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Requires X-Api-Key, X-Api-Secret, and Authorization: Bearer <user-jwt> headers. See Authentication for details.
Initiates a payout to a Colombian bank account through the Cobre payment network. The transactionId field acts as an idempotency key — use a unique UUID per operation to safely retry requests without risk of duplicate payouts.

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Request

POST /api/v1/user/payout

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Body

FieldTypeRequiredDescription
transactionIdstringYesUUID idempotency key — unique per operation
amountnumberYesAmount in COP centavos
assetstringYes"COP"
descriptionstringNoOptional description
providerstringNoPayment provider — defaults to "cobre"
destination.accountNumberstringYesBank account number
destination.accountTypestringYes"H" (savings) or "C" (checking)
destination.bankNamestringNoBank name
destination.bankNumberstringNoBank code
destination.ownerNamestringYesAccount holder full name
destination.ownerDocumentTypestringYes"CC", "CE", "NIT", "PA", or "PPT"
destination.ownerDocumentNumberstringYesDocument number
{
  "transactionId": "550e8400-e29b-41d4-a716-446655440000",
  "amount": 500000,
  "asset": "COP",
  "description": "Bank withdrawal",
  "provider": "cobre",
  "destination": {
    "accountNumber": "1234567890",
    "accountType": "H",
    "bankName": "Bancolombia",
    "bankNumber": "007",
    "ownerName": "Juan Pérez",
    "ownerDocumentType": "CC",
    "ownerDocumentNumber": "1234567890"
  }
}

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Response

201 Created 
{
  "success": true,
  "paymentId": "pay_abc123",
  "status": "PENDING"
}
FieldTypeDescription
successbooleantrue when the payout was accepted
paymentIdstringCobre payment identifier
statusstring"PENDING" — payouts are processed asynchronously
Payouts are processed asynchronously. A PENDING status means the request was accepted by Cobre and is being processed. Poll Get transaction or listen for webhooks to track the final status.