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:

New Flow (recommended)

Call the Quote endpoint to retrieve the exchange rate, fee, and expiry for the transaction.
Initiate the payout using either:
- beneficiaryId — an already indexed beneficiary, or
- beneficiary — the beneficiary details directly, without creating a beneficiary first. The beneficiary payload uses the same schema as the Beneficiary object.
Await transaction webhook and/or track transaction status.

To Initiate payout, the following parameters are required.

Parameter	Description	Required
`amount`	amount you want to send in the lowest denomination (minor units) e.g. 1 USD = 100 cents.	✅
`sourceWalletCurrency`	Indicates the wallet from which payment is made. Defaults to USD	✅
`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. Mutually exclusive with `beneficiary`.	✅ (either)
`beneficiary`	beneficiary details, using the same schema as the Beneficiary object. Mutually exclusive with `beneficiaryId`.	✅ (either)

📘

Provide either beneficiaryId or beneficiary — not both. When providing the beneficiary object directly, only the fields required to identify the beneficiary are needed (the same fields used when creating a beneficiary).

Legacy Flow (backward compatibility)

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.

📘

The legacy flow is kept for backward compatibility. New integrations should use the new flow: retrieve a Quote, then initiate the payout.

To Finalize Payout (legacy flow), 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