
      "type": "BUSINESS"
    }'

This will create a Recipient Identity:

Personal RecipientBusiness Recipient

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{
    "id": "ID2dgoqygWvVthU9kQBKz7t4",
    "created_at": "2024-07-31T18:28:05.92Z",
    "updated_at": "2024-07-31T18:28:05.92Z",
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "entity": {
        "ach_max_transaction_amount": 0,
        "amex_mid": null,
        "annual_card_volume": 0,
        "business_address": null,
        "business_name": null,
        "business_phone": null,
        "business_tax_id_provided": false,
        "business_type": null,
        "default_statement_descriptor": null,
        "discover_mid": null,
        "dob": null,
        "doing_business_as": null,
        "email": null,
        "first_name": "John",
        "has_accepted_credit_cards_previously": false,
        "incorporation_date": null,
        "last_name": "Doe",
        "max_transaction_amount": 0,
        "mcc": null,
        "ownership_type": null,
        "personal_address": {
            "line1": "741 Douglass St",
            "line2": "Apartment 7",
            "city": "San Mateo",
            "region": "CA",
            "postal_code": "94114",
            "country": "USA"
        },
        "phone": null,
        "principal_percentage_ownership": null,
        "short_business_name": null,
        "tax_authority": null,
        "tax_id_provided": false,
        "title": null,
        "url": null
    },
    "identity_roles": ["RECIPIENT"],
    "tags": {},
    "type": "PERSONAL",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/verifications"
        },
        "merchants": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/merchants"
        },
        "settlements": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/settlements"
        },
        "authorizations": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/authorizations"
        },
        "transfers": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/transfers"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/payment_instruments"
        },
        "associated_identities": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/associated_identities"
        },
        "disputes": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/disputes"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        }
    }
}

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{
    "id": "ID6a5FiSiDxTwYJ5n8RJdRb5",
    "created_at": "2024-07-31T18:28:35.84Z",
    "updated_at": "2024-07-31T18:28:35.84Z",
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "entity": {
        "ach_max_transaction_amount": 0,
        "amex_mid": null,
        "annual_card_volume": 0,
        "business_address": {
            "line1": "123 Main Street",
            "line2": "Suite 101",
            "city": "San Francisco",
            "region": "CA",
            "postal_code": "94114",
            "country": "USA"
        },
        "business_name": "ABC Corporation",
        "business_phone": null,
        "business_tax_id_provided": false,
        "business_type": null,
        "default_statement_descriptor": null,
        "discover_mid": null,
        "dob": null,
        "doing_business_as": "ABC Corp",
        "email": null,
        "first_name": "John",
        "has_accepted_credit_cards_previously": false,
        "incorporation_date": null,
        "last_name": "Doe",
        "max_transaction_amount": 0,
        "mcc": null,
        "ownership_type": null,
        "personal_address": {
            "line1": "741 Douglass St",
            "line2": "Apartment 7",
            "city": "San Mateo",
            "region": "CA",
            "postal_code": "94114",
            "country": "USA"
        },
        "phone": null,
        "principal_percentage_ownership": null,
        "short_business_name": null,
        "tax_authority": null,
        "tax_id_provided": false,
        "title": null,
        "url": null
    },
    "identity_roles": ["RECIPIENT"],
    "tags": {},
    "type": "BUSINESS",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID6a5FiSiDxTwYJ5n8RJdRb5"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID6a5FiSiDxTwYJ5n8RJdRb5/verifications"
        },
        "merchants": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID6a5FiSiDxTwYJ5n8RJdRb5/merchants"
        },
        "settlements": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID6a5FiSiDxTwYJ5n8RJdRb5/settlements"
        },
        "authorizations": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID6a5FiSiDxTwYJ5n8RJdRb5/authorizations"
        },
        "transfers": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID6a5FiSiDxTwYJ5n8RJdRb5/transfers"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID6a5FiSiDxTwYJ5n8RJdRb5/payment_instruments"
        },
        "associated_identities": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID6a5FiSiDxTwYJ5n8RJdRb5/associated_identities"
        },
        "disputes": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID6a5FiSiDxTwYJ5n8RJdRb5/disputes"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        }
    }
}

Step 2: Add a Payment Instrument for the Recipient

attention

Creating Payment Instruments and passing payment details (account number, card number, etc.) directly via the API should only be done for testing purposes and by PCI Level 1 compliant entities. If you aren't a Level 1 PCI-compliant entity, you must use our Tokenization Forms or Mobile Tokenization to accept payment details and comply with PCI regulations. If you have any questions, please don't hesitate to reach out to your Finix point of contact or email the Finix Support team.

Now that we've created an Identity for our recipient, we'll need to create a Payment Instrument using the recipient's card details. A Payment Instrument represents the recipient's payment method that will receive funds. When creating Payment Instruments for Payouts, attempt_bank_account_validation_check must be set to true.

If you have any questions about creating Payment Instruments, reach out to your Finix Point of Contact or Finix Support.

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curl https://finix.sandbox-payments-api.com/payment_instruments \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u US9bhCUqoTxo7V6di8ceb3Td:e704591a-1972-4b41-9884-6a67f5d7cdbb \
    -d '{
      "address": {
          "city": "San Francisco",
          "country": "USA",
          "line1": "900 Metro Center Blv",
          "postal_code": "94404",
          "region": "CA"
      },
      "expiration_month": 12,
      "expiration_year": 2029,
      "identity": "IDoFbnXcAmPPU2i4YKu8Mhr4",
      "name": "John Smith",
      "number": "5200820000007201",
      "security_code": "022",
      "tags": {
          "card_name": "Business Card"
      },
      "type": "PAYMENT_CARD"
  }'

Example response:

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{
    "id": "PIxjVj1SCbcesKGtE71oW9En",
    "created_at": "2023-12-02T01:04:55.68Z",
    "updated_at": "2023-12-02T01:04:55.68Z",
    "application": "AP5Tq3MMxKwHYX7soDncrCQ3",
    "created_via": "API",
    "currency": "USD",
    "disabled_code": null,
    "disabled_message": null,
    "enabled": true,
    "fingerprint": "FPRihepew9PmKPKA1upHe8XXL",
    "identity": "IDoFbnXcAmPPU2i4YKu8Mhr4",
    "instrument_type": "PAYMENT_CARD",
    "address": {
        "line1": "900 Metro Center Blv",
        "line2": null,
        "city": "San Francisco",
        "region": "CA",
        "postal_code": "94404",
        "country": "USA"
    },
    "address_verification": "UNKNOWN",
    "bin": "520082",
    "brand": "MASTERCARD",
    "card_type": "DEBIT",
    "expiration_month": 12,
    "expiration_year": 2029,
    "issuer_country": "NON_USA",
    "last_four": "7201",
    "name": "John Smith",
    "security_code_verification": "UNKNOWN",
    "tags": {
        "card_name": "Business Card"
    },
    "type": "PAYMENT_CARD",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En"
        },
        "authorizations": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En/authorizations"
        },
        "transfers": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En/transfers"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En/verifications"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/AP5Tq3MMxKwHYX7soDncrCQ3"
        },
        "identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDoFbnXcAmPPU2i4YKu8Mhr4"
        },
        "updates": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En/updates"
        }
    }
}

HTTP Request

POST https://finix.sandbox-payments-api.com/payment_instruments

Request Arguments

Field	Type	Description
`address`	object, required	The address of the card owner.
`expiration_month`	integer, required	The expiration month of the card (e.g. 12 for December).
`expiration_year`	integer, required	The 4-digit expiration year of the card.
`identity`	string, required	The ID of the `Identity` used to create the `Payment Instrument`.
`name`	string, optional	The name of the card owner. This value can get truncated to comply with processor requirements.
`number`	string, required	The card number (no dashes in between numbers).
`security_code`	string, required	The 3-4 digit security code of the card (i.e. CVV code).
`type`	string, required	Type of `Payment Instrument` (for cards input PAYMENT_CARD).

Address-object Request Arguments

Field	Type	Description
`city`	string, optional	City (max 20 characters)
`country`	string, optional	3-Letter Country code
`line1`	string, optional	First line of the address (max 20 characters)
`line2`	string, optional	Second line of the address (max 35 characters)
`postal_code`	string, required	Zip or Postal code (max 7 characters)
`region`	string, optional	2-letter State code

Step 3: Verify the Payment Instrument

Now that we've associated a payment instrument with a recipient, we'll need to verify whether or not the card is eligible to receive push-to-card disbursements.

Luckily, you've already done most of the heavy lifting. Just make making the following request to the Verifications endpoint.

The Verification resource that gets returned includes a set of general attributes and details about the card in question (e.g. card type, issuer information, etc.).

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curl https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En/verifications \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u US9bhCUqoTxo7V6di8ceb3Td:e704591a-1972-4b41-9884-6a67f5d7cdbb \
    -d '{
      "processor": "DUMMY_V1"
    }'

Example response:

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{
    "id": "VIffDtxJe3LWw2CkjYzWpy7y",
    "created_at": "2023-12-02T01:05:49.15Z",
    "updated_at": "2023-12-02T01:05:49.20Z",
    "application": "AP5Tq3MMxKwHYX7soDncrCQ3",
    "identity": null,
    "merchant": null,
    "merchant_identity": null,
    "messages": [],
    "payment_instrument": "PIxjVj1SCbcesKGtE71oW9En",
    "payment_instrument_verification_details": {
        "push_to_card_domestic": null,
        "push_to_card_cross_border": null,
        "card_type": null,
        "billing_currency": null,
        "issuer_country": "UNKNOWN"
    },
    "processor": "DUMMY_V1",
    "raw": null,
    "state": "PENDING",
    "tags": {},
    "trace_id": "96be3a15-d72e-485a-828c-8d0c23f16e64",
    "type": "PAYMENT_INSTRUMENT",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/verifications/VIffDtxJe3LWw2CkjYzWpy7y"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/AP5Tq3MMxKwHYX7soDncrCQ3"
        },
        "payment_instrument": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En"
        }
    }
}

HTTP Request

POST https://finix.sandbox-payments-api.com/payment_instruments/payment_instrument_id/verifications

URL Parameters

`Parameter`	Description
`payment_instrument_id`	ID of the `Payment Instrument`

Request Arguments

Field	Type	Description
`country`	string, optional	3-Letter Country code.
`processor`	string, required	The name of the processor. Reach out to your reach out to your Finix point of contact or email Finix Support.

Payment Instrument Verification Result Codes

Card Type (card_type)

This code indicates whether the card is credit, debit, or prepaid.

`CODE`	Description
`CREDIT`	Credit or Charge Card
`DEBIT`	Debit or Deferred Debit Card
`HSA_FSA`	HSA or FSA Card
`RELOADABLE_PREPAID`	Reloadable Prepaid Card
`UNRELOADABLE_PREPAID`	Unreloadable Prepaid Card
`UNKNOWN`	Unknown

Push to Card Domestic (push_to_card_domestic)

This field is used to indicate push and pull from card functionality is supported domestically for this instrument.

`CODE`	Description
`FAST_FUNDS`	Indicates fast fund movement is supported for this instrument
`NON_FAST_FUNDS`	Indicates movement is supported for this instrument
`NOT_SUPPORTED`	Indicates this instrument is not supported
`UNKNOWN`	Unexpected verification result

Push to Card Cross Border (push_to_card_cross_border)

This field is used to indicate push and pull from card functionality is supported cross border for this instrument.

`CODE`	Description
`FAST_FUNDS`	Indicates fast fund movement is supported for this instrument
`NON_FAST_FUNDS`	Indicates movement is supported for this instrument
`NOT_SUPPORTED`	Indicates this instrument is not supported
`UNKNOWN`	Unexpected verification result

Raw Message Response Arguments

Address Verification Results (address_verification_results)

`Letter`	Description
D, F, M, Y	Address verified
A, B, C, G, I, N, P, R, S, U, W	Address not verified
`Z`	Postal/ZIP match, street addresses do not match or street address not included in request

Card Verification 2 Results (cvv2_result_code)

`Letter`	Description
`M`	CVV and expiration verified
N, P, S	Either CVV or expiration date is incorrect
`U`	Issuer does not participate in CVV2 service

Card Type (card_type_code)

This one-character code indicates whether the account is credit, debit, prepaid, deferred debit, or charge.

`Letter`	Description
`C`	Credit
`D`	Debit
`H`	Charge Card
`P`	Prepaid
`R`	Deferred Debit

Fast Funds Indicator (fast_funds_indicator)

Indicates whether or not the card is Fast Funds eligible (i.e. if the funds will settle in 30 mins or less). If not eligible, typically funds will settle within 2 business days.

`Letter`	Description
`B`	Fast Funds eligible for all transactions
`D`	Fast Funds eligible for only domestic transactions
`N`	Not eligible for Fast Funds

Push Funds Indicator (push_funds_block_indicator)

This code indicates if the associated card can receive push-to-card disbursements.

`Letter`	Description
A, B, C	Accepts push-to-card payments
`N`	Does not accept push-to-card payments

Online Gambling Block Indicator (online_gambing_block_indicator)

Indicates if the card can receive push-payments for online gambling payouts.

`Letter`	Description
`Y`	Blocked for online gambling payouts
`N`	Not blocked for online gambling payouts

Card Product ID (card_product_id)

A combination of card brand, platform, class and scheme.

`Letter`	Description
`A`	Visa Traditional
`AX`	American Express
`B`	Visa Traditional Rewards
`C`	Visa Signature
`D`	Visa Signature Preferred
`DI`	Discover
`DN`	Diners
`E`	Proprietary ATM
`F`	Visa Classic
`G`	Visa Business
`G1`	Visa Signature Business
`G2`	Visa Business Check Card
`G3`	Visa Business Enhanced
`G4`	Visa Infinite Business
`G5`	Visa Business Rewards
`I`	Visa Infinite
`I1`	Visa Infinite Privilege
`I2`	Visa UHNW
`J3`	Visa Healthcare
`JC`	JCB
`K`	Visa Corporate T&E
`K1`	Visa Government Corporate T&E
`L`	Visa Electron
`M`	MasterCard
`N`	Visa Platinum
`N1`	Visa Rewards
`N2`	Visa Select
`P`	Visa Gold
`Q`	Private Label
`Q1`	Private Label Prepaid
`Q2`	Private Label Basic
`Q3`	Private Label Standard
`Q4`	Private Label Enhanced
`Q5`	Private Label Specialized
`Q6`	Private Label Premium
`R`	Proprietary
`S`	Visa Purchasing
`S1`	Visa Purchasing with Fleet
`S2`	Visa Government Purchasing
`S3`	Visa Government Purchasing with Fleet
`S4`	Visa Commercial Agriculture
`S5`	Visa Commercial Transport
`S6`	Visa Commercial Marketplace
`U`	Visa Travel Money
`V`	Visa V PAY

Product Sub-Type (card_product_subtype)

Description of product subtype.

`Letter`	Description
`AC`	Agriculture Maintenance Account
`AE`	Agriculture Debit Account/Electron
`AG`	Agriculture
`AI`	Agriculture Investment Loan
`CG`	Brazil Cargo
`CS`	Construction
`DS`	Distribution
`HC`	Healthcare
`LP`	Visa Large Purchase Advantage
`MA`	Visa Mobile Agent
`MB`	Interoperable Mobile Branchless Banking
`MG`	Visa Mobile General
`VA`	Visa Vale - Supermarket
`VF`	Visa Vale - Fuel
`VR`	Visa Vale - Restaurant

Card Sub-Type (card_subtype_code)

The code for account funding source subtype, such as reloadable and non-reloadable.

`Letter`	Description
`N`	Non-Reloadable
`R`	Reloadable

Step 4: Verify and Onboard the Recipient Account

Now that we've associated a Payment Instrument with our recipient's Identity we're ready to provision a recipient account. This is the last step before you can begin paying out a recipient Identity. Luckily you've already done most of the heavy lifting - make one final POST request, a Merchant resource will get returned.

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curl https://finix.sandbox-payments-api.com/identities/IDh3wzPh9tFjodGvzyy23anK/merchants \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u USte61SqeNkAZnpfavK3fQNG:bd98703c-d72c-458e-8873-4295f5bac713 \
    -d '{
      "processor": "DUMMY_V1"
    }'

Example response:

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{
    "id": "MUiYhqXdeyd4SufJCtzASW9V",
    "created_at": "2023-12-02T01:06:54.57Z",
    "updated_at": "2023-12-02T01:06:54.57Z",
    "application": "AP5Tq3MMxKwHYX7soDncrCQ3",
    "card_cvv_required": false,
    "card_expiration_date_required": true,
    "convenience_charges_enabled": false,
    "country": "USA",
    "creating_transfer_from_report_enabled": false,
    "currencies": ["USD"],
    "default_partial_authorization_enabled": false,
    "disbursements_ach_pull_enabled": false,
    "disbursements_ach_push_enabled": true,
    "disbursements_card_pull_enabled": false,
    "disbursements_card_push_enabled": true,
    "fee_ready_to_settle_upon": "PROCESSOR_WINDOW",
    "gateway": null,
    "gross_settlement_enabled": false,
    "identity": "IDoFbnXcAmPPU2i4YKu8Mhr4",
    "level_two_level_three_data_enabled": false,
    "mcc": null,
    "merchant_name": "John Smith",
    "merchant_profile": "MPobV95YXNLua94jCnpJsvJS",
    "mid": null,
    "onboarding_state": "PROVISIONING",
    "processing_enabled": false,
    "processor": "DUMMY_V1",
    "processor_details": {},
    "ready_to_settle_upon": "PROCESSOR_WINDOW",
    "rent_surcharges_enabled": false,
    "settlement_enabled": false,
    "settlement_funding_identifier": "UNSET",
    "surcharges_enabled": false,
    "tags": {},
    "verification": "VIx3SHyTCWiykSWcEdXaowES",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/merchants/MUiYhqXdeyd4SufJCtzASW9V"
        },
        "identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDoFbnXcAmPPU2i4YKu8Mhr4"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/merchants/MUiYhqXdeyd4SufJCtzASW9V/verifications"
        },
        "merchant_profile": {
            "href": "https://finix.sandbox-payments-api.com/merchant_profiles/MPobV95YXNLua94jCnpJsvJS"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/AP5Tq3MMxKwHYX7soDncrCQ3"
        },
        "verification": {
            "href": "https://finix.sandbox-payments-api.com/verifications/VIx3SHyTCWiykSWcEdXaowES"
        }
    }
}

HTTP Request

POST https://finix.sandbox-payments-api.com/identities/identity_id/merchants

Request Arguments

Field	Type	Description
`processor`	string, required	Name of the verification processor.

Step 5: Send Payout

Next you'll need to create a Transfer. A Transfer represents any flow of funds either to or from a Payment Instrument. In this case a payout to a debit or credit card.

To create a Transfer:

Include the ID of the Payment Instrument of the previously tokenized bank account as the destination.
In amount, set the funds to send in cents. In the below example, $151.00 is getting paid out.

Transfers can have two possible states SUCCEEDED and FAILED.

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curl https://finix.sandbox-payments-api.com/transfers \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u US9bhCUqoTxo7V6di8ceb3Td:e704591a-1972-4b41-9884-6a67f5d7cdbb \
    -d '{
      "amount": 15000,
      "currency": "USD",
      "destination": "PIxjVj1SCbcesKGtE71oW9En",
      "operation_key": "PUSH_TO_CARD",
      "tags": {
          "order_number": "21DFASJSAKAS"
      }
    }'

Example response:

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{
    "id": "TRkiwUjvxPneNvatWyqPoDNB",
    "created_at": "2022-10-10T04:11:27.03Z",
    "updated_at": "2022-10-10T04:11:28.69Z",
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "address_verification": null,
    "amount": 1510,
    "amount_requested": 1510,
    "application": "APpJbVTLdEuwGfcxBJvb1qNH",
    "currency": "USD",
    "destination": "PIxjVj1SCbcesKGtE71oW9En",
    "externally_funded": "UNKNOWN",
    "failure_code": null,
    "failure_message": null,
    "fee": 0,
    "idempotency_id": null,
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "merchant_identity": "IDqeE5eaMBksiphXMfv3gJZw",
    "messages": [],
    "raw": null,
    "ready_to_settle_at": null,
    "security_code_verification": null,
    "source": null,
    "state": "SUCCEEDED",
    "statement_descriptor": null,
    "subtype": "API",
    "tags": {
        "order_number": "21DFASJSAKAS"
    },
    "trace_id": "228304000167",
    "type": "DEBIT",
    "_links": {
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APpJbVTLdEuwGfcxBJvb1qNH"
        },
        "self": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRkiwUjvxPneNvatWyqPoDNB"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDqeE5eaMBksiphXMfv3gJZw"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRkiwUjvxPneNvatWyqPoDNB/payment_instruments"
        },
        "reversals": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRkiwUjvxPneNvatWyqPoDNB/reversals"
        },
        "fees": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRkiwUjvxPneNvatWyqPoDNB/fees"
        },
        "disputes": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRkiwUjvxPneNvatWyqPoDNB/disputes"
        },
        "destination": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIRp4Cu3fG7DFQPdzhGcePL"
        },
        "fee_profile": {
            "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPbDSnEPtaT8Nttxj9NJk7eC"
        }
    }
}

HTTP Request

POST https://finix.sandbox-payments-api.com/transfers

Request Arguments

Field	Type	Description
`amount`	integer, required	The total amount that will be charged in cents (e.g. 100 cents to charge $1.00)
`country`	string, optional	3-Letter Country code. This attribute is currently only applicable for our Latin America partners.
`currency`	string, required	3-letter ISO code designating the currency of the `Transfers` (e.g. USD)
`idempotency_id`	string, optional	A randomly generated value that gets tied with the request.
`operation_key`	string, required	Details what specific `Transfer` will occur. Available options include: PUSH_TO_CARD PULL_FROM_CARD Use `PUSH_TO_CARD` for Card Payouts.
`destination`	string, required	ID of the `Payment Instrument` where funds will be sent
`tags`	object, optional	Key value pair for annotating custom metadata (e.g. order numbers)

Card Payouts

Step 1: Create a Recipient Identity

Step 2: Add a Payment Instrument for the Recipient

attention

HTTP Request

Request Arguments

Address-object Request Arguments

Step 3: Verify the Payment Instrument

HTTP Request

URL Parameters

Request Arguments

Payment Instrument Verification Result Codes

Card Type (card_type)

Push to Card Domestic (push_to_card_domestic)

Push to Card Cross Border (push_to_card_cross_border)

Address Verification Results (address_verification_results)

Card Verification 2 Results (cvv2_result_code)

Card Type (card_type_code)

Fast Funds Indicator (fast_funds_indicator)

Push Funds Indicator (push_funds_block_indicator)

Online Gambling Block Indicator (online_gambing_block_indicator)

Card Product ID (card_product_id)

Product Sub-Type (card_product_subtype)

Card Sub-Type (card_subtype_code)

Step 4: Verify and Onboard the Recipient Account

HTTP Request

Request Arguments

Step 5: Send Payout

HTTP Request

Request Arguments

Next Steps

Bank Payouts

Verification Requirements