One API for every payout.
The DiscoFi payout API: one call creates the payout, sends it instantly,* See Instant Pay disclosure retries on decline, and writes the ledger entries. One integration, instant payouts built in.
Banking services provided by FinWise Bank, Member FDIC.
The payout contract.
POST /api/payouts is the whole job: a recipient, an amount, and optionally a rail. The response carries the transfer, its status, and the fee, and the ledger legs are already written.
- Automatic rail selection and retry
- Double-entry ledger on every transfer
- Signed webhooks when money moves
POST /api/payouts
{
"recipientId": "rcp_7f2d…",
"amountCents": 240000,
"memo": "Race day crew"
}
{
"transferId": "tr_91c4…",
"status": "processing",
"fee": {
"amountCents": 120,
"basisPoints": 5
},
"activation": { "wasFirst": false }
}
Everything the dashboard does, the API does.
The reference documents the contract the platform is built against. Each area below links to its section.
Create a payout
One call with a recipient and an amount. Routing, retry and ledger entries are the platform’s job.
In the docsRecipients
Create recipients ahead of settlement; screening runs before the first dollar moves.
In the docsFund your balance
Move settlement float in over ACH or request it over RTP Request for Payment.
In the docsPayout lifecycle
Every status a transfer passes through, from created to paid, with the decline paths documented.
In the docsWebhooks
Signed webhooks tell your system the moment a payment link is received, a payout settles or returns, or a deposit lands.
In the docsErrors & declines
What a decline looks like, what retries automatically, and what comes back to you.
In the docsPay by link
Pay someone once without collecting bank details: they open a secure link and connect their own bank.
In the docsActivity & balance
Query activity and balances with the same records the ledger reconciles against.
In the docsAuthentication
Bearer keys over HTTPS, scoped to your account.
In the docsFour rails, one call.
You never pick a rail unless you want to. The platform routes each payout over the fastest one its recipient’s bank accepts.
RTP
Real-time payments to banks on The Clearing House network.
typically ≤60s* See Instant Pay disclosureFedNow
The Federal Reserve’s instant rail, for banks that joined it.
typically ≤60s* See Instant Pay disclosureVisa Direct
Push-to-card when the fastest thing the recipient has is a debit card.
typically ≤60s* See Instant Pay disclosureACH
The universal fallback every U.S. bank account accepts.
standard ACH timelines* See Instant Pay disclosureAccess starts with a conversation.
The API is in preview, and the reference is the contract the platform is being built against. Book a demo: we will run a settlement end to end in the product, and set your integration up against the same contract.