> ## Documentation Index > Fetch the complete documentation index at: https://docs.kemycard.com/llms.txt > Use this file to discover all available pages before exploring further. # Create a Quote > Prices a payout: the amount the beneficiary will receive (`received_amount` in `received_currency`), the KemyCard fee and the total that will be debited from your balance. **Nothing is debited at this stage.** The rail follows the beneficiary: | Beneficiary | `rail` | Received | Paid from (`balance_type`) | Amount per payout | |---|---|---|---|---| | SEPA (`rail` `sepa`) | `sepa` | EUR (`amount_eur`, `exchange_rate`) | Payout SEPA (`payout_sepa`) | 25 to 2,499 USD | | United States (`rail` `us`) | `ach` | USD, no conversion (`amount_eur` and `exchange_rate` are `null`) | Ops Others (`others`) | 100 to 2,499 USD | Confirm the quote with `POST /payouts` before `expires_at`. `amount_usd` has at most 2 decimals. The fee depends on your [plan](/getting-started/plans#payouts), is the same for SEPA and ACH, and is charged on top of the amount. The checks of the payout are run here and again at confirmation: customer `verified` and `active`, Découverte monthly limit (SEPA and ACH combined), and a balance that covers `total_debited_usd`. ## OpenAPI ````yaml POST /payouts/quotes openapi: 3.1.0 info: title: KemyCard API version: '1.0' description: > KemyCard API allows you to issue virtual and physical cards, manage KYC/POA verification, create crypto wallets, virtual bank accounts, purchase gift cards and send payouts to bank accounts (SEPA Instant in EUR, ACH in USD to the United States). Access depends on your plan (see [Plans and Pricing](/getting-started/plans)). The free Découverte plan gives access to virtual cards with the KYC and POA endpoints and to payouts (SEPA and ACH), within monthly limits (25 cards created and 5,000 USD loaded on cards per calendar month, 5,000 USD of payouts per calendar month), 30 requests per minute per API key, 2 allowed IP addresses and 1 active webhook endpoint. Starter, Business and Premium give access to every product with no monthly limit, 100 requests per minute per API key, 10 allowed IP addresses and 10 active webhook endpoints. Plan errors: `402 PLAN_UPGRADE_REQUIRED` (product not included in your plan), `403 PLAN_LIMIT_REACHED` (limit of your plan reached). While one of your ops balances is negative, every request other than `GET` returns `403 ACCOUNT_SUSPENDED_NEGATIVE_BALANCE`. contact: name: KemyCard API Support email: hi@kemycard.com servers: - url: https://api.kemycard.com/v1 description: Production security: - BearerAuth: [] tags: - name: Customers description: Manage your customers - name: Card Products description: Browse the card product catalog - name: Cards description: Issue and manage cards - name: KYC description: Identity verification - name: POA description: Proof of address verification - name: Wallets description: Crypto wallets - name: Virtual Accounts description: Virtual bank accounts - name: Gift Cards description: Gift card catalog and purchases - name: Payouts description: > Payouts to bank accounts: SEPA Instant in EUR (paid from your Payout SEPA balance) and ACH in USD to bank accounts in the United States (paid from your Ops Others balance) - name: Balance description: Operational balances and transaction history - name: Webhooks description: Webhook endpoints and delivery management paths: /payouts/quotes: post: tags: - Payouts summary: Create a quote description: > Prices a payout: the amount the beneficiary will receive (`received_amount` in `received_currency`), the KemyCard fee and the total that will be debited from your balance. **Nothing is debited at this stage.** The rail follows the beneficiary: | Beneficiary | `rail` | Received | Paid from (`balance_type`) | Amount per payout | |---|---|---|---|---| | SEPA (`rail` `sepa`) | `sepa` | EUR (`amount_eur`, `exchange_rate`) | Payout SEPA (`payout_sepa`) | 25 to 2,499 USD | | United States (`rail` `us`) | `ach` | USD, no conversion (`amount_eur` and `exchange_rate` are `null`) | Ops Others (`others`) | 100 to 2,499 USD | Confirm the quote with `POST /payouts` before `expires_at`. `amount_usd` has at most 2 decimals. The fee depends on your [plan](/getting-started/plans#payouts), is the same for SEPA and ACH, and is charged on top of the amount. The checks of the payout are run here and again at confirmation: customer `verified` and `active`, Découverte monthly limit (SEPA and ACH combined), and a balance that covers `total_debited_usd`. operationId: createPayoutQuote requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreatePayoutQuoteRequest' responses: '201': description: Quote created (status `open`) content: application/json: schema: type: object properties: success: type: boolean example: true data: $ref: '#/components/schemas/PayoutQuote' meta: $ref: '#/components/schemas/Meta' '400': description: > `INSUFFICIENT_BALANCE`: the balance of the rail does not cover `total_debited_usd` (`details`: `required`, `available`, `balance_type`: `payout_sepa` for SEPA, `others` for ACH). `OPERATION_FAILED`: payouts are temporarily unavailable, or the bank details of the beneficiary were refused (the message tells you what to correct). content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' examples: sepa: summary: SEPA payout, Payout SEPA balance too low value: success: false error: code: INSUFFICIENT_BALANCE message: Insufficient Payout SEPA balance. details: required: 107 available: 50 balance_type: payout_sepa ach: summary: ACH payout, Ops Others balance too low value: success: false error: code: INSUFFICIENT_BALANCE message: Insufficient Ops Others balance. details: required: 515 available: 200 balance_type: others '403': description: > `PLAN_LIMIT_REACHED`: the payout would exceed the 5,000 USD per month of the Découverte plan (`details`: `plan`, `monthly_limit_usd`, `sent_this_month_usd`). `FORBIDDEN`: the customer is not active. `ACCOUNT_SUSPENDED_NEGATIVE_BALANCE`: one of your ops balances is negative. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: success: false error: code: PLAN_LIMIT_REACHED message: >- The Découverte plan allows up to 5,000 USD of payouts per month. Upgrade your plan to send more. details: plan: decouverte monthly_limit_usd: 5000 sent_this_month_usd: 4900 '404': $ref: '#/components/responses/NotFound' '422': description: > Validation error: missing field (`details.missing_fields`), invalid `amount_usd` (`details.field`), amount out of range (`details.min_amount_usd`, `details.max_amount_usd`), or customer not verified (`details.required_level`, `details.customer_level`). content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: success: false error: code: VALIDATION_ERROR message: >- Payouts require a verified customer (identity verification approved). details: required_level: verified customer_level: basic components: schemas: CreatePayoutQuoteRequest: type: object required: - customer_code - beneficiary_code - amount_usd properties: customer_code: type: string format: uuid beneficiary_code: type: string format: uuid description: An active beneficiary of this customer amount_usd: type: number description: > Amount of the payout in USD, at most 2 decimals: 25 to 2,499 for SEPA, 100 to 2,499 for ACH (US beneficiary). The fee is added on top. example: 100 PayoutQuote: type: object properties: quote_code: type: string format: uuid description: >- Code to send to `POST /payouts`. It becomes the `code` of the payout. rail: type: string enum: - sepa - ach description: >- `sepa` (beneficiary with `rail` `sepa`) or `ach` (beneficiary in the United States) example: sepa status: type: string enum: - open - expired - refused - confirmed description: >- `open` when the quote is created: it can be confirmed until `expires_at` example: open customer_code: type: string format: uuid beneficiary: $ref: '#/components/schemas/PayoutBeneficiarySummary' amount_usd: type: number example: 100 fee_usd: type: number description: KemyCard fee of your plan, charged on top of the amount example: 7 total_debited_usd: type: number description: >- Total that will be debited at confirmation from the balance given by `balance_type` example: 107 received_amount: type: number nullable: true description: Amount the beneficiary will receive, in `received_currency` example: 86 received_currency: type: string enum: - EUR - USD description: '`EUR` for SEPA, `USD` for ACH (no currency conversion)' example: EUR amount_eur: type: number nullable: true description: Amount in EUR the beneficiary will receive. `null` for ACH. example: 86 exchange_rate: type: number nullable: true description: '`amount_eur` / `amount_usd`. `null` for ACH.' example: 0.86 balance_type: type: string enum: - payout_sepa - others description: >- Balance debited at confirmation: `payout_sepa` (Payout SEPA) for SEPA, `others` (Ops Others) for ACH example: payout_sepa expires_at: type: string format: date-time description: Confirm the quote before this date, otherwise request a new one created_at: type: string format: date-time Meta: type: object properties: request_id: type: string example: a4f8e2c1b3d97056 mode: type: string enum: - test - live example: test timestamp: type: string format: date-time ErrorResponse: type: object properties: success: type: boolean example: false error: type: object properties: code: type: string description: > Error code, for example `AUTHENTICATION_REQUIRED`, `AUTHENTICATION_FAILED`, `ACCOUNT_RESTRICTED`, `IP_NOT_ALLOWED`, `PLAN_UPGRADE_REQUIRED`, `PLAN_LIMIT_REACHED`, `ACCOUNT_SUSPENDED_NEGATIVE_BALANCE`, `INSUFFICIENT_BALANCE`, `OPERATION_FAILED`, `FORBIDDEN`, `RESOURCE_NOT_FOUND`, `VALIDATION_ERROR`, `RATE_LIMIT_EXCEEDED`, `INTERNAL_ERROR`, `wrong_api_host`. See [Error Handling](/guides/error-handling). example: VALIDATION_ERROR message: type: string example: Missing required fields. details: type: object nullable: true meta: $ref: '#/components/schemas/Meta' PayoutBeneficiarySummary: type: object properties: code: type: string format: uuid name: type: string example: JANE DOE iban_masked: type: string description: SEPA payouts only example: DE89 **** 3000 account_number_masked: type: string description: ACH payouts only. Last 4 digits of the US account number. example: '**** 9012' routing_number: type: string description: ACH payouts only example: '021000021' bank_name: type: string example: Test Bank country: type: string description: Country of the bank account (`US` for ACH) example: DE responses: NotFound: description: Resource not found content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: success: false error: code: RESOURCE_NOT_FOUND message: Resource not found. details: null securitySchemes: BearerAuth: type: http scheme: bearer description: API key (sk_test_... or sk_live_...) ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.