🇸🇬 SGD Payout

This endpoint allows you to process payouts in Singapore Dollars (SGD) to recipients with a bank account in Singapore.

Endpoint

POST: https://sandboxapi.me-cash.com/v2/payout

Supported Payment Channels

SGD payouts support the following payment channel:

Channel	Description	Use Case
`BANK_TRANSFER`	Standard bank transfer to Singapore banks	Domestic transfers within Singapore

Request Details

Headers

Include these headers in your request:

Header	Value	Required
`Content-Type`	`application/json`	✅ Yes
`x-api-key`	`YOUR_API_KEY`	✅ Yes

Sample Requests

BANK_TRANSFER

Use BANK_TRANSFER for standard domestic SGD bank transfers.

curl --location --request POST 'https://sandboxapi.me-cash.com/v2/payout' \
--header 'x-api-key: YOUR_API_KEY' \
--header 'Content-Type: application/json' \
--data '{
  "recipient": {
    "name": "Jayden Tan",
    "nickName": "TestLRQ",
    "gender": "M",
    "occupation": "business entrepreneur",
    "countryName": "SG",
    "type": "BUSINESS",
    "stored": false,
    "account": {
        "bankName": "DBS Bank",
        "sortCode": "00120",
        "swiftCode": "DBSSSGSGXXX",
        "bankCity": "Suntec City",
        "accountNumber": "001234****",
    },
    "sourceOfFunds": "I1",
    "paymentChannel": "BANK_TRANSFER",
    "currency": "SGD",
    "country": "SG"
  },
  "quoteId": "d3b47ced-ff79-436f-a926-2d19b03e9fa6",
  "reason": "Gift",
  "remark": "Testing"
}'

const url = 'https://sandboxapi.me-cash.com/v2/payout';

const options = {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'x-api-key': 'YOUR_API_KEY'
  },
  body: JSON.stringify({
    recipient: {
      name: "Jayden Tan",
      nickName: "TestLRQ",
      gender: "M",
      occupation: "business entrepreneur",
      countryName: "SG",
      type: "BUSINESS",
      stored: false,
      account: {
        bankName: "DBS Bank",
        sortCode: "00120",
        swiftCode: "DBSSSGSGXXX",
        bankCity: "Suntec City",
        accountNumber: "001234****",
      },
      sourceOfFunds: "I1",
      paymentChannel: "BANK_TRANSFER",
      currency: "SGD",
      country: "SG"
    },
    quoteId: "d3b47ced-ff79-436f-a926-2d19b03e9fa6",
    reason: "Gift",
    remark: "Testing"
  })
};

fetch(url, options)
  .then(res => {
    if (!res.ok) {
      throw new Error(`HTTP error! status: ${res.status}`);
    }
    return res.json();
  })
  .then(data => console.log(data))
  .catch(error => console.error('Error:', error));

import requests
import json

url = "https://sandboxapi.me-cash.com/v2/payout"

payload = {
    "recipient": {
        "name": "Jayden Tan",
        "nickName": "TestLRQ",
        "gender": "M",
        "occupation": "business entrepreneur",
        "countryName": "SG",
        "type": "BUSINESS",
        "stored": False,
        "account": {
            "bankName": "DBS Bank",
            "sortCode": "00120",
            "swiftCode": "DBSSSGSGXXX",
            "bankCity": "Suntec City",
            "accountNumber": "001234****",
        },
        "sourceOfFunds": "I1",
            "paymentChannel": "BANK_TRANSFER",
        "currency": "SGD",
        "country": "SG"
    },
    "quoteId": "d3b47ced-ff79-436f-a926-2d19b03e9fa6",
    "reason": "Gift",
    "remark": "Testing"
}

headers = {
    "x-api-key": "YOUR_API_KEY",
    "Content-Type": "application/json"
}

try:
    response = requests.post(url, headers=headers, data=json.dumps(payload))
    response.raise_for_status()
    print(response.json())
except requests.exceptions.HTTPError as err:
    print(f"HTTP Error: {err}")

Request Body Breakdown

BANK_TRANSFER Fields

Field	Type	Description	Required
`quoteId`	String	The unique ID of the quote for this payout.	✅ Yes
`reason`	String	The purpose of the transfer.	✅ Yes
`remark`	String	An optional, additional note about the transaction.	❔ No
`recipient`	Object	An object containing all details about the beneficiary.	✅ Yes
`recipient.name`	String	The full name of the recipient.	✅ Yes
`recipient.type`	String	The type of recipient. Enum: `INDIVIDUAL`, `BUSINESS`.	✅ Yes
`recipient.account`	Object	An object containing the recipient’s bank account details.	✅ Yes
`recipient.account.bankName`	String	The name of the recipient’s bank.	✅ Yes
`recipient.account.accountNumber`	String	The recipient’s bank account number.	✅ Yes
`recipient.account.sortCode`	String	The bank sort code (if applicable).	❔ No
`recipient.account.swiftCode`	String	The SWIFT code of the recipient’s bank.	✅ Yes
`recipient.paymentChannel`	String	The payment method. Must be `BANK_TRANSFER`.	✅ Yes
`recipient.sourceOfFunds`	String	Code indicating the source of funds (e.g., `I1`).	✅ Yes

Success Response (200 OK)

If the payout is successfully created, the API returns the following response:

copy

{
  "message": "Transaction created successfully",
  "status": "success",
  "data": {
    "id": "SGD-PAYOUT-ID-123456",
    "reason": "Gift",
    "referenceNumber": "SGDPAYOUTREF123",
    "type": "SEND",
    "state": "COMPLETED",
    "quote": {
      "id": "d3b47ced-ff79-436f-a926-2d19b03e9fa6",
      "source": {
        "currency": "NGN",
        "country": "NG",
        "amount": 2000
      },
      "target": {
        "currency": "SGD",
        "country": "SG",
        "amount": 3.50
      },
      "rate": 571.42,
      "fee": {
        "amount": 50
      }
    },
    "recipient": {
      "name": "Jayden Tan",
      "type": "BUSINESS",
      "account": {
          "name": "Jayden Tan",
          "bankName": "DBS Bank",
          "accountNumber": "001234****"
      },
      "paymentChannel": "BANK_TRANSFER",
      "currency": "SGD",
      "country": "SG"
    },
    "created": "2026-02-04T09:41:02.000Z",
    "processed": "2026-02-04T09:42:02.000Z"
  }
}

Payout Transaction States

The payout transaction can have one of the following states:

State	Description
`COMPLETED`	The payout was successfully processed.
`PENDING`	The payout is still being processed.
`FAILED`	The payout failed to process.
`REFUNDED`	The payout has been sent back to sender.

Error Handling

Status Code	Meaning	Example Response
`400`	Insufficient Balance	Insufficient Balance
`401`	Unauthorized	Invalid API key provided.
`403`	Forbidden	IP not whitelisted
`404`	Not Found	The requested endpoint does not exist.
`422`	Unprocessable Entity	Invalid quote ID provided.
`500`	Internal Server Error	An internal error occurred.

Best Practices

✅ Ensure quoteId is valid and linked to an existing quote. ✅ Confirm that the recipient’s bank account number and bank code are correct. ✅ Use a valid API key in the headers. ✅ Handle error responses correctly in your integration.

Testing Failed Payouts: In the sandbox environment, you can simulate a failed payout by setting "remark": "fail" in your request. This triggers a payout.failed webhook, allowing you to test your error handling.

Overview

Wallets

Quotes

Payouts

Virtual Accounts

Ramp

Transactions

Webhooks

Endpoint

Supported Payment Channels

Request Details

Headers

Sample Requests

Request Body Breakdown

Success Response (200 OK)

Payout Transaction States

Error Handling

Best Practices

​Endpoint

​Supported Payment Channels

​Request Details

​Headers

​Sample Requests

​Request Body Breakdown

​Success Response (200 OK)

​Payout Transaction States

​Error Handling

​Best Practices

Endpoint

Supported Payment Channels

Request Details

Headers

Sample Requests

Request Body Breakdown

Success Response (200 OK)

Payout Transaction States

Error Handling

Best Practices