> ## Documentation Index
> Fetch the complete documentation index at: https://docs.commercepay.asia/llms.txt
> Use this file to discover all available pages before exploring further.

# Payout Integration

> Transfer funds to external recipients via bank account or DuitNow Proxy.

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.

## Available Payout Types

<CardGroup cols={2}>
  <Card title="Payout with Bank Account" icon="building-columns">
    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](/docs/payout-provider-channel) or retrieve them from the [Get Provider Channels endpoint](/api-reference/get-provider-channels).
  </Card>

  <Card title="Payout with DuitNow Proxy" icon="id-card">
    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](/docs/payout-provider-channel).

    <Warning>
      **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.
    </Warning>
  </Card>
</CardGroup>

## 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.

<Info>
  For more information on setting up and topping up the wallet, please contact our administrator.
</Info>

### Payout Wallet Details

You can inquire about payout information via API endpoints or verify it through the CommercePay Back-Office portal.

**API Endpoint:**

* [QueryWallets](/api-reference/payout-api-querywallets) – An API endpoint used to retrieve wallet details.
* [QueryWalletHistory](/api-reference/payout-api-querywallethistories) – An API endpoint used to retrieve wallet transaction history.

**Back-Office Portal**

<img src="https://mintcdn.com/commercepay/qXHMJq22H7Z5yPeo/images/BackOffice_WalletSection.png?fit=max&auto=format&n=qXHMJq22H7Z5yPeo&q=85&s=012927e0ea8996dbed2b3a7f11e2d6e0" alt="commercepay_banner.png" width="1893" height="907" data-path="images/BackOffice_WalletSection.png" />

You can verify the payout transaction history and wallet balance in the wallet section of the CommercePay Back-Office portal.

## Payout API Reference

<Card title="View the Payout API Reference" icon="arrow-up-right" href="/api-reference/payout-api-requestpayout" horizontal arrow="true" />