Embedded Payments

Payout to a third parties

As a platform, you can make a payout to any external third-party or make a payout from your client's Limited account to third parties on your client's behalf. For example, as a Software as a Service (SaaS) platform, you can pay invoices raised by your third-party core infrastructure and cloud services vendors from your Transaction account. If you are a marketplace platform and your client on your platform uses a cleaning service as part of the offering on your platform, you can pay the cleaners' invoice directly from your client's LIMITED_DDA_PAYMENTS.

These external third parties can be registered or unregistered with us. The account type determines whether you can register or unregister a payee. If your payee is registered, use the recipient ID as the creditor account. For more information, see Add and update an external party as a recipient. If your payee is unregistered, provide all required details at the time of payment. For more details, see Link your client's external bank account.

Required details at the time of payment
Account type	Registered payee allowed	Unregistered payee allowed	Methods of payments allowed
TRANSACTION_ACCOUNT	No	Yes	ACH, RTP, WIRE, FX ACH, FX WIRE, P2C
LIMITED_DDA_PAYMENT	Yes	Yes	ACH, RTP, WIRE, FX ACH, FX WIRE, P2C
PROCESSING	Yes	Yes	ACH, RTP, WIRE
MANAGEMENT	Yes	Yes	ACH, RTP, WIRE

How to make a payout to a registered payee

Use GET /accounts/{id}/balances to check your client's Embedded Payments account balance.
Add third-party payee as a recipient. Send a POST /recipients request and set the recipient type to "RECIPIENT". For more information, see Add and update an external party as a recipient.
Use POST /transactions and include the recipientId of the intended payee to make a payout.
Subscribe to notifications to track payout progress. For more information, see Notifications.

Sample request:

Json

{
  "transactionReferenceId": "8fb17d2de4654a169e4a2d75510cb4a5",
  "type": "RTP",
  "memo": "Memo for Transaction AUD",
  "currency": "USD",
  "amount": "9.99",
  "debtor": {
    "account": {
      "type": "REGISTERED_ACCOUNT",
      "registeredAccount": {
        "id": "e4576df0c68646608507fe92da1262e3"
      }
    }
  },
  "creditor": {
    "id": "6cf293c0-9355-4706-9d83-d1aaeec785e6"
  }
}
}

Sample response:

Json

{
  "id": "LCYcazECFZSSbD",
  "transactionReferenceId": "8fb17d2de4654a169e4a2d75510cb4a5",
  "requestedExecutionDate": "2025-12-31"
}

How to make a payout to an unregistered payee

Use GET /accounts/{id}/balances to check your client's Embedded Payments account balance.
Use POST /transactions and include the payee and payment instrument or account details in the request.
Subscribe to notifications to track payout progress. For more information, see Notifications.

Sample request:

Json

{
  "transactionReferenceId": "2ce3275d671047baa10b015f3758900",
  "type": "WIRE",
  "memo": "Memo for Transaction AUD",
  "currency": "USD",
  "amount": "9.99",
  "debtor": {
    "account": {
      "type": "REGISTERED_ACCOUNT",
      "registeredAccount": {
        "id": "e4576df0c68646608507fe92da1262e3"
      }
    }
  },
  "creditor": {
    "partyDetails": {
      "type": "INDIVIDUAL",
      "firstName": "Ivan",
      "lastName": "Petrov",
      "businessName": "Trading Kft.",
      "address": {
        "type": "BUSINESS_ADDRESS",
        "buildingNumber": "Suite 12B",
        "streetName": "90 Bedford Street",
        "city": "New York",
        "country": "US",
        "countrySubDivision": "NY",
        "postalCode": "10014"
      }
    },
    "account": {
      "type": "CHECKING",
      "externalAccount": {
        "number": "12345678",
        "bankName": "Test Bank",
        "branchCode": "825",
        "routingInformation": [
          {
            "routingNumber": "CHASAU2XXXX",
            "transactionType": "WIRE",
            "routingCodeType": "BIC"
          }
        ],
        "currency": "AUD",
        "country": "AU"
      }
    }
  }
}

Sample response:

Json

{
  "id": "LYcazECFZppbD",
  "transactionReferenceId": "2ce3275d671047baa10b015f3758900",
  "requestedExecutionDate": "2025-12-31"
}