Create payout

Create an outbound payout. The merchant sends funds out; InOut routes the operation to a configured provider. Unlike payments, payout requests must specify the recipient's destination. The response uses the operation object with type: "payout".

Endpoint

POST /v1/payout
Content-Type: application/json
X-API-Key: 01234567-89ab-4cde-8f01-23456789abcd

Request

Send the common fields from POST /v1/payment, plus the recipient's destination:

Field	Type	Required	Notes
`number`	string	yes	Recipient card or phone number, according to the method.
`name`	string	no	Recipient name; omitted or empty values default to `аноним`.
`bankname`	string	for phone methods	Bank code from the method's currency dictionary.

Reusing merchant_operation_id with different normalized destination details also returns 412. Omitting name and explicitly sending its default represent the same destination. A retry does not update recipient details or metadata.

Destination requirements by method:

WT_RUB_C2C — number is the required card number; name is the optional cardholder.
WT_RUB_PHONE — number is the phone number; name is the optional recipient; bankname is the required bank, from the RUB bank dictionary (e.g. sber, tcs).

Example — phone

curl -X POST https://api.alva.co.nl/v1/payout \
  -H "Content-Type: application/json" \
  -H "X-API-Key: 01234567-89ab-4cde-8f01-23456789abcd" \
  -d '{
    "merchant_operation_id": "9b372f87-2c8b-4d99-bd3f-7f7f9b1d33ef",
    "client_id":   "57b8a4ca-3a4b-4f01-9a5e-1f29c1cefb9b",
    "method":      "WT_RUB_PHONE",
    "amount":      "5000.00",
    "currency":    "RUB",
    "number":      "+79991234567",
    "bankname":    "sber"
  }'

Example — card

curl -X POST https://api.alva.co.nl/v1/payout \
  -H "Content-Type: application/json" \
  -H "X-API-Key: 01234567-89ab-4cde-8f01-23456789abcd" \
  -d '{
    "merchant_operation_id": "9b372f87-2c8b-4d99-bd3f-7f7f9b1d33ef",
    "client_id":   "57b8a4ca-3a4b-4f01-9a5e-1f29c1cefb9b",
    "method":      "WT_RUB_C2C",
    "amount":      "5000.00",
    "currency":    "RUB",
    "number":      "4111111111111111",
    "name":        "IVAN IVANOV"
  }'

Response

200 OK with an operation object where "type": "payout". Payouts usually return pending and reach their terminal status asynchronously once InOut has settled the transfer; that final transition is delivered via webhook. If the selected route uses auto-conversion, a pending response includes the fx_rate/fx_source quote, but NOT the recorded amount/currency fields — those are the ledger fact and only appear once the operation actually processes money (see Operation object).

For WT_RUB_PHONE, the response keeps the stable bank code in bankname and also includes its human-readable name in bankname_details.

For a payout, settlement_amount is the total charged to your balance, i.e. the payout amount plus the InOut commission_amount (both in settlement_currency) — the mirror of the payment case, where settlement_amount is the amount credited to you after commission.

Errors

See Errors. Same set of validation errors as payments.