Create Payout

Send payouts to validated beneficiaries using the PayGo API.

Merchant API

Use the endpoint below to initiate a payout from your PayGo wallet. Authenticate using your PayGo X-API-Key and X-Secret-Key. Bank payouts through this integration require whole INR amounts of at least ₹1,000. Supported bank rails are IMPS and NEFT; bank maps to IMPS. UPI-address payouts are not supported by this bank payout integration. The saved validated beneficiary supplies the actual bank details; ensure bank name and mobile are present.

POST https://paygo.sanvexo.in/api/v1/payout/create

Request Body

Parameter	Type	Required	Description
`reference_id`	string	Yes	Your unique payout reference (max 100 chars)
`amount`	integer	Yes	minimum ₹1,000 live; ₹1 sandbox. Wallet, scheme and merchant limits apply.
`payout_mode`	string	Yes	`bank`, `imps`, or `neft`.
`account_type`	string	Yes for bank payouts	`saving` or `current`
`remark`	string	Yes for bank payouts	Non-empty description, maximum 250 characters.
`beneficiary_id`	integer	No*	ID of a validated beneficiary (recommended)
`beneficiary_name`	string	Yes	Beneficiary full name
`beneficiary_account`	string	Yes*	Bank account number (required for bank/imps/neft)
`beneficiary_ifsc`	string	Yes*	IFSC code (required for bank/imps/neft)
`beneficiary_vpa`	string	Yes*	UPI ID e.g. `user@upi` (required for upi mode)
`beneficiary_bank`	string	No	Bank name
`beneficiary_mobile`	string	No	Beneficiary mobile
`currency`	string	No	Default: `INR`

Example Request

Use your saved beneficiary's details; a new beneficiary must complete the configured validation flow before a payout is accepted.

curl -X POST 'https://paygo.sanvexo.in/api/v1/payout/create' -H 'X-API-Key: SVX_your_api_key' -H 'X-Secret-Key: SVS_your_secret_key' -H 'Content-Type: application/json' -d '{

    "reference_id": "PAY-2026-001",

    "amount": 1000,

    "payout_mode": "imps",

    "beneficiary_name": "Example Recipient",

    "beneficiary_account": "012345678901",

    "beneficiary_ifsc": "HDFC0001234",

    "beneficiary_bank": "HDFC Bank",

    "beneficiary_mobile": "9876543210",

    "account_type": "saving",

    "remark": "Merchant payout"

}'

$payload = json_decode('{

    "reference_id": "PAY-2026-001",

    "amount": 1000,

    "payout_mode": "imps",

    "beneficiary_name": "Example Recipient",

    "beneficiary_account": "012345678901",

    "beneficiary_ifsc": "HDFC0001234",

    "beneficiary_bank": "HDFC Bank",

    "beneficiary_mobile": "9876543210",

    "account_type": "saving",

    "remark": "Merchant payout"

}', true);

$ch = curl_init('https://paygo.sanvexo.in/api/v1/payout/create');

curl_setopt_array($ch, [CURLOPT_POST => true, CURLOPT_RETURNTRANSFER => true,

  CURLOPT_HTTPHEADER => ["Content-Type: application/json", "X-API-Key: SVX_your_api_key", "X-Secret-Key: SVS_your_secret_key"],

  CURLOPT_POSTFIELDS => json_encode($payload)]);

$response = curl_exec($ch);

const response = await fetch("https://paygo.sanvexo.in/api/v1/payout/create", {

  method: "POST", headers: {"Content-Type": "application/json",

    "X-API-Key": process.env.PAYGO_API_KEY, "X-Secret-Key": process.env.PAYGO_SECRET_KEY},

  body: JSON.stringify({

    "reference_id": "PAY-2026-001",

    "amount": 1000,

    "payout_mode": "imps",

    "beneficiary_name": "Example Recipient",

    "beneficiary_account": "012345678901",

    "beneficiary_ifsc": "HDFC0001234",

    "beneficiary_bank": "HDFC Bank",

    "beneficiary_mobile": "9876543210",

    "account_type": "saving",

    "remark": "Merchant payout"

})

});

const result = await response.json();

{

    "reference_id": "PAY-2026-001",

    "amount": 1000,

    "payout_mode": "imps",

    "beneficiary_name": "Example Recipient",

    "beneficiary_account": "012345678901",

    "beneficiary_ifsc": "HDFC0001234",

    "beneficiary_bank": "HDFC Bank",

    "beneficiary_mobile": "9876543210",

    "account_type": "saving",

    "remark": "Merchant payout"

}

Merchant API acceptance response (illustrative)

HTTP 200 OK

{
  "success": true,
  "message": "Payout initiated",
  "data": {
    "payout_id": "POXXXXXXXXXXXX",
    "reference_id": "PAY-2024-001",
    "amount": 1000,
    "platform_fee": 15,
    "gst_amount": 2.70,
    "total_fee": 17.70,
    "total_debited": 1017.70,
    "status": "processing",
    "payout_mode": "imps",
    "beneficiary_name": "Rahul Sharma",
    "beneficiary_id": 1,
    "invoice_number": null
  }
}

Status Values

Status	Description
pending	Payout created, awaiting processing
processing	Payout is being processed; settlement is not yet confirmed
success	Money credited to beneficiary
failed	Payout failed; inspect refund_status and wallet_refunded for refund completion.

Payouts debit the merchant wallet before submission. Failed payouts retain that debit until PayGo confirms its refund. Timeouts and ambiguous errors require status checks, not another transfer. Track the outcome using the status endpoint and your PayGo webhooks.