/api/v1/payouts/sendPayoutRequest

Create a payout

curl --request POST \
  --url https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <api-key>' \
  --header 'x-signature: <x-signature>' \
  --header 'x-timestamp: <x-timestamp>' \
  --data '
{
  "idempotency_key": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "source_amount": "250.00",
  "source_currency": "USDT",
  "purpose_of_payment": "<string>",
  "source_of_funds": "<string>",
  "beneficiary_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "country_code": "NG",
  "currency_code": "NGN",
  "payment_method": "bank_local",
  "payment_network": "<string>",
  "recipient_details": {}
}
'

import requests

url = "https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest"

payload = {
    "idempotency_key": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "source_amount": "250.00",
    "source_currency": "USDT",
    "purpose_of_payment": "<string>",
    "source_of_funds": "<string>",
    "beneficiary_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "country_code": "NG",
    "currency_code": "NGN",
    "payment_method": "bank_local",
    "payment_network": "<string>",
    "recipient_details": {}
}
headers = {
    "x-timestamp": "<x-timestamp>",
    "x-signature": "<x-signature>",
    "x-api-key": "<api-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'x-timestamp': '<x-timestamp>',
    'x-signature': '<x-signature>',
    'x-api-key': '<api-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    idempotency_key: '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    source_amount: '250.00',
    source_currency: 'USDT',
    purpose_of_payment: '<string>',
    source_of_funds: '<string>',
    beneficiary_id: '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    country_code: 'NG',
    currency_code: 'NGN',
    payment_method: 'bank_local',
    payment_network: '<string>',
    recipient_details: {}
  })
};

fetch('https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'idempotency_key' => '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    'source_amount' => '250.00',
    'source_currency' => 'USDT',
    'purpose_of_payment' => '<string>',
    'source_of_funds' => '<string>',
    'beneficiary_id' => '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    'country_code' => 'NG',
    'currency_code' => 'NGN',
    'payment_method' => 'bank_local',
    'payment_network' => '<string>',
    'recipient_details' => [
        
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "x-api-key: <api-key>",
    "x-signature: <x-signature>",
    "x-timestamp: <x-timestamp>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest"

	payload := strings.NewReader("{\n  \"idempotency_key\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"source_amount\": \"250.00\",\n  \"source_currency\": \"USDT\",\n  \"purpose_of_payment\": \"<string>\",\n  \"source_of_funds\": \"<string>\",\n  \"beneficiary_id\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"country_code\": \"NG\",\n  \"currency_code\": \"NGN\",\n  \"payment_method\": \"bank_local\",\n  \"payment_network\": \"<string>\",\n  \"recipient_details\": {}\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-timestamp", "<x-timestamp>")
	req.Header.Add("x-signature", "<x-signature>")
	req.Header.Add("x-api-key", "<api-key>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest")
  .header("x-timestamp", "<x-timestamp>")
  .header("x-signature", "<x-signature>")
  .header("x-api-key", "<api-key>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"idempotency_key\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"source_amount\": \"250.00\",\n  \"source_currency\": \"USDT\",\n  \"purpose_of_payment\": \"<string>\",\n  \"source_of_funds\": \"<string>\",\n  \"beneficiary_id\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"country_code\": \"NG\",\n  \"currency_code\": \"NGN\",\n  \"payment_method\": \"bank_local\",\n  \"payment_network\": \"<string>\",\n  \"recipient_details\": {}\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-timestamp"] = '<x-timestamp>'
request["x-signature"] = '<x-signature>'
request["x-api-key"] = '<api-key>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"idempotency_key\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"source_amount\": \"250.00\",\n  \"source_currency\": \"USDT\",\n  \"purpose_of_payment\": \"<string>\",\n  \"source_of_funds\": \"<string>\",\n  \"beneficiary_id\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"country_code\": \"NG\",\n  \"currency_code\": \"NGN\",\n  \"payment_method\": \"bank_local\",\n  \"payment_network\": \"<string>\",\n  \"recipient_details\": {}\n}"

response = http.request(request)
puts response.read_body

{
  "ok": true,
  "data": {
    "transaction_id": "029b2038-6166-4bea-80a9-f1a2425a85eb",
    "status": "pending"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

POST

api

payouts

sendPayoutRequest

Create a payout

curl --request POST \
  --url https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <api-key>' \
  --header 'x-signature: <x-signature>' \
  --header 'x-timestamp: <x-timestamp>' \
  --data '
{
  "idempotency_key": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "source_amount": "250.00",
  "source_currency": "USDT",
  "purpose_of_payment": "<string>",
  "source_of_funds": "<string>",
  "beneficiary_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "country_code": "NG",
  "currency_code": "NGN",
  "payment_method": "bank_local",
  "payment_network": "<string>",
  "recipient_details": {}
}
'

import requests

url = "https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest"

payload = {
    "idempotency_key": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "source_amount": "250.00",
    "source_currency": "USDT",
    "purpose_of_payment": "<string>",
    "source_of_funds": "<string>",
    "beneficiary_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "country_code": "NG",
    "currency_code": "NGN",
    "payment_method": "bank_local",
    "payment_network": "<string>",
    "recipient_details": {}
}
headers = {
    "x-timestamp": "<x-timestamp>",
    "x-signature": "<x-signature>",
    "x-api-key": "<api-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'x-timestamp': '<x-timestamp>',
    'x-signature': '<x-signature>',
    'x-api-key': '<api-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    idempotency_key: '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    source_amount: '250.00',
    source_currency: 'USDT',
    purpose_of_payment: '<string>',
    source_of_funds: '<string>',
    beneficiary_id: '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    country_code: 'NG',
    currency_code: 'NGN',
    payment_method: 'bank_local',
    payment_network: '<string>',
    recipient_details: {}
  })
};

fetch('https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'idempotency_key' => '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    'source_amount' => '250.00',
    'source_currency' => 'USDT',
    'purpose_of_payment' => '<string>',
    'source_of_funds' => '<string>',
    'beneficiary_id' => '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    'country_code' => 'NG',
    'currency_code' => 'NGN',
    'payment_method' => 'bank_local',
    'payment_network' => '<string>',
    'recipient_details' => [
        
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "x-api-key: <api-key>",
    "x-signature: <x-signature>",
    "x-timestamp: <x-timestamp>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest"

	payload := strings.NewReader("{\n  \"idempotency_key\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"source_amount\": \"250.00\",\n  \"source_currency\": \"USDT\",\n  \"purpose_of_payment\": \"<string>\",\n  \"source_of_funds\": \"<string>\",\n  \"beneficiary_id\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"country_code\": \"NG\",\n  \"currency_code\": \"NGN\",\n  \"payment_method\": \"bank_local\",\n  \"payment_network\": \"<string>\",\n  \"recipient_details\": {}\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-timestamp", "<x-timestamp>")
	req.Header.Add("x-signature", "<x-signature>")
	req.Header.Add("x-api-key", "<api-key>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest")
  .header("x-timestamp", "<x-timestamp>")
  .header("x-signature", "<x-signature>")
  .header("x-api-key", "<api-key>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"idempotency_key\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"source_amount\": \"250.00\",\n  \"source_currency\": \"USDT\",\n  \"purpose_of_payment\": \"<string>\",\n  \"source_of_funds\": \"<string>\",\n  \"beneficiary_id\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"country_code\": \"NG\",\n  \"currency_code\": \"NGN\",\n  \"payment_method\": \"bank_local\",\n  \"payment_network\": \"<string>\",\n  \"recipient_details\": {}\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-timestamp"] = '<x-timestamp>'
request["x-signature"] = '<x-signature>'
request["x-api-key"] = '<api-key>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"idempotency_key\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"source_amount\": \"250.00\",\n  \"source_currency\": \"USDT\",\n  \"purpose_of_payment\": \"<string>\",\n  \"source_of_funds\": \"<string>\",\n  \"beneficiary_id\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"country_code\": \"NG\",\n  \"currency_code\": \"NGN\",\n  \"payment_method\": \"bank_local\",\n  \"payment_network\": \"<string>\",\n  \"recipient_details\": {}\n}"

response = http.request(request)
puts response.read_body

{
  "ok": true,
  "data": {
    "transaction_id": "029b2038-6166-4bea-80a9-f1a2425a85eb",
    "status": "pending"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

{
  "ok": false,
  "request_id": "8c1f4b2a-9d3e-4a71-b6c8-5e2f0a7d1934",
  "error": {
    "code": "insufficient_funds",
    "message": "Insufficient available balance. Available: 5.00 USDT"
  }
}

The fields above are what you encrypt, not what goes on the wire. The body is always { "data": "<aes-256-gcm ciphertext>" } — see Authentication.

The recipient is identified one of two ways, never both: pass beneficiary_id for a saved recipient, or the full corridor plus recipient_details inline. Sending both is a validation error, not a merge.

Example request

All examples assume you’ve already encrypted the body and signed the request — see the Quickstart for the full helper in Node and Python.

import { randomUUID } from 'node:crypto'

const payout = await call(
  '/api/v1/payouts/sendPayoutRequest',
  {
    idempotency_key: randomUUID(),
    country_code: 'IN',
    currency_code: 'INR',
    payment_method: 'imps',
    source_amount: '10.00',
    source_currency: 'USDT',
    recipient_details: {
      name: 'Jane Doe',
      account_number: '123456789012',
      ifsc: 'BANK0000001',
      customer_email: 'recipient@example.com',
      customer_phone: '+919999999999',
    },
  },
  jwt,
)

import uuid

status, body = call('/api/v1/payouts/sendPayoutRequest', {
    'idempotency_key': str(uuid.uuid4()),
    'country_code': 'IN',
    'currency_code': 'INR',
    'payment_method': 'imps',
    'source_amount': '10.00',
    'source_currency': 'USDT',
    'recipient_details': {
        'name': 'Jane Doe',
        'account_number': '123456789012',
        'ifsc': 'BANK0000001',
        'customer_email': 'recipient@example.com',
        'customer_phone': '+919999999999',
    },
}, jwt)

curl -X POST "https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest" \
  -H "content-type: application/json" \
  -H "x-api-key: YOUR_API_KEY" \
  -H "x-timestamp: 1748023400" \
  -H "x-signature: 2f8a9b…" \
  -H "authorization: Bearer eyJhbGciOi…" \
  -d '{"data":"<encrypted blob>"}'

req, _ := http.NewRequest("POST",
  "https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest",
  strings.NewReader(`{"data":"`+encryptedBody+`"}`))
req.Header.Set("content-type", "application/json")
req.Header.Set("x-api-key", apiKey)
req.Header.Set("x-timestamp", timestamp)
req.Header.Set("x-signature", signature)
req.Header.Set("authorization", "Bearer "+jwt)
res, _ := http.DefaultClient.Do(req)

HttpRequest req = HttpRequest.newBuilder()
  .uri(URI.create("https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest"))
  .header("content-type", "application/json")
  .header("x-api-key", apiKey)
  .header("x-timestamp", timestamp)
  .header("x-signature", signature)
  .header("authorization", "Bearer " + jwt)
  .POST(HttpRequest.BodyPublishers.ofString("{\"data\":\"" + encryptedBody + "\"}"))
  .build();
HttpResponse<String> res = HttpClient.newHttpClient().send(req, BodyHandlers.ofString());

val req = Request.Builder()
  .url("https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest")
  .post("""{"data":"$encryptedBody"}""".toRequestBody("application/json".toMediaType()))
  .addHeader("x-api-key", apiKey)
  .addHeader("x-timestamp", timestamp)
  .addHeader("x-signature", signature)
  .addHeader("authorization", "Bearer $jwt")
  .build()
val res = OkHttpClient().newCall(req).execute()

$ch = curl_init('https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest');
curl_setopt_array($ch, [
  CURLOPT_POST => true,
  CURLOPT_HTTPHEADER => [
    'content-type: application/json',
    "x-api-key: $apiKey",
    "x-timestamp: $timestamp",
    "x-signature: $signature",
    "authorization: Bearer $jwt",
  ],
  CURLOPT_POSTFIELDS => json_encode(['data' => $encryptedBody]),
  CURLOPT_RETURNTRANSFER => true,
]);
$res = curl_exec($ch);

uri = URI('https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest')
req = Net::HTTP::Post.new(uri, {
  'content-type' => 'application/json',
  'x-api-key' => api_key,
  'x-timestamp' => timestamp,
  'x-signature' => signature,
  'authorization' => "Bearer #{jwt}",
})
req.body = { data: encrypted_body }.to_json
res = Net::HTTP.start(uri.hostname, uri.port, use_ssl: true) { |http| http.request(req) }

var req = new HttpRequestMessage(HttpMethod.Post,
  "https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest");
req.Headers.Add("x-api-key", apiKey);
req.Headers.Add("x-timestamp", timestamp);
req.Headers.Add("x-signature", signature);
req.Headers.Add("authorization", $"Bearer {jwt}");
req.Content = new StringContent($"{{\"data\":\"{encryptedBody}\"}}",
  Encoding.UTF8, "application/json");
var res = await new HttpClient().SendAsync(req);

var req = URLRequest(url: URL(string: "https://api.pontisglobe.com/api/v1/payouts/sendPayoutRequest")!)
req.httpMethod = "POST"
req.setValue("application/json", forHTTPHeaderField: "content-type")
req.setValue(apiKey, forHTTPHeaderField: "x-api-key")
req.setValue(timestamp, forHTTPHeaderField: "x-timestamp")
req.setValue(signature, forHTTPHeaderField: "x-signature")
req.setValue("Bearer \(jwt)", forHTTPHeaderField: "authorization")
req.httpBody = #"{"data":"\#(encryptedBody)"}"#.data(using: .utf8)
let (data, _) = try await URLSession.shared.data(for: req)

Recipient details

The shape of recipient_details depends on payment_method. Every method requires name (the recipient’s full name, max 200 chars). Additional fields per method are listed below.

`imps` / `rtgs` / `neft` — India bank transfer (INR)

For payment_method: "imps", send the following inside recipient_details. The API picks the underlying rail (IMPS, RTGS, or NEFT) automatically based on the amount and bank availability.

Field	Type	Required	Notes
`name`	string (max 200)	yes	Recipient’s full name as on the bank account
`account_number`	string	yes	9–18 digits
`ifsc`	string	yes	11-char IFSC — uppercase; format `AAAA0BBBBBB` (e.g. `BANK0000001`)
`customer_email`	string	yes	Valid email address
`customer_phone`	string	yes	E.164 format (e.g. `+919999999999`)
`bank_name`	string	no	Free text, max 120 chars

Decrypted request body:

{
  "idempotency_key": "f0e9d8c7-b6a5-4321-9876-0123456789ab",
  "country_code": "IN",
  "currency_code": "INR",
  "payment_method": "imps",
  "source_amount": "100.00",
  "source_currency": "USDT",
  "recipient_details": {
    "name": "Jane Doe",
    "account_number": "123456789012",
    "ifsc": "BANK0000001",
    "customer_email": "recipient@example.com",
    "customer_phone": "+919999999999"
  }
}

If any required field is missing or malformed, the API responds with HTTP 400 and a structured validation_error pointing at the offending field — for example:

{
  "ok": false,
  "error": {
    "code": "validation_error",
    "message": "'recipient_details.customer_email' is required"
  }
}

Reading the outcome

pending_approval is not a failure. It means the amount exceeds your auto-approval limit and a human on your account has to release it. The payout proceeds normally once they do. A 422 means a business rule refused the payout, and the code tells you which:

Code	When
`insufficient_funds`	Wallet balance is too low
`daily_limit_exceeded`	Today’s volume would exceed your daily cap
`monthly_limit_exceeded`	This month’s volume would exceed your monthly cap
`fee_exceeds_amount`	The fee exceeds the send amount — try a larger amount
`rate_moved`	Exchange rate moved more than 0.5% since the quote was issued — retry
`screening_failed`	Recipient failed sanctions screening

Of these, only rate_moved is worth retrying automatically. The rest need something to change first. A 404 is no_route — that country/currency/method combination is not enabled on your account. Full code list in Errors.

Sandbox tip

In sandbox, the trailing cents of source_amount decide the eventual status — see Sandbox.

Authorizations

x-api-key

string

header

required

Identifies your account. Issued from Developer Tools in the dashboard.

Authorization

string

header

required

Short-lived token from /api/v1/user/login, bound to your account and mode. Expires in 900 seconds.

Headers

x-timestamp

integer<int64>

required

Unix epoch in seconds — not milliseconds. Must be within ±5 minutes of our clock, which is what makes a captured request unusable later. Keep your client's clock NTP-synced.

Example:

1748023400

x-signature

string

required

HMAC-SHA256 over the signing string, hex encoded. The timestamp is part of what is signed, so a replayed body cannot be re-dated. See https://docs.pontisglobe.com/authentication for how it is built.

Example:

"2f8a9b4c1d7e0a3f6b8c2d5e9f1a4b7c0d3e6f9a2b5c8d1e4f7a0b3c6d9e2f5a"

Body

application/json

idempotency_key

string<uuid>

required

source_amount

string

required

A positive decimal string. Never send a float — precision is the whole point, and a JSON number cannot hold these exactly.

Pattern: ^\d+(\.\d+)?$

Example:

"250.00"

source_currency

string

default:USDT

Send this explicitly rather than relying on the default. The supported set grows; code written against it keeps working.

Required string length: 2 - 8

purpose_of_payment

string

Maximum string length: 200

source_of_funds

string

Maximum string length: 200

beneficiary_id

string<uuid>

Beneficiary mode. Mutually exclusive with the fields below.

country_code

string

Required string length: 2

Example:

"NG"

currency_code

string

Required string length: 2 - 8

Example:

"NGN"

payment_method

string

Required string length: 1 - 32

Example:

"bank_local"

payment_network

string

Maximum string length: 32

recipient_details

object

Per-corridor fields, plus name. Required fields vary by corridor — do not assume a fixed recipient shape.

Response

Payout accepted.

enum<boolean>

Available options:

true

data

object

Show child attributes

​Example request

​Recipient details

​imps / rtgs / neft — India bank transfer (INR)

​Reading the outcome

​Sandbox tip

Authorizations

Headers

Body

Response

Example request

Recipient details

`imps` / `rtgs` / `neft` — India bank transfer (INR)

Reading the outcome

Sandbox tip