> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://ixopay.ferndocs.com/developer-hub/documentation/guides/payments/payouts/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://ixopay.ferndocs.com/_mcp/server.

# Payouts

Payout transactions allow merchants to transfer funds from their own account to a customer's account. This is useful in situations where merchants need to make payouts to customers, such as refunds or commission payments.

> **Availability**
>
> Please note that payout transactions are only available for certain adapters and must be explicitly enabled by your integration engineer. Make sure to check the [adapters page](https://adapters.ixopay.com) for details on the supported payout functionality for each payment method.

Payout transactions are commonly used in the following scenarios:

* *Refunds* : Merchants can use payout transactions to refund customers who have paid with a payment method that does not support refunds. In this case, the merchant would initiate a payout transaction to transfer the refund amount to the customer's account.
* *Commission payments* : Merchants can use payout transactions to pay commissions to their affiliates or partners.
* *Disbursements* : Payout transactions can be used to disburse funds to customers, such as insurance claims or payouts for sharing economy platforms.

## How payout transactions work

The [payout transaction](https://documentation.ixopay.com/api/transaction/payout) process is similar to that of a standard transaction, with some important differences. Instead of charging a customer's card, a payout transaction transfers funds from the merchant's account to the customer's account.

To initiate a payout transaction, the merchant sends a request to the IXOPAY platform with the transaction details, including the amount to be transferred and the customer's account information.

Depending on the adapter, payout transactions can be created using a [Hosted payment page](https://documentation.ixopay.com/docs/guides/getting-started/accept-payments/hosted-payment-pages), or a `transactionToken` from [payment.js](https://documentation.ixopay.com/docs/guides/getting-started/accept-payments/payment.js), or by referencing [saved payment information](https://documentation.ixopay.com/docs/guides/payments/saving) with `referenceUuid`.

* curl
* Python
* PHP
* Java

```sh
curl --request POST -sL \
  --url "https://gateway.ixopay.com/api/v3/transaction/${API_KEY}/payout" \
  --header 'Content-Type: application/json' \
  --header 'Accept: application/json' \
  --header "Authorization: Basic $(echo -n "$USERNAME:$PASSWORD" | base64)" \
  --data-raw '{
    "merchantTransactionId": "your-unique-identifier",
    "transactionToken": "$CC_TOKEN",
    "description": "Purchase description shown on credit card statement.",
    "amount": "9.99",
    "currency": "EUR",
    "successUrl": "https://shop.example.org/checkout/success",
    "cancelUrl": "https://shop.example.org/checkout/cancelled",
    "errorUrl": "https://shop.example.org/checkout/error",
    "callbackUrl": "https://api.example.org/callback"
  }'
```

```python
import requests
import json
import base64
import os

url = "https://gateway.ixopay.com/api/v3/transaction/{apiKey}/payout".format(
    apiKey=os.environ["API_KEY"]
)
auth = base64.b64encode("%s:%s" % (os.environ["USERNAME"], os.environ["PASSWORD"]))
cc_token = os.environ["CC_TOKEN"]

payload = json.dumps(
    {
        "merchantTransactionId": "your-unique-identifier",
        "transactionToken": cc_token,
        "description": "Purchase description shown on credit card statement.",
        "amount": "9.99",
        "currency": "EUR",
        "successUrl": "https://shop.example.org/checkout/success",
        "cancelUrl": "https://shop.example.org/checkout/cancelled",
        "errorUrl": "https://shop.example.org/checkout/error",
        "callbackUrl": "https://api.example.org/callback"
    }
)
headers = {
    "Content-Type": "application/json",
    "Accept": "application/json",
    "Authorization": "Basic {auth}".format(auth=auth),
}

response = requests.request("POST", url, headers=headers, data=payload)
```

```php
<?php

$curl = curl_init();

$auth = base64_encode("$USERNAME:$PASSWORD");
$transactionToken = $_REQUEST['cctoken'];

curl_setopt_array($curl, array(
  CURLOPT_URL => "https://gateway.ixopay.com/api/v3/transaction/$API_KEY/payout",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS => <<<EOD
  {
    "merchantTransactionId": "your-unique-identifier",
    "transactionToken": {$transactionToken},
    "description": "Purchase description shown on credit card statement.",
    "amount": "9.99",
    "currency": "EUR",
    "successUrl": "https://shop.example.org/checkout/success",
    "cancelUrl": "https://shop.example.org/checkout/cancelled",
    "errorUrl": "https://shop.example.org/checkout/error",
    "callbackUrl": "https://api.example.org/callback"
  }
  EOD,
  CURLOPT_HTTPHEADER => array(
    'Content-Type: application/json',
    'Accept: application/json',
    "Authorization: Basic $auth"
  ),
));

$response = curl_exec($curl);

curl_close($curl);
```

```java
String transactionToken = req.getParameter("cctoken");

OkHttpClient client = new OkHttpClient().newBuilder().build();
RequestBody body = RequestBody.create(
  MediaType.parse("application/json"),
  "{" +
    "\"merchantTransactionId\": \"your-unique-identifier\"," +
    "\"transactionToken\": \"" + transactionToken + "\"," +
    "\"description\": \"Payout description shown in credit card statement.\"," +
    "\"amount\": \"9.99\"," +
    "\"currency\": \"EUR\"," +
    "\"successUrl\": \"https://shop.example.org/checkout/success\"," +
    "\"cancelUrl\": \"https://shop.example.org/checkout/cancelled\"," +
    "\"errorUrl\": \"https://shop.example.org/checkout/error\"," +
    "\"callbackUrl\": \"https://api.example.org/callback\""
  "}"
);
String auth = Base64.getEncoder().encodeToString(
  "%s:%s".format(System.getenv("USERNAME"), System.getenv("PASSWORD")));
Request request = new Request.Builder()
  .url("https://gateway.ixopay.com/api/v3/transaction/%s/payout"
    .format(System.getenv("API_KEY")))
  .method("POST", body)
  .addHeader("Content-Type", "application/json")
  .addHeader("Accept", "application/json")
  .addHeader("Authorization", "Basic %s".format(auth))
  .build();
Response response = client.newCall(request).execute();
```