Withdrawals

Send USD out of an open payments-core account with an outgoing fiat transfer method and a fiat disbursement. Crypto outflows use asset disbursement.

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Link Outgoing Bank Method (ACH)

Create a separate outgoing rail (do not reuse the incoming method id for disbursements).

• POST /fiat-transfer-method
• transferDirection: "OUTGOING"
• fundsTransferType: "ACH"

Example payload:

{
  "accountId": "<accountId>",
  "fiatId": "<fiatId>",
  "transferDirection": "OUTGOING",
  "fundsTransferType": "ACH",
  "label": "Customer ACH out",
  "bankName": "Test Bank",
  "bankAccountName": "Jane Doe",
  "bankAccountNumber": "0987654321",
  "bankAccountType": "CHECKING",
  "routingNumber": "021000021",
  "last4": "4321",
  "bankAddress1": "1 Federal Reserve Plaza",
  "bankCity": "New York",
  "bankState": "NY",
  "bankPostalCode": "10045",
  "bankCountryCode": "US",
  "async": false
}

FIAT_TRANSFER_METHOD_NOT_READY

Disbursements fail with FIAT_TRANSFER_METHOD_NOT_READY until the bank method's verificationState is approved. Creating the method is not enough. Wait for bank verification before retrying.

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Fiat Disbursement

• POST /fiat-disbursement
• unitCount: USD cents as a string
• fiatTransferMethodId: the OUTGOING method id

Example payload:

{
  "accountId": "<accountId>",
  "fiatId": "<fiatId>",
  "fiatTransferMethodId": "<outgoingFiatTransferMethodId>",
  "unitCount": "1000",
  "description": "Customer withdrawal"
}

Confirm available fiat with GET /account-fiat-total?accountId={accountId} before withdrawing.

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Crypto Disbursement (Optional)

• POST /asset-disbursement: send crypto from the payments-core account to an external destination via a ready asset transfer method

Ensure the asset transfer method is ready before calling; otherwise the platform rejects the disbursement similarly to the fiat not-ready case.

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Putting It Together

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Next Steps

• Fees: Withdrawal fee behavior
• Funding: Deposit funds back in
• Conversions: Trade before withdrawing