> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fintoc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Send payouts to users or suppliers

> Send payouts from your Fintoc Account to third-party bank accounts over SPEI in Mexico or TEF in Chile, and track every status change with webhooks.

## What you'll build

Send money from your Fintoc `Account` to a third-party bank account, then track every status change through webhooks. In Mexico, payouts use the Sistema de Pagos Electrónicos Interbancarios (SPEI) rail. In Chile, payouts use the Transferencia Electrónica de Fondos (TEF) rail. Settlement timing depends on the rail.

## When to use it

Use payouts for these money movement flows:

* Loan disbursements and refunds.
* Marketplace payouts to sellers.
* Wallet withdrawals.
* Vendor and supplier payments.

## How it works

```text theme={null}
1. Your backend POSTs /v2/transfers.
2. Fintoc submits to SPEI (MX) or TEF (CL).
3. Webhook fires: transfer.outbound.succeeded / .rejected / .failed.
4. Your backend updates the user or order.
```

```mermaid theme={null}
sequenceDiagram
    autonumber
    participant You as Your backend
    participant Fintoc
    participant Rail as SPEI / TEF

    You->>Fintoc: POST /v2/transfers
    Fintoc-->>You: Transfer pending
    Fintoc->>Rail: Submit
    Rail-->>Fintoc: Settled / rejected
    Fintoc->>You: transfer.outbound.succeeded · .rejected · .failed
```

## Implementation checklist

Complete these steps to send a payout:

1. **Fund the source `Account`.** Send money from your company's external bank account to the `root_account_number` of your Fintoc `Account`.
2. **Create the transfer.** See [Send transfers → Create a transfer](/guides/transfers/outbound-transfers) for the full request format, examples for Mexico and Chile, and `counterparty` fields.
3. **Handle the webhooks.** See [Send transfers → Monitor status](/guides/transfers/outbound-transfers) for the event catalog and status semantics.
4. **Verify the destination first (optional).** If your customer entered the standardized Mexican bank account number (CLABE), see [Verify a CLABE before payout](/guides/transfers/transfers-use-cases/verify-a-clabe-before-paying-out).

## A common pitfall

Webhooks can arrive out of order. Always branch on `data.status` instead of the event arrival order. See [Send transfers → Monitor status](/guides/transfers/outbound-transfers) for status semantics.