---
title: "Payout to a user via Coinflow Wallet"
method: POST
path: "/merchant/withdraws/payout/delegated"
tags: ["merchant"]
---

# Payout to a user via Coinflow Wallet

`POST /merchant/withdraws/payout/delegated`

Payout a user from the coinflow wallet balance.
By default, this endpoint waits for transaction confirmation before returning.
Set waitForConfirmation to false to return immediately after queuing the transaction.

## Headers

- `Authorization` string, required

## Request body

- PayoutDelegatedArgs — From T, pick a set of properties whose keys are in the union K
  - `speed` 'asap' | 'same_day' | 'standard' | 'card' | 'iban' | 'pix' | 'eft' | 'venmo' | 'paypal' | 'wire' | 'interac' | 'swift', required
  - `account` string, required — The debit card, bank or Iban pci-compliant token
  - `userId` string, required — The Merchant generated userId for the user.
  - `waitForConfirmation` boolean — If true (default), the API will wait for transaction confirmation before returning. If false, the transaction will be queued for processing and the API will return immediately with just the signature.
  - `idempotencyKey` string, required — Client generates an idempotency key, which is a unique key that the server uses to recognize subsequent retries of the same request. How you create unique keys is up to you, but we suggest using V4 UUIDs, or another random string with enough entropy to avoid collisions.
  - `amount` PayoutDelegatedArgsAmount, required
    - `cents` integer, required
    - `currency` 'USD' | 'AED' | 'AFN' | 'ALL' | 'AMD' | 'ANG' | 'AOA' | 'ARS' | 'AUD' | 'AWG' | 'AZN' | 'BAM' | 'BBD' | 'BDT' | 'BGN' | 'BHD' | 'BIF' | 'BMD' | 'BND' | 'BOB' | 'BRL' | 'BSD' | 'BTN' | 'BWP' | 'BYN' | 'BZD' | 'CAD' | 'CHF' | 'CLF' | 'CLP' | 'CNY' | 'COP' | 'CRC' | 'CUP' | 'CVE' | 'CZK' | 'DJF' | 'DKK' | 'DOP' | 'DZD' | 'EGP' | 'ETB' | 'EUR' | 'FJD' | 'GBP' | 'GEL' | 'GHS' | 'GMD' | 'GNF' | 'GTQ' | 'GYD' | 'HKD' | 'HNL' | 'HTG' | 'HUF' | 'IDR' | 'ILS' | 'INR' | 'IQD' | 'IRR' | 'ISK' | 'JMD' | 'JOD' | 'JPY' | 'KES' | 'KGS' | 'KHR' | 'KMF' | 'KRW' | 'KWD' | 'KYD' | 'KZT' | 'LAK' | 'LBP' | 'LKR' | 'LRD' | 'LSL' | 'LYD' | 'MAD' | 'MDL' | 'MGA' | 'MKD' | 'MMK' | 'MNT' | 'MOP' | 'MRU' | 'MUR' | 'MWK' | 'MVR' | 'MXN' | 'MYR' | 'MZN' | 'NAD' | 'NGN' | 'NIO' | 'NOK' | 'NPR' | 'NZD' | 'OMR' | 'PAB' | 'PEN' | 'PGK' | 'PHP' | 'PKR' | 'PLN' | 'PYG' | 'QAR' | 'RON' | 'RSD' | 'RWF' | 'SAR' | 'SCR' | 'SDG' | 'SEK' | 'SGD' | 'SLE' | 'SLL' | 'SOS' | 'SRD' | 'STN' | 'SVC' | 'SYP' | 'SZL' | 'THB' | 'TJS' | 'TMT' | 'TND' | 'TOP' | 'TRY' | 'TTD' | 'TWD' | 'TZS' | 'UAH' | 'UGX' | 'UYU' | 'UZS' | 'VND' | 'VUV' | 'WST' | 'XAF' | 'XCD' | 'XOF' | 'XPF' | 'YER' | 'ZAR' | 'ZMW' | 'ZWL' | 'CDF' | 'ERN' | 'FKP' | 'KPW' | 'RUB' | 'SBD' | 'SHP' | 'SSP' | 'VES'

## Response `200`

Ok

- DelegatedPayoutResponse
  - `signature` string
  - `effectiveSpeed` 'asap' | 'same_day' | 'standard' | 'card' | 'iban' | 'pix' | 'eft' | 'venmo' | 'paypal' | 'wire' | 'interac' | 'swift', required

## Other responses

- `402` — Insufficient Funds
- `451` — User Must Complete Additional Verification
- `503` — Payout encountered a temporary issue and needs to be retried, please immediately retry the request.

---

[API](https://skmtc.net/coinflow/apis/api-reference.md) · [All operations](https://skmtc.net/coinflow/apis/api-reference/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/coinflow/api-reference/versions/3f6a046fbb34/schema)