> ## 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. # Send a Payout > Confirms an open quote: the total of the quote (`total_debited_usd`) is debited from the balance of the rail (`payout_sepa` for SEPA, `others` for ACH) and the payout is created with status `pending` (HTTP `202`). It is then sent to the bank asynchronously: follow it with the `payout.*` webhooks or `GET /payouts/{code}`. The `code` of the payout is the `quote_code`. **`reference` is required** and unique per partner account: 1 to 100 characters among letters, digits and `- _ . : /` (for example your order ID). Sending the same `quote_code` with the same `reference` again returns the payout already created with HTTP `200`, and nothing is debited twice. A `reference` already used by another payout returns `422 VALIDATION_ERROR`. If the quote has expired when the payout is sent to the bank, KemyCard requests a new quote automatically. If the amount received would be more than 1% lower than the accepted quote, the payout fails and is refunded. ## OpenAPI ````yaml POST /payouts 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: post: tags: - Payouts summary: Send a payout description: > Confirms an open quote: the total of the quote (`total_debited_usd`) is debited from the balance of the rail (`payout_sepa` for SEPA, `others` for ACH) and the payout is created with status `pending` (HTTP `202`). It is then sent to the bank asynchronously: follow it with the `payout.*` webhooks or `GET /payouts/{code}`. The `code` of the payout is the `quote_code`. **`reference` is required** and unique per partner account: 1 to 100 characters among letters, digits and `- _ . : /` (for example your order ID). Sending the same `quote_code` with the same `reference` again returns the payout already created with HTTP `200`, and nothing is debited twice. A `reference` already used by another payout returns `422 VALIDATION_ERROR`. If the quote has expired when the payout is sent to the bank, KemyCard requests a new quote automatically. If the amount received would be more than 1% lower than the accepted quote, the payout fails and is refunded. operationId: createPayout requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreatePayoutRequest' responses: '200': description: >- Same `quote_code` and `reference` sent again — the payout already created is returned content: application/json: schema: $ref: '#/components/schemas/PayoutSuccessResponse' '202': description: Payout accepted (status `pending`), balance debited content: application/json: schema: $ref: '#/components/schemas/PayoutSuccessResponse' '400': description: > `INSUFFICIENT_BALANCE`: the balance of the rail (Payout SEPA for SEPA, Ops Others for ACH) does not cover the total (`details`: `required`, `balance_type`, and `available` when known). `OPERATION_FAILED`: payouts are temporarily unavailable. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '403': description: >- `PLAN_LIMIT_REACHED` (Découverte monthly limit), `FORBIDDEN` (customer not active) or `ACCOUNT_SUSPENDED_NEGATIVE_BALANCE`. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '404': $ref: '#/components/responses/NotFound' '422': description: > Validation error: missing field, invalid `reference` (`details.field`), `reference` already used by another payout (`details.reference`, `details.payout_code`), quote expired or no longer open (request a new quote), or customer not verified. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' example: success: false error: code: VALIDATION_ERROR message: This reference is already used by another payout. details: reference: order-1001 payout_code: 0199e3a1-7c2b-7d40-9a51-3f6e2b8c4d10 components: schemas: CreatePayoutRequest: type: object required: - quote_code - reference properties: quote_code: type: string format: uuid description: The `quote_code` of an open quote reference: type: string minLength: 1 maxLength: 100 pattern: ^[A-Za-z0-9_\-.:/]{1,100}$ description: > Your own reference, unique per partner account (for example your order ID): 1 to 100 characters among letters, digits and `- _ . : /`. It makes the call safe to retry. example: order-1001 PayoutSuccessResponse: type: object properties: success: type: boolean example: true data: $ref: '#/components/schemas/Payout' meta: $ref: '#/components/schemas/Meta' 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' Payout: type: object properties: code: type: string format: uuid description: Payout code (same value as the `quote_code` it was created from) reference: type: string description: Your reference example: order-1001 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: - pending - processing - completed - failed - refunded description: > `pending`: accepted, balance debited, not yet sent to the bank. `processing`: sent to the bank. `completed`: credited to the beneficiary's bank. `failed`: the bank transfer could not be completed. `refunded`: the amount and the fee have been credited back to the balance that paid the payout. example: pending customer_code: type: string format: uuid beneficiary: $ref: '#/components/schemas/PayoutBeneficiarySummary' amount_usd: type: number example: 100 fee_usd: type: number example: 7 total_debited_usd: type: number description: Amount + fee, debited from the balance given by `balance_type` example: 107 received_amount: type: number nullable: true description: >- Amount sent to the beneficiary, in `received_currency` (updated if the quote was renewed when sending) 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 sent to the beneficiary (updated if the quote was renewed when sending). `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 that paid the payout: `payout_sepa` (Payout SEPA) for SEPA, `others` (Ops Others) for ACH example: payout_sepa failure_reason: type: string nullable: true description: Set when the status is `failed` or `refunded`, `null` otherwise example: null created_at: type: string format: date-time confirmed_at: type: string format: date-time nullable: true description: When you confirmed the quote with `POST /payouts` sent_at: type: string format: date-time nullable: true description: When the payout was sent to the bank completed_at: type: string format: date-time nullable: true refunded_at: type: string format: date-time nullable: true Meta: type: object properties: request_id: type: string example: a4f8e2c1b3d97056 mode: type: string enum: - test - live example: test timestamp: type: string format: date-time 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.