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Enable merchants or platforms to transfer funds to external recipients, such as bank accounts, merchants, partners, or users, through a secure and automated process. Using the Payout API, businesses can programmatically initiate fund transfers, track payout status, and manage disbursements efficiently without manual intervention.

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Available Payout Types

Payout with Bank Account

A payout method where funds are transferred directly to a recipient’s bank account. This method routes the payout through the traditional banking network. It is suitable when the recipient’s bank account details are available.Required Information:
  • Bank Code
  • Account Number
  • Account Holder Name
This method requires the “Bank Code” to be passed into the ProviderChannelId parameter when performing the payout API.You can refer to the bank codes here or retrieve them from the Get Provider Channels endpoint.

Payout with DuitNow Proxy

A payout method where funds are transferred using a DuitNow Proxy ID instead of bank account details. DuitNow Proxy allows payouts using a unique identifier linked to a bank account. This eliminates the need to provide bank account details, making the process faster and more convenient.Supported Proxy Types:
  • Mobile Number
  • National ID (NRIC)
  • Business Registration Number
This method requires the “Proxy Type” to be passed into the ProviderChannelId parameter when performing the payout API.You can refer to the Proxy Type here.
Take Note: Ensure that the provided proxy information is registered with DuitNow Proxy and linked to a valid bank account when performing payouts using this approach.

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Payout Wallet

It is a virtual wallet in the system used to hold funds and perform payouts. To initiate a payout, you are required to create a wallet and top it up with a sufficient balance.
For more information on setting up and topping up the wallet, please contact our administrator.

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Payout Wallet Details

You can inquire about payout information via API endpoints or verify it through the CommercePay Back-Office portal. API Endpoint:
  • QueryWallets – An API endpoint used to retrieve wallet details.
  • QueryWalletHistory – An API endpoint used to retrieve wallet transaction history.
Back-Office Portal commercepay_banner.png You can verify the payout transaction history and wallet balance in the wallet section of the CommercePay Back-Office portal.

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Payout API Reference

View the Payout API Reference