> For the complete documentation index, see [llms.txt](https://docs.xtrakit.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xtrakit.com/overview/payments/payout/initiate-payout.md).

# Initiate Payout

* Validates and resolves the account holder's name for both bank accounts and MTN Mobile Money numbers.
* Creates and logs the transaction, preparing it

### Initiate remittance transaction

## Endpoint

<mark style="color:$warning;">**`POST`**</mark> `https://api.xtrakit.com/api/v1/payout/initiates`

## Headers

`Authorization: Bearer API_KEY`

## **Request Body**

{% tabs %}
{% tab title="Success" %}

```php
//sample payout initiation request
{
    "transactionId": "Merchant-Transaction-Id",
    "amount": "10",
    "currency": "GHS",
    "payoutMethodId": "BQXVyDP8MD",
    "description": "Payout description",
    "accountId": "+23354xxxxxxxx",
    "sender": {
        "firstname": "QwikFit",
        "lastname": "22Autos",
        "email": "sender-email", //kofi@qwikfitgh.com
        "address": "Dome Pillar 2",
        "phone": "+23324xxxxxxxx"
    },
    "beneficiary": {
        "firstname": "Kofi",
        "lastname": "Amartey",
        "phone": "+23354xxxxxx",
        "email": "kofi@gmail.com",
        "bankCode": ""
    }
}

```

{% endtab %}

{% tab title="Error" %}

```json
{
    "status": 401,
    "error": "Unauthorized: Missing Bearer Token"
},

{
    "status": 401,
    "error": "Unauthorized: Invalid API Key"
}
```

{% endtab %}
{% endtabs %}

<table><thead><tr><th width="289">Parameters</th><th width="100">Type</th><th>Description</th></tr></thead><tbody><tr><td><p>accountId</p><p><code>string</code></p></td><td>Required</td><td>Bank account or phone number</td></tr><tr><td><p>transactionId</p><p><code>string</code></p></td><td>Required</td><td>Transaction reference generated by remittance business</td></tr><tr><td><p>amount</p><p><code>string</code></p></td><td>Required</td><td></td></tr><tr><td><p>payoutMethodId</p><p><code>string</code></p></td><td>Required</td><td>Payment method from list of payment channels endpoint</td></tr><tr><td><p>description</p><p><code>string</code></p></td><td>Required</td><td>Reason for transaction</td></tr><tr><td><p>currency</p><p><code>string</code></p></td><td>Required</td><td>Currency of remittance transaction</td></tr></tbody></table>

## Sample Response

{% tabs %}
{% tab title="Success" %}

```json
//sample initiate payout momo payout response
{
    "status": 200,
    "data": {
        "accountId": "+23354xxxxx",
        "accountName": "Kofi Amartey",
        "xtrapayTransactionId": "BRJPAAS2025090259xxxxxx",
        "transactiondId": "Merchant-Transaction-Id"
    },
    "message": "Payout process has been initiated"
}
```

{% endtab %}

{% tab title="Error" %}

```json
{
    "status": 401,
    "error": "Unauthorized: Missing Bearer Token"
},

{
    "status": 401,
    "error": "Unauthorized: Invalid API Key"
}
```

{% endtab %}
{% endtabs %}