Quickstart
Get your team API keys and send your first request in under 5 minutes.
Payouts API
Send money to bank accounts and mobile wallets using local rails.
Virtual Accounts
Issue dedicated account numbers for USD, EUR, GBP, MXN, COP, and NGN.
Webhooks
Listen to real-time events for deposits, payouts, cards, and KYC updates.
Environments & Base URLs
Yativo maintains two separate environments for integration and live money movement:All API requests must be served over HTTPS. On production, API keys require IP Whitelisting before write requests are accepted. Sandbox requests allow testing without IP whitelist restrictions.
Core Capabilities
1. Money Movement
- Payouts: Instant or local-rail disbursements to bank accounts, mobile money, and crypto wallets. The standard payout endpoint is
POST /api/v1/payout/simple. - Payins & Onramp: Accept local currency bank transfers, mobile money, and card collections that settle directly to USD, USDC, or local currency balances.
- FX & Locked Quotes: Fetch real-time market rates or create locked quotes that freeze exchange rates and fee calculations.
2. Accounts & Cards
- Virtual Accounts: Generate dedicated international IBANs, ACH routing numbers, CLABE (Mexico), and NGN accounts to receive customer wire/bank transfers.
- Virtual & Corporate Cards: Issue Visa/Mastercard cards on demand with configurable employee limits, programmatic freeze/unfreeze, and real-time transaction hooks.
- Merchant Card Checkout: Offer 3D-Secure hosted credit/debit card checkout for your platform merchants and digital creators.
3. Enterprise Operations
- Revenue Splitting: Automatically split gross transactions across partner wallets and external beneficiaries with automated fee allocation.
- Recurring Subscriptions: Bill customer balances automatically on a recurring schedule.
- Granular Team Access: Manage organizations with role-based permissions (Admin, Manager, Finance, Operations, Viewer) and FIDO2 WebAuthn passkeys.