card payouts.md

Card Payouts

Send funds to your recipient's debit or credit card using Payouts. Please note card payouts are only available to Visa and Mastercard cards.

If you have any questions about creating payouts, reach out to your Finix Point of Contact or Finix Support.

Step 1: Create a Recipient Identity

The first step for making a payout is creating a RECIPIENT Identity to represent whom you'll send funds to. The Identity resource helps manage bank accounts, cards, payout history, and the details of your customers. You can create either PERSONAL or BUSINESS Recipients.

Required Data

Required	Optional	Invalid

Field	`type: PERSONAL`	`type: BUSINESS`
Type `type`
First Name `first_name`
Last Name `last_name`
Personal Address `personal_address`
Business Name `business_name`
Doing Business As `doing_business_as`
Business Address `business_address`
Business Phone `business_phone`
Personal Email `email`
Personal Phone `phone`

API Request

Personal Recipient Recipient (Personal)

{
  "id": "IDdRDX7H6hNcm4HexJBeZVUV",
  "created_at": "2024-08-08T09:36:10.26Z",
  "updated_at": "2024-08-08T09:36:10.26Z",
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "entity": {
    "ach_max_transaction_amount": 0,
    "amex_mid": null,
    "annual_card_volume": 0,
    "business_address": null,
    "business_name": null,
    "business_phone": null,
    "business_tax_id_provided": false,
    "business_type": null,
    "default_statement_descriptor": null,
    "discover_mid": null,
    "dob": null,
    "doing_business_as": null,
    "email": null,
    "first_name": "John",
    "has_accepted_credit_cards_previously": false,
    "incorporation_date": null,
    "last_name": "Jeremy",
    "max_transaction_amount": 0,
    "mcc": null,
    "ownership_type": null,
    "personal_address": {
      "line1": "789 Oak Drive",
      "line2": null,
      "city": "Springfield",
      "region": "IL",
      "postal_code": "62704",
      "country": "USA"
    },
    "phone": null,
    "principal_percentage_ownership": null,
    "short_business_name": null,
    "tax_authority": null,
    "tax_id_provided": false,
    "title": null,
    "url": null
  },
  "identity_roles": [
    "RECIPIENT"
  ],
  "tags": {},
  "type": "PERSONAL",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/verifications"
    },
    "merchants": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/merchants"
    },
    "settlements": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/settlements"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/transfers"
    },
    "payment_instruments": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/payment_instruments"
    },
    "associated_identities": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/associated_identities"
    },
    "disputes": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/disputes"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    }
  }
}

Business Recipient Recipient (Business)

{
  "id": "IDjYHnn5kKQjpxh4gaFBih1n",
  "created_at": "2024-08-08T09:26:15.85Z",
  "updated_at": "2024-08-08T09:26:15.85Z",
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "entity": {
    "ach_max_transaction_amount": 0,
    "amex_mid": null,
    "annual_card_volume": 0,
    "business_address": {
      "line1": "7890 Oak Drive",
      "line2": "Suite 101",
      "city": "Smalltown",
      "region": "TX",
      "postal_code": "75432",
      "country": "USA"
    },
    "business_name": "Blue Horizon Technologies",
    "business_phone": null,
    "business_tax_id_provided": false,
    "business_type": null,
    "default_statement_descriptor": null,
    "discover_mid": null,
    "dob": null,
    "doing_business_as": "B.H. Technologies",
    "email": null,
    "first_name": "John",
    "has_accepted_credit_cards_previously": false,
    "incorporation_date": null,
    "last_name": "Jeremy",
    "max_transaction_amount": 0,
    "mcc": null,
    "ownership_type": null,
    "personal_address": {
      "line1": "741 Douglass St",
      "line2": "Apartment 7",
      "city": "San Mateo",
      "region": "CA",
      "postal_code": "94114",
      "country": "USA"
    },
    "phone": null,
    "principal_percentage_ownership": null,
    "short_business_name": null,
    "tax_authority": null,
    "tax_id_provided": false,
    "title": null,
    "url": null
  },
  "identity_roles": [
    "RECIPIENT"
  ],
  "tags": {},
  "type": "BUSINESS",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/verifications"
    },
    "merchants": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/merchants"
    },
    "settlements": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/settlements"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/transfers"
    },
    "payment_instruments": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/payment_instruments"
    },
    "associated_identities": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/associated_identities"
    },
    "disputes": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDjYHnn5kKQjpxh4gaFBih1n/disputes"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    }
  }
}

Step 2: Add a Payment Instrument for the Recipient

PCI Level 1 Compliance Creating Payment Instruments and passing payment details (account number, card number, etc.) directly via the API should only be done for testing purposes and by PCI Level 1 compliant entities. If you aren't a Level 1 PCI-compliant entity, you must use our Tokenization Forms or Mobile Tokenization to accept payment details and comply with PCI regulations. If you have any questions, please don't hesitate to reach out to your Finix point of contact or email the Finix Support team.

Now that we've created an Identity for our recipient, we'll need to create a Payment Instrument using the recipient's card details. A Payment Instrument represents the recipient's payment method that will receive funds. When creating Payment Instruments for Payouts, attempt_bank_account_validation_check must be set to true.

If you have any questions about creating Payment Instruments, reach out to your Finix Point of Contact or Finix Support.

Example API Definition Example Payment Instrument - Card

{
  "id": "PI6F5kkcCB3dtGhFy1t8Aua5",
  "created_at": "2024-11-15T09:42:33.42Z",
  "updated_at": "2024-11-15T09:42:33.42Z",
  "account_updater_enabled": false,
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "created_via": "API",
  "currency": "USD",
  "disabled_code": null,
  "disabled_message": null,
  "enabled": true,
  "fingerprint": "FPRiCenDk2SoRng7WjQTr7RJY",
  "identity": "IDgWxBhfGYLLdkhxx2ddYf9K",
  "instrument_type": "PAYMENT_CARD",
  "address": {
    "line1": "900 Metro Center Blv",
    "line2": null,
    "city": "San Francisco",
    "region": "CA",
    "postal_code": "94404",
    "country": "USA"
  },
  "address_verification": "UNKNOWN",
  "bin": "520082",
  "brand": "MASTERCARD",
  "card_type": "DEBIT",
  "expiration_month": 12,
  "expiration_year": 2029,
  "issuer_country": "NON_USA",
  "last_four": "8210",
  "name": "John Jeremy",
  "network_token_enabled": false,
  "network_token_state": "NOT_ENABLED",
  "security_code_verification": "UNKNOWN",
  "tags": {},
  "third_party": null,
  "third_party_token": null,
  "type": "PAYMENT_CARD",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/transfers"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/verifications"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgWxBhfGYLLdkhxx2ddYf9K"
    },
    "updates": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/updates"
    }
  }
}

API Definition

Step 3: Verify the Payment Instrument

After associating a payment instrument with a recipient, you must verify the card's eligibility for push-to-card by submitting the following request. The resulting Verification resource provides general attributes and specific card details, including card type and issuer information.

Example API Definition Example Card is eligible for push-to-card

{
  "id": "VI9cSUm3SDaLKtuL92Z34rK9",
  "created_at": "2025-11-07T20:36:16.90Z",
  "updated_at": "2025-11-07T20:36:16.92Z",
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "identity": null,
  "merchant": null,
  "merchant_identity": null,
  "messages": [],
  "outcome_summary": null,
  "outcomes": null,
  "payment_instrument": "PIn8as75qLQFqQ7G4NdBUk58",
  "payment_instrument_verification_details": {
    "push_to_card_domestic": null,
    "push_to_card_cross_border": null,
    "card_type": null,
    "billing_currency": null,
    "issuer_country": "UNKNOWN",
    "name_verification_results": {
      "first_name_verification": "UNKNOWN",
      "last_name_verification": "UNKNOWN",
      "middle_name_verification": "UNKNOWN",
      "name_verification": "UNKNOWN"
    }
  },
  "processor": "DUMMY_V1",
  "raw": null,
  "state": "PENDING",
  "tags": {
    "card_name": "Business_Card"
  },
  "trace_id": "63eefc66-81a3-4f24-a09d-bb7650e23943",
  "type": "PAYMENT_INSTRUMENT",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/verifications/VI9cSUm3SDaLKtuL92Z34rK9"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "payment_instrument": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIn8as75qLQFqQ7G4NdBUk58"
    }
  }
}

API Definition

Payment Instrument Verification Result Codes

Card Type (`card_type`)

This code indicates whether the card is credit, debit, or prepaid.

`CODE`	Description
`CREDIT`	Credit or Charge Card
`DEBIT`	Debit or Deferred Debit Card
`HSA_FSA`	HSA or FSA Card
`RELOADABLE_PREPAID`	Reloadable Prepaid Card
`UNRELOADABLE_PREPAID`	Unreloadable Prepaid Card
`UNKNOWN`	Unknown

Pull From Card Cross Border (`pull_from_card_cross_border`)

This field indicates whether pull-from-card functionality is supported cross-border for this instrument.

`CODE`	Description
`FAST_FUNDS`	Indicates fast fund movement is supported for this instrument
`NON_FAST_FUNDS`	Indicates movement is supported for this instrument
`NOT_SUPPORTED`	Indicates this instrument is not supported
`UNKNOWN`	Unexpected verification result

Pull From Card Domestic (`pull_from_card_domestic`)

This field indicates whether pull-from-card functionality is supported domestically for this instrument.

Push to Card Domestic (`push_to_card_domestic`)

This field is used to indicate push to card functionality is supported domestically for this instrument.

Push to Card Cross Border (`push_to_card_cross_border`)

This field is used to indicate push to card functionality is supported cross border for this instrument.

Step 4: Verify and Onboard the Recipient Account

Now that we've associated a Payment Instrument with our recipient's Identity we're ready to provision a recipient account. This is the last step before you can begin paying out a recipient Identity. Luckily you've already done most of the heavy lifting - make one final POST request, a Merchant resource will get returned.

Example API Definition Example Merchant

{
  "id": "MUeTBamsYxqr1KSnT4U2x9SP",
  "created_at": "2024-08-16T13:11:36.72Z",
  "updated_at": "2024-08-16T13:11:36.72Z",
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "card_cvv_required": false,
  "card_expiration_date_required": true,
  "card_network_details": null,
  "convenience_charges_enabled": false,
  "country": "USA",
  "creating_transfer_from_report_enabled": true,
  "currencies": [
    "USD"
  ],
  "default_partial_authorization_enabled": false,
  "disbursements_ach_pull_enabled": false,
  "disbursements_ach_push_enabled": false,
  "disbursements_card_pull_enabled": false,
  "disbursements_card_push_enabled": false,
  "disbursements_same_day_ach_pull_enabled": false,
  "disbursements_same_day_ach_push_enabled": false,
  "fee_ready_to_settle_upon": "RECONCILIATION",
  "gateway": null,
  "gross_settlement_enabled": false,
  "identity": "ID6ZC4KedcaCwECQcWr7SM4m",
  "instant_payouts_card_push_enabled": false,
  "level_two_level_three_data_enabled": false,
  "loan_repayment": null,
  "mcc": "4900",
  "merchant_name": "Blue Horizon Technologies",
  "merchant_profile": "MP8aC84QAtA69Qhv6BJSyvHr",
  "mid": null,
  "onboarding_state": "PROVISIONING",
  "processing_enabled": false,
  "processor": "DUMMY_V1",
  "processor_details": {},
  "ready_to_settle_upon": "RECONCILIATION",
  "ready_to_settle_upon_delay_alignment": "NONE",
  "rent_surcharges_enabled": false,
  "settlement_enabled": false,
  "settlement_funding_identifier": "UNSET",
  "surcharges_enabled": false,
  "tags": {
    "key_2": "value_2"
  },
  "unreferenced_refund_manual_entry_enabled": false,
  "verification": "VI7jopNSiaVMXWKkhxt6dJm7",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/merchants/MUeTBamsYxqr1KSnT4U2x9SP"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID6ZC4KedcaCwECQcWr7SM4m"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/merchants/MUeTBamsYxqr1KSnT4U2x9SP/verifications"
    },
    "merchant_profile": {
      "href": "https://finix.sandbox-payments-api.com/merchant_profiles/MP8aC84QAtA69Qhv6BJSyvHr"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "verification": {
      "href": "https://finix.sandbox-payments-api.com/verifications/VI7jopNSiaVMXWKkhxt6dJm7"
    }
  }
}

API Definition

Step 5: Send Payout

Next you'll need to create a Transfer. A Transfer represents any flow of funds either to or from a Payment Instrument. In this case a payout to a debit or credit card.

To create a Transfer:

Include the ID of the Payment Instrument of the previously tokenized card as the destination.
In amount, set the funds to send in cents. In the below example, $150.00 is getting paid out.
Recommended to include an idempotency_id field in the payload. For more information, see Idempotent Requests.

The recipient of the card payout must be:

an Identity whose identity_roles includes RECIPIENT
an approved Merchant

Example API Definition

Card Payouts

Step 1: Create a Recipient Identity

Required Data

API Request

Step 2: Add a Payment Instrument for the Recipient

Step 3: Verify the Payment Instrument

Payment Instrument Verification Result Codes

Card Type (card_type)

Pull From Card Cross Border (pull_from_card_cross_border)

Pull From Card Domestic (pull_from_card_domestic)

Push to Card Domestic (push_to_card_domestic)

Push to Card Cross Border (push_to_card_cross_border)

Step 4: Verify and Onboard the Recipient Account

Step 5: Send Payout

Card Type (`card_type`)

Pull From Card Cross Border (`pull_from_card_cross_border`)

Pull From Card Domestic (`pull_from_card_domestic`)

Push to Card Domestic (`push_to_card_domestic`)

Push to Card Cross Border (`push_to_card_cross_border`)