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Payout-only onboarding registers a beneficiary who only receives fiat payouts. It replaces the full KYC flow for payout corridors outside India’s standard flow, and is how beneficiaries in SEPA countries, the UK, UAE, Brazil, China, Colombia, Hong Kong, Nigeria, the Philippines, Singapore, Mexico and the US are onboarded.
Payout-only onboarding must be enabled for your organization and for each country. Contact support to enable a corridor.

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Flow

1

Create the customer

POST /customer/payout/create with client_reference_id and alpha_3_country_code. Save the returned id as customer_id.
2

Create the KYC profile

POST /kyc/payout/add-kyc-data with customer_id and, optionally, tax_number.
3

Submit sender and beneficiary details

POST /kyc/payout/add-sender-kyc-data with the same client_reference_id, the address fields the country requires, and any beneficiary_identifiers.
4

Add the bank account

POST /bank/payout/create with customer_id, the payout method in bank_account_type, and its identifiers. Save the returned id as bank_id.
5

Create the payout

Continue with the standard payout flow: quotation with customer_id and bank_id, then initiate.
To change documents, address or tax number later, use PATCH /kyc/payout/update-additional-details.

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Example: Brazil (PIX)

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Requirements by country and method

bank_account_type selects the method; if omitted, the country’s default method is used. Every listed key is required. Formats in the last column are validated before the account is created. SEPA countries (alpha_3_country_code): AND, ALB, AUT, BEL, BGR, CHE, CYP, CZE, DEU, DNK, EST, ESP, FIN, FRA, GRC, HRV, HUN, IRL, ISL, ITA, LIE, LTU, LUX, LVA, MCO, MDA, MNE, MKD, MLT, NLD, POL, PRT, ROU, SRB, SWE, SVN, SVK, SMR, VAT. They receive EUR into an IBAN, including countries outside the euro area. Notes:
  • Colombia: send beneficiary_phone_number as the national mobile number; Zapyd adds the +57 dial code.
  • The bank account response always returns bank_account_type as ACCOUNT_DETAILS; the method you sent selects the payout rail.
  • transfer_purpose (partner-routed countries, every country except India) defaults to TRANSFER_TO_OWN_ACCOUNT, and is_self_transfer defaults to true. Allowed purposes: TRANSFER_TO_OWN_ACCOUNT, FAMILY_MAINTENANCE, EDUCATION, MEDICAL_TREATMENT, HOTEL, TRAVEL, REPAYMENT_OF_LOANS, TAX_PAYMENT, PURCHASE_PROPERTY, PROPERTY_RENTAL, INSURANCE_PREMIUM, PRODUCT_INDEMNITY_INSURANCE, INSURANCE_CLAIMS, MUTUAL_FUND_INVESTMENT, INVESTMENT_SHARES, DONATIONS, SALARY, INFO_SERVICE, ADVERTISING, ROYALTY_FEES, BROKER_FEES, ADVISOR_FEES, REPRESENTATIVE_EXPENSES, CONSTRUCTION, TRANSPORTATION, EXPORTED_GOODS, DELIVERY_FEES, GENERAL_GOODS_OFFLINE.