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PCX supports outbound payments — payouts — to bank accounts, mobile money wallets, and crypto addresses. Whether you are paying a supplier, disbursing wages, settling a marketplace transaction, or running an off-ramp, PCX routes each payment based on currency, country, and method.

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Payout methods

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How a payout flows through PCX

All payout flows share the same initiation path. The key difference from a collection is direction: "payout" (for single-currency) or including an org_rate_id for cross-border:

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Cross-border payouts

For cross-border remittances — collecting in one currency and disbursing in another — PCX handles the FX conversion as part of the payment flow:
  1. Fetch a locked exchange rate → receive org_rate_id
  2. Initiate a payin in the source currency with org_rate_id
  3. PCX converts at the locked rate and initiates the payout to the beneficiary in the destination currency automatically
The direction on the API call is payin for cross-border flows — it refers to the collection leg. The outbound payout to the beneficiary is triggered internally once the payin confirms. See Exchange Rates and Fees for rate management.

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Prerequisites

Before disbursing funds:
  1. Your organization must be KYB-verified — see Organizations
  2. You need a valid API key — see Authentication
  3. The recipient must be registered as a Beneficiary
  4. For NGN bank payouts, optionally validate the account — see Beneficiary Validation
  5. Register a webhook endpoint to receive payment.completed and payment.failed — see Webhooks

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Idempotency

PCX does not implement server-side idempotency keys. Before initiating a payout, check whether a payment with the same client_reference already exists to avoid duplicate disbursements. Use a deterministic client_reference (e.g. PAYOUT-{order_id}) on every request so duplicate retries can be detected on your side.