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.
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:
- Authenticate and retrieve a token
- Check your payout balance
- Submit a payout request
- 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 1 day ago