**Last updated**: 08 October 2025 | [**Change log**](/products/card-payouts/changelog/)

# Payout

Send funds to your customer's cards.

## Standard payout

### Payout request

Pay your customers by sending a request to our `payouts:basicDisbursement` action link received in your [query the payout root resource](/products/card-payouts/v1/get-started#query-the-payouts-root-resource) request.

`POST`  `https://try.access.worldpay.com/payouts/basicDisbursement`

Payout request body:

Standard Payout
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": "STATEMENT",
        "value": {
            "currency": "GBP",
            "amount": 100
        },
        "payoutInstrument": {
            "type": "card/plain",
            "cardHolderName": "John Appleseed",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            }
        }
    }
}
Token Payout
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": "STATEMENT",
        "value": {
            "currency": "GBP",
            "amount": 100
        },
        "payoutInstrument": {
            "type": "card/tokenized",
            "href": "https://try.access.worldpay.com/tokens/eyJrIjoxLCJkIjoiMjZ5OUp3Q2dEeDVjWEZBcjhjSmRlcmZTcE44ZzRoazFMcmNCSzlqaEVWcz0ifQ"
        }
    }
}
#### Descriptions of your payout request parameters:

| Parameter | Required | Description |
|  --- | --- | --- |
| `instruction` | ✅ | An object that contains all the information related to your payout request. |
| `instruction.payoutInstrument` | ✅ | An object that contains your customer's payout details. |
| `payoutInstrument.type` | ✅ | An object that contains your customer's payout type. Possible values: `card/plain``card/tokenized` |
| `payoutInstrument.href` | ❌ | An object that contains your link to an [Access Token](/products/tokens/@v3/ |
| @v3/index.md). Mandatory for all `"type": "card/tokenized"` requests. |  |  |
| `value.amount` | ✅ | The payout amount. This is a whole number with an exponent, e.g. if exponent is two, 250 is 2.50. You can find the relevant exponent in our [currency table](/products/reference/supported-countries-currencies#iso-currency-codes). |
| `value.currency` | ✅ | The 3 digit currency code. See list of [supported currencies](/products/reference/supported-countries-currencies#iso-currency-codes). |
| `instruction.narrative` | ✅ | The text that appears on your customer's statement. Used to identify the merchant.See [narrative format](/products/reference/formatting#narrative-format) for more details and best practices. |
| `merchant` | ✅ | An object that contains information about the merchant. |
| `merchant.entity` | ✅ | This is mandatory for [authentication](/products/3ds) and [queries](/products/card-payments/v6/query-a-payment). Contact your Implementation Manager for more information. |
| `transactionReference` | ✅ | A unique reference generated by you, used to identify a payout throughout its lifecycle. See [transaction reference format](/products/reference/formatting#transaction-reference-format) for more details and best practices. |


### Payout response

In your response we return:

* The `outcome`, which could be:
  * `requestReceived` - We have received your basic disbursement request and are processing it within 3-5 working days.
  * `refused` - This payout method is refused, try another card.
  * `error` -  A downstream system failed to process your request.
  * [`queryRequired`](#standard-payout-outcome-of-queryrequired-) - Due to a downstream issue, the outcome of your request could not be determined at this time.
* A timestamp of `receivedAt`
* The location of the payout resource


Example responses:

requestReceived
{
    "outcome": "requestReceived",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
refused
{
    "outcome": "refused",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
error
{
    "outcome": "error",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
queryRequired
{
    "outcome": "queryRequired",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
#### Standard payout `outcome` of `queryRequired`

Send a `GET` request to the `payouts:payout` action link, to retrieve the outcome of your payout request. When an update to the outcome is available the `payouts:update` action link appears in the `queryRequired` response.

Example response:

`GET`   `https://try.access.worldpay.com/payouts/{resource}`

{
    "outcome": "requestReceived",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        },
        "payouts:update": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
Send a `GET` request to the `payouts:update` action link to find out the update to the outcome.

If no update is available you will get an error.


```
{
   "errorName": "payoutNotFound"
   "message": "The payout request you are trying to locate does not exist."
}
```

br
## Fast Access

Use Fast Access to pay your customers within 30 minutes or less.

Prerequisite
You must be enabled for Fast Access before using it. Please contact your Implementation Manager for more information.

### Fast Access payout request

Send your payout request to our `payouts:fastAccess` action link received in your [query the payout root resource](/products/card-payouts/v1/get-started#query-the-payouts-root-resource) request.

If your customers card is not Fast Access enabled, a [standard payout](#standard-payout) is automatically performed.

`POST`  `https://try.access.worldpay.com/payouts/fastAccess`

Fast Access payout request body:

Fast Access Payout
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": "STATEMENT",
        "value": {
            "currency": "GBP",
            "amount": 100
        },
        "payoutInstrument": {
            "type": "card/plain",
            "cardHolderName": "John Appleseed",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            }
        }
    }
}
Token Payout
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": "STATEMENT",
        "value": {
            "currency": "GBP",
            "amount": 100
        },
        "payoutInstrument": {
            "type": "card/tokenized",
            "href": "https://try.access.worldpay.com/tokens/eyJrIjoxLCJkIjoiMjZ5OUp3Q2dEeDVjWEZBcjhjSmRlcmZTcE44ZzRoazFMcmNCSzlqaEVWcz0ifQ"
        }
    }
}
#### Descriptions of your Fast Access payout request parameters

| Parameter | Required | Description |
|  --- | --- | --- |
| `instruction` | ✅ | An object that contains all the information related to your payout request. |
| `payoutInstrument` | ✅ | An object that contains your customer's payout details. |
| `payoutInstrument.type` | ✅ | An object that contains your customer's payout type. Possible values: `card/plain``card/tokenized` |
| `payoutInstrument.href` | ❌ | An object that contains your link to an [Access Token](/products/tokens). Mandatory for all `"type": "card/tokenized"` requests. |
| `value.amount` | ✅ | The payout amount. This is a whole number with an exponent e.g. if exponent is two, 250 is 2.50. You can find the relevant exponent in our [currency table](/products/reference/supported-countries-currencies#iso-currency-codes). |
| `value.currency` | ✅ | The 3 digit currency code.See list of [supported currencies](/products/reference/supported-countries-currencies#iso-currency-codes). |
| `instruction.narrative` | ✅ | The text that appears on your customer's statement. Used to identify the merchant.See [narrative format](/products/reference/formatting#narrative-format) for more details and best practices. |
| `merchant` | ✅ | An object that contains information about the merchant. |
| `merchant.entity` | ✅ | This is mandatory for [authentication](/products/3ds) and [queries](/products/card-payments/v6/query-a-payment). Contact your Implementation Manager for more information. |
| `transactionReference` | ✅ | A unique reference generated by you, used to identify a payout throughout its lifecycle. See [transaction reference format](/products/reference/formatting#transaction-reference-format), for more details and best practices. |


Note
The full request schemas are available in the API reference.

### Fast Access payout response

In our response we return:

* The `outcome`, which could be:
  * [`requested`](#fast-access-payout-outcome-of-requested-pending-approved-or-queryrequired-) - We have received your Fast Access disbursement.
  * [`pending`](#fast-access-payout-outcome-of-requested-pending-approved-or-queryrequired-) - We have sent your Fast Access disbursement request to Visa. If there are no updates within 48 hours then this moves to an `error` outcome.
  * [`approved`](#fast-access-payout-outcome-of-requested-pending-approved-or-queryrequired-) - Visa has approved your request and the funds are allocated within 30 minutes if the issuer is Fast Access enabled. If not, standard timescales apply.
  * `disbursed` - The transaction is reconciled with Visa’s daily reporting.
  * `refused` - Your Fast Access disbursement request is refused. Possible refusal reasons:
    * The card issuer declines the disbursement
    * Visa declines your request because the issuing bank is not responding
    * Disbursements are not allowed in the requested country
  * `error` - There is no response from Visa within 48 hours or Visa returns an error confirming the request has failed
  * [`queryRequired`](#fast-access-payout-outcome-of-requested-pending-approved-or-queryrequired-) - Due to a downstream issue, the outcome of your request could not be determined at this time.
* A timestamp `receivedAt`
* The location of the payout resource


requested
{
    "outcome": "requested",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
pending
{
    "outcome": "pending",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
approved
{
    "outcome": "approved",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
disbursed
{
    "outcome": "disbursed",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
refused
{
    "outcome": "refused",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
error
{
    "outcome": "error",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
queryRequired
{
    "outcome": "queryRequired",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
#### Fast Access payout `outcome` of `requested`, `pending`, `approved` or `queryRequired`

Send a `GET` request to the `payouts:payout` action link, to retrieve the outcome of your payout request. When an update to the outcome is available the `payouts:update` action link will appear in this response.

Example:

`GET`  `https://try.access.worldpay.com/payouts/{resource}`

Example responses:

requested
{
    "outcome": "requested",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        },
        "payouts:update": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
pending
{
    "outcome": "pending",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        },
        "payouts:update": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
approved
{
    "outcome": "approved",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
queryRequired
{
    "outcome": "queryRequired",
    "receivedAt": "2020-05-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        },
        "payouts:update": {
            "href": "https://try.access.worldpay.com/payouts/{resource}"
        }
    },
    "curies": [{
        "name": "payouts",
        "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
        "templated": true
    }]
}
Send a `GET` request to the `payouts:update` action link to find out the update to the outcome.

If no update is available you will get an error.


```
{
   "errorName": "payoutNotFound"
   "message": "The payout request you are trying to locate does not exist."
}
```

## Retrieve a payout using the original resource

Send a `GET` to the resource of the `payouts:payout` action link, returned in the response of the initial `basicDisbursement` or `fastAccess` request.

`GET`  `https://try.access.worldpay.com/payouts/{resource}`

Replace `{resource}` in the link above with the location given in your initial response.

Note
You can **only** get the location from the initial response.

## Query a payout without the original resource

If the location of an existing payout is lost, the result can still be recovered using the `payouts:query` endpoint.

To do this you must have the `entity` and `transactionReference` of the original request.

Send a `GET` to the resource of `payouts:query` action link.

`GET`  `https://try.access.worldpay.com/payouts/query?transactionReference={transactionReference}&entity={entity}`

Replace `{transactionReference}` and `{entity}` in the link above with the `transactionReference` and `entity` of the original payout.