Payment instructions (manual bank transfer)

Get the details your customer needs to pay a checkout by bank transfer and show them in your own UI, such as an invoice, a thank-you page or a PDF.

Each call returns one set of instructions: recipient name, IBAN, local account number (CZ/SK), variable symbol, amount, currency and a QR code in the standard used in the country of the checkout currency. The customer doesn't have to choose anything. No e-mail is sent.

Before you begin

• Bank transfer must be enabled for your account in the checkout currency; otherwise the endpoint returns 409. Ask Payout support to enable it.
• An API key and a Bearer token, as in Simple payment, steps 1 and 2.

Steps

1. Create the checkout

   Create the checkout as in Simple payment and keep the id from the response.

2. Get the payment instructions

   Send a GET request with the checkout id in the path. It needs only the Authorization header with the Bearer token.

   Command Line

   curl --location --request GET 'https://sandbox.payout.one/api/v1/checkouts/141447/payment_instructions' \
   --header 'Accept: application/json' \
   --header 'Authorization: Bearer SFMyNTY.EXAMPLE-TOKEN.dGhpcy1pcy1hLWZha2Utc2lnbmF0dXJlLWV4YW1wbGU'
   

3. Show the instructions to the customer

   Response for the 3.00 EUR checkout from Simple payment:

   JSON

   {
       "recipient_name": "Payout a.s.",
       "iban": "SK3112000000198742637541",
       "account_number": "000019-8742637541/1200",
       "variable_symbol": "1000123411",
       "amount": "3.0000",
       "currency": "EUR",
       "qr_code": "iVBORw0KGgoAAAANSUhEUgAAAX8AAAHBCAYAAACBh..."
   }
   

   Note

   Unlike the rest of the API, amount here is not in cents. It is a decimal string in whole currency units: "3.0000" is 3.00 EUR.

   Field	Description
   recipient_name	Name of the beneficiary the customer sends the money to.
   iban	Beneficiary IBAN in international format.
   account_number	Beneficiary account in local format (prefix-account/bank_code). Filled for Czech (CZ) and Slovak (SK) IBANs, null for other countries.
   variable_symbol	Variable symbol the customer must include in the transfer. It links the incoming payment to the checkout.
   amount	Amount to transfer, as a decimal string in whole currency units.
   currency	Currency code by ISO 4217.
   qr_code	Base64-encoded PNG of the payment QR code. Show it with <img src="data:image/png;base64,${qr_code}" />.

   The QR code is cached, so repeated calls for the same checkout return the same image and are safe to retry.

4. Wait for the webhook

   When the transfer arrives and is matched to the checkout, Payout sends checkout.succeeded. Handle it as in Simple payment, steps 7 to 9.

Error responses