canonical: https://jentic.com/apis/payoneer.com/payoneer-payouts

# Payoneer Payouts API

Payoneer Payouts API enables businesses to send mass payments to payees worldwide across bank accounts, cards, and local payment methods. The API covers the full payout lifecycle from payee registration and onboarding through payment creation, batch processing, status tracking, and reconciliation reporting. Companies can manage program balances, verify payee eligibility, send individual or bulk payouts, and generate compliance reports - all through a unified REST interface that handles cross-border payments, currency conversion, and local settlement.

## For AI agents

Send global mass payouts through Payoneer, onboard and manage payees, process single and batch payments, track payout status, and generate reconciliation reports.

## Scope

Does not handle incoming payments, invoicing, checkout flows, or merchant acquiring - use for outbound payouts to contractors, suppliers, affiliates, and marketplace sellers only.

## Capabilities

- Register new payees with registration link generation and redirect configuration
- List and retrieve payee details including status, contact information, and available payout methods
- Check payee verification status and eligibility for receiving funds
- Create individual payouts with amount, currency, description, and idempotency support
- Submit batch payout requests for processing multiple payments in a single API call
- List and retrieve payout details with filtering by date, payee, status, and group
- Track payout status transitions from pending through funded, cancelled, or returned
- Query program details and available balance before initiating payouts
- Generate payout reports in JSON or CSV format for reconciliation and accounting
- Manage OAuth 2.0 authentication flow with client credentials grant
- Group related payouts for batch tracking and reporting purposes

## Use cases

### Contractor and Freelancer Payments

Companies with distributed workforces use Payoneer to pay contractors, freelancers, and remote employees across borders. The payer first creates a payee registration link, sends it to the contractor, then initiates payouts once the payee completes verification. Payoneer handles currency conversion, local settlement, and compliance - the contractor receives funds in their local bank account or card. Typical integration takes 1-2 weeks and supports 200+ countries.

Example prompt: Register a new contractor in Poland, wait for verification, then send a $1,500 USD payout for completed work

### Marketplace Seller Payouts

E-commerce marketplaces and platform businesses use the batch payout endpoint to pay sellers and merchants at scale. After aggregating sales and fees, the platform calls POST `/programs/{program_id}/payouts/batch` with an array of payee_id and amount pairs. Payoneer processes all payments in parallel, handles compliance checks, and reports status per payout. Platforms can group related payouts for reconciliation and generate CSV reports for accounting.

Example prompt: Send weekly payouts to 200 marketplace sellers with a single batch request, group them by batch ID, and download a CSV report for finance

### Affiliate and Partner Commissions

Affiliate networks and partner programs use Payoneer to automate commission payments. The network tracks conversions and commissions in their system, then calls the Payouts API monthly or quarterly to distribute earnings. By filtering the payee list by status=ACTIVE, they ensure only verified affiliates receive funds. The API supports payment_id for idempotency so duplicate payouts are prevented even if the commission job runs twice.

Example prompt: Calculate affiliate commissions for Q1, create payouts for all ACTIVE affiliates, and track each payout status until FUNDED

### AI Agent Payout Operations

Through Jentic, AI agents can manage Payoneer payout operations - registering payees, checking balances, sending individual and batch payouts, and generating reports - without holding OAuth credentials directly. Jentic isolates the client secret, handles token refresh, and returns structured responses that agents can reason over. This enables autonomous payout workflows for gig platforms, creator economies, and global disbursement systems.

Example prompt: Search Jentic for 'send payoneer payout', load the schema for POST `/programs/{program_id}/payouts`, and execute it for a €500 test payout to a verified payee

## Key endpoints

| Method | Path | Description |
| --- | --- | --- |
| POST | `/programs/{program_id}/payees` | Create payee registration link |
| GET | `/programs/{program_id}/payees` | List all payees with status filtering |
| GET | `/programs/{program_id}/payees/{payee_id}/status` | Check payee verification status |
| POST | `/programs/{program_id}/payouts` | Create single payout |
| POST | `/programs/{program_id}/payouts/batch` | Create batch payouts |
| GET | `/programs/{program_id}/balance` | Get program balance |

## Key resources

- **Authentication** — OAuth 2.0 token generation and management
- **Programs** — Program details and balance queries
- **Payees** — Payee registration, listing, and status verification
- **Payouts** — Single and batch payout creation and tracking
- **Reports** — Payout reconciliation and accounting reports

## Why Jentic

- **Setup:** Wiring Payoneer Payouts by hand means running its OAuth 2.0 client credentials flow, refreshing access tokens, and coding calls against payees, payouts, and balance for each program yourself. Through Jentic you install once, import Payoneer from the API Directory, store the client credentials once, and your agent calls it.
- **Permission scoping:** Payoneer puts the program id in the URL path (`/programs/{program_id}/payees`), so a rule can pin your agent to one program: it can register payees and read balance for that program and nothing else. You choose the operations it may call, so sending single or batch payouts is not included unless you add them.
- **Credential handling:** Your Payoneer OAuth client credentials are stored once, encrypted, by your own Jentic One instance and injected at execution time, with access tokens managed for you. They never enter the agent's prompt, logs, or context.
- **Discovery method:** Agents search Jentic by intent such as 'send a payout to a contractor' or 'check a program balance', and Jentic returns the matching Payoneer operation with its parameter schema so the agent calls the right endpoint without browsing the reference docs.

## Related APIs

- **Stripe Connect Payouts API** — Stripe Connect handles payouts to connected accounts, typically for marketplace platforms.
- **PayPal Payouts API** — PayPal Payouts sends money to PayPal accounts and eligible cards.

## FAQ

### What authentication does the Payoneer Payouts API use?

Payoneer uses OAuth 2.0 with client credentials grant. You exchange your client ID and secret for an access token via POST `/oauth2/token`, then include the token in the Authorization header for subsequent requests. Through Jentic, the client secret is stored encrypted and tokens are managed automatically.

### Can I send payouts to multiple countries with one API call?

Yes. Use POST `/programs/{program_id}/payouts/batch` to send an array of payouts in a single request. Each payout can have a different payee, currency, and amount. Payoneer handles currency conversion, local settlement, and compliance for all countries in the batch.

### How do I register new payees?

Call POST `/programs/{program_id}/payees` with the payee_id from your system. Payoneer returns a registration_link that you send to the payee. They complete verification on the hosted page, and their status changes to ACTIVE when eligible to receive funds. Check status with GET `/payees/{payee_id}/status.`

### What payout methods does Payoneer support?

Payoneer supports bank transfers, prepaid Mastercard, local payment methods, and ACH depending on the payee's country. Each payee selects their preferred method during registration. The API returns available payout_methods in the payee object.

### What are the rate limits for the Payoneer Payouts API?

Payoneer does not publish hard rate limits in the public spec. For production workloads, expect to handle dozens of requests per second for listing and status checks, and several batch payout requests per minute. Contact Payoneer support for specific limits based on your program volume.

### How do I prevent duplicate payouts?

Include a unique payment_id in your payout request. Payoneer uses this for idempotency - if you retry the same payment_id, you get the original payout status back instead of creating a duplicate. This is critical for scheduled payout jobs that might run twice.

### Can I limit what my agent is allowed to do with the Payoneer Payouts API?

Yes. Jentic One is self-hosted, so your own rules decide which operations and credentials the agent may use, and because Payoneer puts the program id in the URL path (`/programs/{program_id}/payees`) you can pin the agent to a single program, letting it register payees and read the balance for that program and nothing else. You choose the operations it may call, so sending single or batch payouts is excluded unless you explicitly add those operations.