Card Payout Flow
How card payouts (credit push) work end-to-end.
A card payout (credit push) sends funds directly to a recipient's card. Common use cases include disbursements, marketplace seller payouts, and withdrawal flows.
#1. Initiate the Payout
Send POST /api/v1/payouts/card with the recipient's card details, amount, and currency. The response returns immediately with a transactionId and status PROCESSING.
Payout processing is asynchronous — do not retry on
PROCESSING. A webhook will notify you of the final status.
#2. Processing
Exirom routes the payout through the card network to the recipient's issuing bank. Settlement timing depends on the card network and the issuing bank, typically 1–3 business days.
#3. Final Status via Webhook
When processing completes, Exirom sends a webhook to your callbackUrl:
- SUCCEED — funds were successfully credited to the recipient's card
- FAILED — the payout was rejected (insufficient balance, invalid card, etc.)
Use GET /api/v1/payouts/card/status/{id} as a fallback if the webhook is not received. Use GET /api/v1/payouts/card/info/{id} for full payout details.
#Key Differences from Payments
| Payment | Payout | |
|---|---|---|
| Direction | Customer → Merchant | Merchant → Recipient |
| 3DS | May be required | Not applicable |
| Settlement | Near-real-time | 1–3 business days |
| Endpoint | POST /payouts/card | POST /payouts/card |
#Related
- API Reference: POST /api/v1/payouts/card — Full endpoint spec, Try It
- API Reference: GET /api/v1/payouts/card/status/{id} — Check payout status
- Transaction Status Guide — All status values
- Webhook Best Practices — Reliable webhook handling