> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fyatu.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payouts

> Send money from your business wallet to any Fyatu account holder. Verify the recipient, create a payout, and funds transfer instantly.

# Payouts

A payout sends money from your business wallet directly to a Fyatu account holder. Funds are transferred instantly and the recipient receives a notification.

## Flow

```mermaid theme={null}
sequenceDiagram
    participant Merchant
    participant FYATU API
    participant Recipient

    Merchant->>FYATU API: GET /accounts/{clientId}
    FYATU API-->>Merchant: Account verified
    Merchant->>FYATU API: POST /payouts
    FYATU API->>Recipient: Credit funds
    FYATU API-->>Merchant: Payout COMPLETED
    FYATU API->>Recipient: Notification
```

## Statuses

| Status      | Description            |
| ----------- | ---------------------- |
| `PENDING`   | Processing             |
| `COMPLETED` | Successfully delivered |
| `FAILED`    | Failed to process      |

## Fees

Payout fees are added on top of the amount you send — your wallet is debited for the total:

| Payout Amount | Fee    | Total Debited |
| ------------- | ------ | ------------- |
| \$25.00       | \$0.50 | \$25.50       |
| \$100.00      | \$0.50 | \$100.50      |

Use [GET /account/pricing](/v3/api-reference/account/pricing) to retrieve your current payout fee.

## Best Practices

* **Verify first**: always call `GET /accounts/{clientId}` before creating a payout — confirm the recipient exists and is active
* **Use references**: pass a unique `reference` on every payout for reconciliation and support traceability
* **Check balance**: ensure your wallet has sufficient funds (amount + fee) before sending

## Error Codes

| Code                    | Cause                          | Resolution                                  |
| ----------------------- | ------------------------------ | ------------------------------------------- |
| `INSUFFICIENT_BALANCE`  | Wallet balance too low         | Top up your business wallet                 |
| `PAYOUT_LIMIT_EXCEEDED` | Exceeds daily or monthly limit | Wait for limit reset or contact support     |
| `RECIPIENT_INACTIVE`    | Recipient account not active   | Recipient must activate their Fyatu account |

## Endpoints

* `GET /accounts/{clientId}` — [Verify recipient account](/v3/api-reference/payouts/verify-account)
* `POST /payouts` — [Create payout](/v3/api-reference/payouts/create)
* `GET /payouts/{id}` — [Get payout details](/v3/api-reference/payouts/get)
* `GET /payouts` — [List payouts](/v3/api-reference/payouts/list)