POST Initiate PayOut Transaction

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"
        }
    }
}

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

string

required

Your merchant authentication token

string

required

Basic authentication key

string

required

Must be “application/json”

Request Body Parameters

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.

string

required

Your unique transaction reference

number

required

Transaction amount in the specified currency code.

string

required

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

string

required

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

string

required

URL for receiving webhook notifications

object

required

Show Customer data object

string

required

Customer ID number

string

required

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

string

required

Country code for the customer’s phone number

string

required

Customer’s phone number without country code

string

required

Customer email address

string

required

Full name of the customer

string

required

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

string

required

Account number of the customer

string

required

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

object

Additional custom data for the transaction

Response

string

Unique transaction identifier (UUID v4 format)

string

Your provided transaction reference (must be unique)

string

Initial transaction status (will be PENDING)

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

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

Card Payment API

Integration

POST Initiate PayOut Transaction

Required Headers

Request Body Parameters

Response

Authorizations

Body

Response

​Required Headers

​Request Body Parameters

​Response

Authorizations

Body

Response

Required Headers

Request Body Parameters

Response