{
"id": "pay_4Xr9dLc0mNv7Kq2B",
"status": "pending",
"amount": "5000.00",
"currency": "NGN",
"source_currency": "NGN",
"fee": "100.00",
"total_debited": "5100.00",
"destination": "pd_7Kq2mNv4XbR9dLc0",
"reference": "payout-2026-08-07-001",
"narration": "Invoice 1042",
"session_id": null,
"failure_reason": null,
"created_at": "2026-08-07T14:30:00.000Z",
"completed_at": null
}The payout object
A payout moves money out of a balance to a bank account, mobile money wallet, or crypto wallet. Payouts settle asynchronously and are reported through the payout.paid and payout.failed webhook events.
The one shape a payout has on this API, across create, retrieve and list. amount is denominated in currency; fee and total_debited are denominated in source_currency. The two differ on every cross-currency payout, so the debit side must say which one it is in. For a same-currency payout source_currency equals currency.
The payout ID. Use this to look it up with Get Payout.
"pay_4Xr9dLc0mNv7Kq2B"
pending: accepted and queued. processing: submitted to the payment rail. completed: delivered to the destination. failed: could not be delivered, see failure_reason.
pending, processing, completed, failed "pending"
The net amount delivered to the destination, in currency.
"5000.00"
The destination's currency. amount is denominated in this currency.
"NGN"
The currency of the balance being debited. fee and total_debited are denominated in this currency. Equal to currency for a same-currency payout; different for a cross-currency payout funded with a quote_id.
"NGN"
The fee charged for this payout, in source_currency.
"100.00"
The gross amount debited from your balance, in source_currency. Equals amount + fee only for a same-currency payout, because on a cross-currency payout amount is in a different currency, so the two do not add up.
"5100.00"
The payout destination ID this payout was sent to.
"pd_7Kq2mNv4XbR9dLc0"
The reference you set when you created the payout. null if you set none.
"payout-2026-08-07-001"
The narration we sent with this payout: the narration you sent, or our default text when you sent none (Bachs Payout on a payout to a Nigerian bank account). null when the payout carries none. The recipient's bank may show it shortened, or show its own label instead.
"Invoice 1042"
The NIP session ID of a payout to a Nigerian bank account: the ID the receiving bank uses to trace the transfer. Give it to the recipient or their bank when they ask where the money is. null until status is completed, and always null on other payout types. Payouts completed before 22 October 2026 have none.
null
Populated only when status is failed.
null
ISO 8601 creation timestamp.
"2026-08-07T14:30:00.000Z"
ISO 8601 timestamp of when the payout reached a terminal state. null while status is pending or processing.
null