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APIs/Card Payouts/
Fast Access payout

Fast Access payout

Request

Disburse funds to a payout instrument using Fast Access.

Security
BasicAuth
Bodyapplication/vnd.worldpay.payouts-v4+json
instructionobjectrequired

An object that contains all the information related to your payout request.

merchantobjectrequired

An object that contains information about the merchant.

transactionReferencestring, [ 1 .. 64 ] characters^[-A-Za-z0-9_!@#$%()*=.:;?\[\]{}~`/+]*$required

A unique reference generated by you, used to identify a payout throughout its lifecycle.

Successful issuing of a disbursal request

{
  "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"
}

Responses

The outcome of your Fast Access card payout request.

Bodyapplication/vnd.worldpay.payouts-v4+json
outcomestringrequired

Outcome of payouts request.

Enum ValueDescription
requested

We have received your Fast Access disbursement. Retrieve the payout later to confirm status.

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.

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.

disbursed

The transaction is reconciled with Visa/Mastercard’s daily reporting.

refused

Your Fast Access disbursement request is refused.

  • The card issuer declines the disbursement
  • Visa/Mastercard declines your request because the issuing bank is not responding
  • Disbursements are not allowed in the requested country
error

There is no response from Visa/Mastercard within 48 hours or Visa/Mastercard returns an error confirming the request has failed.

requestReceived

We have received your Fast Access disbursement request, but the card does not support Fast Access.

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.

schemeobject
receivedAtstringrequired

A timestamp of when the payout request was received.

Response

Successful issuing of a disbursal request

{
  "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
      }
    ]
  }
}