**Last updated**: 06 March 2026 | [**Change log**](/access/products/card-payouts/changelog/)

# Make a card payout

Send funds to your customer's cards.

## Standard payout

### Payout request

Pay your customers by sending a request to our `payouts:basicDisbursement` action link received in your [query the payout root resource](/access/products/card-payouts/get-started#query-the-payouts-root-resource) request.

Note
If you want to payout to a wallet please read [here](/access/products/card-payouts/wallets) first.

`POST` `https://try.access.worldpay-bsh.securedataplatform.com/payouts/basicDisbursement`

Payout request body:

Standard payout

```json
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "The Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "value": {
            "currency": "GBP",
            "amount": 100
        },
        "payoutInstrument": {
            "type": "card/plain",
            "cardHolderName": "Sherlock Holmes",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            },
            "billingAddress": {
                "address1": "221B Baker Street",
                "address2": "Marylebone",
                "address3": "Westminster",
                "postalCode": "NW1 6XE",
                "city": "London",
                "state": "Greater London",
                "countryCode": "GB"
            }
        }
    }
}
```

Token/wallet payout

```json
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "The Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "value": {
            "currency": "GBP",
            "amount": 100
        },
        "payoutInstrument": {
            "type": "card/tokenized",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/tokens/eyJrIjoxLCJkIjoiMjZ5OUp3Q2dEeDVjWEZBcjhjSmRlcmZTcE44ZzRoazFMcmNCSzlqaEVWcz0ifQ"
        }
    }
}
```

Apple Pay decrypted payout

```json
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "The Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "value": {
            "currency": "GBP",
            "amount": 100
        },
        "payoutInstrument": {
            "type": "card/networkToken+applepay",
            "cardHolderName": "Sherlock Holmes",
            "dpan": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            },
            "billingAddress": {
                "address1": "221B Baker Street",
                "address2": "Marylebone",
                "address3": "Westminster",
                "postalCode": "NW1 6XE",
                "city": "London",
                "state": "Greater London",
                "countryCode": "GB"
            }
        }
    }
}
```

Network token payout

```json
{
   "instruction": {
       "value": {
           "amount": 100,
           "currency": "GBP"
       },
       "payoutInstrument": {
           "type": "card/networkToken",
           "cardHolderName": "Sherlock Holmes",
           "expiryDate": {
               "month": 12,
               "year": 2029
           },
           "tokenNumber": "5555555555554444",
           "billingAddress": {
           "address1":"address1",
            "address2":"address2",
            "address3":"address3",
            "postalCode":"AB1 2CD",
            "city":"city",
            "state":"state",
            "countryCode":"GB"
            }
       },
       "narrative": {
       "line1":"test1",
       "line2": "test2"
      } 
   },
   "merchant": {
       "entity": "default"
   },
   "transactionReference": "{{$guid}}"
}
```

### Payout schema

### Payout response

Best practice
Access Worldpay returns a `WP-correlationId` in the headers of service responses. We **highly recommend** you log this. The `WP-correlationId` is used by us to examine individual service requests.

In your response we return:

* the `outcome`, which could be:
  * `requestReceived` - We have received your basic disbursement request and are processing it within 3-5 working days.
  * `refused` - This payout method is refused, try another card.
  * `error` -  A downstream system failed to process your request.
* a timestamp of `receivedAt`
* the location of the payout resource


Example responses:

requestReceived

```json
{
    "outcome": "requestReceived",
    "receivedAt": "2023-09-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "curies": [{
            "name": "payouts",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
            "templated": true
        }]
    }
}
```

refused

```json
{
    "outcome": "refused",
    "receivedAt": "2023-09-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "curies": [{
            "name": "payouts",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
            "templated": true
        }]
    }
}
```

error

```json
{
    "outcome": "error",
    "receivedAt": "2023-09-06T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "curies": [{
            "name": "payouts",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
            "templated": true
        }]
    }
}
```

Best practice
We recommend using our [Events service](/access/products/events) to receive the latest payout status.

## Fast Access payouts

Use Fast Access to pay your customers within 30 minutes or less.

Prerequisite
You must be enabled for Fast Access before using it. Please contact your Implementation Manager for more information.

### Fast Access request

Send your payout request to our `payouts:fastAccess` action link received in your [query the payout root resource](/access/products/card-payouts/get-started#query-the-payouts-root-resource) request.

If your customer's card is not Fast Access enabled, a [standard payout](#standard-payout) is automatically performed.

Note
If you want to payout to a wallet please read [here](/access/products/card-payouts/wallets) first.

`POST`  `https://try.access.worldpay-bsh.securedataplatform.com/payouts/fastAccess`

Fast Access payout request body:

Fast Access payout

```json
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "The Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "value": {
            "currency": "GBP",
            "amount": 100
        },
        "payoutInstrument": {
            "type": "card/plain",
            "cardHolderName": "Sherlock Holmes",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            },
            "billingAddress": {
                "address1": "221B Baker Street",
                "address2": "Marylebone",
                "address3": "Westminster",
                "postalCode": "NW1 6XE",
                "city": "London",
                "state": "Greater London",
                "countryCode": "GB"
            }
        }
    }
}
```

Token payout

```json
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "The Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "value": {
            "currency": "GBP",
            "amount": 100
        },
        "payoutInstrument": {
            "type": "card/tokenized",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/tokens/eyJrIjoxLCJkIjoiMjZ5OUp3Q2dEeDVjWEZBcjhjSmRlcmZTcE44ZzRoazFMcmNCSzlqaEVWcz0ifQ"
        }
    }
}
```

Apple Pay decrypted payout

```json
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "The Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "value": {
            "currency": "GBP",
            "amount": 100
        },
        "payoutInstrument": {
            "type": "card/networkToken+applepay",
            "cardHolderName": "Sherlock Holmes",
            "dpan": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            },
            "billingAddress": {
                "address1": "221B Baker Street",
                "address2": "Marylebone",
                "address3": "Westminster",
                "postalCode": "NW1 6XE",
                "city": "London",
                "state": "Greater London",
                "countryCode": "GB"
            }
        }
    }
}
```

Network token payout

```json
{
   "instruction": {
       "value": {
           "amount": 100,
           "currency": "GBP"
       },
       "payoutInstrument": {
           "type": "card/networkToken",
           "cardHolderName": "Sherlock Holmes",
           "expiryDate": {
               "month": 12,
               "year": 2029
           },
           "tokenNumber": "5555555555554444",
           "billingAddress": {
           "address1":"address1",
            "address2":"address2",
            "address3":"address3",
            "postalCode":"AB1 2CD",
            "city":"city",
            "state":"state",
            "countryCode":"GB"
            }
       },
       "narrative": {
       "line1":"test1",
       "line2": "test2"
      } 
   },
   "merchant": {
       "entity": "default"
   },
   "transactionReference": "{{$guid}}"
}
```

#### Routing your Fast Access request

Where a card supports multiple card schemes, you may optionally submit a `preferredCardBrand` in your card payout request.

Example: Some US-issued Visa cards also support Maestro as a debit network. This is typically indicated by Maestro appearing on the back of the card. You may optionally opt to route your payout to Mastercard in this case. By default, the transaction is routed to the primary card scheme (sometimes described as the "front of card" network).

The `scheme.name` in the response indicates the route that was used. If your `preferredCardBrand` is not supported for the card, the transaction is automatically routed to the primary card scheme.

Refer to our [testing page](/access/products/card-payouts/testing#routing-magic-values) to test various routing outcomes.

Note
- Preferred card brand routing is only available for:
  - Fast Access card payouts
  - US domiciled merchants
  - `card/plain` and `card/tokenized` payout instruments
- `cardHolderName` and `billingAddress` fields are mandatory for preferred card brand routing


Preferred card brand - plain card

```json
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "routing": {
            "preferredCardBrand": "mastercard"
        },
        "narrative": {
            "line1": "The Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "value": {
            "currency": "USD",
            "amount": 100
        },
        "payoutInstrument": {
            "type": "card/plain",
            "cardHolderName": "Sherlock Holmes",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            },
            "billingAddress": {
                "address1": "789 Palm Drive",
                "address2": "Unit 12",
                "address3": "Sunset Villas",
                "postalCode": "33101",
                "city": "Miami",
                "state": "FL",
                "countryCode": "US"
            }
        }
    }
}
```

Preferred card brand - token

```json
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "routing": {
            "preferredCardBrand": "mastercard"
        },
        "narrative": {
            "line1": "The Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "value": {
            "currency": "USD",
            "amount": 100
        },
        "payoutInstrument": {
            "type": "card/tokenized",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/tokens/eyJrIjoxLCJkIjoiMjZ5OUp3Q2dEeDVjWEZBcjhjSmRlcmZTcE44ZzRoazFMcmNCSzlqaEVWcz0ifQ"
        }
    }
}
```

We also check whether the supplied card supports Visa Direct / Mastercard Send disbursements and by default we will fall back to a basic disbursement where we do not get a response from the scheme.

You can decide whether to fall back to basic or not by sending an optional `fallbackToBasic` field in the routing request.

If you set `fallbackToBasic` to "disabled", instead of falling back we send an error message to you.

fallbackToBasic - enabled

```json
{
   "instruction": {
       "value": {
           "amount": 100,
           "currency": "USD"
       },
       "routing": {
      "fallbackToBasic": "enabled"
    },
       "payoutInstrument": {
           "type": "card/plain",
           "cardHolderName": "Sherlock Holmes",
           "cardExpiryDate": {
               "month": 12,
               "year": 2029
           },
           "cardNumber": "5555555555554444",
           "billingAddress": {
           "address1":"789 Palm Drive",
            "address2":"Unit 12",
            "address3":"Sunset Villas",
            "postalCode":"33101",
            "city":"Miami",
            "state":"FL",
            "countryCode":"US"
            }
       },
       "narrative": {"line1":"PAYOUT"}
   },
   "merchant": {
       "entity": "default"
   },
   "transactionReference": "{{$guid}}"
}
```

fallbackToBasic - disabled

```json
{
   "instruction": {
       "value": {
           "amount": 100,
           "currency": "USD"
       },
       "routing": {
      "fallbackToBasic": "disabled"
    },
       "payoutInstrument": {
           "type": "card/plain",
           "cardHolderName": "Sherlock Holmes",
           "cardExpiryDate": {
               "month": 12,
               "year": 2029
           },
           "cardNumber": "5555555555554444",
           "billingAddress": {
           "address1":"789 Palm Drive",
            "address2":"Unit 12",
            "address3":"Sunset Villas",
            "postalCode":"33101",
            "city":"Miami",
            "state":"FL",
            "countryCode":"US"
            }
       },
       "narrative": {"line1":"PAYOUT"}
   },
   "merchant": {
       "entity": "default"
   },
   "transactionReference": "{{$guid}}"
}
```

fallbackToBasic - disabled VisaResponse

```json
{
  "errorName": "noInquiryDetailsReceivedfromVisa",
  "message": "The card scheme didn't provide the card details during inquiry, please try again later."
}
```

fallbackToBasic - disabled MastercardResponse

```json
{
  "errorName": "noInquiryDetailsReceivedfromMastercard",
  "message": "The card scheme didn't provide the card details during inquiry, please try again later."
}
```

### Fast Access schema

Note
The full request schema is available in the [API reference](/access/products/card-payouts/openapi).

### Fast Access response

Best practice
Access Worldpay returns a `WP-CorrelationId` in the headers of service responses. We **highly recommend** you log this. The `WP-CorrelationId` is used by us to examine individual service requests.

In our response we return:

* the `outcome`
* a timestamp `receivedAt`
* the location of the payout resource
* scheme name and reference for `requested`, `pending`, `approved`, `refused` and `requestReceived` outcomes
* refusal code for outcome `refused`


#### Possible outcomes

| Outcome | Description |
|  --- | --- |
| `requested` | We have received your Fast Access disbursement. |
| `pending` | We have sent your Fast Access disbursement request to Visa Direct/Mastercard Send. If there are no updates within 48 hours then this moves to an `error` outcome. |
| `approved` | Visa/Mastercard has approved your request and the funds are allocated within 30 minutes if the issuer is Fast Access enabled. If not, standard timescales apply. |
| `disbursed` | The transaction is reconciled with Visa/Mastercard's daily reporting. |
| `refused` | Your Fast Access disbursement request is refused. Possible refusal reasons: the card issuer declines the disbursementVisa/Mastercard declines your request because the issuing bank is not respondingdisbursements are not allowed in the requested country |
| `inReview` | We are reviewing your Fast Access disbursement request, but the card does not support Fast Access. If the review is successful, then your payout is processed and moves to an `approved` or `refused` outcome. If the review fails, the payout moves to an `error` outcome |
| `requestReceived` | We have received your Fast Access disbursement request, but the card does not support Fast Access. |
| `error` | There is no response from Visa/Mastercard within 48 hours or Visa/Mastercard returns an error confirming the request has failed. |


#### Outcome examples

requested

```json
{
    "outcome": "requested",
    "receivedAt": "2023-09-06T12:29:39.625884Z",
    "scheme": {
        "name": "visa",
        "reference": "972128663763829"
    },
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "curies": [{
            "name": "payouts",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
            "templated": true
        }]
    }
}
```

pending

```json
{
    "outcome": "pending",
    "receivedAt": "2025-08-01T12:29:39.625884Z",
    "scheme": {
        "name": "visa",
        "reference": "972128663763829"
    },
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "curies": [{
            "name": "payouts",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
            "templated": true
        }]
    }
}
```

approved

```json
{
    "outcome": "approved",
    "receivedAt": "2025-08-01T12:29:39.625884Z",
    "scheme": {
        "name": "visa",
        "reference": "972128663763829"
    },
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "curies": [{
            "name": "payouts",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
            "templated": true
        }]
    }
}
```

disbursed

```json
{
    "outcome": "disbursed",
    "receivedAt": "2025-08-01T12:29:39.625884Z",
    "scheme": {
        "name": "visa",
        "reference": "972128663763829"
    },
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "curies": [{
            "name": "payouts",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
            "templated": true
        }]
    }
}
```

refused

```json
{
    "outcome": "refused",
    "refusalCode": "9G",
    "receivedAt": "2025-08-01T12:29:39.625884Z",
    "scheme": {
        "name": "visa",
        "reference": "972128663763829"
    },
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "curies": [{
            "name": "payouts",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
            "templated": true
        }]
    }
}
```

inReview

```json
{
    "outcome": "inReview",
    "receivedAt": "2025-08-01T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "curies": [{
            "name": "payouts",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
            "templated": true
        }]
    }
}
```

requestReceived

```json
{
    "outcome": "requestReceived",
    "receivedAt": "2025-10-07T11:39:47.780549Z",
    "scheme": {
        "name": "mastercard",
        "reference": "528000000610"
    },
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/MjorYjlBc3BsYkhNZmpRMEFIWWxpa1B3PT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6ays2T2xBZnU0b1NBSWVRbEFFZUt2MU03SW8rYUJHNVhJeUM2NTlNWHk5VUM4cWxPdHVHTHNnTU0vR01adE5YaCtHN3RoaEdVN1JoWkpFZlJIWTdaSmRmTHNHa0lWdnJXMHdVVW5SbjJWOXM9"
        },
        "curies": [
            {
                "name": "payouts",
                "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
                "templated": true
            }
        ]
    }
}
```

error

```json
{
    "outcome": "error",
    "receivedAt": "2025-08-01T12:29:39.625884Z",
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "curies": [{
            "name": "payouts",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
            "templated": true
        }]
    }
}
```

#### Fast Access payout `outcome` of `requested`, `pending` or `approved`

Send a `GET` request to the `payouts:payout` action link, to retrieve the outcome of your payout request. When an update to the outcome is available the `payouts:update` action link will appear in this response.

Example:

`GET` `https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}`

Example responses:

requested

```json
{
    "outcome": "requested",
    "receivedAt": "2023-09-06T12:29:39.625884Z",
    "scheme": {
        "name": "visa",
        "reference": "972128663763829"
    },
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "payouts:update": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "curies": [{
            "name": "payouts",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
            "templated": true
        }]
    }
}
```

pending

```json
{
    "outcome": "pending",
    "receivedAt": "2023-09-06T12:29:39.625884Z",
    "scheme": {
        "name": "visa",
        "reference": "972128663763829"
    },
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "payouts:update": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "curies": [{
            "name": "payouts",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
            "templated": true
        }]
    }
}
```

approved

```json
{
    "outcome": "approved",
    "receivedAt": "2025-08-01T12:29:39.625884Z",
    "scheme": {
        "name": "visa",
        "reference": "972128663763829"
    },
    "_links": {
        "payouts:payout": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}"
        },
        "curies": [{
            "name": "payouts",
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/payouts/{rel}",
            "templated": true
        }]
    }
}
```

Send a `GET` request to the `payouts:update` action link to find out the update to the outcome.

Note
If no update is available, you will get an error. You can get further information in our [error reference](/access/products/reference/worldpay-error-responses).

## Retrieve a payout using the original resource

Send a `GET` to the resource of the `payouts:payout` action link, returned in the response of the initial `basicDisbursement` or `fastAccess` request.

`GET` `https://try.access.worldpay-bsh.securedataplatform.com/payouts/{resource}`

Replace `{resource}` in the link above with the location given in your initial response.

Note
You can **only** get the location from the initial response.

## Query a payout without the original resource

If the location of an existing payout is lost, the result can still be recovered using the `payouts:query` endpoint.

To do this you must have the `entity` and `transactionReference` of the original request.

Send a `GET` to the resource of `payouts:query` action link.

`GET` `https://try.access.worldpay-bsh.securedataplatform.com/payouts/query?transactionReference={transactionReference}&entity={entity}`

Replace `{transactionReference}` and `{entity}` in the link above with the `transactionReference` and `entity` of the original payout.