Creates a new payment request based on the specified payment type.
Supports wallet-to-business transfers, wallet payouts to bank accounts,
and transfers within wallets. The payment type determines the required
fields and validation rules applied.
Overview of Payment Types
Before initiating a transaction, ensure you are selecting the appropriate payment type for your integration needs:
| Payment Type | Description | Key Dependency |
|---|---|---|
WALLET_PAYOUT | Payments sent to an external beneficiary outside of the Verto network. | Requires a pre-created and approved beneficiary. |
WALLET_TO_BUSINESS | Direct payments made to other businesses onboarded on Verto (V-Pay). | Requires the recipient's companyId. |
TRANSFER_WITHIN_WALLETS | Same-currency transfers between wallets owned by your organization (e.g., USD Wallet A to USD Wallet B). | Requires destination walletID. |
Sender information
The sender object is required for WALLET_PAYOUT payments where you are a fintech or financial institution making a payout on behalf of an underlying customer from your master wallet. This applies to both corporate and individual senders. It is not required for WALLET_TO_BUSINESS or TRANSFER_WITHIN_WALLETS payment types.
Not required if you are:
- An Atlas for Platform client — sender identity is established through the sub-account's KYB data
- A corporate sending on your own principal basis (e.g. supplier payments, payroll, merchant settlements)
- Initiating a payout from a sub-account — sender information is inherited from the sub-account directly
If you are unsure whether your use case requires a sender object, contact [email protected] before going live. See the Sender object guide for full field requirements.
NB: Attaching supporting documents to a payout is strongly recommended for high-value transactions or payments to higher-risk corridors. Kindly refer to the Payments Documents guide then call the Generate Upload Link endpoint to obtain a pre-signed URL for your document.
Payment purpose codes can be retrieved via the GET Payment Purpose Codes API.
Check your base URL
Each Verto service has its own host. Use the base URL shown in the endpoint definition on this page — do not reuse a host from another service.
Sandbox hosts end in
-sandbox.vertofx.com; the matching production host replacessandboxwithbeta. Sending a request to the wrong environment returns403.See URLs (Sandbox vs Production) for the full service-by-service list.