Payout

The Brails Payouts API enables seamless cross-border money transfers to bank accounts and mobile money wallets across 49+ countries worldwide, including major markets like the United States, Europe, and China.

For comprehensive details on supported countries, available currencies, and transaction limits, visit our Supported Countries page.

To ensure successful payouts, we provide detailed country-specific beneficiary guides that outline requirements and best practices. Here are some our guides:

USA Beneficiary Guide - For USD transfers to US bank accounts
Europe Beneficiary Guide - For EUR transfers via SEPA
China Beneficiary Guide - For CNY transfers to Alipay, WeChat Pay, and bank accounts

Each guide contains comprehensive information about supported payment methods, required fields, and country-specific requirements.

The flow for payout is as follows:

Add the beneficiary
Initiate payout
Authorize/finalize payout
Await transaction webhook and/or track transaction status

NB: You can skip the first step if the beneficiary has already been indexed.

To Initiate payout, the following parameters are required.

Parameter	Description	Required
`amount`	amount you want to send in smaller denominations ie 1 USD = 100 cents.	✅
`sourceWalletCurrency`	Indicates the wallet from which payment is made. Defaults to USD	✅
`reference`	reference to keep track of your transaction	✅
`customerEmail`	represents the email address of the customer associated with the transaction.	✅
`description`	provides context or explains the intent of the transaction.	✅
`beneficiaryId`	id of the beneficiary that has already been created/indexed	✅
`callbackUrl`	URL to send webhook to if per this transaction.	❌

To Finalize Payout, the only parameter required is the transaction identifier.

Parameter	Description	Required
`transactionId`	the transaction identifier returned when you initiate a payout.	✅

📘 Payout Statuses

A payout transaction status can be any of the following

Text

 
INITIATED
PENDING
PROCESSING
SUCCESS
FAILED
EXPIRED

How many minutes does it take between initiating a transaction and finalising rate updates? - Approximately 4 minutes.

Supported Countries Collections