POST Initiate PayOut Transaction

Initialize a new PayOut transaction for disbursement to bank accounts. This endpoint allows you to send money to your customers’ bank accounts using bank transfers.

curl --request POST 'https://api-empresas.staging.tumipay.co/production/api/v1/payout' \
--header 'Token-Top: your_auth_token' \
--header 'Authorization: Basic your_auth_key' \
--header 'Content-Type: application/json' \
--data-raw '{
    "payment_method": "BANK_TRANSFER",
    "reference": "3cNPNGbX7meiMppXzVz7g781ysektqq5X",
    "amount": 1000,
    "currency": "COP",
    "country": "CO",
    "ipn_url": "http://example.com/tu-webhook",
    "customer_data": {
        "legal_doc": "1002184990",
        "legal_doc_type": "CC",
        "phone_code": "57",
        "phone_number": "3003540831",
        "email": "[email protected]",
        "full_name": "John Doe",
        "bank": "EXAMPLE_BANK",
        "account_number": "3990000011",
        "account_type": "AHORRO"
    }
}'

{
    "code": "01",
    "status": "SUCCESS",
    "message": "Operacion exitosa",
    "data": {
        "ticket": "19kazMPNue2fOIp",
        "date": "2025-10-16 00:58:54",
        "transaction": {
            "reference": "3cNPNGbX7meiMppXzVz7g781ysektqq5X",
            "amount": 1000,
            "currency": "COP",
            "payment_method": "BANK_TRANSFER"
        }
    }
}

Required Headers

Token-Top

string

required

Your merchant authentication token

Authorization

string

required

Basic authentication key

Content-Type

string

required

Must be “application/json”

Request Body Parameters

payment_method

string

required

Payment method. Supported methods: BANK_TRANSFER, BREB. Refer to Country-Specific Information for the list of available methods per country.For Bre-B integration details, see Bre-B Integration. Availability varies by country.

reference

string

required

Your unique transaction reference

amount

number

required

Transaction amount in the specified currency code.

currency

string

required

Three-letter currency code following the ISO 4217 standard (e.g., COP, PEN).

country

string

required

Two-letter country code. Possible values: “CO”, “PE”, “MX”

ipn_url

string

required

URL for receiving webhook notifications

customer_data

object

required

Show Customer data object

legal_doc

string

required

Customer ID number

legal_doc_type

string

required

Type of document. See Country-Specific Information for available document types.

phone_code

string

required

Country code for the customer’s phone number

phone_number

string

required

Customer’s phone number without country code

string

required

Customer email address

full_name

string

required

Full name of the customer

bank

string

required

Destination bank. See Country-Specific Information for available banks.

account_number

string

required

Account number of the customer

account_type

string

required

Type of destination account. See Country-Specific Information for available account types.

metadata

object

Additional custom data for the transaction

Response

ticket

string

Unique transaction identifier (UUID v4 format)

reference

string

Your provided transaction reference (must be unique)

status

string

Initial transaction status (will be PENDING)

estimated_time

string

Estimated completion time in UTC (typically within 24 hours)

Authorizations

Token-Top

string

header

required

Merchant authentication token

Authorization

string

header

required

Basic authentication with username and password

Body

application/json

payment_method

enum<string>

required

Payment method

Available options:

BANK_TRANSFER

reference

string

required

Your unique transaction reference

amount

number

required

Transaction amount (in cents/minor currency unit)

currency

string

required

Three-letter currency code (ISO 4217)

Example:

"COP"

ipn_url

string<uri>

required

URL for receiving webhook notifications

customer_data

object

required

Show child attributes

customer_data.legal_doc

string

required

Customer ID number.

customer_data.legal_doc_type

enum<string>

required

Type of document.

Available options:

CC,

CE,

PPN,

NIT,

DNI,

RUC

customer_data.phone_code

string

required

Country code for the customer's phone number.

customer_data.phone_number

string

required

Customer's phone number without country code.

customer_data.email

string<email>

required

Customer email address.

customer_data.full_name

string

required

Full name of the customer.

customer_data.bank

string

required

Destination bank.

customer_data.account_number

string

required

Account number of the customer.

customer_data.account_type

enum<string>

Type of destination account.

Available options:

AHORRO,

CORRIENTE,

WALLET

country

string

required

Two-letter country code (ISO 3166-1 alpha-2). Possible values: CO, PE, MX

Example:

"CO"

metadata

object

Additional custom data for the transaction

Response

Successful response

ticket

string

Unique transaction identifier

reference

string

Your provided transaction reference

status

enum<string>

Initial transaction status

Available options:

PENDING

estimated_time

string<date-time>

Estimated completion time (UTC)

Getting Started

Merchant API

PayIn API

PayOut API

Integration

POST Initiate PayOut Transaction

Required Headers

Request Body Parameters

Response

Authorizations

Body

Response

Getting Started

Merchant API

PayIn API

PayOut API

Integration

​Required Headers

​Request Body Parameters

​Response

Authorizations

Body

Response

Required Headers

Request Body Parameters

Response