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Bank Payouts testing

Last updated: 9th August 2022

Use the sample requests on this page to test a number of Bank Payouts scenarios.

Payment instruments

Successful creation

A successful attempt means that the bank account payment instrument was created and stored in the Vault.

You can trigger this by including one of the following bank codes, IBANs, or SWIFT BICs in your request to create a payment instrument:

TypeCodeCountry

bank_code

050389

_

160008

_

200407

_

250631

_

504044

_

211170318

_

271972572

_

107006444

_

061000104

_

iban

CH7709000000403458523

Switzerland

CH5604835012345678009

Switzerland

CH5104835048708081000

Switzerland

IE64IRCE92050112345678

Ireland

IE70AIBK93006732013730

Ireland

IL620108000000099999999

Israel

IL812471574936472586435

Israel

IL242525955989749798812

Israel

IL897464662155661697787

Israel

IL742117699875433391788

Israel

swift_bic

AUBKPHMM

Philippines

BNORPHMM

Philippines

BOPIPHMMXXX

Philippines

CHBKPHMMXXX

Philippines

LUMIILITXXX

Israel

The request

Endpoint

    post

    https://api.sandbox.checkout.com/instruments

    Header parameters

    HeaderValue

    Authorization

    required

    OAuth Bearer access_token

    Content-Type

    required

    application/json

    Request examples

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      {
      "type": "bank_account",
      "account_number": "13654567",
      "bank_code": "160008",
      "currency": "GBP",
      "country": "GB",
      "account_holder": {
      "first_name": "Jack",
      "last_name": "Napier",
      "billing_address": {
      "address_line1": "90 Tottenham Court Road",
      "city": "London",
      "state": "London",
      "zip": "W1T 4TJ",
      "country": "GB"
      }
      }
      }

      The response

      Response example

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        {
        "type": "bank_account",
        "fingerprint": "vnsdrvikkvre3dtrjjvlm5du4q",
        "id": "src_wmlfc3zyhqzehihu7giusaaawu"
        }

        Successful creation with enriched data

        Sometimes we're able to get more information about the bank account you're trying to store in the Vault, meaning you can store additional fields in the payment instrument, such as the bank name and branch.

        You can trigger this by including "iban": "GB29NWBK60161331926819" in your request to create a payment instrument.

        The request

        Endpoint

        post

        https://api.sandbox.checkout.com/instruments

        Header parameters

        HeaderValue

        Authorization

        required

        OAuth Bearer access_token

        Content-Type

        required

        application/json

        Request example

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        {
        "type": "bank_account",
        "iban": "GB29NWBK60161331926819",
        "currency": "EUR",
        "country": "GB",
        "account_holder": {
        "first_name": "Jack",
        "last_name": "Napier",
        "billing_address": {
        "address_line1": "90 Tottenham Court Road",
        "city": "London",
        "state": "London",
        "zip": "W1T 4TJ",
        "country": "GB"
        }
        }
        }

        The response

        Response example

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          {
          "type": "bank_account",
          "fingerprint": "mucw7ytsz6gulnl7jllv4xbgzq",
          "id": "src_qaen3zb3f5fejbqseafxigaopm"
          "iban": "GB29NWBK60161331926819",
          "swift_bic": "NWBKGB2LXXX",
          "bank": {
          "name": "National Westminster Bank PLC",
          "branch": "Premier Place",
          "address": {
          "address_line1": "Premier Place",
          "address_line2": "Devonshire Square",
          "city": "London",
          "state": "London",
          "zip": "EC2M 4XB",
          "country": "England"
          }
          }
          }

          Successful creation with corrected data

          Sometimes we're able to correct some of the bank account fields in your payment instrument when you create it.

          You can trigger this by including "iban": "GB29NWBK60161331926819" and "swift_bic": "NWBKGB2TXXX" in your request to create a payment instrument.

          The request

          Endpoint

          post

          https://api.sandbox.checkout.com/instruments

          Header parameters

          HeaderValue

          Authorization

          required

          OAuth Bearer access_token

          Content-Type

          required

          application/json

          Request example

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          {
          "type": "bank_account",
          "iban": "GB29NWBK60161331926819",
          "swift_bic": "NWBKGB2TXXX",
          "currency": "GBP",
          "country": "GB",
          "account_holder": {
          "first_name": "Jack",
          "last_name": "Napier",
          "billing_address": {
          "address_line1": "90 Tottenham Court Road",
          "city": "London",
          "state": "London",
          "zip": "W1T 4TJ",
          "country": "GB"
          }
          }
          }

          The response

          In the response, you'll notice that the swift_bic value has been corrected from NWBKGB2TXXX to NWBKGB2LXXX.

          Response example

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            {
            "type": "bank_account",
            "fingerprint": "mucw7ytsz6gulnl7jllv4xbgzq",
            "id": "src_p3ogzppc6upernp3sbjxkyo3my",
            "iban": "GB29NWBK60161331926819",
            "swift_bic": "NWBKGB2LXXX",
            "bank": {
            "name": "National Westminster Bank PLC",
            "branch": "Premier Place",
            "address": {
            "address_line1": "Premier Place",
            "address_line2": "Devonshire Square",
            "city": "London",
            "state": "London",
            "zip": "EC2M 4XB",
            "country": "England"
            }
            }
            }

            Failed attempt

            A failed attempt means that the bank account payment instrument was not created, owing to some error.

            You can trigger this error by including one of the following bank codes, IBANs, or SWIFT BICs in your request when creating a payment instrument:

            • bank_code: 507013, 000000000, 123456789, or 928934723

            • iban: GB33BUZB50701355555552

            • swift_bic: NWBKGB2L, NWBKGB2LXXX, or ABCDPHEF

            The request

            Endpoint

            post

            https://api.sandbox.checkout.com/instruments

            Header parameters

            HeaderValue

            Authorization

            required

            OAuth Bearer access_token

            Content-Type

            required

            application/json

            Request examples

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              {
              "type": "bank_account",
              "account_number": "13654567",
              "bank_code": "507013",
              "currency": "GBP",
              "country": "GB",
              "account_holder": {
              "first_name": "Jack",
              "last_name": "Napier",
              "billing_address": {
              "address_line1": "90 Tottenham Court Road",
              "city": "London",
              "state": "London",
              "zip": "W1T 4TJ",
              "country": "GB"
              }
              }
              }

              The response

              Response example

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                {
                "request_id": "71ccac67-5018-4917-9446-f2f6f2b8270e",
                "error_type": "request_invalid",
                "error_codes": [
                "bank_code_invalid"
                ]
                }

                Payout requests

                Quote expiry when requesting a payout

                A quote expiry error indicates that your FX quote has expired and cannot be used to make a payout. You can trigger this by including one of the following bank codes or IBANs in your request to create a payment instrument:

                • bank_code: 160008, 200407, 250631, or 504044.
                • iban: IE64IRCE92050112345678, CH5604835012345678009, IE70AIBK93006732013730, or CH5104835048708081000.

                Step 1: Create a payment instrument in the Vault

                Endpoint

                  post

                  https://api.sandbox.checkout.com/instruments

                  Header parameters

                  HeaderValue

                  Authorization

                  required

                  OAuth Bearer access_token

                  Content-Type

                  required

                  application/json

                  Request example

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                  {
                  "type": "bank_account",
                  "account_number": "13654567",
                  "bank_code": "160008",
                  "currency": "GBP",
                  "country": "GB",
                  "account_holder": {
                  "first_name": "Jack",
                  "last_name": "Napier",
                  "billing_address": {
                  "address_line1": "90 Tottenham Court Road",
                  "city": "London",
                  "state": "London",
                  "zip": "W1T 4TJ",
                  "country": "GB"
                  }
                  }
                  }

                  Response example

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                  {
                  "type": "bank_account",
                  "fingerprint": "vnsdrvikkvre3dtrjjvlm5du4q",
                  "id": "src_gsd2agaqd2sernz5tpcfv555nq"
                  }

                  Step 2: Create a payout

                  Include the following quote_id in your request to trigger the error: qte_mbabizu24mvu3mela5njyhpit4.

                  Endpoint

                    post

                    https://api.sandbox.checkout.com/payments

                    Header parameters

                    HeaderValue

                    Authorization

                    required

                    OAuth Bearer access_token

                    Content-Type

                    required

                    application/json

                    Request example

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                    {
                    "source": {
                    "type": "currency_account",
                    "id": "ca_y3oqhf46pyzuxjbcn2giaqnb44"
                    },
                    "destination": {
                    "type": "id",
                    "id": "src_gsd2agaqd2sernz5tpcfv555nq"
                    },
                    "amount": 1000,
                    "currency": "GBP",
                    "reference": "PO-215-5721",
                    "billing_descriptor": {
                    "reference": "Withdrawal"
                    },
                    "sender": {
                    "type": "instrument",
                    "reference": "8285282045818"
                    },
                    "instruction": {
                    "purpose": "Wallet Withdrawal",
                    "quote_id": "qte_mbabizu24mvu3mela5njyhpit4"
                    }
                    }

                    Response example

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                    {
                    "request_id": "71ccac67-5018-4917-9446-f2f6f2b8270e",
                    "error_type": "processing_error",
                    "error_codes": [
                    "quote_expired"
                    ]
                    }

                    Payout with 'Declined' status

                    The declined status indicates that the payout has failed. You can trigger this by including one of the following in your request to create a payment instrument:

                    • bank_code: 250631
                    • iban: IE70AIBK93006732013730

                    Step 1: Create a payment instrument in the Vault

                    Endpoint

                      post

                      https://api.sandbox.checkout.com/instruments

                      Header parameters

                      HeaderValue

                      Authorization

                      required

                      OAuth Bearer access_token

                      Content-Type

                      required

                      application/json

                      Request example

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                      {
                      "type": "bank_account",
                      "account_number": "13654567",
                      "bank_code": "250631",
                      "currency": "GBP",
                      "country": "GB",
                      "account_holder": {
                      "first_name": "Jack",
                      "last_name": "Napier",
                      "billing_address": {
                      "address_line1": "90 Tottenham Court Road",
                      "city": "London",
                      "state": "London",
                      "zip": "W1T 4TJ",
                      "country": "GB"
                      }
                      }
                      }

                      Response example

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                      {
                      "type": "bank_account",
                      "fingerprint": "vnsdrvikkvre3dtrjjvlm5du4q",
                      "id": "src_ez3bolgy7ggu5bnjsilialkegi"
                      }

                      Step 2: Create a payout

                      Endpoint

                        post

                        https://api.sandbox.checkout.com/payments

                        Header parameters

                        HeaderValue

                        Authorization

                        required

                        OAuth Bearer access_token

                        Content-Type

                        required

                        application/json

                        Request example

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                        {
                        "source": {
                        "type": "currency_account",
                        "id": "ca_y3oqhf46pyzuxjbcn2giaqnb44"
                        },
                        "destination": {
                        "type": "id",
                        "id": "src_ez3bolgy7ggu5bnjsilialkegi"
                        },
                        "amount": 1000,
                        "currency": "GBP",
                        "reference": "PO-215-5721",
                        "billing_descriptor": {
                        "reference": "Withdrawal"
                        },
                        "sender": {
                        "type": "instrument",
                        "reference": "8285282045818"
                        },
                        "instruction": {
                        "purpose": "Wallet Withdrawal",
                        "quote_id": "qte_xrhaw53z5m6ehbbxz2n6n5lk74"
                        }
                        }

                        Response example

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                        {
                        "id": "pay_axh4wk2nhjqenlr2vqvm6kxqta",
                        "status": "Pending",
                        "reference": "PO-215-5721",
                        "instruction": {
                        "value_date": "2020-06-12T22:24:55.8771497Z"
                        },
                        "_links": {
                        "self": {
                        "href": "https://api.sandbox.checkout.com/payments/pay_axh4wk2nhjqenlr2vqvm6kxqta"
                        },
                        "actions": {
                        "href": "https://api.sandbox.checkout.com/payments/pay_axh4wk2nhjqenlr2vqvm6kxqta/actions"
                        }
                        }
                        }

                        Step 3: Payment declined webhook notification

                        In response, you will receive the following payment_declined webhook.

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                        {
                        "id": "evt_6ebhaydlc3kepmacp22s5smodq",
                        "type": "payment_declined",
                        "version": "1.0.3",
                        "created_on": "2020-06-12T15:20:55.7983215Z",
                        "data": {
                        "id": "pay_axh4wk2nhjqenlr2vqvm6kxqta",
                        "reference": "PO-215-5721",
                        "action_id": "act_2sgst4337zjurdj7b2fsonxwre",
                        "response_code": "50001",
                        "response_summary": "Compliance error",
                        "amount": 1000,
                        "currency": "GBP",
                        "source": {
                        "type": "currency_account",
                        "id": "ca_y3oqhf46pyzuxjbcn2giaqnb44"
                        },
                        "destination": {
                        "type": "bank_account",
                        "id": "src_ez3bolgy7ggu5bnjsilialkegi",
                        "fingerprint": "vnsdrvikkvre3dtrjjvlm5du4q"
                        },
                        "processed_on": "2020-06-12T15:20:51.5677679Z"
                        },
                        "_links": {
                        "self": {
                        "href": "https://api.sandbox.checkout.com/workflows/events/evt_6ebhaydlc3kepmacp22s5smodq"
                        },
                        "subject": {
                        "href": "https://api.sandbox.checkout.com/workflows/events/subject/pay_axh4wk2nhjqenlr2vqvm6kxqta"
                        }
                        }
                        }

                        Payout with 'Paid' status

                        The paid status indicates that the payout was successful. You can trigger this by including one of the following in your request to create a payment instrument:

                        • bank_code: 200407
                        • iban: CH5604835012345678009

                        Step 1: Create a payment instrument in the Vault

                        Endpoint

                          post

                          https://api.sandbox.checkout.com/instruments

                          Header parameters

                          HeaderValue

                          Authorization

                          required

                          OAuth Bearer access_token

                          Content-Type

                          required

                          application/json

                          Request example

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                          {
                          "type": "bank_account",
                          "account_number": "13654567",
                          "bank_code": "200407",
                          "currency": "GBP",
                          "country": "GB",
                          "account_holder": {
                          "first_name": "Jack",
                          "last_name": "Napier",
                          "billing_address": {
                          "address_line1": "90 Tottenham Court Road",
                          "city": "London",
                          "state": "London",
                          "zip": "W1T 4TJ",
                          "country": "GB"
                          }
                          }
                          }

                          Response example

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                          {
                          "type": "bank_account",
                          "fingerprint": "vnsdrvikkvre3dtrjjvlm5du4q",
                          "id": "src_vovjchw6exauvjrdzpmfu3sm3y"
                          }

                          Step 2: Create a payout

                          Endpoint

                            post

                            https://api.sandbox.checkout.com/payments

                            Header parameters

                            HeaderValue

                            Authorization

                            required

                            OAuth Bearer access_token

                            Content-Type

                            required

                            application/json

                            Request example

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                            {
                            "source": {
                            "type": "currency_account",
                            "id": "ca_y3oqhf46pyzuxjbcn2giaqnb44",
                            },
                            "destination": {
                            "type": "id",
                            "id": "src_vovjchw6exauvjrdzpmfu3sm3y"
                            },
                            "amount": 1000
                            "currency": "GBP",
                            "reference": "PO-215-5721",
                            "billing_descriptor": {
                            "reference": "Withdrawal"
                            },
                            "sender": {
                            "type": "instrument",
                            "reference": "8285282045818"
                            },
                            "instruction": {
                            "purpose": "Wallet Withdrawal",
                            "desired_value_date": "2019-09-10T10:11:12Z",
                            "quote_id": "qte_xrhaw53z5m6ehbbxz2n6n5lk74"
                            }
                            }

                            Response example

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                            {
                            "id": "pay_dvxl6j6stpqufkzfgbaahmfrzm",
                            "status": "Pending",
                            "reference": "PO-215-5721",
                            "instruction": {
                            "value_date": "2020-06-12T22:27:42.512594Z"
                            },
                            "_links": {
                            "self": {
                            "href": "https://api.sandbox.checkout.com/payments/pay_dvxl6j6stpqufkzfgbaahmfrzm"
                            },
                            "actions": {
                            "href": "https://api.sandbox.checkout.com/payments/pay_dvxl6j6stpqufkzfgbaahmfrzm/actions"
                            }
                            }
                            }

                            Step 3: Payment paid webhook notification

                            In response, you will receive the following payment_paid webhook.

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                            {
                            "id": "evt_ooratpvrc4yezkrjjrfohi26te",
                            "type": "payment_paid",
                            "version": "1.0.3",
                            "created_on": "2020-06-12T17:46:24.4862402Z",
                            "data": {
                            "id": "pay_dvxl6j6stpqufkzfgbaahmfrzm",
                            "reference": "PO-215-5721",
                            "action_id": "act_y37vtskjeweuhfy4mhiggxhpgu",
                            "response_code": "10000",
                            "response_summary": "Approved",
                            "amount": 1000,
                            "currency": "GBP",
                            "source": {
                            "type": "currency_account",
                            "id": "ca_y3oqhf46pyzuxjbcn2giaqnb44"
                            },
                            "destination": {
                            "type": "bank_account",
                            "id": "src_vovjchw6exauvjrdzpmfu3sm3y",
                            "fingerprint": "vnsdrvikkvre3dtrjjvlm5du4q"
                            },
                            "processed_on": "2020-06-12T17:46:15.2106459Z",
                            "instruction": {
                            "value_date": "2020-06-13T05:46:15.2845092Z"
                            }
                            },
                            "_links": {
                            "self": {
                            "href": "https://api.sandbox.checkout.com/workflows/events/evt_ooratpvrc4yezkrjjrfohi26te"
                            },
                            "subject": {
                            "href": "https://api.sandbox.checkout.com/workflows/events/subject/pay_dvxl6j6stpqufkzfgbaahmfrzm"
                            }
                            }
                            }

                            Payout with 'Returned' status

                            The returned status indicates that the payout failed and has been returned. You can trigger this by including one of the following in your request to create a payment instrument:

                            • bank_code: 504044
                            • iban: CH5104835048708081000

                            Step 1: Create a payment instrument in the Vault

                            Endpoint

                              post

                              https://api.sandbox.checkout.com/instruments

                              Header parameters

                              HeaderValue

                              Authorization

                              required

                              OAuth Bearer access_token

                              Content-Type

                              required

                              application/json

                              Request example

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                              {
                              "type": "bank_account",
                              "account_number": "13654567",
                              "bank_code": "504044",
                              "currency": "GBP",
                              "country": "GB",
                              "account_holder": {
                              "first_name": "Jack",
                              "last_name": "Napier",
                              "billing_address": {
                              "address_line1": "90 Tottenham Court Road",
                              "city": "London",
                              "state": "London",
                              "zip": "W1T 4TJ",
                              "country": "GB"
                              }
                              }
                              }

                              Response example

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                              {
                              "type": "bank_account",
                              "fingerprint": "vnsdrvikkvre3dtrjjvlm5du4q",
                              "id": "src_ddy3e5xuuilutddqxh5pso75i4"
                              }

                              Step 2: Create a payout

                              Endpoint

                                post

                                https://api.sandbox.checkout.com/payments

                                Header parameters

                                HeaderValue

                                Authorization

                                required

                                OAuth Bearer access_token

                                Content-Type

                                required

                                application/json

                                Request example

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                                {
                                "source": {
                                "type": "currency_account",
                                "id": "ca_y3oqhf46pyzuxjbcn2giaqnb44"
                                },
                                "destination": {
                                "type": "id",
                                "id": "src_ddy3e5xuuilutddqxh5pso75i4"
                                },
                                "amount": 1000,
                                "currency": "GBP",
                                "reference": "PO-215-5721",
                                "billing_descriptor": {
                                "reference": "Withdrawal"
                                },
                                "sender": {
                                "type": "instrument",
                                "reference": "8285282045818"
                                },
                                "instruction": {
                                "purpose": "Wallet Withdrawal",
                                "quote_id": "qte_xrhaw53z5m6ehbbxz2n6n5lk74"
                                }
                                }

                                Response example

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                                {
                                "id": "pay_tli5tj6y5upe7m4chnunbzjr5q",
                                "status": "Pending",
                                "reference": "PO-215-5721",
                                "instruction": {
                                "value_date": "2020-06-12T22:29:33.5117845Z"
                                },
                                "_links": {
                                "self": {
                                "href": "https://api.sandbox.checkout.com/payments/pay_zwju7gzdbvwe5ewlzpjdd7zbla"
                                },
                                "actions": {
                                "href": "https://api.sandbox.checkout.com/payments/pay_zwju7gzdbvwe5ewlzpjdd7zbla/actions"
                                }
                                }
                                }

                                Step 3: Payment paid webhook notification

                                In response, you will receive the following payment_paid webhook.

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                                {
                                "id": "evt_ooratpvrc4yezkrjjrfohi26te",
                                "type": "payment_paid",
                                "version": "1.0.3",
                                "created_on": "2020-06-12T17:46:24.4862402Z",
                                "data": {
                                "id": "pay_tli5tj6y5upe7m4chnunbzjr5q",
                                "reference": "PO-215-5721",
                                "action_id": "act_y37vtskjeweuhfy4mhiggxhpgu",
                                "response_code": "10000",
                                "response_summary": "Approved",
                                "amount": 1000,
                                "currency": "GBP",
                                "source": {
                                "type": "currency_account",
                                "id": "ca_y3oqhf46pyzuxjbcn2giaqnb44"
                                },
                                "destination": {
                                "type": "bank_account",
                                "id": "src_ddy3e5xuuilutddqxh5pso75i4",
                                "fingerprint": "vnsdrvikkvre3dtrjjvlm5du4q"
                                },
                                "processed_on": "2020-06-12T17:46:15.2106459Z",
                                "instruction": {
                                "value_date": "2020-06-13T05:46:15.2845092Z"
                                }
                                },
                                "_links": {
                                "self": {
                                "href": "https://api.sandbox.checkout.com/workflows/events/evt_ooratpvrc4yezkrjjrfohi26te"
                                },
                                "subject": {
                                "href": "https://api.sandbox.checkout.com/workflows/events/subject/pay_tli5tj6y5upe7m4chnunbzjr5q"
                                }
                                }
                                }

                                Step 4: Payment returned webhook notification

                                You will then receive the following payment_returned webhook.

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                                {
                                "id": "evt_djb3apm54d2ehg2pt4kmtlrfqu",
                                "type": "payment_returned",
                                "version": "1.0.3",
                                "created_on": "2020-06-12T17:44:34.2986234Z",
                                "data": {
                                "id": "pay_tli5tj6y5upe7m4chnunbzjr5q",
                                "reference": "PO-215-5721",
                                "action_id": "act_aw2a5iw4qgau7hekeiwjd3yjiy",
                                "response_code": "50401",
                                "response_summary": "Bank details invalid",
                                "amount": 1000,
                                "currency": "GBP",
                                "source": {
                                "type": "currency_account",
                                "id": "ca_y3oqhf46pyzuxjbcn2giaqnb44"
                                },
                                "destination": {
                                "type": "bank_account",
                                "id": "src_ddy3e5xuuilutddqxh5pso75i4",
                                "fingerprint": "vnsdrvikkvre3dtrjjvlm5du4q"
                                },
                                "processed_on": "2020-06-12T17:44.34Z"
                                },
                                "_links": {
                                "self": {
                                "href": "https://api.sandbox.checkout.com/workflows/events/evt_djb3apm54d2ehg2pt4kmtlrfqu"
                                },
                                "subject": {
                                "href": "https://api.sandbox.checkout.com/workflows/events/subject/pay_tli5tj6y5upe7m4chnunbzjr5q"
                                }
                                }
                                }