Atlas for Platform — Payouts

This guide covers making payouts from a sub-account to an external beneficiary.

Key differences from Global Clearing

Payout flow

Step 1 — Validate the beneficiary account (optional, NGN only)

Optionally validate the destination account using the Get Account Name endpoint before creating the beneficiary.

Step 2 — Create a beneficiary

Create a beneficiary using the Create Beneficiary endpoint. Only beneficiaries with a status of approved can receive payments.

See the Bank codes & market requirements guide for country-specific requirements.

Step 3 — Check wallet balance

Confirm the sub-account wallet has sufficient funds using the Get Wallet endpoint before initiating the payout.

Step 4 — Request a payout

Submit the payout using the Create Payment Request endpoint.

{
  "beneficiaryId": 278,
  "purposeId": 12,
  "amount": 100,
  "walletId": 1,
  "clientReference": "your-reference",
  "paymentId": "a7600e0e-a973-4d26-b15c-89de5836e900"
}

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Sender object not required

All flows on Atlas for Platform originate at sub-account level. Sender identity is established through the sub-account's KYB data and director consent — no sender object is needed in the payout request.

Step 5 — Track payment status

We recommend subscribing to webhooks to receive real-time status updates rather than polling. See the Webhooks guide for setup instructions.

API response states

Webhook states

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Compliance holds

On rare occasions payments may be held for compliance review. Verto will reach out with an RFI if this occurs. Check payment status at any time using the paymentId via the Get Payment endpoint.