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Initiate an outgoing payment to a beneficiary. Use a quote_id to lock the exchange rate for 5 minutes and ensure the recipient receives the quoted amount. 
POST /wallet/payout
Requires Idempotency-Key header. Use a unique key per payout to prevent duplicate transactions.

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Request body

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debit_wallet
string
required
The source wallet currency to debit (e.g. "USD", "EUR").
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payment_method_id
number
required
The ID of the beneficiary payment method to use. Obtained from GET /payment-methods/payout or saved beneficiary payment methods.
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quote_id
string
A quote ID from GET /exchange-rate. When provided, the exchange rate is locked and amount is taken from the quote. Recommended to guarantee rates.
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amount
number
Amount to send in the source wallet currency. Required if quote_id is not provided. If quote_id is provided, the amount is taken from the quote.
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beneficiary_id
string
The UUID of a saved beneficiary to pay. Either beneficiary_id or inline recipient details must be provided.
Using a quote_id is strongly recommended for cross-currency payouts to protect both you and your customers from exchange rate fluctuations during processing.
curl -X POST 'https://api.yativo.com/api/v1/wallet/payout' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: payout-c586066b-2026-04-02-001' \
  -d '{
    "debit_wallet": "USD",
    "payment_method_id": 42,
    "quote_id": "qte_a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "beneficiary_id": "ben-7a8b9c0d-1e2f-3a4b-5c6d-7e8f9a0b1c2d"
  }'

{
  "status": "success",
  "status_code": 201,
  "message": "Payout initiated successfully",
  "data": {
    "transaction_id": "txn_f1e2d3c4-b5a6-7890-cdef-123456789abc",
    "status": "processing",
    "debit_wallet": "USD",
    "debit_amount": 100.00,
    "credit_currency": "CLP",
    "credit_amount": 95240.00,
    "exchange_rate": 952.40,
    "fee": 2.50,
    "payment_method_id": 42,
    "beneficiary_id": "ben-7a8b9c0d-1e2f-3a4b-5c6d-7e8f9a0b1c2d",
    "created_at": "2026-04-02T10:00:00.000000Z"
  }
}