# Payout


## 1. Introduction

A payout refers to the distribution of funds from a business, platform, or payment system to a recipient, such as a vendor, freelancer, or customer. It typically occurs when a company disburses earnings, refunds, commissions, or withdrawals.

PayWay provides two different types of payout services:
1. **Payout**: Distribute fund from your settlement account to recipients.
2. **Split & Payout** : Collect, split and distribute funds of a purchase transaction to  recipients. Split and Payout is available for the following PayWay products:
    1. Checkout
    2. Account on File and Card on file
    3. Payment Link (API Integration Only)
    4. ABA QR API
    5. Pre-auth

## 2. How it works   

### Beneficiary List
Before making a payout to a beneficiary or recipient, you must first add them to your beneficiary list. This ensures that the recipient is registered and eligible to receive payments.  

To add a beneficiary to the list, follow the [Add a beneficiary to whitelist](https://developer.payway.com.kh/add-a-beneficiary-to-whitelist-14530818e0.md) API specification. Once the beneficiary is added, it is automatically **enabled** and can start receiving the payments.  


When using **Payout** or **Split & Payout**, you must include the beneficiary details along with the payout amount in the `payout` instruction parameter. This step ensures that the payment is directed to the correct beneficiary with the specified amount.


If you want to **disable** the beneficiary, follow the [Update a beneficiary status](https://developer.payway.com.kh/update-a-beneficiary-status-14530817e0.md) API specification.


:::tip[]
The beneficiary must be either an **ABA Account holder** or **ABA Merchant**. For ABA account holders, you just need to have their **ABA Account** and for **ABA Merchant**, you need to have their **MID**.
:::


<Tabs>
  <Tab title="Payout">
To distribute funds from your settlement account to beneficiaries, please follow [Payout](https://developer.payway.com.kh/payout-14530816e0.md) API specification.
  </Tab>
  <Tab title="Split and Payout">
    #### **Checkout**
To use payout with a one-time checkout, you need to include the `payout` instruction in the request parameters. Please refer to the [Purchase](https://developer.payway.com.kh/purchase-14530820e0.md) API specification for details. 

#### **Account on File & Card on File**
To use payout with an account on file or card on file, you need to include the `payout` instruction in the request parameters. Please refer to the [Puchase using token](https://developer.payway.com.kh/purchase-using-token-14530833e0.md) API specification for details.  

#### **Payment Link**
Create a payment link with a `payout` instruction in the request parameters. Please refer to the [Create payment link](https://developer.payway.com.kh/create-payment-link-14530837e0.md) API specification for details.  

Once the customer makes a payment using the payment link, the funds will be split according to the instructions provided during the payment link creation.
    
    
#### **ABA QR API**

To create a QR with a payout, you need to include the `payout` instruction in the request parameters. Please refer to the [QR API](https://developer.payway.com.kh/qr-api-14530840e0.md) specification for details.  

Once the customer makes a payment using the QR, the funds will be split according to the instructions provided during the QR creation.


#### **Pre-auth**
When creating a pre-auth, you don't need to include the `payout` instruction parameter. However, you must include the payout instruction when completing the pre-auth. Please refer to the [complete pre-auth transaction with payout](https://developer.payway.com.kh/complete-pre-auh-transaction-with-payout-14666701e0.md) API specification for details.


  </Tab>
</Tabs>