# Single Payout

Initiate single bank transfer payouts from your Atlas account to a recipient's bank account using the Create Payout API endpoint.

Single payouts allow you to transfer funds from your Atlas business account to a recipient's bank account. This is ideal for one-time payments, refunds, vendor payments, or any scenario where you need to send money to an individual recipient.

## [Payout parameters](https://docs.tryduplo.com/en/atlas/guides/single-payout#payout-parameters)

When creating a single payout, you need to provide the following parameters:

- `account_number`: The recipient's 10-digit bank account number.
- `bank_code`: The recipient's bank code. See [Getting bank codes](https://docs.tryduplo.com/en/atlas/guides/single-payout#getting-bank-codes) below.
- `account_name`: The recipient's account name. Must match the name registered with their bank. See [Getting account name](https://docs.tryduplo.com/en/atlas/guides/single-payout#getting-account-name) below.
- `amount`: The amount to send (e.g, `500`)
- `narration`: A description of the payment. This appears on the recipient's bank statement.
- `type`: The transfer type. Use `bank_transfer`.
- `currency`: The currency code. For example, `NGN`.
- `bank_name`: The recipient's bank name.
- `source_reference`: A unique string you provide to identify the payout. You can use it to look up the transaction later via the [Get Payout by Source Reference](https://docs.tryduplo.com/atlas/payouts/getPayoutTransactionBySourceReference) endpoint.

### [Getting bank codes](https://docs.tryduplo.com/en/atlas/guides/single-payout#getting-bank-codes)

Before initiating a payout, you need the recipient's bank code. Make a GET request to `banking/bank/{currency}` to retrieve all supported banks, then filter for your recipient's bank.

For example:

```javascript
const axios = require("axios");

const getBanks = async (currency) => {
  try {
    const response = await axios.get(
      `https://atlas.tryduplo.com/api/v1/banking/bank/${currency}`,
      {
        headers: {
          Authorization: "Bearer your_api_key",
          Accept: "application/json",
        },
      },
    );

console.log(response.data);
  } catch (error) {
    console.error(error.response.data);
  }
};

getBanks("NGN");
```

### [Getting account name](https://docs.tryduplo.com/en/atlas/guides/single-payout#getting-account-name)

The `account_name` you provide must match the name registered to the account number at the recipient's bank. Make a POST request to `banking/name-enquiry` with the account number and bank code to look it up.

```curl
curl -X POST "https://atlas.tryduplo.com/api/v1/banking/name-enquiry" \
  -H "Authorization: Bearer your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "accountNumber": "0123456789",
    "bankCode": "099858"
  }'
```

## [Initiating a single payout](https://docs.tryduplo.com/en/atlas/guides/single-payout#initiating-a-single-payout)

With the bank code and account name resolved, make a POST request to `payout/bank-transfer` to initiate the payout.

Before initiating a payout, ensure you have sufficient balance in your Atlas business account.

```curl
curl -X POST "https://atlas.tryduplo.com/api/v1/payout/bank-transfer" \
  -H "Authorization: Bearer your_api_key" \
  -H "Content-Type: application/json" \
  -H "Accept: application/json" \
  -d '{
    "account_number": "0123456789",
    "bank_code": "099858",
    "bank_name": "Kuda Microfinance Bank",
    "account_name": "John Doe",
    "amount": 50000,
    "narration": "Payment for services rendered",
    "type": "bank_transfer",
    "currency": "NGN",
    "source_reference": "SRC_PAYOUT_001"
  }'
```

On a successful request, you'll receive a response confirming the payout has been initiated:

```json
{
  "requestId": "96d34fbb-0589-492f-b621-f8fb8b649f8c",
  "requestTimestamp": "2026-03-21 11:13:56.980",
  "message": "Payout initiated successfully.",
  "statusCode": 200,
  "data": {
    "id": "019d1019-f9b3-70d2-be9f-cef3ec5b4566",
    "recipientAccountName": "John Doe",
    "recipientAccountNumber": "0123456789",
    "recipientBankName": "Kuda Microfinance Bank",
    "sourceReference": "SRC_PAYOUT_001",
    "paymentChannel": "Bank Transfer",
    "sessionId": null,
    "parentTransactionReference": null,
    "reference": "TRN_QELKDOVYYCFV",
    "amount": {
      "value": 50000,
      "currency": "NGN",
      "formatted": "NGN500"
    },
    "balance": {
      "value": 316,
      "currency": "NGN",
      "formatted": "NGN316"
    },
    "status": "Pending",
    "narration": "Payment for services rendered",
    "createdAt": "2026-03-21 12:13:51",
    "fee": [
      {
        "id": "019d1019-ff2c-70fb-af1c-6004b6d67dcb",
        "recipientAccountName": "-",
        "recipientAccountNumber": "-",
        "recipientBankName": "Master Wallet",
        "sourceReference": "SRC_PAYOUT_001",
        "paymentChannel": "Fees",
        "sessionId": null,
        "parentTransactionReference": "TRN_QELKDOVYYCFV",
        "reference": "TRN_KLXCE8TGZ0QS",
        "amount": {
          "value": 10,
          "currency": "NGN",
          "formatted": "NGN10"
        },
        "balance": {
          "value": 306,
          "currency": "NGN",
          "formatted": "NGN306"
        },
        "status": "Pending",
        "narration": "Payment for services rendered",
        "createdAt": "2026-03-21 12:13:53"
      }
    ]
  }
}
```

## [Fetching a payout by source reference](https://docs.tryduplo.com/en/atlas/guides/single-payout#fetching-a-payout-by-source-reference)

You can look up a payout using the `source_reference` you provided when initiating it. Make a GET request to `payout/transaction-by-source-reference/{sourceReference}`:

```curl
curl -X GET "https://atlas.tryduplo.com/api/v1/payout/transaction-by-source-reference/SRC_PAYOUT_001" \
  -H "Authorization: Bearer your_api_key" \
  -H "Accept: application/json"
```

On a successful request, you'll receive the payout transaction details:

```json
{
  "requestId": "abcd1234-5678-90ef-ghij-1234567890kl",
  "requestTimestamp": "2026-03-20 09:15:00",
  "message": "Payout transaction fetched successfully.",
  "statusCode": 200,
  "data": {
    "id": "019914a8-c4d0-7131-a5c9-b008f622813a",
    "recipientAccountName": "John Doe",
    "recipientAccountNumber": "0123456789",
    "recipientBankName": "Kuda Microfinance Bank",
    "sourceReference": "SRC_PAYOUT_001",
    "reference": "TRN_QELKDOVYYCFV",
    "paymentChannel": "Bank Transfer",
    "sessionId": null,
    "narration": "Payment for services rendered",
    "status": "Pending"
  }
}
```

If no payout is found for the provided source reference, the API returns a `404` response.

## [Webhook notifications](https://docs.tryduplo.com/en/atlas/guides/single-payout#webhook-notifications)

Atlas sends webhook notifications when a payout status changes, allowing you to track completion in real-time without polling the API. You will receive an `OUT_FLOW_PENDING_EVENT` when the payout is initiated and an `OUT_FLOW_SUCCESS_EVENT` when it completes. If the payout fails, you will receive an `OUT_FLOW_FAILED_EVENT`.

See the [webhook events](https://docs.tryduplo.com/atlas/guides/webhooks#webhook-events) reference for the full payload shapes.

Learn how to configure and verify webhooks in the [Configuring Webhooks](https://docs.tryduplo.com/atlas/guides/webhooks) guide.