AI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Developers · Payout APIsPay vendors, staff, sellers and partners to a bank account or UPI ID with a single call, follow every payout by webhook, and retry safely with an idempotency key.
$payout = $client->payouts->create([
'beneficiary_id' => 'bene_3Kd91',
'amount' => 250000, // in paise
'mode' => 'upi',
], [
'idempotency_key' => 'payout-run-2026-08-29-0417',
]);
echo $payout->status;Send money to a beneficiary's bank account or UPI ID.
| Parameter | Meaning |
|---|---|
beneficiary_id | The beneficiary receiving the funds |
amount | Amount in paise — 250000 is ₹2,500.00 |
mode | Transfer mode; the published example uses upi. Bank transfer is also supported. |
A payout object; the examples read its status. The idempotency key travels as an Idempotency-Key header in cURL, or as an option in the SDK. For parameters beyond the published example, ask developer support.
Store the recipient's bank account or UPI ID once, and reuse its beneficiary id.
Call the Payout API with the beneficiary, the amount in paise, the mode and an idempotency key.
The response carries the payout's status; it moves from initiated to completed.
A payout event arrives as the status changes — mark the vendor, employee or partner as paid here.
Completed payouts appear in your payout report for reconciliation.
A payout that times out might have gone through. Without a key, retrying could pay twice; with the same key, the retry returns the original payout instead.
curl https://api.paynancial.com/v1/payouts \
-u YOUR_API_KEY: \
-H "Idempotency-Key: payout-run-2026-08-29-0417" \
-d beneficiary_id=bene_3Kd91 \
-d amount=250000 \
-d mode=upiErrors come back with a structured code, so your code can decide what to do without parsing text.
| Code | Means | What to do |
|---|---|---|
insufficient_funds | The balance available is not enough for the requested payout or refund. | Do not retry automatically; top up or reduce the amount, then try again. |
invalid_method | The payment method or mode in the request is not valid for this call. | Correct the request. Retrying the same request will fail the same way. |
rate_limited | Too many requests in a short period. | Back off and retry later with the same idempotency key. |
Payouts supports bulk: a batch of transfers submitted in a single request, with every payout in the batch tracked individually and a clear reason for any that fail. The published example shows a single payout; ask developer support for the batch request format.
Whether you send one request per payout or a batch, give each payout its own idempotency key, and handle failures payout by payout — the rest of the batch has already moved. See Bulk Payouts.
General information only. Not legal, tax, financial or regulatory advice.
A plain-language guide to the frameworks that may apply. General information only. Not legal, tax, financial or regulatory advice. It is not a statement of Paynancial's own licences or authorisations.
The law under which the Reserve Bank of India regulates and supervises payment systems in India, including the authorisation of payment system operators. Businesses should consider the applicable requirements under this Act.
NPCI's round-the-clock instant interbank transfer service, to a bank account or mobile number.
NPCI operates UPI and sets its rules for member banks, UPI apps and other participants through procedural guidelines and circulars, including transaction limits, dispute handling and security requirements.
NPCI's system for high-volume, repetitive bank transfers — bulk credits such as salaries and dividends, and debits against mandates such as loan instalments.
Covers the time within which failed digital transactions — for example, a customer debited without the merchant being credited — are expected to be reversed or resolved across authorised payment systems such as UPI, cards and IMPS, and compensation to the customer when that time is missed.
Regulators update these rules by circular, so always check the current text at the source: Reserve Bank of India · NPCI. For Paynancial's own security and compliance posture, see the Trust Center.
The resource that sends money to a beneficiary's bank account or UPI ID: POST /payouts with the beneficiary, the amount in paise and the mode, plus an idempotency key.
A payout that times out might have gone through. Retrying with the same idempotency key returns the original payout instead of paying twice.
You get a structured error code such as insufficient_funds, invalid_method or rate_limited, and a failed payout comes with a clear reason. Fix the cause, then retry.
Yes — Payouts supports submitting a batch of transfers in a single request, with each payout tracked individually. Ask developer support for the batch request format.
Request a sandbox key and try a payout with no real money involved.
Discuss integration and technical requirements.