Payout Approval Required

Event Name: payout_approval_required

The payout matches one of your approval policies and is on hold until your team approves it. Funds are reserved in the source wallet, and nothing has been sent yet.

This event is sent once, when the payout is created (or after its OTP is validated, when OTP is required). The approval block lists the steps the payout needs and the deadline for completing them. See Payout approvals for the full flow. Intermediate approvals don’t send a webhook. The next event for this payout is payout_approved, payout_rejected, payout_expired or payout_canceled.

Event Payload

The webhook payload contains the following structure:

{
  "eventId": "7b2c9e41-5d3a-4f6b-9a1e-2c8d4f6a1b37",
  "eventType": "payout_approval_required",
  "timestamp": "2026-10-20T10:30:00.000Z",
  "data": {
    "status": "PENDING_APPROVAL",
    "payoutType": "bankPayout",
    "orderId": "00c32e47-245d-45f0-94f1-3f77eda656be",
    "ownReference": "Merchant internal reference for reconciliation",
    "source": {
      "type": "account",
      "debitedAccountId": "a5a03fd6-eacc-48ee-b8f6-67267b4095ab",
      "debitedUserId": "15c5277a-8c8c-41d2-9f42-66f82f6f113d"
    },
    "destination": {
      "type": "bankAccount",
      "routingType": "SWIFT",
      "accountNumber": "1234567890",
      "bankWireRef": "TX1751382490165317",
      "swift": "CHASUS33XXX",
      "beneficiary": {
        "type": "BUSINESS",
        "name": "John",
        "surname": "Doe",
        "relation": "MYSELF",
        "document": {
          "type": "PASSPORT",
          "number": "X12345678"
        },
        "contact": {
          "email": "john@mail.com",
          "phone": "+12125551234"
        },
        "address": {
          "line1": "350 Fifth Avenue",
          "postalCode": "10118",
          "province": "NY",
          "city": "New York",
          "country": "US"
        }
      }
    },
    "amounts": {
      "debitedAmount": {
        "amount": 10000,
        "currency": "EUR"
      },
      "fees": {
        "currency": "EUR",
        "total": 100,
        "breakdown": {
          "systemFee": 60,
          "merchantFee": 40
        }
      },
      "amountAfterFees": {
        "amount": 9900,
        "currency": "EUR"
      },
      "fx": {
        "pair": "EUR/USD",
        "rate": "1.0909090909"
      },
      "creditedAmount": {
        "amount": 10800,
        "currency": "USD"
      }
    },
    "approval": {
      "expiresAt": "2026-10-27T10:30:00Z",
      "progress": {
        "approvedSteps": 0,
        "steps": 2
      },
      "steps": [
        {
          "number": 1,
          "approved": false,
          "approvedAt": null
        },
        {
          "number": 2,
          "approved": false,
          "approvedAt": null
        }
      ],
      "rejection": null
    }
  }
}

{
  "eventId": "3e8f1a27-9c4b-4d2e-8f6a-1b7c3d5e9a42",
  "eventType": "payout_approval_required",
  "timestamp": "2026-10-20T10:32:00.000Z",
  "data": {
    "status": "PENDING_APPROVAL",
    "payoutType": "cryptoPayout",
    "orderId": "6fc5042e-1984-43e7-a2d3-2f0215dba030",
    "ownReference": "Merchant internal reference for reconciliation",
    "source": {
      "type": "account",
      "debitedAccountId": "8befb505-7f8c-4a72-85a5-e7cbc9719ba8",
      "debitedUserId": "15c5277a-8c8c-41d2-9f42-66f82f6f113d"
    },
    "destination": {
      "type": "cryptoAccount",
      "address": "5xoBq7f7CDgZwqHrDBdRWM84ExRetg4gZq3jX1xhk2yz",
      "network": "SOLANA"
    },
    "amounts": {
      "debitedAmount": {
        "amount": 10000,
        "currency": "EUR"
      },
      "fees": {
        "currency": "EUR",
        "total": 100,
        "breakdown": {
          "systemFee": 60,
          "merchantFee": 40
        }
      },
      "amountAfterFees": {
        "amount": 9900,
        "currency": "EUR"
      },
      "fx": {
        "pair": "EUR/USDC",
        "rate": "1.0909090909"
      },
      "creditedAmount": {
        "amount": 10800,
        "currency": "USDC"
      }
    },
    "approval": {
      "expiresAt": "2026-10-27T10:32:00Z",
      "progress": {
        "approvedSteps": 0,
        "steps": 1
      },
      "steps": [
        {
          "number": 1,
          "approved": false,
          "approvedAt": null
        }
      ],
      "rejection": null
    }
  }
}

Getting started

Accounts

Virtual IBANs

Payins

Unmatched Bank Payins

Payouts

Transfers

FX

Order Requirements

KYC

KYB

Payout Approval Required

Event Payload

​Event Payload

Event Payload