# ## Prerequisites * A valid API key — see [Obtain API credentials](/docs/how-tos/setup/obtain-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 ```shell 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" }' ``` Python ```python import requests resp = requests.post( "https://api.dev.paradisegateway.net/v1/transactions", headers={"Content-Type": "application/json", "APIKEY": "YOUR-API-KEY"}, json={ "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", }, ) print(resp.json()) ``` JavaScript ```javascript const resp = await fetch( "https://api.dev.paradisegateway.net/v1/transactions", { method: "POST", headers: { "Content-Type": "application/json", "APIKEY": "YOUR-API-KEY", }, body: JSON.stringify({ 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", }), } ); console.log(await resp.json()); ``` C# ```csharp using var client = new HttpClient(); client.DefaultRequestHeaders.Add("APIKEY", "YOUR-API-KEY"); var payload = new { type = "bank_account_payout", amount = 35000, payment_method = new { 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" }; var resp = await client.PostAsJsonAsync( "https://api.dev.paradisegateway.net/v1/transactions", payload); Console.WriteLine(await resp.Content.ReadAsStringAsync()); ``` Java ```java HttpClient client = HttpClient.newHttpClient(); String body = """ { "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" } """; HttpRequest request = HttpRequest.newBuilder() .uri(URI.create("https://api.dev.paradisegateway.net/v1/transactions")) .header("Content-Type", "application/json") .header("APIKEY", "YOUR-API-KEY") .POST(HttpRequest.BodyPublishers.ofString(body)).build(); HttpResponse resp = client.send(request, HttpResponse.BodyHandlers.ofString()); System.out.println(resp.body()); ``` Go ```go payload := strings.NewReader(`{ "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" }`) req, _ := http.NewRequest("POST", "https://api.dev.paradisegateway.net/v1/transactions", payload) req.Header.Set("Content-Type", "application/json") req.Header.Set("APIKEY", "YOUR-API-KEY") resp, _ := http.DefaultClient.Do(req) defer resp.Body.Close() body, _ := io.ReadAll(resp.Body) fmt.Println(string(body)) ``` PHP ```php $ch = curl_init("https://api.dev.paradisegateway.net/v1/transactions"); curl_setopt_array($ch, [ CURLOPT_RETURNTRANSFER => true, CURLOPT_POST => true, CURLOPT_HTTPHEADER => ["Content-Type: application/json", "APIKEY: YOUR-API-KEY"], CURLOPT_POSTFIELDS => json_encode([ "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", ]), ]); echo curl_exec($ch); curl_close($ch); ``` Ruby ```ruby require "net/http"; require "json" uri = URI("https://api.dev.paradisegateway.net/v1/transactions") req = Net::HTTP::Post.new(uri, { "Content-Type" => "application/json", "APIKEY" => "YOUR-API-KEY", }) req.body = { 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", }.to_json resp = Net::HTTP.start(uri.hostname, uri.port, use_ssl: true) { |http| http.request(req) } puts resp.body ``` ## Step 3: Handle the response ```json { "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`. ```json { "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](/docs/how-tos/process-payments/process-ach-payment) — collect funds from a bank account * [Process a payment with a stored token](/docs/how-tos/process-payments/process-payment-with-token) — use a tokenized bank account * [About ACH/bank account payments](/docs/concepts/transactions/ach-accounts)