curl --request POST \
--url https://sandbox.api.engagexpay.com/v3/transactions/transfer-payout \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--header 'X-Idempotency-Key: <x-idempotency-key>' \
--data '
{
"beneficiary_id": "e710eb60-f1cd-4e70-94df-6b99a7fcf58d",
"reference_id": "REF-12345-ABC",
"source_amount": 850,
"source_currency": "USD",
"deduct_from": "PREFUNDED_BALANCE",
"remarks": "Monthly payment for services",
"attachments": [
{
"remark": "Here is the INVOICE",
"uri": "/wNXjOoqF_testdoc6.jpg"
}
]
}
'{
"data": {
"transfer_id": "c78dee10-7c46-4ad5-8ac8-070e39d87ff1",
"reference_id": "REF-12345-ABC",
"deposit_instruction": {
"liquidation_address": "0x203061afd3f3dd5f5756cec992d1d247f7668384",
"currency": "USDC",
"rail": "POLYGON"
},
"quotation": {
"currency": "BDT",
"to_amount": 77350,
"developer_fee": 50
},
"created_at": "2026-01-01T07:35:53Z",
"expire_at": "2026-01-01T07:45:53Z"
}
}{
"message": "Authentication failed"
}{
"message": "<string>",
"errors": [
{}
]
}Create now, settle later
Create a Transfer V3
Initiate a transfer payout to a beneficiary.
Validation Rules:
- Send exactly one of
source_amountordestination_amount, never both source_amountminimum: 500 cents (5.00 in major currency units)- Attachments array is optional, but if provided must contain at least one item
POST
/
v3
/
transactions
/
transfer-payout
curl --request POST \
--url https://sandbox.api.engagexpay.com/v3/transactions/transfer-payout \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--header 'X-Idempotency-Key: <x-idempotency-key>' \
--data '
{
"beneficiary_id": "e710eb60-f1cd-4e70-94df-6b99a7fcf58d",
"reference_id": "REF-12345-ABC",
"source_amount": 850,
"source_currency": "USD",
"deduct_from": "PREFUNDED_BALANCE",
"remarks": "Monthly payment for services",
"attachments": [
{
"remark": "Here is the INVOICE",
"uri": "/wNXjOoqF_testdoc6.jpg"
}
]
}
'{
"data": {
"transfer_id": "c78dee10-7c46-4ad5-8ac8-070e39d87ff1",
"reference_id": "REF-12345-ABC",
"deposit_instruction": {
"liquidation_address": "0x203061afd3f3dd5f5756cec992d1d247f7668384",
"currency": "USDC",
"rail": "POLYGON"
},
"quotation": {
"currency": "BDT",
"to_amount": 77350,
"developer_fee": 50
},
"created_at": "2026-01-01T07:35:53Z",
"expire_at": "2026-01-01T07:45:53Z"
}
}{
"message": "Authentication failed"
}{
"message": "<string>",
"errors": [
{}
]
}Any fiat transactions submitted between 9:30 AM and 5:30 PM ET on a weekday are processed the same day. Transactions submitted outside these hours or on weekends will be settled the next business day.
This endpoint can only be used with beneficiaries created with
auto_settlement set to false.What changed from V2
| V2 | V3 |
|---|---|
| No idempotency header | X-Idempotency-Key header required. |
X-Idempotency-Key (up to 255 characters) with every new request. A UUID works well:
X-Idempotency-Key: 3f1c9a2e-7b4d-4e8a-9c21-5d6f0b8e1a47
V2 remains available at
POST /v2/transactions/transfer-payout. Transfers created on V3 must be settled with Settle a Transfer V3.Authorizations
Bearer token authentication. Obtain token from Issue a Token endpoint
Headers
Unique key that identifies this request. Use a new key for each new request. Maximum 255 characters.
Maximum string length:
255Body
application/json
Example:
"e710eb60-f1cd-4e70-94df-6b99a7fcf58d"
Your own identifier for this transfer.
Example:
"REF-12345-ABC"
Currency the funds are debited in.
Available options:
USD, USDC Example:
"USD"
Where the funds are drawn from. Only PREFUNDED_BALANCE transfers are eligible for refunds if they fail.
Available options:
PREFUNDED_BALANCE, LIQUIDATION_ADDRESS Example:
"PREFUNDED_BALANCE"
Example:
"Monthly payment for services"
Amount to debit, in cents (e.g. 850 = $8.50). Minimum 500 cents. Send this or destination_amount, never both.
Required range:
x >= 500Example:
850
Amount the beneficiary receives, in cents of the beneficiary's currency. Send this or source_amount, never both.
Example:
77350
Minimum array length:
1Show child attributes
Show child attributes
Response
Transfer created successfully
Show child attributes
Show child attributes
⌘I