API Test Keys

Create a Payout to a Mobile Number Using the Composite API

POST

/v1/payouts

Click to copy

Use this endpoint to create a payout to a mobile number using Composite Payout API.

Watch Out!

Ensure you
allowlist IPs
and pass the
idempotency key
to make a successful payout.
You can send payouts to VPA (UPI) linked mobile numbers only.

Consider the points given below before firing this API:

Contact
- A new contact is created if any combination of the following details is unique:
  - fund_account.contact.name
  - fund_account.contact.email
  - fund_account.contact.contact
  - fund_account.contact.type
  - fund_account.contact.reference_id
- If all the above details match the details of an existing contact, the API returns details of the existing contact.
- Use the
  Update Contact API
  if you want to make changes to an existing contact.
Fund Account
- A new fund account is created if any combination of the following details is unique:
  - fund_account.card.name
  - fund_account.card.number
  - fund_account.contact.name
  - fund_account.contact.email
  - fund_account.contact.contact
  - fund_account.contact.type
  - fund_account.contact.reference_id
- If all the above details match the details of an existing fund account, the API returns details of the existing fund account.
- You cannot edit the details of a fund account.

To understand the status of the payouts, refer to

Payout Status Details

Is this page helpful?

Curl

1curl -u <YOUR_KEY>:<YOUR_SECRET> 
2-X POST https://api.razorpay.com/v1/payouts 
3-H "Content-Type: application/json" 
4-H "X-Payout-Idempotency: 53cda91c-8f81-4e77-bbb9-7388f4ac6bf4" 
5-d '{
6  "account_number": "7878780080316316",
7  "amount": 1000,
8  "currency": "INR",
9  "mode": "UPI",
10  "purpose": "cashback",
11  "fund_account": {
12    "account_type": "mobile",
13    "mobile": {
14      "number": "9876543210",
15      "account_holder_name": "Gaurav Kumar"
16    },
17    "contact": {
18      "name": "Gaurav Kumar",
19      "email": "gaurav.kumar@example.com",
20      "contact": "9000090000",
21      "type": "self",
22      "reference_id": "Acme Contact ID 12345",
23      "notes": {
24        "notes_key_1": "Tea, Earl Grey, Hot",
25        "notes_key_2": "Tea, Earl Grey… decaf."
26      }
27    }
28  },
29  "queue_if_low_balance": true,
30  "reference_id": "Acme Transaction ID 12345",
31  "narration": "Acme Corp Fund Transfer",
32  "notes": {
33    "notes_key_1": "Beam me up Scotty",
34    "notes_key_2": "Engage"
35  }
36}'

Success

Failure

1{
2  "id": "pout_F681qslJ3ba70q",
3  "entity": "payout",
4  "fund_account_id": "fa_F681qr6Bqy1Je7",
5  "fund_account": {
6    "id": "fa_F681qr6Bqy1Je7",
7    "entity": "fund_account",
8    "contact_id": "cont_F681qmU11CfPDl",
9    "contact": {
10      "id": "cont_F681qmU11CfPDl",
11      "entity": "contact",
12      "name": "Gaurav Kumar",
13      "contact": "9000090000",
14      "email": "gaurav.kumar@example.com",
15      "type": "employee",
16      "reference_id": "Acme Contact ID 12345",
17      "batch_id": null,
18      "active": true,
19      "notes": {
20        "notes_key_1": "Tea, Earl Grey, Hot",
21        "notes_key_2": "Tea, Earl Grey… decaf."
22      },
23      "created_at": 1592929016
24    },
25    "account_type": "mobile", 
26    "mobile": {
27      "number": "9876543210",
28      "account_holder_name": "Gaurav Kumar"
29    },
30    "vpa": {
31      "username": null,
32      "handle": "exampleupi",
33      "address": null,
34    },
35    "batch_id": null,
36    "active": true,
37    "created_at": 1592929016
38  },
39  "amount": 1000,
40  "currency": "INR",
41  "notes": {
42    "notes_key_1": "Beam me up Scotty",
43    "notes_key_2": "Engage"
44  },
45  "fees": 59,
46  "tax": 9,
47  "status": "processed",
48  "purpose": "refund",
49  "utr": "UPI2928292020",
50  "mode": "UPI",
51  "reference_id": "Acme Transaction ID 12345",
52  "narration": "Acme Corp Fund Transfer",
53  "batch_id": null,
54  "status_details": null,
55  "created_at": 1592929017,
56  "fee_type": "",
57  "error": {
58    "description": null,
59    "source": null,
60    "reason": null
61  }
62}

Request Parameters

account_number

string

The account from which you want to make the payout.
Account details can be found on the RazorpayX Dashboard. For example, 7878780080316316.

Pass your customer identifier if you want money to be deducted from RazorpayX Lite.
Pass your Current Account number if you want money to be deducted from your Current Account.

Watch Out!

This is not your contact's bank account number. Log in to your
RazorpayX Dashboard
and go to My Account & Settings → Banking → Customer Identifier.
This value is different for Test Mode and Live Mode.

amount

integer

The payout amount, in paise. For example, pass 1000000 to transfer an amount of ₹10,000. Minimum value is 100.
The value passed here does not include fees and tax. Fees and tax, if any, are deducted from your account balance.

currency

string

The payout currency. Here, it is INR.

mode

string

The mode to be used to create the payout. Here, it is UPI.
The payout modes are case-sensitive. When creating payouts using APIs, ensure payout modes are entered in upper case.

purpose

string

The purpose of the payout. Classifications available in the system by default:

refund
cashback
payout
salary
utility bill
vendor bill

Additional purposes for payouts can be created via the

Dashboard

and then used in the API. However, it is not possible to create a new purpose for the payout via the API.

fund_account

object

Details of the contact and fund account to which the payout should be made.

Show child parameters (3)

queue_if_low_balance

boolean

Possible values:

true: The payout is queued when your business account does not have sufficient balance to process the payout.
false (default): The payout is never queued. The payout fails if your business account does not have sufficient balance to process the payout.

reference_id

string

Maximum length is 40 characters. A reference you enter for the payout. For example, Acme Transaction ID 12345. You can use this field to store your own transaction ID, if any.

narration

string

Maximum length 30 characters. Allowed characters: a-z, A-Z, 0-9 and space. This is a custom note that also appears on the bank statement. If no value is passed for this parameter, it defaults to the Merchant Billing Label.
Enter the important text in the first 9 characters as banks truncate the rest as per their standards.

notes

array

Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

Response Parameters

id

string

The unique identifier linked to the payout. For example, pout_00000000000001.

entity

string

The entity being created. Here, it will be payout.

fund_account_id

string

The unique identifier linked to the fund account. For example, fa_00000000000001.

fund_account

string

Contact and fund account details to which the payout was made.

Show child parameters (10)

amount

integer

The payout amount, in paise. For example, if the amount transferred is ₹100, it will display 10000.
This value does not include fees and tax. Fees and tax, if any, are deducted from your account balance.

currency

string

The payout currency. Here, it is INR.

notes

object

Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

fees

integer

The fees for the payout. This field is populated only when the payout moves to the processing state. For example, 5.

tax

integer

The tax that is applicable for the fee being charged. This field is populated only when the payout moves to the processing state. For example, 1.

status

string

The payout status. Possible payout states:

queued
pending (if you have
Approval Workflow
enabled)
rejected (if you have
Approval Workflow
enabled)
processing
processed
cancelled
reversed

purpose

string

The purpose of the payout. Classifications available by default:

refund
cashback
payout
salary
utility bill
vendor bill

utr

string

The unique transaction number linked to a payout. For example, HDFCN00000000001.

mode

string

Here, it is UPI.

reference_id

string

A user-generated reference given to the payout. For example, Acme Transaction ID 12345. You can use this field to store your own transaction ID, if any.

narration

string

This is a custom note that also appears on the bank statement.

If no value is passed for this parameter, it defaults to the Merchant Billing Label.

batch_id

string

This parameter is populated if the contact was created as part of a bulk upload. For example, batch_00000000000001.

status_details

object

This parameter returns the current status of the payout. For example, IMPS is not enabled on beneficiary account, Retry with different mode.

Show child parameters (3)

created_at

integer

Timestamp, in Unix, when the payout was created. For example, 1545320320.

fee_type

string

Indicates the fee type charged for the payout. Possible values is free_payout.

Errors

No linked account details found

Error Status: 400

No linked VPA (UPI) found for the entered mobile number.

Solution

Account holder name not matching with bank provided name

Error Status: 400

Account holder name is not matching with the name fetched from the bank.

Solution

Mobile number should be 10-digit long

Error Status: 400

Entered mobile number is not 10-digit long.

Solution

We are facing trouble fetching account details. Please try again shortly

Error Status: 500

Server error. Unable to fetch account details from the server.

Solution

Create a Payout to a Mobile Number Using the Composite API

POST

/v1/payouts

Click to copy

Use this endpoint to create a payout to a mobile number using Composite Payout API.

Watch Out!

Ensure you
allowlist IPs
and pass the
idempotency key
to make a successful payout.
You can send payouts to VPA (UPI) linked mobile numbers only.

Consider the points given below before firing this API:

Contact
- A new contact is created if any combination of the following details is unique:
  - fund_account.contact.name
  - fund_account.contact.email
  - fund_account.contact.contact
  - fund_account.contact.type
  - fund_account.contact.reference_id
- If all the above details match the details of an existing contact, the API returns details of the existing contact.
- Use the
  Update Contact API
  if you want to make changes to an existing contact.
Fund Account
- A new fund account is created if any combination of the following details is unique:
  - fund_account.card.name
  - fund_account.card.number
  - fund_account.contact.name
  - fund_account.contact.email
  - fund_account.contact.contact
  - fund_account.contact.type
  - fund_account.contact.reference_id
- If all the above details match the details of an existing fund account, the API returns details of the existing fund account.
- You cannot edit the details of a fund account.

To understand the status of the payouts, refer to

Payout Status Details

Is this page helpful?

Request Parameters

account_number

string

The account from which you want to make the payout.
Account details can be found on the RazorpayX Dashboard. For example, 7878780080316316.

Pass your customer identifier if you want money to be deducted from RazorpayX Lite.
Pass your Current Account number if you want money to be deducted from your Current Account.

Watch Out!

This is not your contact's bank account number. Log in to your
RazorpayX Dashboard
and go to My Account & Settings → Banking → Customer Identifier.
This value is different for Test Mode and Live Mode.

amount

integer

currency

string

The payout currency. Here, it is INR.

mode

string

The mode to be used to create the payout. Here, it is UPI.
The payout modes are case-sensitive. When creating payouts using APIs, ensure payout modes are entered in upper case.

purpose

string

The purpose of the payout. Classifications available in the system by default:

refund
cashback
payout
salary
utility bill
vendor bill

Additional purposes for payouts can be created via the

Dashboard

and then used in the API. However, it is not possible to create a new purpose for the payout via the API.

fund_account

object

Details of the contact and fund account to which the payout should be made.

Show child parameters (3)

queue_if_low_balance

boolean

Possible values:

true: The payout is queued when your business account does not have sufficient balance to process the payout.
false (default): The payout is never queued. The payout fails if your business account does not have sufficient balance to process the payout.

reference_id

string

Maximum length is 40 characters. A reference you enter for the payout. For example, Acme Transaction ID 12345. You can use this field to store your own transaction ID, if any.

narration

string

notes

array

Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

Response Parameters

id

string

The unique identifier linked to the payout. For example, pout_00000000000001.

entity

string

The entity being created. Here, it will be payout.

fund_account_id

string

The unique identifier linked to the fund account. For example, fa_00000000000001.

fund_account

string

Contact and fund account details to which the payout was made.

Show child parameters (10)

amount

integer

currency

string

The payout currency. Here, it is INR.

notes

object

Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

fees

integer

The fees for the payout. This field is populated only when the payout moves to the processing state. For example, 5.

tax

integer

The tax that is applicable for the fee being charged. This field is populated only when the payout moves to the processing state. For example, 1.

status

string

The payout status. Possible payout states:

queued
pending (if you have
Approval Workflow
enabled)
rejected (if you have
Approval Workflow
enabled)
processing
processed
cancelled
reversed

purpose

string

The purpose of the payout. Classifications available by default:

refund
cashback
payout
salary
utility bill
vendor bill

utr

string

The unique transaction number linked to a payout. For example, HDFCN00000000001.

mode

string

Here, it is UPI.

reference_id

string

A user-generated reference given to the payout. For example, Acme Transaction ID 12345. You can use this field to store your own transaction ID, if any.

narration

string

This is a custom note that also appears on the bank statement.

If no value is passed for this parameter, it defaults to the Merchant Billing Label.

batch_id

string

This parameter is populated if the contact was created as part of a bulk upload. For example, batch_00000000000001.

status_details

object

This parameter returns the current status of the payout. For example, IMPS is not enabled on beneficiary account, Retry with different mode.

Show child parameters (3)

created_at

integer

Timestamp, in Unix, when the payout was created. For example, 1545320320.

fee_type

string

Indicates the fee type charged for the payout. Possible values is free_payout.

Errors

No linked account details found

Error Status: 400

No linked VPA (UPI) found for the entered mobile number.

Solution

Account holder name not matching with bank provided name

Error Status: 400

Account holder name is not matching with the name fetched from the bank.

Solution

Mobile number should be 10-digit long

Error Status: 400

Entered mobile number is not 10-digit long.

Solution

We are facing trouble fetching account details. Please try again shortly

Error Status: 500

Server error. Unable to fetch account details from the server.

Solution

Curl

1curl -u <YOUR_KEY>:<YOUR_SECRET> 
2-X POST https://api.razorpay.com/v1/payouts 
3-H "Content-Type: application/json" 
4-H "X-Payout-Idempotency: 53cda91c-8f81-4e77-bbb9-7388f4ac6bf4" 
5-d '{
6  "account_number": "7878780080316316",
7  "amount": 1000,
8  "currency": "INR",
9  "mode": "UPI",
10  "purpose": "cashback",
11  "fund_account": {
12    "account_type": "mobile",
13    "mobile": {
14      "number": "9876543210",
15      "account_holder_name": "Gaurav Kumar"
16    },
17    "contact": {
18      "name": "Gaurav Kumar",
19      "email": "gaurav.kumar@example.com",
20      "contact": "9000090000",
21      "type": "self",
22      "reference_id": "Acme Contact ID 12345",
23      "notes": {
24        "notes_key_1": "Tea, Earl Grey, Hot",
25        "notes_key_2": "Tea, Earl Grey… decaf."
26      }
27    }
28  },
29  "queue_if_low_balance": true,
30  "reference_id": "Acme Transaction ID 12345",
31  "narration": "Acme Corp Fund Transfer",
32  "notes": {
33    "notes_key_1": "Beam me up Scotty",
34    "notes_key_2": "Engage"
35  }
36}'

Success

Failure

1{
2  "id": "pout_F681qslJ3ba70q",
3  "entity": "payout",
4  "fund_account_id": "fa_F681qr6Bqy1Je7",
5  "fund_account": {
6    "id": "fa_F681qr6Bqy1Je7",
7    "entity": "fund_account",
8    "contact_id": "cont_F681qmU11CfPDl",
9    "contact": {
10      "id": "cont_F681qmU11CfPDl",
11      "entity": "contact",
12      "name": "Gaurav Kumar",
13      "contact": "9000090000",
14      "email": "gaurav.kumar@example.com",
15      "type": "employee",
16      "reference_id": "Acme Contact ID 12345",
17      "batch_id": null,
18      "active": true,
19      "notes": {
20        "notes_key_1": "Tea, Earl Grey, Hot",
21        "notes_key_2": "Tea, Earl Grey… decaf."
22      },
23      "created_at": 1592929016
24    },
25    "account_type": "mobile", 
26    "mobile": {
27      "number": "9876543210",
28      "account_holder_name": "Gaurav Kumar"
29    },
30    "vpa": {
31      "username": null,
32      "handle": "exampleupi",
33      "address": null,
34    },
35    "batch_id": null,
36    "active": true,
37    "created_at": 1592929016
38  },
39  "amount": 1000,
40  "currency": "INR",
41  "notes": {
42    "notes_key_1": "Beam me up Scotty",
43    "notes_key_2": "Engage"
44  },
45  "fees": 59,
46  "tax": 9,
47  "status": "processed",
48  "purpose": "refund",
49  "utr": "UPI2928292020",
50  "mode": "UPI",
51  "reference_id": "Acme Transaction ID 12345",
52  "narration": "Acme Corp Fund Transfer",
53  "batch_id": null,
54  "status_details": null,
55  "created_at": 1592929017,
56  "fee_type": "",
57  "error": {
58    "description": null,
59    "source": null,
60    "reason": null
61  }
62}