Generally Available. Payout orchestration is live for all merchants. Contact support@simiz.io to activate for your account if not yet enabled.
Payouts are how you orchestrate withdrawals of collected payments to your payout account, routed through licensed partner providers. You can request payouts from the dashboard or via API.

​
How it works

​
API reference

Base path: /v1/organizations/{organizationId}/payouts

​
Create a payout

POST /v1/organizations/{organizationId}/payouts

{
  "amount": 50000,
  "payoutAccountId": "pa_abc123"
}
FieldTypeRequiredDescription
amountnumberAmount to withdraw (minimum 5,000 XAF)
payoutAccountIdUUIDTarget payout account ID

​
Available endpoints

MethodEndpointDescription
POST/Create a payout
GET/List all payouts (with filters)
GET/{payoutId}Get a single payout
POST/{payoutId}/approveApprove a pending payout
POST/{payoutId}/cancelCancel a payout

​
Payout statuses

StatusDescription
PENDINGAwaiting approval (for large amounts)
PROCESSINGApproved and being transferred
COMPLETEDSuccessfully transferred
FAILEDTransfer failed (with failureReason field)
CANCELLEDCancelled before completion
Large payout amounts automatically require approval before processing. The approval threshold is configured per organization.

​
Payout fields

Each payout includes:
FieldTypeDescription
idUUIDPayout ID
organizationIdUUIDOrganization
payoutAccountIdUUIDDestination account
referencestringUnique reference
grossAmountdecimalRequested amount
feeAmountdecimalTransfer fee
netAmountdecimalAmount received (grossAmount - feeAmount)
currencystringCurrency (e.g. XAF)
statusenumCurrent status
initiatedBystringID of the initiator
approvedBystringID of the approver (if applicable)
failureReasonstringReason for failure (if failed)

​
Payout frequency

Outgoing payouts are triggered according to the frequency configured on your account: daily, weekly, or on-demand. The frequency is set in Dashboard → Payouts → Preferences.

​
Settlement times

Funds are visible in the destination account within the following indicative timeframes (excluding weekends and public holidays):
DestinationTypical time
Same-operator Mobile Money accountImmediate
Cross-operator Mobile Money account< 24 h
Local bank account1-2 business days
International bank account (SWIFT)3-5 business days
(Indicative times — may vary depending on your bank and available liquidity.)

​
Currency conversion

If your balance and destination account are in different currencies, the exchange rate applied is the spot rate at the time of the transfer, with no extra margin quoted. The conversion details appear in the associated PDF receipt.