Payouts
A payout transfers part of your available USD balance to an approved Mobile Money destination. Malipo never creates scheduled payouts automatically: every request is initiated by the merchant.
Before requesting
Section titled “Before requesting”- Live access must be approved.
- A payout policy and an active destination must exist.
- The request must respect the policy’s amount, daily, and monthly limits.
- Send a unique
Idempotency-Keywith each creation request.
The amount is reserved immediately. Depending on the active policy, the request is reviewed by an owner or sent automatically below a configured threshold. No payout fee is charged to the merchant.
| Status | Meaning |
|---|---|
pending |
Funds reserved; waiting for review or dispatch |
processing |
Sent to or accepted by the provider |
succeeded |
External payment confirmed |
failed |
Certain failure; funds returned once |
cancelled |
Cancelled before dispatch; funds returned once |
needs_review |
Uncertain provider result; funds stay reserved |
You can cancel only before provider processing starts. Destination changes require owner approval and become active exactly 24 hours later in UTC. Existing requests keep their original masked destination snapshot.
Customer withdrawals
Section titled “Customer withdrawals”For payments to your customers, see B2C sandbox. SDK candidate 1.3.0-beta.1; npm publication pending.