Overview

A payout is the disbursement of funds from a platform to a merchant or beneficiary, typically representing the settlement amount after fees, taxes, adjustments, refunds, and any disputes. By Default, a PayMongo merchant will be enrolled in a weekly payout on every Wednesday, and the payout will be disbursed automatically to their PayMongo Wallet.

This document demonstrates Payout redirection from one PayMongo Wallet account to a bank account or another PayMongo Wallet using the PayMongo Workflow.

Basic Terminologies

Term	Definition
Payout	Disbursement of funds from PayMongo to the account based on fees, taxes, adjustments, refunds, and any disputes to the respective account’s PayMongo Wallet.
Wallet	An electronic wallet issued by PayMongo to store, manage, and move funds between one wallet and another wallet, or a wallet and bank accounts.
Workflow	An automation tool that enables you to automate money movements and customize how you move funds within PayMongo wallets or between PayMongo wallets and your Bank Accounts.
Parent Account	The primary Platform orchestrator. The primary merchant account registered with the Platform serves as the main contracting entity. It enables the creation and management of linked sub-merchants or child accounts, and remains responsible for their compliance with this Agreement, applicable laws, and Platform rules.
Child Account / Sub-account	Sub-merchants or entities managed by the Parent.

Pre-Requisites

An activated PayMongo account with PayMongo Wallet
Workflow feature is enabled in the PayMongo account(s). Kindly contact [email protected] to enable this functionality if it's not enabled.

Proposed Flows

In this scenario, whenever a payout is received by a PayMongo Wallet, an automatic trigger will execute a PayMongo Workflow. The PayMongo Workflow will execute a send_money step(s) which can send the Payout amount to several recipients, such as a bank account, another PayMongo Wallet, or an e-wallet.

Step 1: Create a Workflow

In this step, we will create a workflow definition that transfers the funds received from payouts in the PayMongo Wallet to the intended destination(s). We will use the send_money workflow step for this process. To create a workflow, use the Create a Workflow endpoint.

Resource URL

POST https://workflow-api.paymongo.com/v1/workflows

Request Example

This endpoint receives a text/plain request body. To include your workflow definition, place it in the request body as raw text.

curl --location 'https://workflow-api.paymongo.com/v1/workflows' \
--header 'Content-Type: text/plain' \
--header 'Authorization: Basic xxxxxx==' \
--data 'version: 1
name: "send-money-from-payout"
description: "Send money from Payout"
steps:
    - send_money:
        source:
            type: "wallet"
            account: "${merchant_account_number}"
        destination:
            type: "bank"
            account: "123456789012"
            account_name: "ACCOUNT NAME 1"
            bic: "RCBCPHMMXXX"
        provider: "auto"
        amount: "${net_amount}"
        currency: "PHP"
        notes: "Payout Disbursement"'

To check the details of send_money, kindly refer to the Send Money Step documentation . Based on the definition example, you can leave the source.account , provider, and amount parameters as is.

The source.account parameter will be automatically filled by the trigger
The provider = auto setting automatically switches the provider based on the payout amount.
The amount parameter will be automatically filled by the trigger.

Besides sending money to your bank account, you can also set the payout to another Paymongo Wallet, or you can also do a split payout with a percentage, as follows (Arithmetic Operation Support is not yet supported. The feature will be deployed in Week 2, March 2026):

curl --location 'https://workflow-api.paymongo.com/v1/workflows' \
--header 'Content-Type: text/plain' \
--header 'Organization-Id: org_k92tXwQfLJm8aZyR4vB1cNd7'\
--header 'Authorization: Basic xxxxxx==' \
--data 'version: 1
name: "send-money-from-payout"
description: "Send money from Payout"
steps:
    - send_money:
        source:
            type: "wallet"
            account: "${merchant_account_number}"
        destination:
            type: "bank"
            account: "123456789012"
            account_name: "ACCOUNT NAME 1"
            bic: "RCBCPHMMXXX"
        provider: "auto"
        amount: "0.3 * ${net_amount}"
        currency: "PHP"
        notes: "Payout Disbursement"
    - send_money:
        source:
            type: "wallet"
            account: "${merchant_account_number}"
        destination:
            type: "wallet"
            account: "775447521930"
            account_name: "PayMongo Wallet 1"
            bic: "PAEYPHM2XXX"
        provider: "auto"
        amount: "0.7 * ${net_amount}"
        currency: "PHP"
        notes: "Payout Disbursement to Parent Account"'

Response

Example response of the Workflow Creation:

{
    "id": "flow-J08KdKADWGgX1y3",
    "organization_id": "org_k92tXwQfLJm8aZyR4vB1cNd7",
    "name": "send-money-from-payout",
    "description": "Send money from Payout",
    "definition": {
        "steps": [
            {
                "action_name": "send_money",
                "amount": "${net_amount}",
                "currency": "PHP",
                "destination": {
                    "account": "123456789012",
                    "account_name": "ACCOUNT NAME 1",
                    "bic": "RCBCPHMMXXX",
                    "type": "bank"
                },
                "notes": "Payout Disbursement",
                "provider": "auto",
                "source": {
                    "account": "${merchant_account_number}",
                    "account_name": "",
                    "bic": "",
                    "payment_id": "",
                    "type": "wallet"
                }
            }
        ],
        "version": 1
    },
    "created_at": "2026-01-14T02:39:34.910765Z",
    "updated_at": "2026-01-14T02:39:34.910765Z"
}

Step 2: Create Trigger

In this step, we will attach a trigger to automatically execute the workflow that we created in the previous step. To create a trigger, you can use the Create a Trigger endpoint.

Resource URL

POST https://workflow-api.paymongo.com/v1/triggers

Request Example

This endpoint receives an application/json request body with two parameters: workflow_id and condition. Leave the condition parameter as shown in the example below:

curl --location 'https://workflow-api.paymongo.com/v1/triggers' \
--header 'Organization-Id: org_k92tXwQfLJm8aZyR4vB1cNd7' \
--data '{
    "workflow_id": "flow-J08KdKADWGgX1y3",
    "condition": {
        "event_name": "payout.deposited",
        "channel": "paymongo"
    }
}'

Response

{
    "data": {
        "id": "tr-1kEVLSVJMKhY5Vh",
        "organization_id": "org_k92tXwQfLJm8aZyR4vB1cNd7",
        "workflow_id": "flow-J08KdKADWGgX1y3",
        "state": "active",
        "condition": {
            "channel": "paymongo",
            "event_name": "payout.deposited"
        },jso
        "created_at": "2026-01-14T02:56:32.704988217Z",
        "updated_at": "2026-01-14T02:56:32.704988307Z",
        "deleted_at": null
    }
}```