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

# Payout

> Enable your customer transfer funds to any nigerian financial institution.

<Info>
  ### Payout Base URL

  The base URL for all payout API requests on the staging environment is:

  ```http theme={null}
  https://payout-staging.embedly.ng/
  ```

  The base URL for all payout API requests on the production environment is:

  ```http theme={null}
  https://payout-prod.embedly.ng/
  ```
</Info>

## Overview

Our Payout APIs allow you to seamlessly transfer funds out of your ecosystem to accounts across financial institutions directly from your platform. Whether you're sending loan disbursements, vendor payments, salary payouts, or refunds, our APIs support secure and efficient transfers—including interbank, intra-bank. With real-time processing, and transaction status tracking, you can automate and scale your payout operations while delivering a smooth, reliable experience to your end users.

## How Does It Work?

<ol>
  <li>
    Initiating a Transfer Request: To start a transfer, you need to specify the
    account you want to send money from, the account you want to send money to,
    and the amount you wish to transfer. You can also add a short note to
    explain the reason for the transfer.
  </li>

  <Info>
    Account numbers for wallets can be retrieved using the get wallet details
    endpoint. However to reduce the amount of api calls you need to make, you
    should store the account number for each wallet once the wallet is
    successfully created.
  </Info>

  <li>
    Checking Transfer Status: After a transaction has been successfully
    initiated, you can check to see if it's been completed. The status will let
    you know if the transfer is still processing, if it's been processed
    successfully, or if there was an issue.
  </li>
</ol>

## Common Questions

<ul>
  <li>
    **How Much Can I Transfer?** The amount you can transfer depends on your
    daily limit per the customer's kyc tier
  </li>

  <li>
    **How Long Does It Take?** Transfers within the same bank are typically
    processed instantly, while interbank transfers usually take at least an
    hour.
  </li>
</ul>

## Tips for Using the Service

* Keep Track of Your Transfers: Always note the transaction
  ID you receive after initiating a transfer. It helps in tracking and confirming your
  transaction.
* Double-Check Details: Before you confirm a transfer, make sure all the
  details, like account numbers and amounts, are correct to avoid errors.
* Understand Your Limits: Be aware of any daily limits on how much you can transfer.