manual.
You can configure the schedule in the dashboard or through the API. The schedule decides when Bachs attempts a payout; it does not guarantee when a bank or wallet receives it. Once created, a scheduled payout follows the same completion process as a payout you initiate yourself.
Which funds are eligible?
Schedules pay out settled customer collections, rather than sweeping every credit to your balance.
If a scheduled payout fails, its original collections become eligible again when their claim is released. The returned balance credit is not a new customer collection.
Each run takes whole eligible collections, oldest first, up to the amount your available balance covers. It stops at the first collection it cannot cover. A
minimum_amount is a floor in the balance currency: if the eligible total is below it, the run pays nothing and waits for a later run. It is not the amount each payout will send.
Choose an interval
The API uses the interval names below. The dashboard offers Instant, Daily, Weekly and Monthly, with a separate control to disable an existing schedule.anchor_hour_utcaccepts0to23and defaults to10for clock-based intervals.weekly_payout_daysaccepts full weekday names, such as["monday", "thursday"]. Its default is["monday"].monthly_payout_daysaccepts days1to31. Its default is[1].- Send weekly days only with
weekly, and monthly days only withmonthly. Other pairings are rejected.
anchor_hour_utc is in UTC. The dashboard time picker displays a named local timezone; check that label when choosing a time.
A day that does not exist in a shorter month runs on that month’s last day. For example, [31] runs on April 30. Dates that collapse onto the same day produce one scheduled run.
For instant, next_run_at is null because it reacts to settlement instead of a clock schedule. Collections that settle close together can be grouped into one payout. A minimum can hold small eligible totals until there is enough to send.
Set a default destination
The schedule uses the approved, active default destination for the payout currency. The dashboard setup lets you choose it. API integrations setis_default with Update Destination.
If there is no usable default destination, the schedule cannot pay out that currency. Before deleting or replacing a default destination, prepare and approve a replacement.
By default, payout_currency matches the balance currency. For a supported conversion, such as USD to NGN, set payout_currency explicitly. Bachs gets the conversion quote when the run happens, so the rate is not locked when you save the schedule. NGN to USD is not a supported schedule conversion.
Fees follow the same rules as other payouts. Keep enough available balance to cover the debit and fee; see Overview.
Set up automatic payouts
- Dashboard
- API
1. Open the setup
Open Balances and find the balance currency whose settled collections you want to pay out. Select its Automatic withdrawals control; Set up withdrawals appears as the setup action.2. Choose the destination
Choose the approved, active destination you want the schedule to use. If you need another destination, select Add a bank account to open destination settings, then return to the setup when it is usable.The selected destination becomes the default used for the payout currency. Check it carefully before continuing.3. Choose the schedule
Select Instant, Daily, Weekly or Monthly. For a clock-based schedule, choose the day where applicable and the time in the timezone shown by the picker. You can also set a minimum to hold eligible collections until the total is worth sending.The dashboard currently lets you choose one weekly or monthly day, with monthly dates from 1 to 28. Use the API for multiple weekly or monthly days, or month-end dates from 29 to 31.4. Review and enable
Review the destination, schedule and any minimum on Check and turn on, then click Turn on auto-payout.To change an existing setup, open the balance card’s Edit withdrawals action. The summary offers Edit automatic withdrawal settings; save your edits with Save changes. To stop automatic payouts, select Disable.Created payouts appear under Balances → Withdrawals. Check their records for completion; the saved schedule does not establish that a payout was sent or received.Connected accounts
Use the same settings endpoints withX-Account-Id for an account your platform manages. The account needs its own eligible settled collections, an active payouts capability and an approved default destination.
Transfer-funded balances are not eligible for automatic schedules. Your integration must initiate those connected-account payouts separately; see Connected account payouts.
Track runs and payouts
On the dashboard, review the saved schedule on its balance card and track created payouts in Balances → Withdrawals. API integrations read these fields in the schedule response:
Scheduled payouts appear in List Payouts, can be retrieved with Get Payout, and emit
payout.paid and payout.failed. Their generated reference begins with auto_.
If the schedule cannot create a payout for three consecutive attempts, it returns to manual and records disabled_reason. Investigate the cause before enabling it again. Setting an automatic interval clears the failure count and resumes scheduling.