Create Payout

POST/payouts/v3/payments/banks

Creates a single payout to a beneficiary's bank account or UPI VPA. Supports IMPS, NEFT, RTGS, and UPI payment modes.

For IMPS/NEFT/RTGS, provide accountNumber and branchCode. For UPI, provide vpa instead.

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Requires Bearer token. Get token →

Request Body

Name	Type	Description
`clientReferenceId`	`string`required	Unique identifier to track the payout. Must not contain spaces. Acts as the idempotency key — duplicate requests with the same `clientReferenceId` will not create a new payout.
`payeeName`	`string`required	Name of the beneficiary's bank account holder. Alphabets and spaces only.
`email`	`string`	Email address of the beneficiary.
`phone`	`string`	Mobile number of the beneficiary (10 numeric digits).
`accountNumber`	`string`	Beneficiary's bank account number. Mandatory for IMPS, NEFT, and RTGS.
`branchCode`	`string`	Beneficiary's bank IFSC code. Mandatory for IMPS, NEFT, and RTGS. First 4 characters alphabets, 5th character must be 0, remaining alphanumeric.
`amount`	`object`required	Payout monetary amount with currency. For payout creation, minimum ₹1 (100 paisa), maximum ₹10 lakh (100000000 paisa).
`value`	`integer`required	Amount in the smallest currency unit (paisa for INR). Minimum ₹1 (100), maximum ₹10 lakh (100000000).
`currency`	`string`required	Three-letter ISO 4217 currency code.
`mode`	`string`required	Mode of payment for the payout. Allowed values: `UPIIMPSNEFTRTGS`
`remarks`	`string`required	Description or reference text for the transaction. Supported characters A-Z, a-z, 0-9, hyphen, space.

Status Codes

`201`	Payout created and scheduled successfully.
`400`	The request was malformed or missing required fields.
`401`	Authentication failed — missing, expired, or invalid Bearer token.
`403`	The authenticated client does not have permission for this operation.
`409`	The request conflicts with the current state of the resource.
`500`	An unexpected error occurred on the server.

Request

curl --request POST \
  --url https://pluraluat.v2.pinepg.in/payouts/v3/payments/banks \
  --header 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  --header 'Content-Type: application/json' \
  --data '{
  "clientReferenceId": "430582f3-6e83-4cec-a3ab-72847fb9680f",
  "payeeName": "Kevin Bob",
  "email": "kevin.bob@example.com",
  "phone": "9876543210",
  "accountNumber": "500012121313141415",
  "branchCode": "SBIN0011123",
  "amount": {
    "value": 4900,
    "currency": "INR"
  },
  "mode": "IMPS",
  "remarks": "Refund payment"
}'

Run this request

Bearer token

Request body (JSON)

Status:

201 Created

{
  "clientReferenceId": "0171c4c0-f50a-4151-b39b-63c87a3c0cd6",
  "requestReferenceId": "req-ba50808e45ce4d19a86988e7d90df3ad",
  "paymentReferenceId": "txn-b03ee63e412a4ecf88b6bdb08a6632c3",
  "payeeName": "Kevin Bob",
  "accountNumber": "*******1415",
  "branchCode": "SBIN0011123",
  "amount": {
    "currency": "INR",
    "value": 4900
  },
  "mode": "IMPS",
  "status": "SCHEDULED",
  "message": "Payment instruction scheduled for execution",
  "scheduledAt": "2025-07-16T10:26:06Z",
  "remarks": "REFUND",
  "_links": [
    {
      "rel": "status",
      "href": "/payouts/v3/payments?paymentReferenceId=txn-b03ee63e412a4ecf88b6bdb08a6632c3"
    }
  ]
}