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A payout is an outbound transaction that disburses funds from your Zerocash account to a recipient. One endpoint covers every destination — the destination field and the shape of payoutMethod decide where the money goes.

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Supported destinations

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Coverage

Payouts are currently live in:
See supported countries & limits for per-corridor minimums and maximums, or fetch the live list from Get Countries.

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Key capabilities

Universal endpoint

Every destination type goes through a single API call — no separate integration per rail.

Multi-currency

Pay recipients in their local currency while debiting a different wallet. Conversion is handled for you.

Saved beneficiaries

Store recipient details as external accounts and reference them by ID for repeat payouts.

Real-time tracking

Follow status through webhooks or by querying the transaction.

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Happy path

1

Prepare the details

Gather the recipient’s name, destination account, country, currency, and amount.
2

Choose a destination

Set destination to MoMo, Bank Account, Paybill, or Till — or pass an externalAccountId.
3

Send the payout

Submit with a unique externalReference.
4

Monitor the status

Use webhooks for real-time updates, and the transaction endpoint for manual checks.
5

Reconcile

Store the returned transactionId, the final status, and any thirdPartyReference.

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Limits and considerations

Every country and method has a minimum and maximum. Validate your amount against supported countries & limits before sending, so you fail fast rather than at the provider.
Your account must hold sufficient balance in the debited currency before you initiate a payout. Underfunded payouts fail.
For bank payouts, fetch the supported banks and their codes for the target country:
Some banks also require a branch — see Get Branches.

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Best practices

Validate before sending

Confirm recipient details with Account Resolver so you catch bad account numbers before the money moves.

Save recurring recipients

Use external accounts for anyone you pay more than once.

Handle failures explicitly

Map failures to the transaction error codes so you know which are retryable.

Keep an audit trail

Record every payout with its references for reconciliation and auditing.

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Next steps

Send a payout

The full implementation guide, with a request shape for every destination.

External accounts

Store and manage saved recipients.