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Payouts

Pay faster and smarter with N-Genius Payouts. Instantly send money worldwide—to bank accounts, cards, or saved payment methods—reducing errors and keeping your customers happy. With real-time tracking and built-in safeguards, you can trust every payout is secure and compliant.

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What is Payouts?

The N-Genius Online Payouts feature allows you to send funds directly to your customers, suppliers, or partners. Whether you're issuing a refund, commission, loan, or rebate — Payouts offers a seamless way to push money to cards, bank accounts, or previously saved payment methods.

Why use Payouts?

  • ✅ Pay individuals and businesses directly to their bank accounts or cards
  • ✅ Eliminate manual processing and errors
  • ✅ Improve customer experience with faster disbursements
  • ✅ Easily track each payout through a real-time dashboard or API
  • ✅ Full KYC and compliance integration built-in

Real-World Use Cases

  • Refunding a customer to their original card or bank account
  • Disbursing partner commissions and incentives
  • Sending payouts for insurance claims or financial services
  • Returning funds to a previously saved card

Payout Flow

graph TD A[Start: Get Access Token] --> B[Check Balance] B --> C[Submit Payout Request] C --> D[Transaction Processed by Network] D --> E[Merchant Gets Confirmation & Can Query Status]

Supported Payout Destinations

Type Description Use Case
ACCOUNT Pay directly to a bank account Local or international bank transfers
CARD Pay directly to a card (Visa, MasterCard) Refund to cardholder
SAVED_CARD Pay to a previously saved card (via vault/token) Repeat disbursements to existing customers
ORDER_REF Use a prior payment’s order reference Refund/return tied to specific past transactions

Things to Keep in Mind

  • You will need your Merchant Reference and Payout API key to initiate payouts
  • Each payout requires a Purpose Code for compliance (e.g., REFUND, COMMISSION, LOAN)
  • Payouts may be subject to screening based on the recipient’s profile and country

Next Steps

To start using Payouts, make sure your technical team is ready to:

  1. Authenticate and retrieve a token
  2. Check your payout balance
  3. Submit a payout request
  4. View and manage transactions

Helpful Resources

Ready to dive in? Pass this link to your developers and start testing payouts in the sandbox environment.

Updated 14 days ago