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Payouts are outgoing payments from your organization to recipients. Use payouts for refunds, vendor payments, employee reimbursements, and any scenario where you need to send funds.

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Overview

A payout sends funds from your organization’s vault to a recipient’s Stellar wallet. Key characteristics:
  • One-to-one — Single recipient per payout
  • Instant settlement — Funds arrive in 3-5 seconds
  • Approval workflow — Optional multi-level approval for security
For sending to multiple recipients at once, see Disbursements.

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Creating a Payout

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Step 1: Navigate to Payouts

Click Payouts in the sidebar, then click Create Payout.

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Step 2: Select Recipient

Choose how to specify the recipient:
OptionDescription
Select ClientChoose from your client database
Enter Wallet AddressEnter any Stellar address directly
If you select a client, their stored wallet address is used automatically.

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Step 3: Enter Payout Details

FieldRequiredDescription
AmountYesAmount to send
CurrencyYesHTG or USD
MemoNoNote for recipient (max 28 characters)

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Step 4: Review and Submit

Review the payout details, then:
  • Submit for Approval — If approval is required
  • Send Now — If you have permission to execute directly

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Payout Status

StatusDescription
Pending ApprovalAwaiting approval from authorized user
ApprovedApproved, ready to execute
RejectedApproval denied
ExecutingTransaction submitted to blockchain
SentSuccessfully completed
FailedExecution failed (can retry)

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Status Flow

Created → Pending Approval → Approved → Executing → Sent
                ↓                            ↓
             Rejected                     Failed → (retry) → Executing

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Approval Workflow

Depending on your organization’s settings, payouts may require approval:

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Single Approval

One authorized user must approve before execution.

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Multi-Level Approval

Large payouts may require multiple approvers:
  1. First approver reviews and approves
  2. Second approver reviews and approves
  3. Payout executes after all approvals

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Approval Thresholds

Your organization can set thresholds:
AmountApproval Required
< $100None (auto-approve)
100−100 - 1,000Single approval
> $1,000Two approvals
Contact your administrator to configure thresholds.

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Managing Payouts

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Viewing Payouts

The payout list shows all payouts with filtering options:
FilterDescription
AllAll payouts
Pending ApprovalAwaiting approval
ApprovedReady to execute
CompletedSuccessfully sent
FailedExecution failed

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Payout Actions

ActionWhen AvailableDescription
ViewAny statusSee full payout details
ApprovePending ApprovalApprove the payout
RejectPending ApprovalDeny the payout
RetryFailedAttempt execution again
CancelPending/ApprovedCancel before execution

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Viewing Payout Details

Click on any payout to see:
  • Recipient information — Client name and wallet address
  • Amount and currency — What was sent
  • Status history — Approval steps and timestamps
  • Transaction details — Blockchain transaction hash (for completed payouts)

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Transaction Verification

For completed payouts, you can verify the transaction on the Stellar blockchain:
  1. Copy the transaction hash
  2. Visit stellar.expert or stellarchain.io
  3. Search for the transaction hash

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Best Practices

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Before Sending

  • Verify the wallet address — Double-check before large payouts
  • Confirm the amount — Review the amount and currency
  • Add a clear memo — Help the recipient identify the payment

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Security

  • Use approval workflows — Require approval for payouts above a threshold
  • Separate duties — Different people create and approve payouts
  • Review regularly — Monitor payout activity in Reports

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Record Keeping

  • Use memos — Include reference numbers or descriptions
  • Link to clients — Send payouts to clients for better tracking
  • Export history — Download payout records for accounting

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Troubleshooting

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Payout Failed

Common reasons and solutions:
ReasonSolution
Invalid addressVerify the wallet address format
Insufficient balanceCheck your vault balance
Recipient account not activeRecipient needs to activate their Stellar account
Network issueRetry the payout

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Payout Stuck in Executing

If a payout stays in “Executing” status:
  1. Wait a few minutes — blockchain congestion may cause delays
  2. Check the transaction hash on a block explorer
  3. Contact support if the issue persists

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API Integration

For programmatic payout creation, see Payouts API.

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Next Steps