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POST
/
v1
/
payouts
Payout
curl --request POST \
  --url https://carbonapistagingsecure.getcarbon.co/baas/api/v1/payouts \
  --header 'Content-Type: application/json' \
  --header 'apikey: <api-key>' \
  --header 'x-carbon-key: <x-carbon-key>' \
  --data '
{
  "amount": "Provide amount",
  "source": {
    "account_number": "Provide source account number"
  },
  "beneficiary": {
    "bank_code": "Provide bank code",
    "bank_name": "Provide bank name",
    "account_number": "Provide account number",
    "account_name": "Provide account name"
  },
  "reference": "Provide reference",
  "meta_data": {},
  "remark": "Provide remark"
}
'
const options = {
method: 'POST',
headers: {
'x-carbon-key': '<x-carbon-key>',
apikey: '<api-key>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
amount: 'Provide amount',
source: {account_number: 'Provide source account number'},
beneficiary: {
bank_code: 'Provide bank code',
bank_name: 'Provide bank name',
account_number: 'Provide account number',
account_name: 'Provide account name'
},
reference: 'Provide reference',
meta_data: {},
remark: 'Provide remark'
})
};

fetch('https://carbonapistagingsecure.getcarbon.co/baas/api/v1/payouts', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));
<?php

$curl = curl_init();

curl_setopt_array($curl, [
CURLOPT_URL => "https://carbonapistagingsecure.getcarbon.co/baas/api/v1/payouts",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'amount' => 'Provide amount',
'source' => [
'account_number' => 'Provide source account number'
],
'beneficiary' => [
'bank_code' => 'Provide bank code',
'bank_name' => 'Provide bank name',
'account_number' => 'Provide account number',
'account_name' => 'Provide account name'
],
'reference' => 'Provide reference',
'meta_data' => [

],
'remark' => 'Provide remark'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"apikey: <api-key>",
"x-carbon-key: <x-carbon-key>"
],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}
import requests

url = "https://carbonapistagingsecure.getcarbon.co/baas/api/v1/payouts"

payload = {
"amount": "Provide amount",
"source": { "account_number": "Provide source account number" },
"beneficiary": {
"bank_code": "Provide bank code",
"bank_name": "Provide bank name",
"account_number": "Provide account number",
"account_name": "Provide account name"
},
"reference": "Provide reference",
"meta_data": {},
"remark": "Provide remark"
}
headers = {
"x-carbon-key": "<x-carbon-key>",
"apikey": "<api-key>",
"Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)
require 'uri'
require 'net/http'

url = URI("https://carbonapistagingsecure.getcarbon.co/baas/api/v1/payouts")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-carbon-key"] = '<x-carbon-key>'
request["apikey"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"amount\": \"Provide amount\",\n \"source\": {\n \"account_number\": \"Provide source account number\"\n },\n \"beneficiary\": {\n \"bank_code\": \"Provide bank code\",\n \"bank_name\": \"Provide bank name\",\n \"account_number\": \"Provide account number\",\n \"account_name\": \"Provide account name\"\n },\n \"reference\": \"Provide reference\",\n \"meta_data\": {},\n \"remark\": \"Provide remark\"\n}"

response = http.request(request)
puts response.read_body
package main

import (
"fmt"
"strings"
"net/http"
"io"
)

func main() {

url := "https://carbonapistagingsecure.getcarbon.co/baas/api/v1/payouts"

payload := strings.NewReader("{\n \"amount\": \"Provide amount\",\n \"source\": {\n \"account_number\": \"Provide source account number\"\n },\n \"beneficiary\": {\n \"bank_code\": \"Provide bank code\",\n \"bank_name\": \"Provide bank name\",\n \"account_number\": \"Provide account number\",\n \"account_name\": \"Provide account name\"\n },\n \"reference\": \"Provide reference\",\n \"meta_data\": {},\n \"remark\": \"Provide remark\"\n}")

req, _ := http.NewRequest("POST", url, payload)

req.Header.Add("x-carbon-key", "<x-carbon-key>")
req.Header.Add("apikey", "<api-key>")
req.Header.Add("Content-Type", "application/json")

res, _ := http.DefaultClient.Do(req)

defer res.Body.Close()
body, _ := io.ReadAll(res.Body)

fmt.Println(string(body))

}
{
  "status": "success",
  "message": "payout was initiated successfully",
  "data": {
    "amount": 150,
    "total": 175,
    "fee": 25,
    "reference": "204041344312337",
    "beneficiary": {
      "bank_code": "057",
      "bank_name": "Dummy Bank",
      "account_number": "32324546565",
      "account_name": "Test User"
    }
  }
}

Overview

This endpoint allows you to initiate a payout to a beneficiary account by providing the necessary details such as amount, source account, and beneficiary information.
Before creating a payout, you must validate the beneficiary bank account using the Resolve Account endpoint to ensure the account details are correct.
The minimum payout amount is ₦200.

Request

Method: POST
URL: /v1/payouts

Parameters

NameInTypeRequiredDescription
x-carbon-keyHeaderstringYesAPI key for authentication.

Request Body

FieldTypeRequiredDescription
amountnumberYesAmount to be paid out in kobo (minimum: 20000 = ₦200)
source.account_numberstringYesSource account number for the payout
beneficiary.bank_codestringYesBank code of the beneficiary’s bank
beneficiary.bank_namestringYesName of the beneficiary’s bank
beneficiary.account_numberstringYesBeneficiary’s account number (must be validated using /api-reference/banks/resolve-account)
beneficiary.account_namestringYesBeneficiary’s account name (obtained from resolve account response)
referencestringYesUnique reference for this payout request (max 30 characters)
meta_dataobjectNoAdditional metadata for the transaction
remarkstringYesDescription or note for the payout
The reference field must be unique for each new payout request. Using a duplicate reference will result in an error.
Example Reference Formats:
  • PAYOUT_USER123_20260119
  • PAY_INV_456789
  • SALARY_EMP001_JAN26
{
  "amount": 15000,
  "source": {
    "account_number": "1234567890"
  },
  "beneficiary": {
    "bank_code": "565",
    "bank_name": "CARBON",
    "account_number": "9876543210",
    "account_name": "John Doe"
  },
  "reference": "PAYOUT_USER123_20260119",
  "meta_data": {},
  "remark": "Payment for services"
}

Response

Status Code: 200 OK
Content-Type: application/json

Example Response

{
  "status": "success",
  "message": "Payout was initiated successfully",
  "data": {
    "amount": 15000,
    "total": 15000,
    "fee": 0,
    "reference": "PAYOUT_USER123_20260119",
    "beneficiary": {
      "bank_code": "565",
      "bank_name": "CARBON",
      "account_number": "9876543210",
      "account_name": "John Doe"
    }
  }
}

Authorizations

apikey
string
header
required

Provide your API key in the 'apikey' header.

Headers

x-carbon-key
string
required

Body

application/json

Provide the required values for the request body.

amount
number
required

Provide amount

source
object
required
beneficiary
object
required
reference
string
required

Provide reference

meta_data
object
required
remark
string
required

Provide remark

Response

200 - application/json

OK

The response is of type object.