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.
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.

​
Voiding Payout Instructions

If you need to cancel a payout after submitting it, you can void the instruction — but only while it has not yet been processed.
You can only void a payout instruction that has not been processed. Once processing begins, the instruction cannot be voided.
To void an existing payout instruction, include the payoutId in your void request.

​
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 July 15, 2026