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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 or an inline recipient.
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. Skip this step if you pass the recipient inline on confirm. Sanctions screening runs in both cases.
  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, either recipientId or an inline recipient, and idempotencyKey, within the 60-second window.
  4. Track status — poll GET /v1/business/payouts/{id} or subscribe to payout webhooks.

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SDK quick start

npm install @useaxra/node@0.6.0

import { Axra } from '@useaxra/node';

const axra = new Axra(process.env.AXRA_SECRET_KEY!);

const quote = await axra.payouts.quote({
  rail: 'LOCAL_BANK',
  country: 'NG',
  currency: 'NGN',
  srcAmount: '100.00',
});

from axra import Axra

client = Axra(os.environ["AXRA_SECRET_KEY"])

quote = client.payouts.quote(
    rail="LOCAL_BANK",
    country="NG",
    currency="NGN",
    src_amount="100.00",
)
Collections (inbound local rails) are documented under Local rails — server-to-server. This section covers outbound payouts only.