Card Payouts

Learn how to send money to recipients' credit or debit cards.

Send funds to your recipient's debit or credit card using Payouts. Please note card payouts are only available to Visa and Mastercard cards.

If you have any questions about creating payouts, reach out to your Finix Point of Contact or Finix Support.

Step 1: Create a Recipient Identity

The first step for making a payout is creating a RECIPIENT Identity to represent whom you'll send funds to. The Identity resource helps manage bank accounts, cards, payout history, and the details of your customers. You can create either PERSONAL or BUSINESS Recipients.

Required Data

Required	Optional	Invalid

Field	`type: PERSONAL`	`type: BUSINESS`
Type `type`
First Name `first_name`
Last Name `last_name`
Personal Address `personal_address`
Business Name `business_name`
Doing Business As `doing_business_as`
Business Address `business_address`
Business Phone `business_phone`
Personal Email `email`
Personal Phone `phone`

API Request

Create Personal Recipient

curl https://finix.sandbox-payments-api.com/identities \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '{
        "entity": {
            "first_name": "John",
            "last_name": "Doe",
            "personal_address": {
                "line1": "741 Douglass St",
                "line2": "Apartment 7",
                "city": "San Mateo",
                "region": "CA",
                "postal_code": "94114",
                "country": "USA"
            }
        },
        "identity_roles": ["RECIPIENT"],
        "type": "PERSONAL"
    }'

Personal Recipient

{
    "id": "ID2dgoqygWvVthU9kQBKz7t4",
    "created_at": "2024-07-31T18:28:05.92Z",
    "updated_at": "2024-07-31T18:28:05.92Z",
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "entity": {
        "ach_max_transaction_amount": 0,
        "amex_mid": null,
        "annual_card_volume": 0,
        "business_address": null,
        "business_name": null,
        "business_phone": null,
        "business_tax_id_provided": false,
        "business_type": null,
        "default_statement_descriptor": null,
        "discover_mid": null,
        "dob": null,
        "doing_business_as": null,
        "email": null,
        "first_name": "John",
        "has_accepted_credit_cards_previously": false,
        "incorporation_date": null,
        "last_name": "Doe",
        "max_transaction_amount": 0,
        "mcc": null,
        "ownership_type": null,
        "personal_address": {
            "line1": "741 Douglass St",
            "line2": "Apartment 7",
            "city": "San Mateo",
            "region": "CA",
            "postal_code": "94114",
            "country": "USA"
        },
        "phone": null,
        "principal_percentage_ownership": null,
        "short_business_name": null,
        "tax_authority": null,
        "tax_id_provided": false,
        "title": null,
        "url": null
    },
    "identity_roles": ["RECIPIENT"],
    "tags": {},
    "type": "PERSONAL",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/verifications"
        },
        "merchants": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/merchants"
        },
        "settlements": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/settlements"
        },
        "authorizations": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/authorizations"
        },
        "transfers": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/transfers"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/payment_instruments"
        },
        "associated_identities": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/associated_identities"
        },
        "disputes": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID2dgoqygWvVthU9kQBKz7t4/disputes"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        }
    }
}

Step 2: Add a Payment Instrument for the Recipient

PCI Level 1 Compliance

Creating Payment Instruments and passing payment details (account number, card number, etc.) directly via the API should only be done for testing purposes and by PCI Level 1 compliant entities. If you aren't a Level 1 PCI-compliant entity, you must use our Tokenization Forms or Mobile Tokenization to accept payment details and comply with PCI regulations. If you have any questions, please don't hesitate to reach out to your Finix point of contact or email the Finix Support team.

Now that we've created an Identity for our recipient, we'll need to create a Payment Instrument using the recipient's card details. A Payment Instrument represents the recipient's payment method that will receive funds. When creating Payment Instruments for Payouts, attempt_bank_account_validation_check must be set to true.

If you have any questions about creating Payment Instruments, reach out to your Finix Point of Contact or Finix Support.

Create Card Payment Instrument

curl https://finix.sandbox-payments-api.com/payment_instruments \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u US9bhCUqoTxo7V6di8ceb3Td:e704591a-1972-4b41-9884-6a67f5d7cdbb \
    -d '{
        "address": {
            "city": "San Francisco",
            "country": "USA",
            "line1": "900 Metro Center Blv",
            "postal_code": "94404",
            "region": "CA"
        },
        "expiration_month": 12,
        "expiration_year": 2029,
        "identity": "IDoFbnXcAmPPU2i4YKu8Mhr4",
        "name": "John Smith",
        "number": "5200820000007201",
        "security_code": "022",
        "tags": {
            "card_name": "Business Card"
        },
        "type": "PAYMENT_CARD"
    }'

Card Payment Instrument

{
    "id": "PIxjVj1SCbcesKGtE71oW9En",
    "created_at": "2023-12-02T01:04:55.68Z",
    "updated_at": "2023-12-02T01:04:55.68Z",
    "application": "AP5Tq3MMxKwHYX7soDncrCQ3",
    "created_via": "API",
    "currency": "USD",
    "disabled_code": null,
    "disabled_message": null,
    "enabled": true,
    "fingerprint": "FPRihepew9PmKPKA1upHe8XXL",
    "identity": "IDoFbnXcAmPPU2i4YKu8Mhr4",
    "instrument_type": "PAYMENT_CARD",
    "address": {
        "line1": "900 Metro Center Blv",
        "line2": null,
        "city": "San Francisco",
        "region": "CA",
        "postal_code": "94404",
        "country": "USA"
    },
    "address_verification": "UNKNOWN",
    "bin": "520082",
    "brand": "MASTERCARD",
    "card_type": "DEBIT",
    "expiration_month": 12,
    "expiration_year": 2029,
    "issuer_country": "NON_USA",
    "last_four": "7201",
    "name": "John Smith",
    "security_code_verification": "UNKNOWN",
    "tags": {
        "card_name": "Business Card"
    },
    "type": "PAYMENT_CARD",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En"
        },
        "authorizations": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En/authorizations"
        },
        "transfers": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En/transfers"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En/verifications"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/AP5Tq3MMxKwHYX7soDncrCQ3"
        },
        "identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDoFbnXcAmPPU2i4YKu8Mhr4"
        },
        "updates": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En/updates"
        }
    }
}

Step 3: Verify the Payment Instrument

Now that we've associated a payment instrument with a recipient, we'll need to verify whether or not the card is eligible to receive push-to-card disbursements.

Luckily, you've already done most of the heavy lifting. Just make making the following request to the Verifications endpoint. The Verification resource that gets returned includes a set of general attributes and details about the card in question (e.g. card type, issuer information, etc.).

Verify a Payment Instrument

curl https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En/verifications \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u US9bhCUqoTxo7V6di8ceb3Td:e704591a-1972-4b41-9884-6a67f5d7cdbb \
    -d '{
      "processor": "DUMMY_V1"
    }'

Payment Instrument Verification

{
    "id": "VIffDtxJe3LWw2CkjYzWpy7y",
    "created_at": "2023-12-02T01:05:49.15Z",
    "updated_at": "2023-12-02T01:05:49.20Z",
    "application": "AP5Tq3MMxKwHYX7soDncrCQ3",
    "identity": null,
    "merchant": null,
    "merchant_identity": null,
    "messages": [],
    "payment_instrument": "PIxjVj1SCbcesKGtE71oW9En",
    "payment_instrument_verification_details": {
        "push_to_card_domestic": null,
        "push_to_card_cross_border": null,
        "card_type": null,
        "billing_currency": null,
        "issuer_country": "UNKNOWN"
    },
    "processor": "DUMMY_V1",
    "raw": null,
    "state": "PENDING",
    "tags": {},
    "trace_id": "96be3a15-d72e-485a-828c-8d0c23f16e64",
    "type": "PAYMENT_INSTRUMENT",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/verifications/VIffDtxJe3LWw2CkjYzWpy7y"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/AP5Tq3MMxKwHYX7soDncrCQ3"
        },
        "payment_instrument": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIxjVj1SCbcesKGtE71oW9En"
        }
    }
}

Payment Instrument Verification Result Codes

Card Type (`card_type`)

This code indicates whether the card is credit, debit, or prepaid.

`CODE`	Description
`CREDIT`	Credit or Charge Card
`DEBIT`	Debit or Deferred Debit Card
`HSA_FSA`	HSA or FSA Card
`RELOADABLE_PREPAID`	Reloadable Prepaid Card
`UNRELOADABLE_PREPAID`	Unreloadable Prepaid Card
`UNKNOWN`	Unknown

Push to Card Domestic (`push_to_card_domestic`)

This field is used to indicate push and pull from card functionality is supported domestically for this instrument.

`CODE`	Description
`FAST_FUNDS`	Indicates fast fund movement is supported for this instrument
`NON_FAST_FUNDS`	Indicates movement is supported for this instrument
`NOT_SUPPORTED`	Indicates this instrument is not supported
`UNKNOWN`	Unexpected verification result

Push to Card Cross Border (`push_to_card_cross_border`)

This field is used to indicate push and pull from card functionality is supported cross border for this instrument.

`CODE`	Description
`FAST_FUNDS`	Indicates fast fund movement is supported for this instrument
`NON_FAST_FUNDS`	Indicates movement is supported for this instrument
`NOT_SUPPORTED`	Indicates this instrument is not supported
`UNKNOWN`	Unexpected verification result

Raw Message Response Arguments

Address Verification Results (`address_verification_results`)

`Letter`	Description
D, F, M, Y	Address verified
A, B, C, G, I, N, P, R, S, U, W	Address not verified
`Z`	Postal/ZIP match, street addresses do not match or street address not included in request

Card Verification 2 Results (`cvv2_result_code`)

`Letter`	Description
`M`	CVV and expiration verified
N, P, S	Either CVV or expiration date is incorrect
`U`	Issuer does not participate in CVV2 service

Card Type (`card_type_code`)

This one-character code indicates whether the account is credit, debit, prepaid, deferred debit, or charge.

`Letter`	Description
`C`	Credit
`D`	Debit
`H`	Charge Card
`P`	Prepaid
`R`	Deferred Debit

Fast Funds Indicator (`fast_funds_indicator`)

Indicates whether or not the card is Fast Funds eligible (i.e. if the funds will settle in 30 mins or less). If not eligible, typically funds will settle within 2 business days.

`Letter`	Description
`B`	Fast Funds eligible for all transactions
`D`	Fast Funds eligible for only domestic transactions
`N`	Not eligible for Fast Funds

Push Funds Indicator (`push_funds_block_indicator`)

This code indicates if the associated card can receive push-to-card disbursements.

`Letter`	Description
A, B, C	Accepts push-to-card payments
`N`	Does not accept push-to-card payments

Online Gambling Block Indicator (`online_gambing_block_indicator`)

Indicates if the card can receive push-payments for online gambling payouts.

`Letter`	Description
`Y`	Blocked for online gambling payouts
`N`	Not blocked for online gambling payouts

Card Product ID (`card_product_id`)

A combination of card brand, platform, class and scheme.

`Letter`	Description
`A`	Visa Traditional
`AX`	American Express
`B`	Visa Traditional Rewards
`C`	Visa Signature
`D`	Visa Signature Preferred
`DI`	Discover
`DN`	Diners
`E`	Proprietary ATM
`F`	Visa Classic
`G`	Visa Business
`G1`	Visa Signature Business
`G2`	Visa Business Check Card
`G3`	Visa Business Enhanced
`G4`	Visa Infinite Business
`G5`	Visa Business Rewards
`I`	Visa Infinite
`I1`	Visa Infinite Privilege
`I2`	Visa UHNW
`J3`	Visa Healthcare
`JC`	JCB
`K`	Visa Corporate T&E
`K1`	Visa Government Corporate T&E
`L`	Visa Electron
`M`	MasterCard
`N`	Visa Platinum
`N1`	Visa Rewards
`N2`	Visa Select
`P`	Visa Gold
`Q`	Private Label
`Q1`	Private Label Prepaid
`Q2`	Private Label Basic
`Q3`	Private Label Standard
`Q4`	Private Label Enhanced
`Q5`	Private Label Specialized
`Q6`	Private Label Premium
`R`	Proprietary
`S`	Visa Purchasing
`S1`	Visa Purchasing with Fleet
`S2`	Visa Government Purchasing
`S3`	Visa Government Purchasing with Fleet
`S4`	Visa Commercial Agriculture
`S5`	Visa Commercial Transport
`S6`	Visa Commercial Marketplace
`U`	Visa Travel Money
`V`	Visa V PAY

Product Sub-Type (`card_product_subtype`)

Description of product subtype.

`Letter`	Description
`AC`	Agriculture Maintenance Account
`AE`	Agriculture Debit Account/Electron
`AG`	Agriculture
`AI`	Agriculture Investment Loan
`CG`	Brazil Cargo
`CS`	Construction
`DS`	Distribution
`HC`	Healthcare
`LP`	Visa Large Purchase Advantage
`MA`	Visa Mobile Agent
`MB`	Interoperable Mobile Branchless Banking
`MG`	Visa Mobile General
`VA`	Visa Vale - Supermarket
`VF`	Visa Vale - Fuel
`VR`	Visa Vale - Restaurant

Card Sub-Type (`card_subtype_code`)

The code for account funding source subtype, such as reloadable and non-reloadable.

`Letter`	Description
`N`	Non-Reloadable
`R`	Reloadable

Step 4: Verify and Onboard the Recipient Account

Now that we've associated a Payment Instrument with our recipient's Identity we're ready to provision a recipient account. This is the last step before you can begin paying out a recipient Identity. Luckily you've already done most of the heavy lifting - make one final POST request, a Merchant resource will get returned.

Create Merchant

curl https://finix.sandbox-payments-api.com/identities/IDh3wzPh9tFjodGvzyy23anK/merchants \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u USte61SqeNkAZnpfavK3fQNG:bd98703c-d72c-458e-8873-4295f5bac713 \
    -d '{
        "processor": "DUMMY_V1"
    }'

Merchant

{
    "id": "MUiYhqXdeyd4SufJCtzASW9V",
    "created_at": "2023-12-02T01:06:54.57Z",
    "updated_at": "2023-12-02T01:06:54.57Z",
    "application": "AP5Tq3MMxKwHYX7soDncrCQ3",
    "card_cvv_required": false,
    "card_expiration_date_required": true,
    "convenience_charges_enabled": false,
    "country": "USA",
    "creating_transfer_from_report_enabled": false,
    "currencies": ["USD"],
    "default_partial_authorization_enabled": false,
    "disbursements_ach_pull_enabled": false,
    "disbursements_ach_push_enabled": true,
    "disbursements_card_pull_enabled": false,
    "disbursements_card_push_enabled": true,
    "fee_ready_to_settle_upon": "PROCESSOR_WINDOW",
    "gateway": null,
    "gross_settlement_enabled": false,
    "identity": "IDoFbnXcAmPPU2i4YKu8Mhr4",
    "level_two_level_three_data_enabled": false,
    "mcc": null,
    "merchant_name": "John Smith",
    "merchant_profile": "MPobV95YXNLua94jCnpJsvJS",
    "mid": null,
    "onboarding_state": "PROVISIONING",
    "processing_enabled": false,
    "processor": "DUMMY_V1",
    "processor_details": {},
    "ready_to_settle_upon": "PROCESSOR_WINDOW",
    "rent_surcharges_enabled": false,
    "settlement_enabled": false,
    "settlement_funding_identifier": "UNSET",
    "surcharges_enabled": false,
    "tags": {},
    "verification": "VIx3SHyTCWiykSWcEdXaowES",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/merchants/MUiYhqXdeyd4SufJCtzASW9V"
        },
        "identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDoFbnXcAmPPU2i4YKu8Mhr4"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/merchants/MUiYhqXdeyd4SufJCtzASW9V/verifications"
        },
        "merchant_profile": {
            "href": "https://finix.sandbox-payments-api.com/merchant_profiles/MPobV95YXNLua94jCnpJsvJS"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/AP5Tq3MMxKwHYX7soDncrCQ3"
        },
        "verification": {
            "href": "https://finix.sandbox-payments-api.com/verifications/VIx3SHyTCWiykSWcEdXaowES"
        }
    }
}

Step 5: Send Payout

Next you'll need to create a Transfer. A Transfer represents any flow of funds either to or from a Payment Instrument. In this case a payout to a debit or credit card.

To create a Transfer:

Include the ID of the Payment Instrument of the previously tokenized bank account as the destination.
In amount, set the funds to send in cents. In the below example, $151.00 is getting paid out.

Transfers can have two possible states SUCCEEDED and FAILED.

Create Transfer

curl https://finix.sandbox-payments-api.com/transfers \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u US9bhCUqoTxo7V6di8ceb3Td:e704591a-1972-4b41-9884-6a67f5d7cdbb \
    -d '{
        "amount": 15000,
        "currency": "USD",
        "destination": "PIxjVj1SCbcesKGtE71oW9En",
        "operation_key": "PUSH_TO_CARD",
        "tags": {
            "order_number": "21DFASJSAKAS"
        }
    }'

Transfer

{
    "id": "TRkiwUjvxPneNvatWyqPoDNB",
    "created_at": "2022-10-10T04:11:27.03Z",
    "updated_at": "2022-10-10T04:11:28.69Z",
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "address_verification": null,
    "amount": 1510,
    "amount_requested": 1510,
    "application": "APpJbVTLdEuwGfcxBJvb1qNH",
    "currency": "USD",
    "destination": "PIxjVj1SCbcesKGtE71oW9En",
    "externally_funded": "UNKNOWN",
    "failure_code": null,
    "failure_message": null,
    "fee": 0,
    "idempotency_id": null,
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "merchant_identity": "IDqeE5eaMBksiphXMfv3gJZw",
    "messages": [],
    "raw": null,
    "ready_to_settle_at": null,
    "security_code_verification": null,
    "source": null,
    "state": "SUCCEEDED",
    "statement_descriptor": null,
    "subtype": "API",
    "tags": {
        "order_number": "21DFASJSAKAS"
    },
    "trace_id": "228304000167",
    "type": "DEBIT",
    "_links": {
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APpJbVTLdEuwGfcxBJvb1qNH"
        },
        "self": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRkiwUjvxPneNvatWyqPoDNB"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDqeE5eaMBksiphXMfv3gJZw"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRkiwUjvxPneNvatWyqPoDNB/payment_instruments"
        },
        "reversals": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRkiwUjvxPneNvatWyqPoDNB/reversals"
        },
        "fees": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRkiwUjvxPneNvatWyqPoDNB/fees"
        },
        "disputes": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRkiwUjvxPneNvatWyqPoDNB/disputes"
        },
        "destination": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIRp4Cu3fG7DFQPdzhGcePL"
        },
        "fee_profile": {
            "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPbDSnEPtaT8Nttxj9NJk7eC"
        }
    }
}

Card Payouts

Step 1: Create a Recipient Identity

Required Data

API Request

Step 2: Add a Payment Instrument for the Recipient

Step 3: Verify the Payment Instrument

Payment Instrument Verification Result Codes

Card Type (card_type)

Push to Card Domestic (push_to_card_domestic)

Push to Card Cross Border (push_to_card_cross_border)

Address Verification Results (address_verification_results)

Card Verification 2 Results (cvv2_result_code)

Card Type (card_type_code)

Fast Funds Indicator (fast_funds_indicator)

Push Funds Indicator (push_funds_block_indicator)

Online Gambling Block Indicator (online_gambing_block_indicator)

Card Product ID (card_product_id)

Product Sub-Type (card_product_subtype)

Card Sub-Type (card_subtype_code)