Discover payout requirements
Returns the fields[] a payout body must carry for a given (purpose, rail), and recipientType on a fiat rail when you know it — the top-level virtualAccountId to debit (fiat), the destination.* discriminators, and the recipient fields — plus whether a supporting document is required (and the accepted types), whether the recipient must be whitelisted/registered first (intercompany and personal_transfer_of_funds payouts), and the jurisdictions payouts are blocked to. Build a valid POST /v2/payouts body from this response. documentation.required is a baseline for the purpose alone. The answer a given customer gets can differ from it in either direction, because it also depends on that customer and on the payout itself, and the create request enforces that answer. For the customer-specific answer before you submit, send the candidate payout body to POST /v2/payouts/requirements. documentation.due does reflect your organization: due: pre_acceptance means a payout carrying no document is rejected with 422 DOCUMENTATION_REQUIRED, so collect the document before you submit; due: post_acceptance means the payout is accepted without one and a request for information asks you for the document: at once when the document is the only thing the payout waits on, otherwise when a Conduit analyst sends the request, and until then the read-back shows stage: under_review with hasRfi: false. When the request is sent, an rfi.published webhook fires, the read-back shows stage: awaiting_customer_action with hasRfi: true until you answer, and the due date counts from that moment. The payout stays held, with its amount still reserved, until your answer is reviewed, rejected only if the document you send is declined. An organization with no portal user reads due: pre_acceptance, since nobody can receive the request. (due and whitelist are purpose-invariant and match enforcement exactly.)
Authorizations
Query Parameters
Declared business purpose of the payout. Drives the documentation and whitelist requirements. A chaps query cannot declare other, gift, bill_payment, person_to_person_transfer: the CHAPS scheme carries an ISO 20022 purpose code and these name none. Use faster_payments for them.
intercompany, treasury_management, payment_for_goods_or_services, payroll, investments, other, prefunding, purchase_of_goods, rent, loan_payment, personal_transfer_of_funds, gift, bill_payment, charity, tax_payment, person_to_person_transfer Payout rail. crypto for an on-chain withdrawal; fedwire/rtp/fednow/ach/swift/sepa for fiat. Input is case-insensitive.
crypto, fedwire, rtp, fednow, ach, ach_same_day, swift, sepa, faster_payments, chaps, pix, ted, nibss, spei Whether the fiat recipient is an individual or a business. Optional for a fiat rail: without it, the response covers both types, destination.recipient.type is required, and each field that only one type requires carries requiredWhen on it. Forbidden for crypto.
individual, business Beneficiary country ISO 3166-1 alpha-2 or alpha-3 code. The rail selects the fields. The country decides whether destination.recipient.postalAddress.postalCode is required: a country that uses postal codes gets required: true, and any other country, or no country, keeps requiredWhen on postalAddress.country. chaps requires it for every country. Forbidden for crypto.
Response
The rail this answer describes, echoing the rail the query named.
crypto, fedwire, rtp, fednow, ach, ach_same_day, swift, sepa, faster_payments, chaps, pix, ted, nibss, spei The fields to send, in the same shape that fields has on the onboarding and feature requirements endpoints. pointer is an RFC 6901 JSON Pointer to the place of the value in the create request body. A field that has conditions is required only while every condition holds. fields gives the same fields in its earlier shape.
Countries this rail cannot pay to, as ISO 3166-1 alpha-3 codes. A payout whose recipient country appears here is rejected.
AFG, ALB, DZA, ASM, AND, AGO, AIA, ATA, ATG, ARG, ARM, ABW, AUS, AUT, AZE, BHS, BHR, BGD, BRB, BLR, BEL, BLZ, BEN, BMU, BTN, BOL, BES, BIH, BWA, BVT, BRA, IOT, BRN, BGR, BFA, BDI, CPV, KHM, CMR, CAN, CYM, CAF, TCD, CHL, CHN, CXR, CCK, COL, COM, COG, COD, COK, CRI, CIV, HRV, CUB, CUW, CYP, CZE, DNK, DJI, DMA, DOM, ECU, EGY, SLV, GNQ, ERI, EST, SWZ, ETH, FLK, FRO, FJI, FIN, FRA, GUF, PYF, ATF, GAB, GMB, GEO, DEU, GHA, GIB, GRC, GRL, GRD, GLP, GUM, GTM, GGY, GIN, GNB, GUY, HTI, HMD, VAT, HND, HKG, HUN, ISL, IND, IDN, IRN, IRQ, IRL, IMN, ISR, ITA, JAM, JPN, JEY, JOR, KAZ, KEN, KIR, PRK, KOR, KWT, KGZ, LAO, LVA, LBN, LSO, LBR, LBY, LIE, LTU, LUX, MAC, MDG, MWI, MYS, MDV, MLI, MLT, MHL, MTQ, MRT, MUS, MYT, MEX, FSM, MDA, MCO, MNG, MNE, MSR, MAR, MOZ, MMR, NAM, NRU, NPL, NLD, NCL, NZL, NIC, NER, NGA, NIU, NFK, MKD, MNP, NOR, OMN, PAK, PLW, PSE, PAN, PNG, PRY, PER, PHL, PCN, POL, PRT, PRI, QAT, REU, ROU, RUS, RWA, BLM, SHN, KNA, LCA, MAF, SPM, VCT, WSM, SMR, STP, SAU, SEN, SRB, SYC, SLE, SGP, SXM, SVK, SVN, SLB, SOM, ZAF, SGS, SSD, ESP, LKA, SDN, SUR, SJM, SWE, CHE, SYR, TWN, TJK, TZA, THA, TLS, TGO, TKL, TON, TTO, TUN, TUR, TKM, TCA, TUV, UGA, UKR, ARE, GBR, USA, UMI, URY, UZB, VUT, VEN, VNM, VGB, VIR, WLF, ESH, YEM, ZMB, ZWE