> ## Documentation Index
> Fetch the complete documentation index at: https://docs.reeple.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Initiate payout

> Send a payout from your business wallet

Initiate a payout. When you call this endpoint, Reeple transfers the funds from your available balance and notifies your application through a webhook once the transfer completes — see [Webhooks](/api-reference/webhooks).

## Endpoint

```
POST https://api-v3.reeple.ai/transfer
```

## Request body

| Field                | Type                     | Description                                                                                            |
| -------------------- | ------------------------ | ------------------------------------------------------------------------------------------------------ |
| `accountNumber`      | String                   | **Required.** The recipient's bank account number.                                                     |
| `amount`             | Number `>= 1`            | **Required.** Amount to pay out.                                                                       |
| `bankCode`           | String                   | **Required.** Code identifying the recipient's bank (routing number / BIC).                            |
| `currency`           | String                   | **Required.** See [Currency support](/api-reference/payouts/overview#currency-support).                |
| `narration`          | String                   | **Required.** Description of the transfer, shown on the recipient's bank statement.                    |
| `accountName`        | String                   | The recipient's account name.                                                                          |
| `bankName`           | String                   | The destination bank's name.                                                                           |
| `meta`               | Object                   | Additional information about the transfer.                                                             |
| `reference`          | String                   | Your unique reference for this payout.                                                                 |
| `saveBeneficiary`    | Boolean, default `false` | Whether to save the recipient for future transfers.                                                    |
| `saveBeneficiaryTag` | String                   | Name to assign the saved beneficiary, if `saveBeneficiary` is `true`.                                  |
| `accountType`        | Enum                     | For USD transfers: `CHECKING` \| `SAVINGS`. For AUD transfers, add `accountType: "BSB"` inside `meta`. |
| `beneficiaryType`    | Enum                     | `INDIVIDUAL` \| `BUSINESS`.                                                                            |

## NGN transfer example

```json theme={null}
{
  "currency": "NGN",
  "bankName": "string",
  "bankCode": "string",
  "accountNumber": "string",
  "accountName": "string",
  "amount": 1,
  "narration": "string",
  "meta": {},
  "saveBeneficiary": false,
  "saveBeneficiaryTag": "string",
  "reference": "string"
}
```

## AUD transfer example

```json theme={null}
{
  "type": "BSB",
  "currency": "AUD",
  "country": "AU",
  "accountNumber": "string",
  "accountName": "string",
  "amount": 10,
  "narration": "string",
  "meta": {
    "accountType": "BSB",
    "bsbNumber": "string"
  },
  "saveBeneficiary": false,
  "saveBeneficiaryTag": "string",
  "reference": "string"
}
```

## USD transfer example

```json theme={null}
{
  "type": "ACH",
  "currency": "USD",
  "country": "US",
  "accountNumber": "string",
  "accountName": "string",
  "bankName": "string",
  "amount": 10,
  "narration": "string",
  "meta": {
    "routingNumber": "string",
    "accountType": "ACH",
    "postCode": "string",
    "city": "string",
    "state": "string",
    "line1": "bank address",
    "bankAddress": "string",
    "beneficiary": {
      "type": "INDIVIDUAL",
      "country": "beneficiary country",
      "state": "beneficiary state",
      "city": "beneficiary city",
      "postCode": "beneficiary postCode",
      "line1": "beneficiary address",
      "address": "beneficiary address"
    }
  },
  "saveBeneficiary": false,
  "saveBeneficiaryTag": "string",
  "reference": "string"
}
```

## Response

```json theme={null}
{
  "success": true,
  "statusCode": 200,
  "message": "Transfer In Progress",
  "data": {}
}
```

<Warning>
  A `500`/`502` error on this endpoint does not necessarily mean the payout failed — it can also mean the response was lost after Reeple already processed it. Verify the transaction before retrying to avoid paying out twice. See [Errors](/api-reference/errors).
</Warning>

## Tracking a payout

* **API** — check the status at any time via [Get transaction by reference](/api-reference/transactions/get-transaction-by-reference).
* **Webhook** — Reeple notifies your registered webhook URL once the transfer completes — see [Webhooks](/api-reference/webhooks).