# Create Payout

**Method:** `POST`

**Path:** `/payouts/v3/payments/banks`

**Category:** Payouts

**Authentication:** Required

## Description

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.


## Request Body

Content-Type: `application/json`

- `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` (`UPI | IMPS | NEFT | RTGS`) **required** — Mode of payment for the payout.
- `remarks` (`string`) **required** — Description or reference text for the transaction. Supported characters A-Z, a-z, 0-9, hyphen, space.

### Example Request

```json
{
  "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"
}
```

## Responses

- `201` — Payout created and scheduled successfully.
- `400` — 
- `401` — 
- `403` — 
- `409` — 
- `500` — 

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Reference: https://localhost:3000/api/payouts/create-payout