> ## Documentation Index
> Fetch the complete documentation index at: https://developer.me-cash.com/llms.txt
> Use this file to discover all available pages before exploring further.

# How meCash Payouts Works

> Learn the lifecycle, operational considerations, and implementation routes for meCash global payouts.

The **meCash Payout API** lets you send funds to recipients across multiple corridors. Every payout must reference a valid `quoteId`, ensuring the exchange rate, fees, and limits applied during quoting remain intact at execution time.

## Payout lifecycle

```mermaid theme={null}
sequenceDiagram
    participant Customer as End User
    participant PartnerAPI as Your Platform
    participant MeCash as meCash API

    Customer->>PartnerAPI: Initiate payout
    activate PartnerAPI

    PartnerAPI->>MeCash: 1. POST /v1/quote
    activate MeCash
    MeCash-->>PartnerAPI: quoteId + pricing
    deactivate MeCash

    PartnerAPI->>MeCash: 2. POST /v2/payout (quoteId + recipient)
    activate MeCash
    MeCash-->>PartnerAPI: Payout accepted (202)
    deactivate MeCash

    Note over MeCash,PartnerAPI: Asynchronous processing
    MeCash-->>PartnerAPI: 3. Webhook payout.completed / payout.failed
    activate PartnerAPI
    PartnerAPI-->>Customer: Final status update
    deactivate PartnerAPI
```

<Tip> Subscribe to payout webhooks to receive reliable delivery and failure notifications. See [Payout Webhook Events](/webhook/payout-webhook) and [Signature Verification](/webhook/webhooks-signature-verification) for implementation details.</Tip>

## Operational considerations

* **Quotes are mandatory**: Always [create a quote](/quote-docs/create-quote) first and reuse the `quoteId` during payout creation.
* **Idempotency**: Use client-generated references to safely retry payouts without double-paying.
* **Webhooks**: Treat the synchronous payout response as an acknowledgement. The final status arrives via [payout webhook](/webhook/payout-webhook).
* **Compliance rules**: Review the `rules` array on the quote to enforce per-corridor limits in your UI.

## Payout API Routes

<CardGroup cols={3}>
  <Card title="🇳🇬 NGN → 🇳🇬 NGN" href="/payout-docs/payout-examples/ngn-ngn-example">
    Local-to-local naira payout with BVN checks and instant settlement.
  </Card>

  <Card title="🇳🇬 NGN → 🇺🇸 USD" href="/payout-docs/payout-examples/ngn-usd-example">
    Send naira to a US bank, covering FX, fees, and compliance steps.
  </Card>

  <Card title="🇳🇬 NGN → 🇪🇺 EUR" href="/payout-docs/payout-examples/ngn-eur-example">
    Move NGN funds into a euro account and handle required documents.
  </Card>

  <Card title="🇳🇬 NGN → 🇬🇧 GBP" href="/payout-docs/payout-examples/ngn-gbp-example">
    Walk through payouts to the UK and sort-code validation basics.
  </Card>

  <Card title="🇳🇬 NGN → 🇨🇦 CAD" href="/payout-docs/payout-examples/ngn-cad-example">
    Route NGN disbursements to Canada either via bank transfer or Interac.
  </Card>

  <Card title="🇲🇼 MWK → 🇲🇼 MWK" href="/payout-docs/payout-examples/mwk-mwk-example">
    Run domestic Malawi payouts and reuse saved recipients easily.
  </Card>
</CardGroup>

## Next steps

* Create a payout with [`POST /v2/payout`](/payout-docs/create-payout).
* **Send to multiple recipients at once** with the [`Bulk Payout API`](/payout-docs/bulk-payout) — ideal for payroll, vendor payments, and mass disbursements.
* Explore corridor-specific payloads with the example cards above or jump straight to the [`payout docs examples`](/payout-docs/payout-examples/ngn-usd-example).
* Monitor disbursement states using the [`Get Transaction API`](/transaction-docs/get-transaction).