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latestOpenAPI 3.1.02026-08-143874115.7 MB
Payouts

Create Saved Payout Method

Saves a new place an account or user can withdraw to. Sensitive details are vaulted in transit and never stored raw.

post/payouts/methods

Headers

Idempotency-Keystring
Example:d9105228-4a08-46b1-8b91-42fed586d383

A unique key that makes this request safe to retry. See Idempotent requests.

Request body

account_idstring

The account to add the payout method for, prefixed biz_. Provide this or user_id.

destination_currencystring

Currency the supported payout method delivers payouts in.

fieldsobject

The supported payout method's required field values, keyed by field id — list them with GET /payouts/supported_methods?supported_payout_method_id=.... A Basis Theory token id may be passed in place of a raw value. For a U.S. bank routing-number field, a raw nine-digit value must also pass the ABA checksum. A validation failure returns the method's full required_fields schema alongside the error. Required whenever the account details are supplied directly.

is_defaultboolean

Whether to make this the account's default payout method.

nicknamestring

A label for the payout method, unique per destination.

supported_payout_method_idstring required

The supported payout method to save (a podst_ identifier from a previous listing).

user_idstring

The user to add the payout method for, prefixed user_. Provide this or account_id.

Example request

{
  "account_id": "biz_xxxxxxxxxxxxxx",
  "destination_currency": "usd",
  "fields": {
    "attr_account": "8825310472",
    "attr_type": "Checking"
  },
  "is_default": true,
  "nickname": "Personal checking",
  "supported_payout_method_id": "podst_xxxxxxxxxxxxxx",
  "user_id": "user_xxxxxxxxxxxxxx"
}

Response

a pre-tokenized Basis Theory value passes through unvaulted

account_referencestring nullable required

Masked identifier for the destination.

bank_verification_state'checking' | 'verified' | 'no_data' | 'warning' | 'broken' | 'null' nullable

Lifecycle trust state: checking (verification still running), verified (bank confirmed ownership or a payout already completed to it), no_data (verification unavailable or bank returned no ownership data), warning (bank could not confirm the destination's owner), broken (payouts failed with a permanent account error), null (never checked).

created_atstring date-time required
destination_currencystring required
estimated_arrivalobject nullable required

Null on create. List payout methods to retrieve arrival estimates.

fee_structureobject nullable required

Null on create. List payout methods to retrieve the configured fee terms.

idstring required

Payout method ID, usable as payout_method_id on POST /payouts.

institution_namestring nullable required
is_cloneboolean

Whether this method is a copy of one saved on another of the payer's accounts.

is_defaultboolean required
linked_via_plaidboolean

Whether the payer added this method by signing in to their bank rather than typing account details.

needs_plaid_reconnectboolean

Whether the bank sign-in behind this method has expired and must be redone before it counts as linked.

nicknamestring nullable required

User-defined label for the payout method.

object'payout_method' required
payer_namestring nullable required
quoteobject nullable required

Always null on create.

status'created' | 'active' | 'broken' required
unavailable_reason'destination_retired' | 'null' nullable required

Why this method is unavailable: destination_retired means the payout provider stopped offering the destination. Whop may automatically remap an eligible method that was not linked through Plaid to a compatible replacement; otherwise, the account owner must re-add it. null means no unavailability reason is known.

Example response

{
  "account_reference": "••••0472",
  "bank_verification_state": "no_data",
  "created_at": "2026-01-01T12:00:00.000Z",
  "destination_currency": "usd",
  "id": "potk_xxxxxxxxxxxxxx",
  "institution_name": "Frost Bank",
  "nickname": "Ops checking",
  "object": "payout_method",
  "payer_name": "ACH Bank Deposit",
  "status": "created",
  "supported_payout_method": {
    "country_code": "USA",
    "delivery_type": "bank_deposit",
    "icon_url": "https://assets-2-rough.whop.com/uploads/image/2026-01-01/ach-bank-deposit-icon",
    "name": "ACH Bank Deposit",
    "supports_plaid": true,
    "supports_standard_delivery": true
  },
  "unavailable_reason": "destination_retired"
}