Skip to main content
API Payouts — also called Dynamic Payouts — give your platform full control over when and how funds are transferred to merchants. Instead of waiting for a predefined schedule, you initiate each payout through the Dynamic Payouts API at exactly the moment your business logic requires, whether that’s immediately after an event, on a custom cadence, or as a one-time disbursement.

​
Create a Payout Instruction

1

Add a Bank Account to the Merchant

Ensure the merchant is fully provisioned on your platform, then add their bank account so Jupico has a valid destination for the transfer.
2

Run a Transaction

Initiate a transaction using the merchant’s ID to generate a balance that can be paid out.
In the sandbox, wait approximately 2 minutes after the transaction before proceeding — sandbox processing is accelerated but not instant. In production, transactions settle in end-of-day batches with next-day settlement.
3

Check the Merchant's Available Balance

Query the merchant’s available balance before submitting a payout instruction. Confirm there are sufficient funds to cover the payout amount you intend to send.The response carries a single amount — the balance available to pay out right now:
4

Submit Payout Instructions

Submit the payout details — including how and where the funds should be transferred — using the Dynamic Payouts API.
5

Await Underwriting Approval

After submission, wait for underwriting approval to confirm the payout is authorized before it is processed.
6

Verify Payout Status

Check the status of the payout to confirm whether it completed successfully or failed, and handle each outcome accordingly in your integration. See Payout statuses for the full list.

​
Payout statuses

A payout instruction moves through the following statuses:
sent means Jupico handed the payout to the bank — not that the bank confirmed the funds reached the merchant’s account. There is no separate “arrived” status. Funds typically land within a few business days of sent.

​
Voiding Payout Instructions

If you need to cancel a payout after submitting it, you can void the instruction — but only while it is still pending.
You can only void a payout instruction in pending status. Once it has been approved (ack), the instruction cannot be voided.
To void an existing payout instruction, send both subMerchantId and payoutId:
Both fields are required. A void request without subMerchantId is rejected with HTTP 401 and the code auth_invalid_submerchant.

​
Sandbox Testing

Use the jpt-sim-mt-1 (Dynamic mode) submerchant when testing dynamic payouts in the sandbox environment. This test submerchant is pre-configured to support the full API payout flow.

​
Benefits of API Payouts

  • Greater control: Decide exactly when each payout is initiated, independent of any fixed schedule.
  • One-time and event-triggered scenarios: Accommodate unique disbursements that don’t fit a recurring pattern.
  • Improved cash flow flexibility: Serve merchants with variable payout needs without locking them into a fixed interval.
Last modified on October 14, 2026