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Pay out to local bank accounts and mobile money wallets across supported African corridors. Funds debit your merchant USDC wallet at the locked FX rate. The flow is quote → confirm: you receive a signed quote token valid for 60 seconds, then submit the payout with a saved recipientId, an inline recipient, or an inline destination. The quote is scoped to corridor, amount and business — not to a recipient — so one token confirms any of the three.
The payout endpoints accept the same credentials as the rest of the API — pass your x-api-key header (or a JWT from token exchange) on every call. Payouts are fully server-to-server, at parity with the Collections API; no dashboard interaction is required.

Get a quote

Lock FX before confirming a payout.

Corridors & recipient shapes

Supported countries and required fields.

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Flow overview

  1. (Optional) Create a recipient — POST /v1/business/payouts/recipients with bank or mobile-money details, and reuse the returned recipientId on every later payout. Skip this step if you send the destination inline on confirm. The call is idempotent on the destination: sending the same rail and account details returns the existing recipient rather than creating a duplicate.
  2. Request a quote — POST /v1/business/payouts/quote with rail, corridor, and either srcAmount (USDC) or dstAmount (local currency).
  3. Confirm the payout — POST /v1/business/payouts with quoteToken, exactly one of recipientId, an inline recipient, or an inline destination, and idempotencyKey, within the 60-second window.
  4. Track status — poll GET /v1/business/payouts/{id} or subscribe to payout webhooks.
Sanctions screening is channel-dependent. Requests authenticated with x-api-key are not screened by Axra — under your merchant agreement you are the obligated party for beneficiary screening, and an inline recipient or destination is paid ad hoc rather than saved (the payout returns recipientId: null). Requests made from the Axra dashboard with a user JWT are screened, and a match is refused with 403.

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SDK quick start

Collections (inbound local rails) are documented under Local rails — server-to-server. This section covers outbound payouts only.