---
title: "Create payout"
method: POST
path: "/v1/payouts"
tags: ["Payouts"]
---

# Create payout

`POST /v1/payouts`

Creates a new payout.

## Headers

- `Idempotency-Key` string, required

## Request body

- CreatePayoutBodyDto
  - `source_account_id` string, uuid, required — ID of the account to debit.
  - `amount` string, required — Amount as a string decimal (e.g. "100.50").
  - `currency` 'EUR' | 'GBP' | 'USD' | 'USDC', required — Currency for the payout.
  - `destination` union, required — Bank account or crypto wallet to send funds to.
    - object
      - `type` 'iban', required — Discriminator for IBAN financial address.
      - `iban` string, required — International Bank Account Number.
      - `account_holder_name` string, required — Name of the account holder.
      - `bic` string — Bank Identifier Code.
    - SortCodeFinancialAddress
      - `type` 'sort_code', required — Discriminator for UK sort code financial address.
      - `sort_code` string, required — UK sort code (6 digits).
      - `account_number` string, required — UK account number (8 digits).
      - `account_holder_name` string, required — Name of the account holder.
    - AbaFinancialAddress
      - `type` 'aba', required — Discriminator for ABA wire financial address.
      - `routing_number` string, required — ABA routing number (9 digits).
      - `account_number` string, required — Bank account number.
      - `account_holder_name` string, required — Name of the account holder.
    - CryptoWalletFinancialAddress
      - `type` 'crypto_wallet', required — Discriminator for crypto wallet financial address.
      - `address` string, required — Wallet address on the specified blockchain.
      - `blockchain` 'bitcoin' | 'ethereum' | 'solana' | 'polygon' | 'bitcoin_testnet4' | 'ethereum_sepolia' | 'solana_devnet' | 'polygon_amoy', required — Blockchain network for the crypto wallet.
  - `rail` 'sepa_instant' | 'sepa' | 'faster_payments' — Payment rail. It is enforced when provided, otherwise auto-selected.
  - `reference` string, required — Payment reference.
  - `metadata` object — Key-value pairs stored with the payout.

## Response `200`

Success

- PayoutResourceDto
  - `id` string, required — Unique identifier of the payout.
  - `type` 'payout', required — Resource type discriminator.
  - `status` 'pending' | 'paid' | 'failed' | 'returned', required — Current status of the payout.
  - `source_account_id` string, required — ID of the account that was debited.
  - `amount` string, required — Amount as a string decimal (e.g. "100.50").
  - `currency` 'EUR' | 'GBP' | 'USD' | 'USDC', required — Currency code (ISO 4217 currency code or crypto currency code).
  - `destination` union, required — Bank account or crypto wallet the payout was sent to.
    - IbanFinancialAddress
      - `type` 'iban', required — Discriminator for IBAN financial address.
      - `iban` string, required — International Bank Account Number.
      - `account_holder_name` string, required — Name of the account holder.
      - `bic` string, nullable, required — Bank Identifier Code, or null if not provided.
    - SortCodeFinancialAddress
      - `type` 'sort_code', required — Discriminator for UK sort code financial address.
      - `sort_code` string, required — UK sort code (6 digits).
      - `account_number` string, required — UK account number (8 digits).
      - `account_holder_name` string, required — Name of the account holder.
    - AbaFinancialAddress
      - `type` 'aba', required — Discriminator for ABA wire financial address.
      - `routing_number` string, required — ABA routing number (9 digits).
      - `account_number` string, required — Bank account number.
      - `account_holder_name` string, required — Name of the account holder.
    - CryptoWalletFinancialAddress
      - `type` 'crypto_wallet', required — Discriminator for crypto wallet financial address.
      - `address` string, required — Wallet address on the specified blockchain.
      - `blockchain` 'bitcoin' | 'ethereum' | 'solana' | 'polygon' | 'bitcoin_testnet4' | 'ethereum_sepolia' | 'solana_devnet' | 'polygon_amoy', required — Blockchain network for the crypto wallet.
  - `reference` string, required — Payment reference.
  - `failure` object, nullable, required — Failure details when status is failed, otherwise null.
    - `code` 'account_closed' | 'account_blocked' | 'insufficient_funds' | 'invalid_account_format' | 'invalid_instruction' | 'invalid_amount' | 'invalid_time' | 'duplicate_transaction' | 'payee_verification_failed' | 'system_error' | 'provider_system_error' | 'rejected_by_correspondent_bank' | 'blocked_by_review' | 'unknown', required — Failure code.
    - `message` string, required — Human-readable description of the failure.
    - `retry` boolean, required — Whether the payout can be retried.
  - `metadata` object, required — Key-value pairs stored with the payout.
  - `created_at` string, date-time, required — ISO 8601 UTC timestamp when the payout was created.
  - `updated_at` string, date-time, required — ISO 8601 UTC timestamp when the payout was last updated.

## Changes

- **2026-08-18** `37109d1ed976` — 2 breaking, 5 info
  - removed `subschema #1, subschema #2, subschema #3, subschema #4` from the `destination` request property `oneOf` list
  - added the pattern `^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000)$` to the request property `source_account_id`
  - added `#/components/schemas/SortCodeFinancialAddress, #/components/schemas/AbaFinancialAddress, #/components/schemas/CryptoWalletFinancialAddress, subschema #1: IBAN` to the `destination` request property `anyOf` list
  - added `#/components/schemas/IbanFinancialAddress, #/components/schemas/SortCodeFinancialAddress, #/components/schemas/AbaFinancialAddress, #/components/schemas/CryptoWalletFinancialAddress` to the `destination` response property `anyOf` list for the response status `200`
  - …3 more
- **2026-08-17** `3ed0a0aba68b` — 4 breaking, 4 info
  - removed the enum value `BTC` of the request property `currency`
  - removed the enum value `ETH` of the request property `currency`
  - removed the enum value `POL` of the request property `currency`
  - removed the enum value `SOL` of the request property `currency`
  - …4 more
- **2026-07-27** `1d6de495a31d` — 1 breaking
  - the `header` request parameter `Idempotency-Key` became required
- …earlier changes not shown

[Full history](https://skmtc.dev/augustus/apis/augustus-banking-api/changes/v1/payouts/post.md)

---

[API](https://skmtc.dev/augustus/apis/augustus-banking-api.md) · [All operations](https://skmtc.dev/augustus/apis/augustus-banking-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/augustus/augustus-banking-api/revisions/37109d1ed976/schema)