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Send payouts to customers

A payout sends money from your MONEI account to a customer — the reverse direction of a normal payment. Merchants use payouts for things like rewards and winnings, marketplace or seller disbursements, insurance , or returning funds to a customer outside of a standard refund.

note

Payouts to customers are not the same as your own settlement payouts — those are the transfers MONEI makes to your bank account from your sales. This page is about money you send out to customers.

Supported methods​

You can send payouts with:

  • Bizum — to the customer's phone number.
  • Card — to the customer's card.

Before you can send payouts​

Two things must be in place first.

Payouts must be enabled for your account​

Payouts are a gated feature and are not available by default. The Payouts API is currently in closed beta, and MONEI's risk team reviews and approves each account before payouts can be used. To request access, contact our Support Team. Payouts are not available in the test environment.

You need a prefunded balance​

Payouts are paid from a prefunded MONEI account balance, not from your incoming sales. You provide this balance upfront:

  1. Contact support to arrange a bank transfer to MONEI.
  2. Once MONEI receives your transfer, the amount is credited to your account balance.
  3. Every payout you send draws down this balance.

A minimum initial top-up is required to activate payouts — see the Payouts API guide for the current amount — and your balance must stay positive for payouts to keep working.

If your balance is too low to cover a payout, the payout is rejected with an insufficient balance error. To send more, transfer additional funds the same way.

Send a payout​

Once payouts are enabled and your balance is funded, you send a payout from your server by setting the transaction type to PAYOUT when you create a payment, choosing Bizum or card as the method. The funds are sent to the customer and deducted from your balance; a successful payout settles with a PAID_OUT status, which you can track in MONEI Dashboard → Payments.

For step-by-step instructions and code samples (Bizum and cards), see the Payouts API guide.

Common questions​

How do I add balance for payouts?​

Contact support to arrange a transfer to MONEI. Your account balance is credited once the funds are received, and payouts draw from it.

Why was my payout rejected?​

The two most common reasons are that payouts aren't enabled for your account yet (request access from support) or that your account balance is too low to cover the amount (transfer more funds).