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POST
/
v2.01
/
{ClientId}
/
payouts
/
bankwire
{
    "Tag": "Created using Mangopay API Postman Collection",
    "AuthorId": "204069570",
    "DebitedFunds": {
        "Currency": "EUR",
        "Amount": 5792
    },
    "Fees": {
        "Currency": "EUR",
        "Amount": 579
    },
    "DebitedWalletId": "204069727",
    "BankAccountId": "204070675",
    "BankWireRef": "Example123"
}

{
    "Id": "po_m_01HQMZSGSQPPXC51TZHDAYFAJF",
    "Tag": "Created using Mangopay API Postman Collection",
    "CreationDate": 1709027672,
    "AuthorId": "204069570",
    "CreditedUserId": null,
    "DebitedFunds": {
        "Currency": "EUR",
        "Amount": 5792
    },
    "CreditedFunds": {
        "Currency": "EUR",
        "Amount": 5213
    },
    "Fees": {
        "Currency": "EUR",
        "Amount": 579
    },
    "Status": "CREATED",
    "ResultCode": null,
    "ResultMessage": null,
    "ExecutionDate": null,
    "Type": "PAYOUT",
    "Nature": "REGULAR",
    "CreditedWalletId": null,
    "DebitedWalletId": "204069727",
    "PaymentType": "BANK_WIRE",
    "BankAccountId": "rec_01K09BK0T804BEGVP6GPKQXR3N",
    "BankWireRef": "Example123",
    "ModeRequested": null,
    "ModeApplied": "PENDING_RESPONSE",
    "FallbackReason": null,
    "EndToEndId": "2c2184396eef4e5da90ab48a2feeb51d",
    "PaymentRef": null
}
Note – Verification of Payee may impact payoutsIf your platform offers User-Owned Accounts (Virtual Account or Banking Alias) to your end users, Verification of Payee (VOP) may impact their payouts. Read more →There is no impact for platforms not offering User-Owned Accounts.

​
Body parameters

​
Tag
string
Max. length: 255 charactersCustom data that you can add to this object.
​
AuthorId
string
required
The unique identifier of the user at the source of the transaction.
Best practice: When the payout author is different from the bank account owner, the Payout AuthorId value must be different from the Bank Account UserId value as well. Otherwise, Mangopay’s Compliance team will reject the payout.
​
DebitedFunds
object
required
Information about the debited funds.
​
Fees
object
required
Information about the fees taken by the platform for this transaction (and hence transferred to the Fees Wallet).
​
DebitedWalletId
string
required
The unique identifier of the debited wallet.
​
BankAccountId
string
required
The unique identifier of the bank account.
​
BankWireRef
string
Max. length: 255 characters (< 12 recommended)Custom description to appear on the user’s bank statement along with the platform name. The recommended length is 12 characters – strings longer than this may be truncated depending on the bank.For the full structure of the string, see the Customizing bank statement references article.
​
PayoutModeRequested
string
Possible values: STANDARD, INSTANT_PAYMENT, INSTANT_PAYMENT_ONLY, RTGS_PAYMENTDefault value: STANDARDThe mode defining how the payout request is sent:
  • STANDARD – Sent via the relevant route for the currency and destination account (which determine the typical funds processing times). If a request is received after the applicable cutoff, it is processed the next working day.
  • INSTANT_PAYMENT – Sent via the SEPA Instant Credit Transfer scheme (funds processed within 10 seconds) with a fallback to STANDARD mode if any of the prerequisites are not met or if another issue occurs.
  • INSTANT_PAYMENT_ONLY – Sent via the SEPA Instant Credit Transfer scheme (funds processed within 10 seconds) without a fallback. If an issue occurs, the wallet automatically refunded.
  • RTGS_PAYMENT – Sent via the Eurozone’s real-time gross settlement (RGTS) scheme T2 (funds processed same working day) without a fallback. If the request is received after the applicable cutoff (16:15 CET), it is processed the next working day (from 07:00 CET).
​
PaymentRef
object
Information about the payment reference provided for the payout.This object must be used to provide the reference of a bank wire pay-in or a pay-in to virtual IBAN, if the payout is being used to refund it.

​
Responses

​
Id
string
Max length: 128 characters (see data formats for details)The unique identifier of the object.
​
Tag
string
Max. length: 255 charactersCustom data that you can add to this object.
​
CreationDate
Unix timestamp
The date and time at which the object was created.
​
AuthorId
string
The unique identifier of the user at the source of the transaction.
Best practice: When the payout author is different from the bank account owner, the Payout AuthorId value must be different from the Bank Account UserId value as well. Otherwise, Mangopay’s Compliance team will reject the payout.
​
CreditedUserId
string
The unique identifier of the user whose wallet is credited.
In the specific case of the Payout object, this value is always null since there is no credited wallet.
​
DebitedFunds
object
Information about the debited funds.
​
CreditedFunds
object
Information about the funds being credited to the target of the transaction (CreditedFunds = DebitedFunds - Fees).
​
Fees
object
Information about the fees taken by the platform for this transaction (and hence transferred to the Fees Wallet).
​
Status
string
Returned values: CREATED, SUCCEEDED, FAILEDThe status of the transaction.
​
ResultCode
string
The code indicating the result of the operation. This information is mostly used to handle errors or for filtering purposes.
​
ResultMessage
string
The explanation of the result code.
​
ExecutionDate
Unix timestamp
The date and time at which the status changed to SUCCEEDED, indicating that the transaction occurred. The statuses CREATED and FAILED return an ExecutionDate of null.
​
Type
string
Returned values: PAYIN, TRANSFER, CONVERSION, PAYOUTThe type of the transaction.
​
Nature
string
Returned values: REGULAR, REPUDIATION, REFUND, SETTLEMENTThe nature of the transaction, providing more information about the context in which the transaction occurred:
  • REGULAR – Relative to most of the transactions (pay-ins, payouts, and transfers) in a usual workflow.
  • REPUDIATION – Automatic withdrawal of funds from the platform’s repudiation wallet as part of the dispute process (when the user has requested a chargeback).
  • REFUND – Reimbursement of a transaction to the user (pay-in refund), to a wallet (transfer refund), or of a payout (payout refund, only initiated by Mangopay).
  • SETTLEMENT – Transfer made to the repudiation wallet by the platform to settle a lost dispute.
​
CreditedWalletId
string
The unique identifier of the credited wallet.
In the specific case of the Payout object, this value is always null since there is no credited wallet.
​
DebitedWalletId
string
The unique identifier of the debited wallet.
​
PaymentType
string
Returned values: CARD, DIRECT_DEBIT, PREAUTHORIZED, BANK_WIREThe type of pay-in.
​
BankAccountId
string
The unique identifier of the bank account.
​
BankWireRef
string
Max. length: 255 characters (< 12 recommended)Custom description to appear on the user’s bank statement along with the platform name. The recommended length is 12 characters – strings longer than this may be truncated depending on the bank.For the full structure of the string, see the Customizing bank statement references article.
​
ModeRequested
string
Returned values: STANDARD, INSTANT_PAYMENT, INSTANT_PAYMENT_ONLY, RTGS_PAYMENTThe value set for the PayoutModeRequested parameter when making the request.
​
ModeApplied
string
Returned values: STANDARD, INSTANT_PAYMENT, RTGS_PAYMENT, PENDING_RESPONSEThe mode defining how the payout request is sent:
  • STANDARD – Sent via the relevant route for the currency and destination account (which determine the typical funds processing times). If a request is received after the applicable cutoff, it is processed the next working day.
  • INSTANT_PAYMENT – Sent via the SEPA Instant Credit Transfer scheme (funds processed within 10 seconds). If ModeRequested was INSTANT_PAYMENT_ONLY and a fallback occurs, the ModeApplied is STANDARD.
  • RTGS_PAYMENT – Sent via the Eurozone’s real-time gross settlement (RGTS) scheme T2 (funds processed same working day) without a fallback. If the request is received after the applicable cutoff (16:15 CET), it is processed the next working day (from 07:00 CET).
  • PENDING_RESPONSE – Temporary state to accommodate the possible latency between the creation of the request and the mode being applied in the case of instant payment and RTGS modes.
​
FallbackReason
object
Information regarding the reason for the refusal of the instant payout request.
​
EndToEndId
string
The unique identifier of a bank wire for tracking purposes only.
​
PaymentRef
object
Information about the payment reference provided for the payout. This object is returned null if not provided.This object must be used to provide the reference of a bank wire pay-in or a pay-in to virtual IBAN, if the payout is being used to refund it.
{
    "Id": "44312c27-c681-4240-8df9-a2507bcf30d6",
    "Message": "Payout not allowed for RecipientScope PAYIN",
    "Type": "invalid_action",
    "Date": 1747666655.0,
    "errors": null
}

{
    "Message": "One or several required parameters are missing or incorrect. An incorrect resource ID also raises this kind of error.",
    "Type": "param_error",
    "Id": "e1606a91-e563-45f3-a337-acdd933ab80b#1673533663",
    "Date": 1673533664.0,
    "errors": {
        "PayoutModeRequested": "InstantPayment is disabled"
    }
}  

{
    "Message": "One or several required parameters are missing or incorrect. An incorrect resource ID also raises this kind of error.",
    "Type": "param_error",
    "Id": "b5a1b347-9b21-4077-bd41-d41ea4b07be4#1676883139",
    "Date": 1676883140.0,
    "errors": {
        "PayoutModeRequested": "InstantPayment was explicitly requested but this feature is not activated on your configuration"
    }
}  

{
    "Message": "One or several required parameters are missing or incorrect. An incorrect resource ID also raises this kind of error.",
    "Type": "param_error",
    "Id": "c2a051f4-b4d2-4097-9a03-b4b3a67bb9e1#1676883693",
    "Date": 1676883694.0,
    "errors": {
        "PayoutModeRequested": "The request for instant payment cannot be successful due to ineligibility "
    }
}  

{
    "Id": "po_m_01HQMZSGSQPPXC51TZHDAYFAJF",
    "Tag": "Created using Mangopay API Postman Collection",
    "CreationDate": 1709027672,
    "AuthorId": "204069570",
    "CreditedUserId": null,
    "DebitedFunds": {
        "Currency": "EUR",
        "Amount": 5792
    },
    "CreditedFunds": {
        "Currency": "EUR",
        "Amount": 5213
    },
    "Fees": {
        "Currency": "EUR",
        "Amount": 579
    },
    "Status": "CREATED",
    "ResultCode": null,
    "ResultMessage": null,
    "ExecutionDate": null,
    "Type": "PAYOUT",
    "Nature": "REGULAR",
    "CreditedWalletId": null,
    "DebitedWalletId": "204069727",
    "PaymentType": "BANK_WIRE",
    "BankAccountId": "rec_01K09BK0T804BEGVP6GPKQXR3N",
    "BankWireRef": "Example123",
    "ModeRequested": null,
    "ModeApplied": "PENDING_RESPONSE",
    "FallbackReason": null,
    "EndToEndId": "2c2184396eef4e5da90ab48a2feeb51d",
    "PaymentRef": null
}  

{
    "Tag": "Created using Mangopay API Postman Collection",
    "AuthorId": "204069570",
    "DebitedFunds": {
        "Currency": "EUR",
        "Amount": 5792
    },
    "Fees": {
        "Currency": "EUR",
        "Amount": 579
    },
    "DebitedWalletId": "204069727",
    "BankAccountId": "204070675",
    "BankWireRef": "Example123"
}