{
  "openapi": "3.0.1",
  "info": {
    "title": "Card Payouts",
    "version": "4",
    "x-metadata": {
      "category": [
        "Payouts"
      ],
      "business": [
        "Enterprise"
      ],
      "catalog-list": true,
      "generated": false
    },
    "description": "Send funds to your customer's cards. Standard or using Fast Access.\n\n__Authentication__ \n\nSet your headers:\n\n  ```\n    Authorization: {your_credentials}\n    Content-Type: application/vnd.worldpay.payouts-v4+json\n    Accept: application/vnd.worldpay.payouts-v4+json\n  ```\nReplace `{your_credentials}` with your base64-encoded Basic Auth username and password.\n\n<br>\n\n__DNS whitelisting__\n\nWhitelist the following URLs:\n* `https://try.access.worldpay.com/`\n* `https://access.worldpay.com/`\n\nPlease ensure you use DNS whitelisting, not explicit IP whitelisting. When you make a request within Access Worldpay, you should always cache the response returned."
  },
  "servers": [
    {
      "url": "https://try.access.worldpay.com",
      "description": "Test (Try)"
    },
    {
      "url": "https://access.worldpay.com",
      "description": "Live"
    }
  ],
  "paths": {
    "/payouts/{resource}": {
      "get": {
        "summary": "Retrieve payout details",
        "description": "Retrieve the details of an existing basic disbursement or Fast Access payout.\n\n",
        "operationId": "getPayoutsDetails",
        "parameters": [
          {
            "name": "resource",
            "in": "path",
            "description": "The `payouts:payout` href value returned in the response to your basic disbursement or Fast Access payout request.",
            "required": true,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Payout resource.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_payouts_200_response"
                },
                "examples": {
                  "Basic Disbursement: Successful resource retrieval with outcome requestReceived": {
                    "description": "Basic Disbursement: Successful resource retrieval with outcome requestReceived",
                    "value": {
                      "outcome": "requestReceived",
                      "receivedAt": "2023-09-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Basic Disbursement: Successful resource retrieval with outcome refused": {
                    "description": "Basic Disbursement: Successful resource retrieval with outcome refused",
                    "value": {
                      "outcome": "refused",
                      "receivedAt": "2023-09-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Basic Disbursement: Successful resource retrieval with outcome error": {
                    "description": "Basic Disbursement: Successful resource retrieval with outcome error",
                    "value": {
                      "outcome": "error",
                      "receivedAt": "2023-09-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access Payout: Successful resource retrieval with outcome requested": {
                    "description": "Fast Access Payout: Successful resource retrieval with outcome requested",
                    "value": {
                      "outcome": "requested",
                      "receivedAt": "2023-09-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "payouts:update": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access Payout: Successful resource retrieval with outcome pending": {
                    "description": "Fast Access Payout: Successful resource retrieval with outcome pending",
                    "value": {
                      "outcome": "pending",
                      "receivedAt": "2023-09-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "payouts:update": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access Payout: Successful resource retrieval with outcome approved": {
                    "description": "Fast Access Payout: Successful resource retrieval with outcome approved",
                    "value": {
                      "outcome": "approved",
                      "receivedAt": "2023-09-01T10:37:36.923Z",
                      "scheme": {
                        "name": "visa",
                        "reference": "400200004000001"
                      },
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "payouts:update": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access Payout: Successful resource retrieval with outcome disbursed": {
                    "description": "Fast Access Payout: Successful resource retrieval with outcome disbursed",
                    "value": {
                      "outcome": "disbursed",
                      "receivedAt": "2023-09-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access Payout: Successful resource retrieval with outcome refused": {
                    "description": "Fast Access Payout: Successful resource retrieval with outcome refused",
                    "value": {
                      "outcome": "refused",
                      "receivedAt": "2023-09-01T10:37:36.923Z",
                      "scheme": {
                        "name": "visa",
                        "reference": "400200004000009"
                      },
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access Payout: Successful resource retrieval with outcome error": {
                    "description": "Fast Access Payout: Successful resource retrieval with outcome error",
                    "value": {
                      "outcome": "error",
                      "receivedAt": "2023-09-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access Payout: Successful resource retrieval with outcome inReview": {
                    "description": "Fast Access Payout: Successful resource retrieval with outcome inReview",
                    "value": {
                      "outcome": "inReview",
                      "receivedAt": "2023-09-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  }
                }
              }
            }
          },
          "401": {
            "description": "Access to the requested resource has been denied. This may occur if your entity is not configured for card payouts.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_payouts_401_response"
                },
                "examples": {
                  "Access denied": {
                    "description": "Access to the requested resource has been denied.",
                    "value": {
                      "errorName": "accessDenied",
                      "message": "Access to the requested resource has been denied"
                    }
                  }
                }
              }
            }
          },
          "404": {
            "description": "We could not find the requested resource. Please check the `path` and try again.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_payouts_404_response"
                },
                "examples": {
                  "Resource not found": {
                    "description": "We could not find the requested resource.",
                    "value": {
                      "errorName": "resourceNotFound",
                      "message": "The resource you are trying to access does not exist."
                    }
                  }
                }
              }
            }
          }
        }
      }
    },
    "/payouts/query": {
      "get": {
        "summary": "Retrieve payout details from a historic resource",
        "description": "Query by transaction reference and entity to retrieve a payout.\n\n",
        "operationId": "queryPayouts",
        "parameters": [
          {
            "name": "transactionReference",
            "in": "query",
            "description": "A unique reference generated by you, used to identify a payout throughout its lifecycle.",
            "required": true,
            "schema": {
              "type": "string",
              "example": "12345"
            }
          },
          {
            "name": "entity",
            "in": "query",
            "description": "merchant entity",
            "required": true,
            "schema": {
              "type": "string",
              "example": "default"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Returns a payout resource, provided one matches the transaction and entity references.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_query_200_response"
                },
                "examples": {
                  "Basic Disbursement: An existing resource is retrieved with outcome 'requestReceived'": {
                    "description": "Basic Disbursement: An existing resource is retrieved with outcome 'requestReceived'",
                    "value": {
                      "outcome": "requestReceived",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Basic Disbursement: An existing resource is retrieved with outcome 'refused'": {
                    "description": "Basic Disbursement: An existing resource is retrieved with outcome 'refused'",
                    "value": {
                      "outcome": "refused",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Basic Disbursement: An existing resource is retrieved with outcome 'error'": {
                    "description": "Basic Disbursement: An existing resource is retrieved with outcome 'error'",
                    "value": {
                      "outcome": "error",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access: An existing resource is retrieved with outcome 'requested'": {
                    "description": "Fast Access: An existing resource is retrieved with outcome 'requested'",
                    "value": {
                      "outcome": "requested",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access: An existing resource is retrieved with outcome 'pending'": {
                    "description": "Fast Access: An existing resource is retrieved with outcome 'pending'",
                    "value": {
                      "outcome": "pending",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access: An existing resource is retrieved with outcome 'approved'": {
                    "description": "Fast Access: An existing resource is retrieved with outcome 'approved'",
                    "value": {
                      "outcome": "approved",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "scheme": {
                        "name": "visa",
                        "reference": "400200004000001"
                      },
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access: An existing resource is retrieved with outcome 'disbursed'": {
                    "description": "Fast Access: An existing resource is retrieved with outcome 'disbursed'",
                    "value": {
                      "outcome": "disbursed",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access: An existing resource is retrieved with outcome 'refused'": {
                    "description": "Fast Access: An existing resource is retrieved with outcome 'refused'",
                    "value": {
                      "outcome": "refused",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "scheme": {
                        "name": "visa",
                        "reference": "400200004000009"
                      },
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access: An existing resource is retrieved with outcome 'error'": {
                    "description": "Fast Access: An existing resource is retrieved with outcome 'error'",
                    "value": {
                      "outcome": "error",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Fast Access: An existing resource is retrieved with outcome 'inReview'": {
                    "description": "Fast Access: An existing resource is retrieved with outcome 'inReview'",
                    "value": {
                      "outcome": "inReview",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  }
                }
              }
            }
          },
          "400": {
            "description": "We could not process the request due to a client error.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_payouts_400_response"
                },
                "examples": {
                  "Query parameters missing": {
                    "description": "We could not process the request due to a client error. For example, one or more of the mandatory query parameters (`transactionReference` and `entity`) are missing.",
                    "value": {
                      "errorName": "urlContainsInvalidValue",
                      "message": "The URL contains a value or values that are invalid.",
                      "validationErrors": [
                        {
                          "errorName": "fieldIsMissing",
                          "message": "A query parameter in the request is missing. This query parameter is a mandatory element of the request. The name of the query parameter is in the queryParameter field.",
                          "queryParameter": "transactionReference"
                        }
                      ]
                    }
                  }
                }
              }
            }
          },
          "401": {
            "description": "Access to the requested resource has been denied. This may occur if your entity is not configured for card payouts.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_payouts_401_response"
                },
                "examples": {
                  "Access denied": {
                    "description": "Access to the requested resource has been denied.",
                    "value": {
                      "errorName": "accessDenied",
                      "message": "Access to the requested resource has been denied"
                    }
                  }
                }
              }
            }
          },
          "404": {
            "description": "We could not find the requested resource. Please check the `transactionReference` query parameter and try again.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_payouts_404_response"
                },
                "examples": {
                  "Resource not found": {
                    "description": "We could not find the requested resource.",
                    "value": {
                      "errorName": "resourceNotFound",
                      "message": "The resource you are trying to access does not exist."
                    }
                  }
                }
              }
            }
          },
          "422": {
            "description": "The request was syntactically valid, but couldn't be processed. For example, your merchant entity is not configured to process card payouts.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_basicDisbursement_422_response"
                },
                "examples": {
                  "Could not process request": {
                    "description": "Card payouts not enabled",
                    "value": {
                      "errorName": "fieldHasInvalidValue",
                      "message": "Your merchant boarding process has not enabled payouts for this merchant entity. Please contact support, or use a valid entity.",
                      "jsonPath": "$.merchant.entity"
                    }
                  }
                }
              }
            }
          }
        }
      }
    },
    "/payouts/basicDisbursement": {
      "post": {
        "summary": "Standard payout",
        "description": "Disburse funds to a payout instrument.\n\n",
        "operationId": "basicDisbursement",
        "requestBody": {
          "content": {
            "application/vnd.worldpay.payouts-v4+json": {
              "schema": {
                "$ref": "#/components/schemas/payouts_basicDisbursement"
              },
              "examples": {
                "Successful Basic Disbursement": {
                  "description": "Successful Basic Disbursement",
                  "value": {
                    "merchant": {
                      "entity": "default"
                    },
                    "instruction": {
                      "value": {
                        "amount": 300,
                        "currency": "GBP"
                      },
                      "payoutInstrument": {
                        "type": "card/plain",
                        "cardHolderName": "Sherlock Holmes",
                        "cardExpiryDate": {
                          "month": 1,
                          "year": 2025
                        },
                        "cardNumber": "4444333322221111",
                        "billingAddress": {
                          "address1": "address1",
                          "address2": "address2",
                          "address3": "address3",
                          "postalCode": "postalCode",
                          "city": "city",
                          "state": "state",
                          "countryCode": "GB"
                        }
                      },
                      "narrative": {
                        "line1": "STATEMENT",
                        "line2": "OPTIONAL"
                      }
                    },
                    "transactionReference": "transaction-ref"
                  }
                },
                "Unsuccessful Payout request": {
                  "description": "Unsuccessful Payout request",
                  "value": {
                    "merchant": {
                      "entity": "default"
                    },
                    "instruction": {
                      "value": {
                        "amount": 300,
                        "currency": "GBP"
                      },
                      "payoutInstrument": {
                        "type": "card/plain",
                        "cardHolderName": "Sherlock Holmes",
                        "cardExpiryDate": {
                          "month": 1,
                          "year": 2025
                        },
                        "cardNumber": "4444333322221111",
                        "billingAddress": {
                          "address1": "address1",
                          "address2": "address2",
                          "address3": "address3",
                          "postalCode": "postalCode",
                          "city": "city",
                          "state": "state",
                          "countryCode": "GB"
                        }
                      },
                      "narrative": {
                        "line1": "STATEMENT",
                        "line2": "OPTIONAL"
                      }
                    },
                    "transactionReference": "transaction-ref"
                  }
                },
                "Successful Basic Disbursement to a token": {
                  "description": "Successful Basic Disbursement to a token",
                  "value": {
                    "merchant": {
                      "entity": "default"
                    },
                    "instruction": {
                      "value": {
                        "amount": 300,
                        "currency": "GBP"
                      },
                      "payoutInstrument": {
                        "type": "card/tokenized",
                        "href": "https://tokens/token"
                      },
                      "narrative": {
                        "line1": "STATEMENT",
                        "line2": "OPTIONAL"
                      }
                    },
                    "transactionReference": "transaction-ref"
                  }
                },
                "Successful Basic Disbursement to a networkToken": {
                  "description": "Successful Basic Disbursement to a networkToken",
                  "value": {
                    "merchant": {
                      "entity": "default"
                    },
                    "instruction": {
                      "value": {
                        "amount": 300,
                        "currency": "GBP"
                      },
                      "payoutInstrument": {
                        "type": "card/networkToken",
                        "cardHolderName": "Sherlock Holmes",
                        "expiryDate": {
                          "month": 12,
                          "year": 2029
                        },
                        "tokenNumber": "5555555555554444",
                        "billingAddress": {
                          "address1": "address1",
                          "address2": "address2",
                          "address3": "address3",
                          "postalCode": "AB1 2CD",
                          "city": "city",
                          "state": "state",
                          "countryCode": "GB"
                        }
                      },
                      "narrative": {
                        "line1": "STATEMENT",
                        "line2": "OPTIONAL"
                      }
                    },
                    "transactionReference": "transaction-ref"
                  }
                },
                "Successful Basic Disbursement to a decrypted applepay token": {
                  "description": "Successful Basic Disbursement to a decrypted applepay token",
                  "value": {
                    "merchant": {
                      "entity": "default"
                    },
                    "instruction": {
                      "value": {
                        "amount": 300,
                        "currency": "GBP"
                      },
                      "payoutInstrument": {
                        "type": "card/networkToken+applepay",
                        "cardHolderName": "Sherlock Holmes",
                        "cardExpiryDate": {
                          "month": 1,
                          "year": 2025
                        },
                        "dpan": "4444333322221111",
                        "billingAddress": {
                          "address1": "address1",
                          "address2": "address2",
                          "address3": "address3",
                          "postalCode": "postalCode",
                          "city": "city",
                          "state": "state",
                          "countryCode": "GB"
                        }
                      },
                      "narrative": {
                        "line1": "STATEMENT",
                        "line2": "OPTIONAL"
                      }
                    },
                    "transactionReference": "transaction-ref"
                  }
                }
              }
            }
          }
        },
        "responses": {
          "201": {
            "description": "The outcome of your card payout request.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_basicDisbursement_201_response"
                },
                "examples": {
                  "Successful Basic Disbursement": {
                    "description": "Successful Basic Disbursement",
                    "value": {
                      "outcome": "requestReceived",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Unsuccessful Payout request": {
                    "description": "Unsuccessful Payout request",
                    "value": {
                      "outcome": "refused",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Successful Basic Disbursement to a token": {
                    "description": "Successful Basic Disbursement to a token",
                    "value": {
                      "outcome": "requestReceived",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Successful Basic Disbursement to a networkToken": {
                    "description": "Successful Basic Disbursement to a networkToken",
                    "value": {
                      "outcome": "requestReceived",
                      "receivedAt": "2024-08-28T13:49:36.956145Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://npe.access.worldpay.com/payouts/MjpkSzMxRnRQT0tqaUplUk1rSG5sWXFRPT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6b0d5RWhlMVNKVUJadWdzeEtBUW9xR1ozTWVZNGcwbUFPMDFpL1F4V1c5cGxOQ0hiVXNnWHZRb0pBZUhhUFg4QjY0dndoNHVpM1NGSjZTcWEvMDhQTVE9PQ=="
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://npe.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      },
                      "curies": [
                        {
                          "name": "payouts",
                          "href": "https://npe.access.worldpay.com/rels/payouts/{rel}",
                          "templated": true
                        }
                      ]
                    }
                  },
                  "Successful Basic Disbursement to a decrypted applepay token": {
                    "description": "Successful Basic Disbursement to a decrypted applepay token",
                    "value": {
                      "outcome": "requestReceived",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  }
                }
              }
            }
          },
          "400": {
            "description": "We could not process the request due to a client error.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_basicDisbursement_400_response"
                },
                "examples": {
                  "Invalid currency": {
                    "description": "A validation error for an unrecognized currency value",
                    "value": {
                      "errorName": "bodyDoesNotMatchSchema",
                      "message": "There were field validation errors. The errors that occurred are within the validationErrors array.",
                      "validationErrors": [
                        {
                          "errorName": "fieldHasInvalidValue",
                          "message": "The identified field does not contain an expected value. This field must contain one of the expected valid values.",
                          "jsonPath": "$.instruction.value.currency"
                        }
                      ]
                    }
                  }
                }
              }
            }
          },
          "422": {
            "description": "The request was syntactically valid, but couldn't be processed. For example, your merchant entity is not configured to process card payouts.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_basicDisbursement_422_response"
                },
                "examples": {
                  "Could not process request": {
                    "description": "Card payouts not enabled",
                    "value": {
                      "errorName": "fieldHasInvalidValue",
                      "message": "Your merchant boarding process has not enabled payouts for this merchant entity. Please contact support, or use a valid entity.",
                      "jsonPath": "$.merchant.entity"
                    }
                  }
                }
              }
            }
          },
          "500": {
            "description": "Internal server error",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_basicDisbursement_500_response"
                },
                "examples": {
                  "Internal error": {
                    "description": "Internal error",
                    "value": {
                      "errorName": "internalErrorOccurred",
                      "message": "An error occurred within the service (potentially due to an interaction with a downstream service)"
                    }
                  }
                }
              }
            }
          }
        }
      }
    },
    "/payouts/fastAccess": {
      "post": {
        "summary": "Fast Access payout",
        "description": "Disburse funds to a payout instrument using Fast Access.\n\n",
        "operationId": "fastAccess",
        "requestBody": {
          "content": {
            "application/vnd.worldpay.payouts-v4+json": {
              "schema": {
                "$ref": "#/components/schemas/payouts_fastAccess"
              },
              "examples": {
                "Successful issuing of a disbursal request": {
                  "description": "Successful issuing of a disbursal request",
                  "value": {
                    "merchant": {
                      "entity": "default"
                    },
                    "instruction": {
                      "value": {
                        "amount": 300,
                        "currency": "GBP"
                      },
                      "payoutInstrument": {
                        "type": "card/plain",
                        "cardHolderName": "Sherlock Holmes",
                        "cardExpiryDate": {
                          "month": 1,
                          "year": 2030
                        },
                        "cardNumber": "4444333322221111",
                        "billingAddress": {
                          "address1": "address1",
                          "address2": "address2",
                          "address3": "address3",
                          "postalCode": "postalCode",
                          "city": "city",
                          "state": "state",
                          "countryCode": "GB"
                        }
                      },
                      "narrative": {
                        "line1": "STATEMENT",
                        "line2": "OPTIONAL"
                      }
                    },
                    "transactionReference": "transaction-ref"
                  }
                },
                "Successful disbursal of funds": {
                  "description": "Successful disbursal of funds",
                  "value": {
                    "merchant": {
                      "entity": "default"
                    },
                    "instruction": {
                      "value": {
                        "amount": 300,
                        "currency": "GBP"
                      },
                      "payoutInstrument": {
                        "type": "card/plain",
                        "cardHolderName": "Sherlock Holmes",
                        "cardExpiryDate": {
                          "month": 1,
                          "year": 2030
                        },
                        "cardNumber": "4444333322221111",
                        "billingAddress": {
                          "address1": "address1",
                          "address2": "address2",
                          "address3": "address3",
                          "postalCode": "postalCode",
                          "city": "city",
                          "state": "state",
                          "countryCode": "GB"
                        }
                      },
                      "narrative": {
                        "line1": "STATEMENT",
                        "line2": "OPTIONAL"
                      }
                    },
                    "transactionReference": "transaction-ref"
                  }
                },
                "Successful disbursal of funds to a token": {
                  "description": "Successful disbursal of funds to a token",
                  "value": {
                    "merchant": {
                      "entity": "default"
                    },
                    "instruction": {
                      "value": {
                        "amount": 300,
                        "currency": "GBP"
                      },
                      "payoutInstrument": {
                        "type": "card/tokenized",
                        "href": "https://tokens/token"
                      },
                      "narrative": {
                        "line1": "STATEMENT",
                        "line2": "OPTIONAL"
                      }
                    },
                    "transactionReference": "transaction-ref"
                  }
                },
                "Successful disbursal of funds to a networkToken": {
                  "description": "Successful disbursal of funds to a networkToken",
                  "value": {
                    "merchant": {
                      "entity": "default"
                    },
                    "instruction": {
                      "value": {
                        "amount": 300,
                        "currency": "GBP"
                      },
                      "payoutInstrument": {
                        "type": "card/networkToken",
                        "cardHolderName": "Sherlock Holmes",
                        "expiryDate": {
                          "month": 12,
                          "year": 2030
                        },
                        "tokenNumber": "5555555555554444",
                        "billingAddress": {
                          "address1": "address1",
                          "address2": "address2",
                          "address3": "address3",
                          "postalCode": "AB1 2CD",
                          "city": "city",
                          "state": "state",
                          "countryCode": "GB"
                        }
                      },
                      "narrative": {
                        "line1": "STATEMENT",
                        "line2": "OPTIONAL"
                      }
                    },
                    "transactionReference": "transaction-ref"
                  }
                },
                "Successful disbursal of funds to a decrypted Apple Pay token": {
                  "description": "Successful disbursal of funds to a decrypted Apple Pay token",
                  "value": {
                    "merchant": {
                      "entity": "default"
                    },
                    "instruction": {
                      "value": {
                        "amount": 300,
                        "currency": "GBP"
                      },
                      "payoutInstrument": {
                        "type": "card/networkToken+applepay",
                        "cardHolderName": "Sherlock Holmes",
                        "cardExpiryDate": {
                          "month": 1,
                          "year": 2030
                        },
                        "dpan": "4444333322221111",
                        "billingAddress": {
                          "address1": "address1",
                          "address2": "address2",
                          "address3": "address3",
                          "postalCode": "postalCode",
                          "city": "city",
                          "state": "state",
                          "countryCode": "GB"
                        }
                      },
                      "narrative": {
                        "line1": "STATEMENT",
                        "line2": "OPTIONAL"
                      }
                    },
                    "transactionReference": "transaction-ref"
                  }
                },
                "Successful Mastercard disbursement": {
                  "description": "Successful Mastercard disbursement",
                  "value": {
                    "merchant": {
                      "entity": "default"
                    },
                    "instruction": {
                      "value": {
                        "amount": 300,
                        "currency": "GBP"
                      },
                      "payoutInstrument": {
                        "type": "card/plain",
                        "cardHolderName": "Sherlock Holmes",
                        "cardExpiryDate": {
                          "month": 12,
                          "year": 2029
                        },
                        "cardNumber": "5555555555554444",
                        "billingAddress": {
                          "address1": "address1",
                          "address2": "address2",
                          "address3": "address3",
                          "postalCode": "postalCode",
                          "city": "city",
                          "state": "state",
                          "countryCode": "GB"
                        }
                      },
                      "narrative": {
                        "line1": "STATEMENT",
                        "line2": "OPTIONAL"
                      }
                    },
                    "transactionReference": "transaction-ref"
                  }
                }
              }
            }
          }
        },
        "responses": {
          "201": {
            "description": "The outcome of your Fast Access card payout request.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_fastAccess_201_response"
                },
                "examples": {
                  "Successful issuing of a disbursal request": {
                    "description": "Successful issuing of a disbursal request",
                    "value": {
                      "outcome": "pending",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Successful disbursal of funds": {
                    "description": "Successful disbursal of funds",
                    "value": {
                      "outcome": "approved",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "scheme": {
                        "name": "visa",
                        "reference": "400200004000001"
                      },
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Successful disbursal of funds to a token": {
                    "description": "Successful disbursal of funds to a token",
                    "value": {
                      "outcome": "approved",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "scheme": {
                        "name": "visa",
                        "reference": "400200004000001"
                      },
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Successful disbursal of funds to a networkToken": {
                    "description": "Successful disbursal of funds to a networkToken",
                    "value": {
                      "outcome": "approved",
                      "receivedAt": "2024-08-28T13:35:04.823402Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/Mjovc1NvemlnSFhVdUVIc0xjSitSWmhnPT06QUVTL0NCQy9QS0NTNVBhZGRpbmc6YzNiamVrSDMxNThTcDJ5WnJteWRoRjlTSzhXV2RxdUNCaG1TcG9SS21SY1l5WVczZEVWNWlnZTBMWUdHTWtEWEtqTkJVRXBYMGxRYjNVYU1veGdvbGlhcnRPYy8zNnNFWGNDeGErWHhmZ289"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Successful disbursal of funds to a decrypted Apple Pay token": {
                    "description": "Successful disbursal of funds to a decrypted Apple Pay token",
                    "value": {
                      "outcome": "approved",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Successful Mastercard disbursement": {
                    "description": "Successful Mastercard disbursement",
                    "value": {
                      "outcome": "approved",
                      "receivedAt": "2023-08-01T12:10:25.634Z",
                      "scheme": {
                        "name": "mastercard",
                        "reference": "520000000001"
                      },
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Disbursement refused": {
                    "description": "Disbursement refused by card issuer",
                    "value": {
                      "outcome": "refused",
                      "refusalCode": "9G",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "scheme": {
                        "name": "visa",
                        "reference": "400200004000009"
                      },
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  },
                  "Disbursement in review": {
                    "description": "Disbursement is in review",
                    "value": {
                      "outcome": "inReview",
                      "receivedAt": "2025-08-01T10:37:36.923Z",
                      "_links": {
                        "payouts:payout": {
                          "href": "https://try.access.worldpay.com/payouts/{resource}"
                        },
                        "curies": [
                          {
                            "name": "payouts",
                            "href": "https://try.access.worldpay.com/rels/payouts/{rel}",
                            "templated": true
                          }
                        ]
                      }
                    }
                  }
                }
              }
            }
          },
          "400": {
            "description": "We could not process the request due to a client error.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_fastAccess_400_response"
                },
                "examples": {
                  "Invalid currency": {
                    "description": "A validation error for an unrecognized currency value",
                    "value": {
                      "errorName": "bodyDoesNotMatchSchema",
                      "message": "There were field validation errors. The errors that occurred are within the validationErrors array.",
                      "validationErrors": [
                        {
                          "errorName": "fieldHasInvalidValue",
                          "message": "The identified field does not contain an expected value. This field must contain one of the expected valid values.",
                          "jsonPath": "$.instruction.value.currency"
                        }
                      ]
                    }
                  }
                }
              }
            }
          },
          "422": {
            "description": "The request was syntactically valid, but couldn't be processed. For example, your merchant entity is not configured to process card payouts.",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_fastAccess_422_response"
                },
                "examples": {
                  "Could not process request": {
                    "description": "Card payouts not enabled",
                    "value": {
                      "errorName": "fieldHasInvalidValue",
                      "message": "Your merchant boarding process has not enabled payouts for this merchant entity. Please contact support, or use a valid entity.",
                      "jsonPath": "$.merchant.entity"
                    }
                  }
                }
              }
            }
          },
          "500": {
            "description": "Internal server error",
            "content": {
              "application/vnd.worldpay.payouts-v4+json": {
                "schema": {
                  "$ref": "#/components/schemas/payouts_fastAccess_500_response"
                },
                "examples": {
                  "Internal error": {
                    "description": "Internal error",
                    "value": {
                      "errorName": "internalErrorOccurred",
                      "message": "An error occurred within the service (potentially due to an interaction with a downstream service)"
                    }
                  }
                }
              }
            }
          }
        }
      }
    }
  },
  "components": {
    "schemas": {
      "scheme": {
        "type": "object",
        "required": [
          "name"
        ],
        "properties": {
          "name": {
            "type": "string",
            "description": "The name of the card scheme that was used to process your payout request",
            "enum": [
              "visa",
              "mastercard"
            ],
            "x-enumDescriptions": {
              "visa": "Processed with Visa Direct",
              "mastercard": "Processed with Mastercard Send"
            }
          },
          "reference": {
            "type": "string",
            "description": "The reference returned by the card scheme for your payout request.",
            "example": "520000000001"
          }
        }
      },
      "payouts_payouts_200_response": {
        "required": [
          "outcome",
          "receivedAt",
          "_links"
        ],
        "type": "object",
        "properties": {
          "outcome": {
            "type": "string",
            "description": "Outcome of payout request."
          },
          "scheme": {
            "$ref": "#/components/schemas/scheme"
          },
          "receivedAt": {
            "type": "string",
            "description": "A timestamp of receivedAt."
          }
        }
      },
      "payouts_payouts_400_response": {
        "type": "object",
        "properties": {
          "errorName": {
            "type": "string",
            "description": "Error name",
            "example": "urlContainsInvalidValue"
          },
          "message": {
            "type": "string",
            "description": "Error message",
            "example": "The URL contains a value or values that are invalid."
          },
          "validationErrors": {
            "type": "array",
            "description": "Further error details",
            "items": {
              "type": "object",
              "properties": {
                "errorName": {
                  "type": "string",
                  "description": "Error name",
                  "example": "fieldIsMissing"
                },
                "message": {
                  "type": "string",
                  "description": "Error message",
                  "example": "A query parameter in the request is missing. This query parameter is a mandatory element of the request. The name of the query parameter is in the queryParameter field."
                },
                "queryParameter": {
                  "type": "string",
                  "description": "The name of the missing query parameter",
                  "example": "transactionReference"
                }
              }
            }
          }
        }
      },
      "payouts_payouts_401_response": {
        "type": "object",
        "properties": {
          "errorName": {
            "type": "string",
            "description": "Error name",
            "example": "accessDenied"
          },
          "message": {
            "type": "string",
            "description": "Error message",
            "example": "Access to the requested resource has been denied"
          }
        }
      },
      "payouts_payouts_404_response": {
        "type": "object",
        "properties": {
          "errorName": {
            "type": "string",
            "description": "Error name",
            "example": "resourceNotFound"
          },
          "message": {
            "type": "string",
            "description": "Error message",
            "example": "The resource you are trying to access does not exist."
          }
        }
      },
      "payouts_query_200_response": {
        "required": [
          "outcome",
          "receivedAt",
          "_links"
        ],
        "type": "object",
        "properties": {
          "outcome": {
            "type": "string",
            "description": "outcome of payouts query request"
          },
          "scheme": {
            "$ref": "#/components/schemas/scheme"
          },
          "receivedAt": {
            "type": "string",
            "description": "A timestamp of receivedAt"
          }
        }
      },
      "card_plain": {
        "required": [
          "type",
          "cardNumber",
          "cardExpiryDate"
        ],
        "type": "object",
        "description": "Plain card details.",
        "properties": {
          "type": {
            "type": "string"
          },
          "cardNumber": {
            "type": "string",
            "description": "Your customer's payout card number.",
            "maxLength": 19,
            "minLength": 12,
            "pattern": "^[0-9]*$"
          },
          "cardExpiryDate": {
            "required": [
              "month",
              "year"
            ],
            "type": "object",
            "description": "The expiry date of your customer's card. Must be a date in the future.",
            "properties": {
              "month": {
                "type": "integer"
              },
              "year": {
                "type": "integer"
              }
            }
          },
          "cardHolderName": {
            "type": "string",
            "pattern": "^(?=.*[A-Za-z])[-A-Za-z0-9_ ]*$",
            "description": "The name on your customer's card. This is a mandatory field for US domiciled merchants only, however it is recommended that you supply this to improve authorization rates. If not supplied, the default is \"Not Supplied\". Must not contain only numeric characters."
          },
          "billingAddress": {
            "required": [
              "countryCode",
              "postalCode"
            ],
            "type": "object",
            "description": "An object containing the billing address information. This is a mandatory field for US domiciled merchants only, however we recommend you provide `billingAddress` fields for all Payout requests.",
            "properties": {
              "countryCode": {
                "type": "string",
                "description": "Must be provided in [ISO 3166-1 Alpha-2 format](/products/reference/supported-countries-currencies#iso-country-codes)."
              },
              "postalCode": {
                "type": "string"
              },
              "address1": {
                "type": "string",
                "description": "First line of the address. Required if `city` is provided."
              },
              "address2": {
                "type": "string",
                "description": "Second line of the address."
              },
              "address3": {
                "type": "string",
                "description": "Third line of the address."
              },
              "city": {
                "type": "string",
                "description": "City. Required if `address1` is provided."
              },
              "state": {
                "type": "string",
                "description": "Billing contact state code.\n\n * For North America, you must use the two-letter state abbreviations as defined in the latter part of the [ISO 3166-2 standard](https://www.iso.org/obp/ui/#iso:code:3166:US).\n * For all other regions and provinces around the world, this is a free text field.\n\n Example:\n\n * `AZ`\n\n * `Cambridgeshire`"
              }
            }
          }
        }
      },
      "card_tokenized": {
        "required": [
          "type",
          "href"
        ],
        "type": "object",
        "description": "Tokenized card details.",
        "properties": {
          "type": {
            "type": "string"
          },
          "href": {
            "type": "string",
            "description": "An object that contains your link to an Access Token."
          }
        }
      },
      "card_networkToken": {
        "required": [
          "type",
          "tokenNumber",
          "expiryDate"
        ],
        "type": "object",
        "description": "Network Payment Token details.",
        "properties": {
          "type": {
            "type": "string"
          },
          "tokenNumber": {
            "type": "string",
            "description": "The network payment token number.",
            "maxLength": 19,
            "minLength": 12,
            "pattern": "^[0-9]*$",
            "example": "4444333322221111"
          },
          "expiryDate": {
            "required": [
              "month",
              "year"
            ],
            "type": "object",
            "description": "The expiry date of the network token. Must be a date in the future.",
            "properties": {
              "month": {
                "type": "integer"
              },
              "year": {
                "type": "integer"
              }
            }
          }
        }
      },
      "applepay_decrypted": {
        "required": [
          "type",
          "dpan",
          "cardExpiryDate"
        ],
        "type": "object",
        "description": "Wallet details.",
        "properties": {
          "type": {
            "type": "string"
          },
          "dpan": {
            "type": "string",
            "description": "The device primary account number (DPAN).",
            "maxLength": 19,
            "minLength": 12,
            "pattern": "^[0-9]*$",
            "example": "4444333322221111"
          },
          "cardExpiryDate": {
            "required": [
              "month",
              "year"
            ],
            "type": "object",
            "description": "The expiry date of the payout DPAN. Must be a date in the future.",
            "properties": {
              "month": {
                "type": "integer"
              },
              "year": {
                "type": "integer"
              }
            }
          },
          "billingAddress": {
            "required": [
              "countryCode",
              "postalCode"
            ],
            "type": "object",
            "description": "An object containing the billing address information. This is a mandatory field for US domiciled merchants only, however we recommend you provide `billingAddress` fields for all Payout requests.",
            "properties": {
              "countryCode": {
                "type": "string",
                "description": "Must be provided in [ISO 3166-1 Alpha-2 format](/products/reference/supported-countries-currencies#iso-country-codes)."
              },
              "postalCode": {
                "type": "string"
              },
              "address1": {
                "type": "string",
                "description": "First line of the address. Required if `city` is provided."
              },
              "address2": {
                "type": "string",
                "description": "Second line of the address."
              },
              "address3": {
                "type": "string",
                "description": "Third line of the address."
              },
              "city": {
                "type": "string",
                "description": "City. Required if `address1` is provided."
              },
              "state": {
                "type": "string",
                "description": "Billing contact state code.\n\n * For North America, you must use the two-letter state abbreviations as defined in the latter part of the [ISO 3166-2 standard](https://www.iso.org/obp/ui/#iso:code:3166:US).\n * For all other regions and provinces around the world, this is a free text field.\n\n Example:\n\n * `AZ`\n\n * `Cambridgeshire`"
              }
            }
          },
          "cardHolderName": {
            "type": "string",
            "pattern": "^(?=.*[A-Za-z])[-A-Za-z0-9_ ]*$",
            "description": "The name on your customer's card. This is a mandatory field for US domiciled merchants only, however it is recommended that you supply this to improve authorization rates. If not supplied, the default is \"Not Supplied\". Must not contain only numeric characters."
          }
        }
      },
      "payouts_basicDisbursement": {
        "required": [
          "instruction",
          "merchant",
          "transactionReference"
        ],
        "type": "object",
        "description": "Basic disbursement input.",
        "properties": {
          "instruction": {
            "required": [
              "narrative",
              "payoutInstrument",
              "value"
            ],
            "type": "object",
            "description": "An object that contains all the information related to your payout request.",
            "properties": {
              "narrative": {
                "required": [
                  "line1"
                ],
                "type": "object",
                "description": "An object that contains identification and further details of the merchant.",
                "properties": {
                  "line1": {
                    "type": "string",
                    "description": "First line of text that appears on your customer's statement."
                  },
                  "line2": {
                    "type": "string",
                    "description": "Second line of text that appears on your customer's statement."
                  }
                }
              },
              "payoutInstrument": {
                "type": "object",
                "description": "An object that contains your customer's payout type.",
                "oneOf": [
                  {
                    "$ref": "#/components/schemas/card_plain"
                  },
                  {
                    "$ref": "#/components/schemas/card_tokenized"
                  },
                  {
                    "$ref": "#/components/schemas/card_networkToken"
                  },
                  {
                    "$ref": "#/components/schemas/applepay_decrypted"
                  }
                ],
                "discriminator": {
                  "propertyName": "type",
                  "mapping": {
                    "card/plain": "#/components/schemas/card_plain",
                    "card/tokenized": "#/components/schemas/card_tokenized",
                    "card/networkToken": "#/components/schemas/card_networkToken",
                    "card/networkToken+applepay": "#/components/schemas/applepay_decrypted"
                  }
                }
              },
              "value": {
                "required": [
                  "amount",
                  "currency"
                ],
                "type": "object",
                "description": "An object that contains payout amount and currency.",
                "properties": {
                  "amount": {
                    "type": "integer",
                    "description": "The payout amount. This is a whole number with an exponent e.g. if exponent is two, 250 is 2.50.",
                    "example": 250
                  },
                  "currency": {
                    "type": "string",
                    "description": "The three character currency code. See list of [supported currencies](/products/reference/supported-countries-currencies#iso-currency-codes).",
                    "example": "USD"
                  }
                }
              }
            }
          },
          "merchant": {
            "required": [
              "entity"
            ],
            "type": "object",
            "description": "An object that contains information about the merchant.",
            "properties": {
              "entity": {
                "maxLength": 32,
                "minLength": 1,
                "pattern": "^([A-Za-z0-9]+[A-Za-z0-9 ]*)?$",
                "example": "default",
                "type": "string",
                "description": "Direct your payment to assist with billing, reporting and reconciliation. This is mandatory for authentication and queries."
              }
            }
          },
          "transactionReference": {
            "type": "string",
            "maxLength": 64,
            "minLength": 1,
            "pattern": "^[-A-Za-z0-9_!@#$%()*=.:;?\\[\\]{}~`/+]*$",
            "description": "A unique reference generated by you, used to identify a payout throughout its lifecycle."
          }
        }
      },
      "payouts_basicDisbursement_201_response": {
        "required": [
          "_links",
          "outcome",
          "receivedAt"
        ],
        "type": "object",
        "properties": {
          "outcome": {
            "type": "string",
            "description": "Outcome of payouts request."
          },
          "receivedAt": {
            "type": "string",
            "description": "A timestamp of receivedAt."
          },
          "_links": {
            "type": "object",
            "properties": {
              "payouts:payout": {
                "type": "object",
                "description": "Your card payout resource.",
                "properties": {
                  "href": {
                    "type": "string",
                    "description": "Your card payout resource.",
                    "example": "https://try.access.worldpay.com/payouts/Mjp4VmNLR1YyYzJTYWtvTkdRS25adStRPT06QEVTL0NCRy9QS0NTMVBhZGRpfmc6a0NZTDVlQno3bDRRNWJtdGlpTlNpTlgtYnAFRmEwVFA2eFhBWlRyREtPRG1xdUJhE0JKamh6dmJhV1p2dmlOdlJBTkcrZXhIQmIrOEg3V2ZxajVud2hkQWFIMFCkQjVrencyc4VGL3gZU0k9"
                  }
                }
              }
            }
          }
        }
      },
      "payouts_basicDisbursement_400_response": {
        "type": "object",
        "properties": {
          "errorName": {
            "type": "string",
            "description": "Error name",
            "example": "bodyDoesNotMatchSchema"
          },
          "message": {
            "type": "string",
            "description": "Error message",
            "example": "There were field validation errors. The errors that occurred are within the validationErrors array."
          },
          "validationErrors": {
            "type": "array",
            "description": "Further error details",
            "items": {
              "type": "object",
              "properties": {
                "errorName": {
                  "type": "string",
                  "example": "fieldHasInvalidValue"
                },
                "message": {
                  "type": "string",
                  "example": "The identified field does not contain an expected value. This field must contain one of the expected valid values."
                },
                "jsonPath": {
                  "type": "string",
                  "example": "$.instruction.value.currency"
                }
              }
            }
          }
        }
      },
      "payouts_basicDisbursement_422_response": {
        "type": "object",
        "properties": {
          "errorName": {
            "type": "string",
            "description": "Error name",
            "example": "fieldHasInvalidValue"
          },
          "message": {
            "type": "string",
            "description": "Error message",
            "example": "Your merchant boarding process has not enabled payouts for this merchant entity. Please contact support, or use a valid entity."
          },
          "jsonPath": {
            "type": "string",
            "example": "$.merchant.entity"
          }
        }
      },
      "payouts_basicDisbursement_500_response": {
        "type": "object",
        "properties": {
          "errorName": {
            "type": "string",
            "description": "Error name",
            "example": "internalErrorOccurred"
          },
          "message": {
            "type": "string",
            "description": "Error message",
            "example": "An error occurred within the service (potentially due to an interaction with a downstream service)"
          }
        }
      },
      "payouts_fastAccess": {
        "required": [
          "instruction",
          "merchant",
          "transactionReference"
        ],
        "type": "object",
        "description": "Fast access input.",
        "properties": {
          "instruction": {
            "required": [
              "narrative",
              "payoutInstrument",
              "value"
            ],
            "type": "object",
            "description": "An object that contains all the information related to your payout request.",
            "properties": {
              "narrative": {
                "required": [
                  "line1"
                ],
                "type": "object",
                "description": "An object that contains identification and further details of the merchant.",
                "properties": {
                  "line1": {
                    "type": "string",
                    "description": "First line of text that appears on your customer's statement."
                  },
                  "line2": {
                    "type": "string",
                    "description": "Second line of text that appears on your customer's statement."
                  }
                }
              },
              "payoutInstrument": {
                "type": "object",
                "description": "An object that contains your customer's payout type.",
                "required": [
                  "type"
                ],
                "oneOf": [
                  {
                    "$ref": "#/components/schemas/card_plain"
                  },
                  {
                    "$ref": "#/components/schemas/card_tokenized"
                  },
                  {
                    "$ref": "#/components/schemas/card_networkToken"
                  },
                  {
                    "$ref": "#/components/schemas/applepay_decrypted"
                  }
                ],
                "discriminator": {
                  "propertyName": "type",
                  "mapping": {
                    "card/plain": "#/components/schemas/card_plain",
                    "card/tokenized": "#/components/schemas/card_tokenized",
                    "card/networkToken": "#/components/schemas/card_networkToken",
                    "card/networkToken+applepay": "#/components/schemas/applepay_decrypted"
                  }
                }
              },
              "value": {
                "required": [
                  "amount",
                  "currency"
                ],
                "type": "object",
                "description": "An object that contains payout amount and currency.",
                "properties": {
                  "amount": {
                    "type": "integer",
                    "description": "The payment amount. This is a whole number with an exponent e.g. if exponent is two, 250 is 2.50.",
                    "example": 250
                  },
                  "currency": {
                    "type": "string",
                    "description": " The three character currency code. See list of [supported currencies](/products/reference/supported-countries-currencies#iso-currency-codes).",
                    "example": "USD"
                  }
                }
              },
              "routing": {
                "type": "object",
                "properties": {
                  "preferredCardBrand": {
                    "type": "string",
                    "enum": [
                      "maestro",
                      "mastercard"
                    ],
                    "description": "Specifies the preferred card brand to be used for routing the transaction, where a card supports more than one routing option. If the supplied card brand is not supported by the card payout instrument, we will route the card payout to the available route. \n Available for US-domiciled merchants only."
                  },
                  "fallbackToBasic": {
                    "type": "string",
                    "enum": [
                      "disabled",
                      "enabled"
                    ],
                    "description": "We check whether the supplied card supports Visa Direct / Mastercard Send disbursements. By default, we will fall back to a [basic disbursement](/products/card-payouts/payouts#standard-payout) where we do not get a response from the scheme. Select this option to disable this behavior and instead receive an error."
                  }
                }
              }
            }
          },
          "merchant": {
            "required": [
              "entity"
            ],
            "type": "object",
            "description": "An object that contains information about the merchant.",
            "properties": {
              "entity": {
                "maxLength": 32,
                "minLength": 1,
                "pattern": "^([A-Za-z0-9]+[A-Za-z0-9 ]*)?$",
                "example": "default",
                "type": "string",
                "description": "Direct your payment to assist with billing, reporting and reconciliation. This is mandatory for authentication and queries."
              }
            }
          },
          "transactionReference": {
            "type": "string",
            "maxLength": 64,
            "minLength": 1,
            "pattern": "^[-A-Za-z0-9_!@#$%()*=.:;?\\[\\]{}~`/+]*$",
            "description": "A unique reference generated by you, used to identify a payout throughout its lifecycle."
          }
        }
      },
      "payouts_fastAccess_201_response": {
        "required": [
          "_links",
          "outcome",
          "receivedAt"
        ],
        "type": "object",
        "properties": {
          "outcome": {
            "type": "string",
            "description": "Outcome of payouts request.",
            "enum": [
              "requested",
              "pending",
              "approved",
              "disbursed",
              "refused",
              "error",
              "requestReceived",
              "inReview"
            ],
            "x-enumDescriptions": {
              "requested": "We have received your Fast Access disbursement. Retrieve the payout later to confirm status.\n",
              "pending": "We have sent your Fast Access disbursement request to Visa Direct/Mastercard Send. If there are no updates within 48 hours then this moves to an `error` outcome.\n",
              "approved": "Visa/Mastercard has approved your request and the funds are allocated within 30 minutes if the issuer is Fast Access enabled. If not, standard timescales apply.\n",
              "disbursed": "The transaction is reconciled with Visa/Mastercard’s daily reporting.\n",
              "refused": "Your Fast Access disbursement request is refused.\n- The card issuer declines the disbursement\n- Visa/Mastercard declines your request because the issuing bank is not responding\n- Disbursements are not allowed in the requested country\n",
              "error": "There is no response from Visa/Mastercard within 48 hours or Visa/Mastercard returns an error confirming the request has failed.\n",
              "requestReceived": "We have received your Fast Access disbursement request, but the card does not support Fast Access.\n",
              "inReview": "We are reviewing your Fast Access disbursement request. If the review is successful, then your payout is processed and moves to an `approved` or `refused` outcome. If the review fails, the payout moves to an `error` outcome.\n"
            }
          },
          "scheme": {
            "$ref": "#/components/schemas/scheme"
          },
          "receivedAt": {
            "type": "string",
            "description": "A timestamp of when the payout request was received."
          },
          "_links": {
            "type": "object",
            "properties": {
              "payouts:payout": {
                "type": "object",
                "description": "Your card payout resource.",
                "properties": {
                  "href": {
                    "type": "string",
                    "description": "Your card payout resource.",
                    "example": "https://try.access.worldpay.com/payouts/Mjp4VmNLR1YyYzJTYWtvTkdRS25adStRPT06QEVTL0NCRy9QS0NTMVBhZGRpfmc6a0NZTDVlQno3bDRRNWJtdGlpTlNpTlgtYnAFRmEwVFA2eFhBWlRyREtPRG1xdUJhE0JKamh6dmJhV1p2dmlOdlJBTkcrZXhIQmIrOEg3V2ZxajVud2hkQWFIMFCkQjVrencyc4VGL3gZU0k9"
                  }
                }
              }
            }
          }
        }
      },
      "payouts_fastAccess_400_response": {
        "type": "object",
        "properties": {
          "errorName": {
            "type": "string",
            "description": "Error name",
            "example": "bodyDoesNotMatchSchema"
          },
          "message": {
            "type": "string",
            "description": "Error message",
            "example": "There were field validation errors. The errors that occurred are within the validationErrors array."
          },
          "validationErrors": {
            "type": "array",
            "description": "Further error details",
            "items": {
              "type": "object",
              "properties": {
                "errorName": {
                  "type": "string",
                  "example": "fieldHasInvalidValue"
                },
                "message": {
                  "type": "string",
                  "example": "The identified field does not contain an expected value. This field must contain one of the expected valid values."
                },
                "jsonPath": {
                  "type": "string",
                  "example": "$.instruction.value.currency"
                }
              }
            }
          }
        }
      },
      "payouts_fastAccess_422_response": {
        "type": "object",
        "properties": {
          "errorName": {
            "type": "string",
            "description": "Error name",
            "example": "fieldHasInvalidValue"
          },
          "message": {
            "type": "string",
            "description": "Error message",
            "example": "Your merchant boarding process has not enabled payouts for this merchant entity. Please contact support, or use a valid entity."
          },
          "jsonPath": {
            "type": "string",
            "example": "$.merchant.entity"
          }
        }
      },
      "payouts_fastAccess_500_response": {
        "type": "object",
        "properties": {
          "errorName": {
            "type": "string",
            "description": "Error name",
            "example": "internalErrorOccurred"
          },
          "message": {
            "type": "string",
            "description": "Error message",
            "example": "An error occurred within the service (potentially due to an interaction with a downstream service)"
          }
        }
      }
    },
    "securitySchemes": {
      "BasicAuth": {
        "type": "http",
        "scheme": "basic"
      }
    }
  },
  "security": [
    {
      "BasicAuth": []
    }
  ]
}