---
title: "Create CAD Payout"
method: POST
path: "/disbursements/payouts#cad"
---

# Create CAD Payout

`POST /disbursements/payouts#cad`

## Request

- Base URL: `https://sandboxapi.fincra.com`
- URL: `https://sandboxapi.fincra.com/disbursements/payouts#cad`
- Auth: API key in header `api-key`
- TypeScript: <https://skmtc.dev/fincra/apis/awesome-new-api/docs/disbursements/payouts%23cad/post.ts> (a function with typed inputs; its response is checked against the schema)

Send CAD to a recipient's Canadian bank account through Interac e-Transfer, using their Interac email.

In the request body, select **Same currency** or **Cross currency**, then select **Individual** or **Corporate** under `beneficiary` to see the fields for each case.

Before you call this endpoint, verify the recipient's email with [Verify Account Number](https://docs.fincra.com/reference/verify-account-number). If the source currency is not CAD, generate a quote first with [Generate a Quote](https://docs.fincra.com/reference/generate-quote). Track the final status through [payout webhooks](https://docs.fincra.com/docs/payout-webhook). For the full flow, see [CAD Payouts via Interac e-Transfer](https://docs.fincra.com/docs/send-cad-payouts-via-interac-e-transfer).

## Request body

- union
  - object: Fund the payout from your CAD wallet. No quote is needed.
    - `business` string, required: Your 24 character Fincra business ID.
    - `sourceCurrency` 'CAD', required: Use `CAD`. The payout is funded from your CAD wallet.
    - `destinationCurrency` 'CAD', required: Use `CAD`.
    - `amount` number, required: Amount in CAD, as a JSON number with no more than 2 decimal places. Amounts with more decimal places are rejected.
    - `description` string, required: A non empty description of the payout. The recipient sees it on the transfer, so include your business name.
    - `customerReference` string, required: Your unique reference for identifying and reconciling the payout.
    - `paymentDestination` 'bank_account', required: Use `bank_account`.
    - `paymentScheme` 'interac', required: Use `interac`.
    - `beneficiary` union, required: The payout recipient. Select **Individual** or **Corporate**.
      - object: An individual recipient.
        - `type` 'individual', required: Recipient type. Use `individual`.
        - `firstName` string, required: Recipient first name.
        - `lastName` string: Recipient last name. Optional.
        - `accountHolderName` string, required: Recipient name returned by account resolution.
        - `interacEmail` string, email, required: Recipient's Interac email, verified with Verify Account Number.
        - `country` 'CA', required: Beneficiary country. Use `CA`.
        - `securityQuestion` string: Security question the recipient answers to claim the transfer. Required when the recipient does not have Interac Autodeposit enabled. Send together with `securityAnswer`. Maximum 40 characters.
        - `securityAnswer` string: Answer to the security question. Required when the recipient does not have Interac Autodeposit enabled. 3 to 25 characters, no spaces.
      - object: A business recipient.
        - `type` 'corporate', required: Recipient type. Use `corporate`.
        - `accountHolderName` string, required: Business name of the recipient, as returned by account resolution.
        - `interacEmail` string, email, required: Recipient's Interac email, verified with Verify Account Number.
        - `country` 'CA', required: Beneficiary country. Use `CA`.
        - `securityQuestion` string: Security question the recipient answers to claim the transfer. Required when the recipient does not have Interac Autodeposit enabled. Send together with `securityAnswer`. Maximum 40 characters.
        - `securityAnswer` string: Answer to the security question. Required when the recipient does not have Interac Autodeposit enabled. 3 to 25 characters, no spaces.
  - object: Fund the payout from another currency wallet. Generate a quote first and pass its reference.
    - `business` string, required: Your 24 character Fincra business ID.
    - `sourceCurrency` string, required: Currency of the wallet funding the payout, such as `NGN`, `GHS` or `KES`. Must match the quote.
    - `destinationCurrency` 'CAD', required: Use `CAD`.
    - `amount` number, required: Amount in the source currency, as a JSON number with no more than 2 decimal places. Must equal the quote's `sourceAmount`.
    - `quoteReference` string, required: The `data.reference` returned by [Generate a Quote](https://docs.fincra.com/reference/generate-quote). The quote must not be expired.
    - `description` string, required: A non empty description of the payout. The recipient sees it on the transfer, so include your business name.
    - `customerReference` string, required: Your unique reference for identifying and reconciling the payout.
    - `paymentDestination` 'bank_account', required: Use `bank_account`.
    - `paymentScheme` 'interac', required: Use `interac`.
    - `beneficiary` union, required: The payout recipient. Select **Individual** or **Corporate**.
      - object: An individual recipient.
        - `type` 'individual', required: Recipient type. Use `individual`.
        - `firstName` string, required: Recipient first name.
        - `lastName` string: Recipient last name. Optional.
        - `accountHolderName` string, required: Recipient name returned by account resolution.
        - `interacEmail` string, email, required: Recipient's Interac email, verified with Verify Account Number.
        - `country` 'CA', required: Beneficiary country. Use `CA`.
        - `securityQuestion` string: Security question the recipient answers to claim the transfer. Required when the recipient does not have Interac Autodeposit enabled. Send together with `securityAnswer`. Maximum 40 characters.
        - `securityAnswer` string: Answer to the security question. Required when the recipient does not have Interac Autodeposit enabled. 3 to 25 characters, no spaces.
      - object: A business recipient.
        - `type` 'corporate', required: Recipient type. Use `corporate`.
        - `accountHolderName` string, required: Business name of the recipient, as returned by account resolution.
        - `interacEmail` string, email, required: Recipient's Interac email, verified with Verify Account Number.
        - `country` 'CA', required: Beneficiary country. Use `CA`.
        - `securityQuestion` string: Security question the recipient answers to claim the transfer. Required when the recipient does not have Interac Autodeposit enabled. Send together with `securityAnswer`. Maximum 40 characters.
        - `securityAnswer` string: Answer to the security question. Required when the recipient does not have Interac Autodeposit enabled. 3 to 25 characters, no spaces.

## Response `200`

The payout was accepted for processing. Track the final status through payout webhooks.

- object
  - `success` boolean
  - `message` string
  - `data` object
    - `id` integer: Payout ID.
    - `reference` string: Fincra generated payout reference.
    - `customerReference` string: The reference you supplied.
    - `status` string: Payout status. Starts as `processing`.
    - `message` string, nullable
    - `isDocumentRequired` boolean: Whether supporting documents must be uploaded.
    - `documentsRequired` string[]

## Changes

- **2026-11-03** `526b1509a02d`: 1 info
  - endpoint added

[Operation history](https://skmtc.dev/fincra/apis/awesome-new-api/changes/disbursements/payouts%23cad/post.md)

---

[API](https://skmtc.dev/fincra/apis/awesome-new-api.md) - [All operations](https://skmtc.dev/fincra/apis/awesome-new-api/llms.txt) - [OpenAPI document](https://skmtc.dev/fincra/apis/awesome-new-api/revisions/526b1509a02d?raw)