Send Money

Send payments follow a structured flow: discover the payment method for the destination country, collect recipient bank details, lock an exchange rate quote, then execute the transfer.

Type Definitions

interface PayoutMethod {
  id: number;
  method_name: string;
  country: string;
  currency: string;
  base_currency: string;
}

interface BeneficiaryPaymentMethod {
  id: string;
  beneficiary_id: string;
  payment_method_id: number;
  account_details: Record<string, string>;
  created_at: string;
}

interface SendMoneyQuote {
  quote_id: string;       // valid for 5 minutes
  from_currency: string;
  to_currency: string;
  rate: string;
  amount: string;
  payout_data: {
    total_transaction_fee_in_from_currency: string;
    customer_sent_amount: string;
    customer_receive_amount: string;
    customer_total_amount_due: string;
  };
}

Step 1: Get Supported Payout Countries

Retrieve the full list of countries where Yativo supports outbound payments:

GET /payment-methods/payout/countries

curl -X GET 'https://api.yativo.com/api/v1/payment-methods/payout/countries' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'

{
  "status": "success",
  "data": [
    { "country": "Chile", "iso3": "CHL" },
    { "country": "Mexico", "iso3": "MEX" },
    { "country": "Brazil", "iso3": "BRA" },
    { "country": "Peru", "iso3": "PER" },
    { "country": "Colombia", "iso3": "COL" },
    { "country": "Argentina", "iso3": "ARG" }
  ]
}

Step 2: Get Payout Methods for Destination

Retrieve available payment rails for the destination country. Use the ISO 3166-1 alpha-3 country code:

GET /payment-methods/payout?country={iso3}

string

required

Destination country ISO 3166-1 alpha-3 code (e.g. CHL, MEX, BRA).

curl -X GET 'https://api.yativo.com/api/v1/payment-methods/payout?country=CHL' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'

curl -X GET 'https://api.yativo.com/api/v1/payment-methods/payout?country=MEX' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'

curl -X GET 'https://api.yativo.com/api/v1/payment-methods/payout?country=BRA' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'

{
  "status": "success",
  "data": [
    {
      "id": 21,
      "method_name": "Bank Transfer",
      "country": "CHL",
      "currency": "CLP",
      "base_currency": "CLP"
    }
  ]
}

Note the id — this is your payment_method_id for subsequent steps.

Step 3: Get Required Form Fields

Each payment method requires different recipient details (CLABE, account number, routing number, etc.). Retrieve the exact fields needed:

GET /beneficiary/form/show/{payment_method_id}

number

required

The payment method ID from Step 2.

curl -X GET 'https://api.yativo.com/api/v1/beneficiary/form/show/21' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'

Step 4: Create a Beneficiary

Create a beneficiary record for the recipient. The beneficiary_id returned here is used to attach bank details in Step 5.

POST /beneficiaries

string

required

Recipient’s full name (individual) or legal business name.

string

required

Recipient’s email address.

string

required

ISO 3166-1 alpha-3 country code (e.g. CHL, MEX, BRA).

string

required

"individual" or "business".

curl -X POST 'https://api.yativo.com/api/v1/beneficiaries' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: create-beneficiary-001' \
  -d '{
    "name": "Carlos Mendez",
    "email": "carlos@example.com",
    "country": "CHL",
    "type": "individual"
  }'

{
  "status": "success",
  "status_code": 201,
  "message": "Beneficiary created successfully",
  "data": {
    "beneficiary_id": "ben-7a8b9c0d-1e2f-3a4b-5c6d-7e8f9a0b1c2d",
    "name": "Carlos Mendez",
    "email": "carlos@example.com",
    "type": "individual",
    "country": "CHL",
    "created_at": "2026-04-02T10:00:00.000000Z"
  }
}

Step 5: Save Recipient Bank Details

Submit the recipient’s bank account details using the fields returned in Step 3:

POST /beneficiaries/payment-methods

string

required

The beneficiary ID from Step 4.

number

required

Payment method ID from Step 2.

object

required

Key-value pairs of the required fields (e.g. account_number, bank_code, clabe, pix_key).

curl -X POST 'https://api.yativo.com/api/v1/beneficiaries/payment-methods' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: unique-key-here' \
  -d '{
    "beneficiary_id": "benef_01HX9KZMB3F7VNQP8R2WDGT4E5",
    "payment_method_id": 21,
    "account_details": {
      "account_number": "12345678",
      "bank_code": "001",
      "account_type": "checking"
    }
  }'

curl -X POST 'https://api.yativo.com/api/v1/beneficiaries/payment-methods' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: unique-key-here' \
  -d '{
    "beneficiary_id": "benef_01HX9KZMB3F7VNQP8R2WDGT4E5",
    "payment_method_id": 30,
    "account_details": {
      "clabe": "012345678901234567"
    }
  }'

curl -X POST 'https://api.yativo.com/api/v1/beneficiaries/payment-methods' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: unique-key-here' \
  -d '{
    "beneficiary_id": "benef_01HX9KZMB3F7VNQP8R2WDGT4E5",
    "payment_method_id": 40,
    "account_details": {
      "pix_key": "carlos@example.com",
      "pix_key_type": "email"
    }
  }'

The response includes a saved payment method id for use in Step 7.

Step 6: Get an Exchange Rate Quote (Recommended)

Lock in a rate before executing the payment. Quotes are valid for 5 minutes:

POST /sendmoney/quote

string

required

Source currency code (e.g. USD, EUR).

string

required

Destination currency code (e.g. CLP, MXN, BRL).

number

required

Amount in the source currency.

string

required

The payment method ID saved in Step 5. This links the quote to the destination account so that executing POST /sendmoney knows where to deliver funds.

curl -X POST 'https://api.yativo.com/api/v1/sendmoney/quote' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: quote-001' \
  -d '{
    "from_currency": "USD",
    "to_currency": "CLP",
    "amount": 500,
    "beneficiary_payment_method_id": "pm-3a4b5c6d-7e8f-9a0b-1c2d-3e4f5a6b7c8d"
  }'

{
  "status": "success",
  "data": {
    "quote_id": "4a72ecf8-6c8a-4e38-9971-8aabe9f785ed",
    "from_currency": "USD",
    "to_currency": "CLP",
    "rate": "950.00",
    "amount": "500.00",
    "payout_data": {
      "total_transaction_fee_in_from_currency": "11.15",
      "customer_sent_amount": "500.00",
      "customer_receive_amount": "462925.00",
      "customer_total_amount_due": "511.15"
    }
  }
}

Quotes are valid for 5 minutes. Execute the send money request within this window using the quote_id.

Step 7: Send Money

Execute the payment using the quote ID:

POST /sendmoney

string

required

The quote ID from Step 6. Guarantees the locked rate.

curl -X POST 'https://api.yativo.com/api/v1/sendmoney' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: unique-payout-key' \
  -d '{
    "quote_id": "4a72ecf8-6c8a-4e38-9971-8aabe9f785ed"
  }'

Alternatively, initiate a quick payout directly from your wallet without a quote:

POST /wallet/payout

cURL (wallet payout)

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: unique-payout-key' \
  -d '{
    "debit_wallet": "USD",
    "payment_method_id": 21,
    "amount": 500
  }'

Step 8: Track the Payment

Monitor the payment status in real-time:

GET /transaction/tracking/{transactionId}

curl -X GET 'https://api.yativo.com/api/v1/transaction/tracking/a0e9e50e-81be-4bd0-9941-0151e68b9e97' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'

{
  "status": "success",
  "data": [
    { "tracking_status": "Payment credited to beneficiary", "created_at": "2026-04-01T10:03:22Z" },
    { "tracking_status": "With Beneficiary's Bank/Rail", "created_at": "2026-04-01T10:02:54Z" },
    { "tracking_status": "Processed by Yativo", "created_at": "2026-04-01T10:01:45Z" },
    { "tracking_status": "Send money initiated", "created_at": "2026-04-01T10:00:00Z" }
  ]
}

Manage Saved Payment Methods

List All Saved Methods

GET /beneficiaries/payment-methods/all

Update a Saved Method

PUT /beneficiaries/payment-methods/update/{id}

Delete a Saved Method

DELETE /beneficiaries/payment-methods/delete/{id}

Transaction Purpose

For compliance, submit the purpose of a transaction after initiating it:

POST /sendmoney/purpose

string

required

The transaction ID returned from POST /sendmoney.

string

required

A short description of the payment purpose, e.g. "family_support", "business_payment", "invoice".

curl -X POST 'https://api.yativo.com/api/v1/sendmoney/purpose' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: purpose-001' \
  -d '{
    "transaction_id": "a0e9e50e-81be-4bd0-9941-0151e68b9e97",
    "purpose": "family_support"
  }'

Yativo supports payouts to LATAM (CHL, MEX, BRA, PER, COL, ARG), USA, and Europe. Contact your integration team for additional corridors.

Get Started

Payments

Wallets

Customers & Compliance

Transactions

Products

Developer Tools

Regional Guides

Step 1: Get Supported Payout Countries

Step 2: Get Payout Methods for Destination

Step 3: Get Required Form Fields

Step 4: Create a Beneficiary

Step 5: Save Recipient Bank Details

Step 6: Get an Exchange Rate Quote (Recommended)

Step 7: Send Money

Step 8: Track the Payment

Manage Saved Payment Methods

List All Saved Methods

Update a Saved Method

Delete a Saved Method

Transaction Purpose

​Step 1: Get Supported Payout Countries

​Step 2: Get Payout Methods for Destination

​Step 3: Get Required Form Fields

​Step 4: Create a Beneficiary

​Step 5: Save Recipient Bank Details

​Step 6: Get an Exchange Rate Quote (Recommended)

​Step 7: Send Money

​Step 8: Track the Payment

​Manage Saved Payment Methods

​List All Saved Methods

​Update a Saved Method

​Delete a Saved Method

​Transaction Purpose

Step 1: Get Supported Payout Countries

Step 2: Get Payout Methods for Destination

Step 3: Get Required Form Fields

Step 4: Create a Beneficiary

Step 5: Save Recipient Bank Details

Step 6: Get an Exchange Rate Quote (Recommended)

Step 7: Send Money

Step 8: Track the Payment

Manage Saved Payment Methods

List All Saved Methods

Update a Saved Method

Delete a Saved Method

Transaction Purpose