'%20/%3e%3c/svg%3e){kind=small}
One API for money. Native tools for agents.
Payouts.com gives developers a unified gateway to payments, payouts, invoices, vendors, balances, banking, tax, approvals, AR, analytics, and more — and exposes the same tooling to AI assistants over the Model Context Protocol. Whether a payout is triggered by a human or an agent, it follows the same audited three-gate path.
{
"currency": "USD",
"rail": "instant",
"recipient": "acct_8Kd2Xa",
"idempotency_key": "ik_3Pf9Lq"
}
Auth
Validate
Route
Settle
Liverequests
Lowlatency
Operationaluptime
payout.settled
webhook · signed
Platform at a glance
One API for every money primitive
5ways to integrate
40+currencies
190+countries
Scopedaccess keys
Build
What you can build with
Dozens of tool categories, MCP for AI assistants, agent payment protocols, OpenAPI discovery, webhooks, hosted pay pages, and agent checkout — all behind one API and one set of scoped keys.
Tool API
A unified gateway with dozens of tool categories: payments, payouts, invoices, vendors, balances, banking, tax, approvals, AR automation, analytics, audit, escalations, NetSuite, factoring, security, data-protection, and onboarding.
Live request
POST
201 Created
78ms
{
"id": "po_8Kd2Xa",
"amount": 18420,
"currency": "usd",
"status": "queued"
}
webhook payout.created · delivered
API calls today48,200
Webhooks & discovery
Outbound events and inbound provider webhooks, machine-readable OpenAPI and well-known discovery endpoints, and shareable hosted pay pages for public payment requests.
Bulk payout file
Queued
RecipientAmountStatus
Northwind Ltd$1,200Queued
Globex S.A.$940Queued
Initech Inc.$620Queued
Soylent Corp$2,310Queued
Paid this run$312,000
MCP & agent protocols
Expose the platform's large tool library to AI assistants with dynamic tool discovery and rich interactive UI widgets rendered inside AI chats. Agent protocols include AP2, x402, A2A, UCP, an OpenAI tools adapter, intent search, and agent checkout.
Sandbox suite0 / 5 passed
- creates a payout pending
- enforces idempotency pending
- verifies webhook signature pending
- simulates ACH return pending
- lists ledger entries pending
Tests passing1,284
Reference
The complete API reference
Every endpoint, schema, and example — generated straight from our OpenAPI spec. Search it, expand any operation, and copy ready-to-run requests.
SDKs
Generated from the spec. Always current.
Whether you’re optimizing today or building for tomorrow we help you move faster with confidence.
TypeScript & Python SDKs
Fully typed, generated from the OpenAPI 3.1 spec.
npm i @payouts/sdk or pip install payouts — async or sync, Pydantic models, tree-shakeable, ESM + CJS. 600k weekly downloads.
SDK quickstart
index.tsmain.py
import { Payouts } from '@payouts/sdk'
const px = new Payouts(API_KEY)
const po = await px.payouts.create({
amount: 18420, currency: 'usd',
destination: 'acct_9Kd2Xa',
})
// → po.status === 'queued'
›
Weekly downloads600,000
Webhooks & MCP server
62 event types — HMAC-SHA256 signed, retried for 72 hours, SSE stream available. Point Claude, Cursor, or your own AI agent at mcp.payouts.com and call every endpoint as a tool.
Event stream
mcp.payouts.comSSE · HMAC
payout.createdsigned
payout.settledsigned
transfer.completedsigned
refund.createdsigned
balance.updatedsigned
payout.failedsigned
Events delivered1,280,000
Sandbox parity & CLI
Sandbox keys return real payload shapes with fake money. Force any rail outcome, replay any webhook, simulate any failure mode. The
payouts CLI tails events live and bootstraps fixtures in one command.
Sandbox CLI
$
Sandbox requests92,400
Status
99.997% uptime. Live transparency on every surface.
78ms p50, 412ms p99 on the US region. 90-day history on every component — API, dashboard, MCP server, ACH, RTP, SEPA, wire, FX. Subscribe via email, Slack, or webhook. Post-mortems for every Sev-1 in five business days, in public.
Platform status
All systems operational
Uptime99.997%
p50 latency78ms
p99 latency412ms
Requests / sec · last 60s
- REST APIOperational
- DashboardOperational
- MCP serverOperational
- WebhooksOperational
- ACH · RTP · SEPAOperational
FAQ
Frequently asked questions
Everything you need to know about the REST API, SDKs, webhooks, sandbox parity, and how to ship money movement in production.
Still have questions?
Is there one API or many?
One unified Tool API gateway covering dozens of categories, from payments to tax to onboarding.
Can AI assistants call the API directly?
Yes, via MCP, with dynamic tool discovery and interactive UI widgets rendered in the chat.
How are API keys secured?
With per-key scopes, expiry, IP allow-lists, and rate limits, plus HMAC verification on agent/API surfaces.
How are webhooks signed and retried?
Every webhook is HMAC-SHA256 signed with your endpoint secret. We retry for 72 hours with exponential backoff. Filter by event type, entity, or tag — and replay any delivery from the dashboard or
POST /v3/webhooks/:id/replay.What is the MCP server?
mcp.payouts.com is a Model Context Protocol server that exposes every Payouts endpoint as a tool for AI agents — Claude, Cursor, GPT, or your own. Scoped DIDs, spend caps, MCC allowlists, and hash-chained audit logs are built in.
Sandbox keys.
No card required.
Start building in 60 seconds. Read the reference, install an SDK, or point Claude at our MCP server — every dollar that moves through your company, one API call away.