# 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](mailto:support@finix.com).

## Step 1: Create a Recipient Identity

The first step for making a payout is creating a [`RECIPIENT` Identity](/api/identities/createidentity) 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)

```json
{
  "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)

```json
{
  "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](/guides/online-payments/payment-tokenization/tokenization-forms) or [Mobile Tokenization](/guides/online-payments/payment-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](/guides/getting-started/support-at-finix/).

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](mailto:support@finix.com).

Example
API Definition
Example
Payment Instrument - Card

```json
{
  "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

```json
{
  "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

```json
{
  "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](/additional-resources/developers/authentication-and-api-basics/idempotent-request).

The recipient of the card payout must be:

- an `Identity` whose `identity_roles` includes `RECIPIENT`
- an approved `Merchant`

Example
API Definition