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POST
/
payout
curl --request POST 'https://api-empresas.staging.topup.com.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": "johndoe@email.com",
        "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"
        }
    }
}
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.topup.com.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": "johndoe@email.com",
        "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
​
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
​
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)