---
title: "Check Instant Payout eligibility"
method: POST
path: "/v2.01/{ClientId}/payouts/reachability"
tags: ["Payouts"]
---

# Check Instant Payout eligibility

`POST /v2.01/{ClientId}/payouts/reachability`

Check whether the destination bank is reachable for SCT Inst payouts.

<Note icon="fa-regular fa-circle-info">
**Note – Endpoint only available for SCT Inst payouts in EUR**

You can only use this endpoint to check payouts where:
- The currency is `EUR`
- The `PayoutModeRequested` is `INSTANT_PAYMENT`

All other currencies return the [130001](/errors/codes/130001) `UnreachableReason.Code`.
</Note>

## Path parameters

- `ClientId` string, required

## Headers

- `Authorization` string, required

## Request body

- CheckInstantPayoutEligibilityRequest
  - `PayoutModeRequested` string, required — **Allowed values:** `INSTANT_PAYMENT` The mode of payout, which must be `INSTANT_PAYMENT` on this reachability endpoint, even if your subsequent payout request uses `INSTANT_PAYMENT_ONLY`.
  - `AuthorId` string, required — The unique identifier of the user at the source of the transaction. **Best practice:** When the payout author is different from the bank account owner, the Payout `AuthorId` value must be different from the Recipient `UserId` value as well. Otherwise, Mangopay's Compliance team will reject the payout.
  - `DebitedFunds` CheckInstantPayoutEligibilityRequestDebitedFunds, required — Information about the debited funds.
    - `Currency` string, required — **Allowed values:** The three-letter <a href="/api-reference/overview/data-formats" target="_blank">ISO 4217 code</a> (EUR, GBP, etc.) of a <a href="/guides/currencies" target="_blank">supported currency</a> (depends on feature, contract, and activation settings). The currency of the amount.
    - `Amount` integer, required — The amount of the currency in its minor unit. For example, EUR 12.60 would be represented as `1260` whereas JPY 12 would be represented as just `12`.
  - `Fees` CheckInstantPayoutEligibilityRequestFees, required — Information about the fees.
    - `Currency` string, required — **Allowed values:** The three-letter <a href="/api-reference/overview/data-formats" target="_blank">ISO 4217 code</a> (EUR, GBP, etc.) of a <a href="/guides/currencies" target="_blank">supported currency</a> (depends on feature, contract, and activation settings). The currency of the amount.
    - `Amount` integer, required — The amount of the currency in its minor unit. For example, EUR 12.60 would be represented as `1260` whereas JPY 12 would be represented as just `12`.
  - `DebitedWalletId` string, required — The unique identifier of the debited wallet.
  - `BankAccountId` string — The unique identifier of the Bank Account. This property should **not** be used by platforms integrating for the first time – send the `RecipientId` instead.
  - `BankWireRef` string — Max. length: 255 characters (< 12 recommended) Custom description to appear on the user's bank statement along with the platform name. The recommended length is 12 characters – strings longer than this may be truncated depending on the bank. For the full structure of the string, see the <a href="/bank-statements">Customizing bank statement references</a> article.

## Response `200`

Success

- InstantPayoutEligibilityResponse
  - `Id` string — Max length: 128 characters (see [data formats](/api-reference/overview/data-formats) for details) The unique identifier of the object.
  - `Tag` string — Max. length: 255 characters Custom data that you can add to this object.
  - `CreationDate` integer — Unix timestamp (UTC) of the date and time the object was created.
  - `AuthorId` string — The unique identifier of the user at the source of the transaction. **Best practice:** When the payout author is different from the bank account owner, the Payout `AuthorId` value must be different from the Recipient `UserId` value as well. Otherwise, Mangopay's Compliance team will reject the payout.
  - `CreditedUserId` unknown
  - `DebitedFunds` InstantPayoutEligibilityResponseDebitedFunds — The reachability result for an SCT Inst payout.
    - `IsReachable` boolean — Whether or not the bank is reachable.
    - `UnreachableReason` UnreachableReasonInstantPayoutEligibility — Information regarding why the bank is unreachable.
      - `Code` string — The error code for the reason why the bank is not reachable.
      - `Message` string — The reason why the bank is not reachable.

## Other responses

- `400` — Bad Request

---

[API](https://skmtc.dev/mangopay/apis/api-reference.md) · [All operations](https://skmtc.dev/mangopay/apis/api-reference/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/mangopay/api-reference/revisions/fafbd0c69654/schema)