---
title: "Initiate a payout to a reference account"
method: POST
path: "/v1/accounts/{account_id}/reference_account_payouts"
tags: ["Reference account payouts"]
---

# Initiate a payout to a reference account

`POST /v1/accounts/{account_id}/reference_account_payouts`

Initiates a payout to the reference account specified in the request payout. The specified reference account must be associated with the account specified in the request path. Payout will be executed after 2FA confirmation. This endpoint allows the payout from reference account without scoping to a person or business id. Also, this endpoint allows the use of credit line balance when set up in the partner configuration.

## Path parameters

- `account_id` string, required

## Request body

- object
  - `description` string, required — A description for the payout, which is visible ot the customer.
  - `amount` MoneyBase2, required
    - `value` integer — The amount, in Euro cents.
    - `unit` string — The unit of the given value.
    - `currency` string — The currency.
  - `reference_account_id` string, required — ID of the reference account to which the payout is directed. The reference account must be associated with the account specified in the request path.
  - `authorized_person_id` string — ID of the person who can authorise the payout
  - `reference` string — A unique reference for the payout. Used as an idempotency key.
  - `end_to_end_id` string — An end-to-end ID for the payout.
  - `use_credit` boolean — If true, the payout will use credit available to associated account when validating amount against balance. Only the following account types can use this feature: CREDITCARD_PERSONAL, CREDITCARD_BUSINESS, CREDITCARD_FREELANCER
  - `instant_payment_rail` 'sepa_instant' — The payment rail to use for an instant payout. If not specified, a regular SEPA Credit Transfer is used.

## Response `201`

Successful creation of a payout transaction.

- ReferenceAccountPayout
  - `id` string — Unique ID of the payout.
  - `reference` string — A unique reference for the payout. Used as an idempotency key.
  - `authorized_person_id` string — ID of the person who can authorise the payout
  - `status` 'ACCEPTED' | 'DECLINED' | 'EXECUTED' — Current status of the payout.
  - `end_to_end_id` string — End-to-end ID of the payout.
  - `description` string — A description for the payout.
  - `reference_account_id` string — ID of the reference account to which the payout is directed.
  - `decline_reason` string — Contains a technical code for the payout if the `status` is `DECLINED`. Check `decline_reason_details` for more information.
  - `decline_reason_details` string — Contains a detailed reason why the payout was declined if the `status` is `DECLINED`.
  - `amount` MoneyBase2
    - `value` integer — The amount, in Euro cents.
    - `unit` string — The unit of the given value.
    - `currency` string — The currency.
  - `instant_payment_rail` 'sepa_instant' — The payment rail used to make this an instant payout. If not present, the payout was done as a regular SEPA Credit Transfer.
  - `use_credit` boolean — If true, the payout will include credit available to associated account when validating amount against balance. If null, the payout was not eligible to use credit available to associated account.

## Other responses

- `202` — The request to create a payout was accepted. Customer must confirm the payout with 2FA for the payout to be executed.
- `400` — Invalid request.
- `403` — You are not authorized to perform this action.
- `404` — The requested resource could not be found.
- `500` — Internal server error.

---

[API](https://skmtc.net/solarisgroup/apis/transactions.md) · [All operations](https://skmtc.net/solarisgroup/apis/transactions/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/solarisgroup/transactions/revisions/8df83424e244/schema)