> For the complete documentation index, see [llms.txt](https://docs.intram.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.intram.org/merchant-api-v1/payouts.md).

# Payouts (reversements)

Initie un payout (reversement). Renvoie immédiatement `202` avec un `operation_id` ; le résultat final arrive par [webhook](/merchant-api-v1/webhooks.md) ou peut être pollé via `GET /operations/:id`.

## Comportement

| Destination    | Flow                                                                                                                                        |
| -------------- | ------------------------------------------------------------------------------------------------------------------------------------------- |
| `mobile_money` | Le wallet est débité, le provider est appelé. Si succès → webhook `payout.completed`. Si rejet → wallet recrédité, webhook `payout.failed`. |
| `bank_account` | Le wallet est débité, un Reversement est créé en `queued_for_settlement`, traité ensuite par le back-office. Webhook `payout.queued`.       |

## Requête

```http
POST /v1/payouts
X-Api-Key: …
X-Timestamp: …
X-Signature: …
Idempotency-Key: po-2026-0001-attempt-1
Content-Type: application/json
```

### Body — Mobile Money

```json
{
  "amount": 25000,
  "currency": "XOF",
  "destination": {
    "type": "mobile_money",
    "country_code": "BJ",
    "provider_code": "MTN_BENIN_229",
    "msisdn": "22961234567",
    "account_name": "Ada",
    "account_surname": "Lovelace"
  },
  "reference": "PO-2026-0001",
  "note": "Settlement hebdomadaire",
  "metadata": { "batch_id": "B-42" }
}
```

### Body — Bank wire

```json
{
  "amount": 500000,
  "currency": "XOF",
  "destination": {
    "type": "bank_account",
    "swift": "ECOCBJBJ",
    "account_number": "BJ06...",
    "account_name": "Ada Lovelace"
  },
  "reference": "PO-2026-WIRE-001"
}
```

## Validation des champs

| Champ                         |  Obligatoire  | Règles                                                          |
| ----------------------------- | :-----------: | --------------------------------------------------------------- |
| `amount`                      |       ✓       | Number > 0                                                      |
| `currency`                    |   optionnel   | Code ISO 3 lettres (`XOF`, `EUR`…)                              |
| `destination.type`            |       ✓       | `mobile_money` ou `bank_account`                                |
| `destination.country_code`    | mobile\_money | 2 lettres ISO, défaut `BJ`                                      |
| `destination.provider_code`   | mobile\_money | Ex : `MTN_BENIN_229`, `MOOV_AFRICA_BENIN_229`, `SBIN_BENIN_229` |
| `destination.msisdn`          | mobile\_money | Numéro international sans `+`                                   |
| `destination.account_number`  | bank\_account | Format bancaire local ou IBAN                                   |
| `destination.swift`           | bank\_account | Code SWIFT/BIC                                                  |
| `destination.account_name`    |   optionnel   | Prénom du bénéficiaire                                          |
| `destination.account_surname` |   optionnel   | Nom du bénéficiaire                                             |
| `reference`                   |   optionnel   | Référence interne, max 100 chars                                |
| `note`                        |   optionnel   | Texte libre, max 500 chars                                      |
| `metadata`                    |   optionnel   | Object libre transmis dans le webhook                           |

## Réponse `202 Accepted`

```json
{
  "error": false,
  "http_status": 202,
  "data": {
    "operation_id": "op_2f4a8b1c…",
    "type": "payout",
    "status": "queued",
    "env": "live",
    "payload": { /* le body que vous avez envoyé */ },
    "date": "2026-05-20T10:30:00.000Z",
    "_links": { "self": "/api/v1/merchant/operations/op_2f4a8b1c…" }
  }
}
```

## Résultat final (via webhook ou polling)

Quand l'opération est terminée, `op.result` ressemble à :

```json
{
  "reference": "PO-2026-0001",
  "amount": 25000,
  "currency": "XOF",
  "destination": { "type": "mobile_money", "msisdn": "22961234567" },
  "status": "completed",
  "provider_response": {
    "responsecode": "00",
    "responsemsg": "Success",
    "serviceref": "MTN987654321"
  }
}
```

## Événements webhook émis

| Événement          | Quand                                                  |
| ------------------ | ------------------------------------------------------ |
| `payout.completed` | Mobile money settled avec succès                       |
| `payout.queued`    | Bank wire accepté pour traitement back-office          |
| `payout.failed`    | Provider a rejeté, solde insuffisant, ou erreur réseau |

## Erreurs

| Code                    |     HTTP     | Cas                                                   |
| ----------------------- | :----------: | ----------------------------------------------------- |
| `validation_error`      |      400     | `amount`, `destination.type`, etc. invalides          |
| `insufficient_balance`  | 200 (worker) | Solde marchand < montant demandé                      |
| `provider_rejected`     | 200 (worker) | Le provider MoMo a refusé — wallet recrédité          |
| `provider_unavailable`  | 200 (worker) | Aucun handler pour ce `country_code`/`provider_code`  |
| `missing_provider_code` | 200 (worker) | `destination.provider_code` absent pour mobile\_money |

## Voir aussi

* [Statut d'une opération](/merchant-api-v1/operations.md)
* [Webhooks](/merchant-api-v1/webhooks.md) pour la livraison push du résultat
* [Idempotency](/merchant-api-v1/idempotency.md) — comment retenter sûrement un payout


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