---
title: "Create a payout"
method: POST
path: "/api/payout"
tags: ["Payouts"]
---

# Create a payout

`POST /api/payout`

Creates and triggers a payout from the merchant custodial balance to a previously-registered destination account (bank or wallet). When `X-On-Behalf-Of` is set to a sub-merchant id, the payout is debited from the sub-merchant's custodial wallet and uses the sub-merchant's destination accounts. The destination account must belong to the merchant (or sub-merchant) identified by the request.

This endpoint is intended for custodial (Inflow-managed) wallets. Non-custodial (Privy-based) merchants must use the dashboard flow that includes an explicit signature step.

## Request body

- CreatePayoutDto
  - `accountId` string, required — Identifier of the payout destination (bank or wallet account). Must belong to the merchant (or the sub-merchant when X-On-Behalf-Of is used).
  - `amountInCents` number, required — Payout amount in cents of the source currency.
  - `currency` 'USDC' | 'EURC', required — Source currency used to debit the merchant balance.
  - `network` 'avalanche' | 'base' | 'polygon' | 'ethereum' | 'solana' | 'arbitrum' — Destination network. Required when the destination account is a crypto wallet.
  - `sepaReference` string — Custom SEPA reference that will appear on the beneficiary bank statement. Only used for EUR/SEPA payouts. Max 140 characters, alphanumeric.

## Response `201`

Payout created successfully

- CreatePayoutResponseDto
  - `id` string, required — Unique identifier of the created payout.
  - `status` string — Current status of the payout.
  - `requiredApprovals` number — Number of approvals required when the merchant has a multi-sig payout policy.
  - `approvalsCollected` number — Number of approvals already collected for this payout.

## Other responses

- `400` — Invalid input data
- `401` — Unauthorized - Invalid API key

---

[API](https://skmtc.dev/inflowpay/apis/inflow-api.md) · [All operations](https://skmtc.dev/inflowpay/apis/inflow-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/inflowpay/inflow-api/revisions/3012dd3dd14a/schema)