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

# Initiate Payout

> Send money to a beneficiary using a payment method

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
```

<Note>
  Requires `Idempotency-Key` header. Use a unique key per payout to prevent duplicate transactions.
</Note>

## Request body

<ParamField body="debit_wallet" type="string" required>
  The source wallet currency to debit (e.g. `"USD"`, `"EUR"`).
</ParamField>

<ParamField body="payment_method_id" type="number" required>
  The ID of the beneficiary payment method to use. Obtained from `GET /payment-methods/payout` or saved beneficiary payment methods.
</ParamField>

<ParamField body="quote_id" type="string">
  A quote ID from `POST /exchange-rate` or `POST /sendmoney/quote`. When provided, the exchange rate is locked and `amount` is taken from the quote. Recommended to guarantee rates.
</ParamField>

<ParamField body="amount" type="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.
</ParamField>

<ParamField body="beneficiary_id" type="string">
  The UUID of a saved beneficiary to pay.
</ParamField>

<Warning>
  Using a `quote_id` is strongly recommended for cross-currency payouts to protect both you and your customers from exchange rate fluctuations during processing.
</Warning>

<RequestExample>
  ```bash cURL — With quote theme={null}
  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"
    }'
  ```

  ```bash cURL — Without quote theme={null}
  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-2026-04-02-002' \
    -d '{
      "debit_wallet": "USD",
      "payment_method_id": 15,
      "amount": 500.00,
      "beneficiary_id": "ben-7a8b9c0d-1e2f-3a4b-5c6d-7e8f9a0b1c2d"
    }'
  ```
</RequestExample>

<ResponseExample>
  ```json Success theme={null}
  {
    "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"
    }
  }
  ```

  ```json Insufficient Funds theme={null}
  {
    "status": "error",
    "status_code": 400,
    "message": "Insufficient wallet balance",
    "data": null
  }
  ```
</ResponseExample>