Skip to main content
POST
Available in🇮🇳 India🇲🇾 Malaysia🇸🇬 Singapore🇺🇸 United States
Use this endpoint to create a payout to bank account using Composite Payout API.
Watch Out!Ensure you allowlist IPs and pass the idempotency key to make a successful payout.

Consider the points given below before firing this API:
  • Contact
    • A new contact is created if any combination of the following details is unique:
      • fund_account.contact.name
      • fund_account.contact.email
      • fund_account.contact.contact
      • fund_account.contact.type
      • fund_account.contact.reference_id
    • If all the above details match the details of an existing contact, the API returns details of the existing contact.
    • Use the Update Contact API if you want to make changes to an existing contact.
  • Fund Account
    • A new fund account is created if any combination of the following details is unique:
      • fund_account.card.name
      • fund_account.card.number
      • fund_account.contact.name
      • fund_account.contact.email
      • fund_account.contact.contact
      • fund_account.contact.type
      • fund_account.contact.reference_id
    • If all the above details match the details of an existing fund account, the API returns details of the existing fund account.
    • You cannot edit the details of a fund account.
To understand the status of the payouts, refer to Payout Status Details.

​
Request Parameters

​
string
required
The account from which you want to make the payout.
Account details can be found on the RazorpayX Dashboard. For example, 7878780080316316.
  • Pass your customer identifier if you want money to be deducted from RazorpayX Lite.
  • Pass your Current Account number if you want money to be deducted from your Current Account.
Watch Out!
  • This is not your contact’s bank account number. Log in to your RazorpayX Dashboard and go to My Account & Settings → Banking → Customer Identifier.
  • This value is different for Test Mode and Live Mode.
  • RazorpayX Lite is currently not available for new merchants. To set up a new RazorpayX account, refer to Current Account.
​
integer
required
The payout amount, in paise. For example, pass 1000000 to transfer an amount of ₹10,000. Minimum value is 100.
The value passed here does not include fees and tax. Fees and tax, if any, are deducted from your account balance.
​
string
required
The payout currency. Here, it is INR.
​
string
required
The mode to be used to create the payout. Available modes:
  • NEFT
  • RTGS
  • IMPS
The payout modes are case-sensitive. When creating payouts using APIs, ensure payout modes are entered in upper case.
​
string
required
The purpose of the payout. Classifications available in the system by default:
  • refund
  • cashback
  • payout
  • salary
  • utility bill
  • vendor bill
Additional purposes for payouts can be created via the Dashboard and then used in the API. However, it is not possible to create a new purpose for the payout via the API.
​
object
required
Details of the contact and fund account to which the payout should be made.
​
string
required
The type of account to be linked to the contact ID. Here, the value has to be bank_account.
​
object
required
The contact’s bank account details.
​
string
required
Account holder’s name. Between 4 and 120 characters. This field is case-sensitive. Supported characters: a-z, A-Z, 0-9, space, ’ , - , _ , / , ( , ) and , .. For example,Gaurav Kumar.
​
string
required
Beneficiary bank IFSC. Has to be 11 characters. Unique identifier of a bank branch. For example, HDFC0000053.
​
string
required
Beneficiary bank account number. Between 5 and 35 characters. Supported characters: a-z, A-Z and 0-9. Beneficiary account number. For example, 765432123456789.
​
object
required
Details of the contact to whom the payout should be made.
​
string
required
Contact’s name. Minimum 3 characters. Maximum 50 characters. This field is case-sensitive. Supported characters: a-z, A-Z, 0-9, space, ’ , - , _ , / , ( , ) and , .. For example, Gaurav Kumar.
​
string
The contact’s email address. For example, gaurav.kumar@example.com.
​
string
The contact’s phone number. For example, 9000090000.
​
string
Classification for the contact. For example, employee. Classifications are available by default:
  • vendor
  • customer
  • employee
  • self
Additional classifications can be created via the Dashboard and then used in APIs. It is not possible to create new classifications via the API.
​
string
Maximum length is 40 characters. A reference you enter for the contact. For example, Acme Contact ID 12345.
​
object
Notes you can enter for the contact for future reference. This is a key-value pair. For example, "note_key": "Beam me up Scotty".
​
boolean
Possible values:
  • true: The payout is queued when your business account does not have sufficient balance to process the payout.
  • false (default): The payout is never queued. The payout fails if your business account does not have sufficient balance to process the payout.
​
string
Maximum length is 40 characters. A reference you enter for the payout. For example, Acme Transaction ID 12345. You can use this field to store your own transaction ID, if any.
​
string
Maximum length 30 characters. Allowed characters: a-z, A-Z, 0-9 and space. This is a custom note that also appears on the bank statement. If no value is passed for this parameter, it defaults to the Merchant Billing Label.

Enter the important text in the first 9 characters as banks truncate the rest as per their standards.
​
array
Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

​
Response Parameters

​
string
The unique identifier linked to the payout. For example, pout_00000000000001.
​
string
The entity being created. Here, it will be payout.
​
string
The unique identifier linked to the fund account. For example, fa_00000000000001.
​
object
Contact and fund account details to which the payout was made.
​
string
The unique identifier linked to the fund account. For example, fa_00000000000001.
​
string
Here it will be fund_account.
​
string
The unique identifier linked to the contact. For example, cont_00000000000001.
​
object
Details of the contact to whom the payout is being made.
​
string
The unique identifier linked to the contact. For example, cont_00000000000001.
​
string
The entity being created. Here, it will be contact.
​
string
The contact’s name. For example, Gaurav Kumar.
​
string
The contact’s phone number. For example, 9000090000.
​
string
The contact’s email address. For example, gaurav.kumar@example.com.
​
string
Classification for the contact being created. For example, employee. Classifications are available by default:
  • vendor
  • customer
  • employee
  • self
​
string
A reference you entered for the contact. For example, Acme Contact ID 12345.
​
string
This value is returned if the contact was created as part of a bulk upload. For example, batch_00000000000001.
​
boolean
Possible values:
  • true: active
  • false: inactive
​
object
User-entered notes for internal reference. This is a key-value pair. You can enter a maximum of 15 key-value pairs. For example, "note_key": "Beam me up Scotty”.
​
integer
Timestamp, in Unix, when the contact was created. For example, 1545320320.
​
string
The type of fund account being created. It can be a bank_account, vpa, card.
​
object
The contact’s bank account details.
​
string
Unique identifier of a bank branch. For example, HDFC0000053.
​
string
The contact’s bank name. For example, HDFC.
​
string
Account holder’s name. For example,Gaurav Kumar.
​
string
Beneficiary account number. For example, 765432123456789.
​
object
User-entered notes for internal reference.
​
object
The contact’s virtual payment address (VPA) details.
​
string
The user name from the virtual payment address. For example, gauravkumar.
​
string
The handle from the virtual payment address. For example, exampleupi.
​
string
The virtual payment address. For example, gauravkumar@exampleupi.
​
object
Details of the credit card that is being used to create the fund account.
​
string
The credit card holder’s name. For example,Gaurav Kumar.
​
string
The last four digits of the credit card. For example, 0001.
​
string
The credit card issuing network. Possible values are:
  • Visa
  • Mastercard
  • American Express
  • Diners Club
​
string
Currently, this can only be credit.
​
string
The name of bank that issued the card. For example, HDFC. Refer to the Supported Banks and Payout Modes section section for more details.
​
string
This value is returned if the fund account was created as part of a bulk upload. For example, batch_00000000000001.
​
boolean
Possible values:
  • true: active
  • false: inactive
​
integer
Timestamp, in Unix, when the fund account was created. For example, 1545320320.
​
integer
Minimum value 100. The payout amount, in paise. For example, if you want to transfer ₹10,000, pass 1000000.
The value passed here does not include fees and tax. Fee and tax, if any, is deducted from your account balance.
​
string
The payout currency. Here, it is INR.
​
object
User-entered notes for internal reference. This is a key-value pair. You can enter a maximum of 15 key-value pairs. For example, "note_key": "Beam me up Scotty”.
​
integer
The fees for the payout. This value is returned only when the payout moves to the processing state. For example, 5.
​
integer
The tax that is applicable for the fee being charged. This value is returned only when the payout moves to the processing state. For example, 1.
​
string
The payout status. Possible payout states:
​
string
The purpose of the payout. Classifications available by default:
  • refund
  • cashback
  • payout
  • salary
  • utility bill
  • vendor bill
​
string
The unique transaction number linked to a payout. For example, HDFCN00000000001.
​
string
The mode used to make the payout. Refer to the Payouts section for more details. Available modes:
  • NEFT
  • RTGS
  • IMPS
​
string
A reference you entered for the payout. For example, Acme Transaction ID 12345. You can use this field to store your own transaction ID, if any.
​
string
This is a custom note that also appears on the bank statement.

If no value is passed for this parameter, it defaults to the Merchant Billing Label.
​
string
This value is returned if the contact was created as part of a bulk upload. For example, batch_00000000000001.
​
object
This parameter returns the current status of the payout. For example, IMPS is not enabled on beneficiary account, Retry with different mode.
​
string
A description for the error. For example, IMPS is not enabled on beneficiary account, please retry with different mode.
​
string
Possible values:
  • gateway: Technical error at Razorpay Partner bank.
  • beneficiary_bank: Technical error at beneficiary bank.
  • business: Merchant action required.
  • internal: Technical error at Razorpay’s server.
​
string
The error reason. For example, imps_not_allowed. Payout Status Details and Next Steps.
​
integer
Timestamp, in Unix, at which the payout was created. For example, 1545320320.
​
string
Indicates the fee type charged for the payout. Possible value is free_payout.