Process an ACH payout

Prerequisites

A valid API key — see Obtain API credentials
A processor integration configured for ACH (Vericheck)

Step 1: Build the request

Set type to payout and include the recipient's bank account details.

Field	Required	Description
`type`	Yes	`payout`
`amount`	Yes	Amount in cents
`payment_method.type`	Yes	`bank_account`
`payment_method.account_number`	Yes	Recipient's bank account number
`payment_method.routing_number`	Yes	9-digit ABA routing number
`payment_method.account_type`	Yes	`checking` or `savings`
`payment_method.name`	Yes	Account holder name
`payment_method.email`	Yes	Account holder email

Step 2: Send the request

curl -X POST \
  https://api.dev.paradisegateway.net/v1/transactions \
  -H "Content-Type: application/json" \
  -H "APIKEY: YOUR-API-KEY" \
  -d '{
    "type": "bank_account_payout",
    "amount": 35000,
    "payment_method": {
      "type": "bank_account",
      "account_number": "1122334455",
      "routing_number": "071000013",
      "account_type": "savings",
      "name": "Leonard McCoy",
      "email": "bones@example.com"
    },
    "recurring": false,
    "purchase_description": "Medical supplies"
  }'

Step 3: Handle the response

{
  "id": "TRANSACTION-04MQMCC0Y0AYR6NW1J5Z7X9B2",
  "object": "transaction",
  "type": "bank_account_payout",
  "transaction_state": "authorized",
  "response_status": "Approved",
  "response_code": "00",
  "response_message": "The API request is approved.",
  "amount_requested": 35000,
  "amount_authorized": 35000,
  "amount": 35000,
  "correlation_id": "d4e5f6a7-b8c9-0123-def0-123456789abc"
}

The payout follows the same ACH timeline as payments: settlement in 2–3 business days with a return window of up to 60 days.

Canceling a payout

Cancel a payout before settlement with POST /v1/transactions/{id}/cancel.

{
  "type": "bank_account_payout_cancel",
  "amount": 35000
}

Payments vs. payouts

	Payment (debit)	Payout (credit)
Direction	Person's bank → merchant	Merchant → person's bank
Transaction type	`bank_account_payment`	`bank_account_payout`
Cancel type	`bank_account_payment_cancel`	`bank_account_payout_cancel`
Use case	Collect payment	Disburse funds

Next steps

Process an ACH payment — collect funds from a bank account
Process a payment with a stored token — use a tokenized bank account
About ACH/bank account payments