Payout - ON RAMP by Mesadepagos

The Payout module sends outgoing ACH payments, processes QR payments, and makes instant PIX payments to Brazil.

Endpoints

Name	Method	Path
ACH Payout	`POST`	`/v2/transactions/payouts/bank`
ACH Payout v3	`POST`	`/v3/transactions/payouts/bank`
Wallet Payouts	-	Coming soon
Crypto Payout	`POST`	`/v2/transactions/payouts/crypto`
PIX Payout	`POST`	`/v2/transactions/payouts/pix`
QR Payout	`POST`	`/v2/transactions/payouts/qr`
QR Validation	`POST`	`/v2/transactions/payouts/validate/qr`
Bank List	`GET`	`/v2/transactions/payouts/bank/banks`

ACH Payout

ACH payouts are available for bank accounts in the following countries, with more coverage coming soon:

Code	Country	Availability
`BO`	Bolivia	Available
`BR`	Brazil	Available
`CO`	Colombia	Available
`CL`	Chile	Available
`PE`	Peru	Available
`UY`	Uruguay	Coming soon
`CR`	Costa Rica	Coming soon
`PY`	Paraguay	Coming soon
`PA`	Panama	Coming soon
`CN`	China	Coming soon

Bank rail expansion

Global bank payouts through ACH, Wire, SWIFT, and SEPA are documented in a separate module. Specific availability depends on the corridors enabled for each account.

View global bank transfers

Review endpoints, corridors, fields, and examples for ACH, Wire, SWIFT, and SEPA.

Use GET /v2/transactions/payouts/rails to retrieve current availability by currency, country, and rail. For available countries, send the corresponding ISO alpha-2 code in transaction.country.

POST /v2/transactions/payouts/bank

In v2, send the account holder’s full name in transaction.destination_holder. The first_name and last_name fields are optional.

{
  "funding_source": "conversion",
  "external_reference": "550e8400-e29b-41d4-a716-446655440000",
  "asset_deposit": "USDC",
  "refund_address": "0x0000000000000000000000000000000000000000",
  "blockchain": "Polygon",
  "transaction": {
    "country": "BO",
    "entity_type": "individual",
    "amount": 100.5,
    "bank_code": "101",
    "description": "Supplier payment",
    "destination_account": "1234567890",
    "destination_holder": "Juan Pérez",
    "first_name": "Juan",
    "last_name": "Pérez",
    "document_type": "national_id",
    "destination_id_number": "1234567",
    "currency_type": "BOB"
  }
}

Response

{
  "transaction_id": "550e8400-e29b-41d4-a716-446655440001",
  "external_reference": "550e8400-e29b-41d4-a716-446655440000",
  "deposit_address": "0x0000000000000000000000000000000000000000",
  "amount_deposit": "14.44",
  "transactions": [
    {
      "transaction_id": "550e8400-e29b-41d4-a716-446655440002",
      "status": "pending_transaction",
      "message": "Transaction created"
    }
  ]
}

POST /v3/transactions/payouts/bank

In v3, external_reference is required and accepts a text reference defined by the partner; it does not need to be a UUID v4. transaction.first_name is always required. transaction.last_name is required when transaction.entity_type is individual, but may be omitted for a company; in that case, send the legal company name in first_name. The endpoint builds the full name internally from the provided fields. In addition, transaction.currency_type supports BOB, USD, CLP, and PEN.

{
  "funding_source": "conversion",
  "external_reference": "ORDER-ACH-20260720-001",
  "asset_deposit": "USDC",
  "refund_address": "0x0000000000000000000000000000000000000000",
  "blockchain": "Polygon",
  "transaction": {
    "country": "BO",
    "entity_type": "individual",
    "amount": 100.5,
    "bank_code": "101",
    "description": "Supplier payment",
    "destination_account": "1234567890",
    "first_name": "Juan",
    "last_name": "Pérez",
    "document_type": "national_id",
    "destination_id_number": "1234567",
    "currency_type": "BOB"
  }
}

Response

{
  "transaction_id": "550e8400-e29b-41d4-a716-446655440001",
  "external_reference": "ORDER-ACH-20260720-001",
  "deposit_address": "0x0000000000000000000000000000000000000000",
  "amount_deposit": "14.44",
  "transactions": [
    {
      "transaction_id": "550e8400-e29b-41d4-a716-446655440002",
      "status": "pending_transaction",
      "message": "Transaction created"
    }
  ]
}

Wallet Payouts Coming soon

Wallet Payouts sends payouts directly to digital wallets available in each country.

Peru

PREXPE
YAPE
LUQEA
DALE

Colombia

DAVIPLATA
DING TECNIPAGOS SA
GIROS Y FINANZAS CF
IRIS
MOVII
NEQUI
PIBANK
POWWI
RAPPIPAY
UALÁ

PIX Payout

POST /v2/transactions/payouts/pix

This endpoint sends instant BRL payments to Brazil. The payout supports two funding modes:

balance: sends the operation directly to the provider using the balance enabled for the partner.
conversion: returns a crypto address and amount that must be funded before the PIX payment is executed.

Request

{
  "funding_source": "conversion",
  "external_reference": "3c68c080-9f72-4fdd-a6f4-b4e59efa05f5",
  "asset_deposit": "USDC",
  "blockchain": "Polygon",
  "transaction": {
    "amount": 100.5,
    "description": "Brazil supplier payment",
    "first_name": "Joao",
    "last_name": "Silva",
    "document_type": "CPF",
    "document_number": "12345678909",
    "currency_type": "BRL"
  },
  "clavePix": {
    "Email": "joao.silva@example.com"
  }
}

clavePix must contain exactly one of these keys:

Key	Format
`Document`	11-digit CPF or 14-digit CNPJ.
`Email`	Valid email address.
`Phone`	Phone number beginning with `+55`.
`Random`	Random key in UUID format.
`Commerce`	14-digit CNPJ.

Conversion funding
Balance funding

The response includes the crypto address and amount to deposit:

{
  "transaction_id": "550e8400-e29b-41d4-a716-446655440020",
  "external_reference": "3c68c080-9f72-4fdd-a6f4-b4e59efa05f5",
  "deposit_address": "0x2222222222222222222222222222222222222222",
  "amount_deposit": "19.85"
}

Deposit exactly amount_deposit of the selected asset into deposit_address on the specified blockchain.

The response includes the payout identifier and its initial status:

{
  "transaction_id": "550e8400-e29b-41d4-a716-446655440021",
  "external_reference": "9a84c1c5-0918-41cb-b163-e033d119f580",
  "payout_id": "123456789",
  "status": "PROCESSING"
}

This flow does not return deposit_address or amount_deposit.

Status changes are sent as withdrawal_pix. See Webhooks to configure the receiving endpoint.

QR Payout

Use this endpoint to process a payout QR code.

{
  "asset_deposit": "USDC",
  "blockchain": "Polygon",
  "funding_source": "conversion",
  "image": "qr-text-or-image-payload",
  "external_reference": "ORDER-QR-1001",
  "amount": 100
}

Response

{
  "external_reference": "ORDER-QR-1001",
  "amount_deposit": "14.44",
  "deposit_address": "0x0000000000000000000000000000000000000000",
  "transactions": {
    "transaction_id": "550e8400-e29b-41d4-a716-446655440002",
    "status": "pending_transaction",
    "message": "Payout QR processed successfully"
  }
}

QR Validation

Use this endpoint to decode a base64 QR image and validate its information.

{
  "image": "iVBORw0KGgoAAAANSUhEUgAA..."
}

Successful Response

{
  "code": 200,
  "message": "QR code scanned successfully",
  "details": {
    "titularDestino": "Juan Pérez",
    "cuentaDestino": "1234567890",
    "ciNitDestino": "1234567",
    "nombreBancoDestino": "Example Bank",
    "codigoBancoDestino": "101",
    "moneda": "BOB",
    "monto": 100.5,
    "glosa": "Supplier payment",
    "numeroReferencia": "123456789",
    "fechaVencimiento": "2026-05-13T23:59:59.000Z"
  }
}

Response When the QR Cannot Be Processed

{
  "code": null,
  "message": "The provided QR code is invalid or could not be processed."
}

Bank List

GET /v2/transactions/payouts/bank/banks?country=BO

Query Parameters

Field	Type	Required	Default	Description
`country`	string	No	`BO`	Country ISO alpha-2 code used to retrieve banks.

{
  "banks": [
    {
      "code": "101",
      "name": "Example Bank"
    }
  ]
}

​Endpoints

​ACH Payout

​Bank rail expansion

View global bank transfers

​Response

​Response

​Wallet Payouts Coming soon

​PIX Payout

​Request

​QR Payout

​Response

​QR Validation

​Successful Response

​Response When the QR Cannot Be Processed

​Bank List

​Query Parameters

Endpoints

ACH Payout

Bank rail expansion

Response

Response

Wallet Payouts Coming soon

PIX Payout

Request

QR Payout

Response

QR Validation

Successful Response

Response When the QR Cannot Be Processed

Bank List

Query Parameters