Payment instructions (manual bank transfer)

Retrieves the data your customer needs to pay a checkout manually via bank transfer — recipient name, IBAN, local account number (CZ/SK), variable symbol, amount, currency and a ready-to-render QR code. No email is sent by this endpoint; it is intended for cases where you want to render the instructions in your own UI (invoice, thank-you page, PDF, etc.).

Prerequisites

• The merchant account has bank transfer enabled for the checkout's currency. If not, the endpoint returns 409. Enabling bank transfer is done by Payout support / in backoffice.

The endpoint returns one set of payment instructions per call — beneficiary, IBAN, variable symbol and a QR code matching the standard used in the checkout currency's country. The customer scans/uses it without needing to choose anything.

Flow

1. Generate api key and secret

   • You can do it in backoffice (Sandbox or Production) after you have already created account.

2. Make authorization call to get Bearer token

   Command Line

   curl --location --request POST 'https://sandbox.payout.one/api/v1/authorize' \
   --header 'Content-Type: application/json' \
   --header 'Accept: application/json' \
   --data-raw '{
    "client_id": "DC995618-7ED8-4070-9DA0-48B6F86551C3",
    "client_secret": "q3dpHpYtDrH-KmGD4HMn5OTEx6IsZPBokQ8CqMONWqMSEePWy9bXd3Ua3KvO7f6C"
   }'
   

   Response of this call looks like this:

   JSON

   {
    "token": "SFMyNTY.g2gDYSFuBgCaSXELfgFiAAFRgWnBcvEfet1jIr9OPF984RGTKu-8HcHPQKJitk_kJKiU",
    "valid_for": 6000
   }
   

3. Create a checkout in the usual way (see Simple payment). Keep the returned id — you will need it in the next step.

4. Call the payment_instructions endpoint with the checkout id. It's a GET HTTP call that requires only the Authorization header with the Bearer token from step 2.

   Command Line

   curl --location --request GET 'https://sandbox.payout.one/api/v1/checkouts/141447/payment_instructions' \
   --header 'Authorization: Bearer SFMyNTY.g2gDYSFuBgCaSXELfgFiAAFRgA.WnBcvEfet2jJr4OPF984RGTKu-8HcHPQKJitk_kJKiU' \
   --header 'Accept: application/json'
   

5. Process the response

   JSON

   {
     "recipient_name": "Payout a.s.",
     "iban": "SK3883300000003175133001",
     "account_number": "000000-3175133001/8330",
     "variable_symbol": "8430300911",
     "amount": "0.0100",
     "currency": "EUR",
     "qr_code": "iVBORw0KGgoAAAANSUhEUgAAAX8AAAHBCAYAAACBh..."
   }
   

   Field	Description
   recipient_name	Name of the beneficiary the customer should send the money to.
   iban	Beneficiary IBAN in international format.
   account_number	Beneficiary account in local format (prefix-account/bank_code). Currently filled for Czech (CZ) and Slovak (SK) IBANs; null for other countries.
   variable_symbol	Variable symbol the customer must include in the transfer. It binds the incoming payment to the checkout.
   amount	Total amount to transfer, decimal string (e.g. "0.0100").
   currency	ISO 4217 currency code.
   qr_code	Base64-encoded PNG of the payment QR. Render directly with <img src="data:image/png;base64,${qr_code}" />.

   Note

   The QR is cached server-side, so repeated calls for the same checkout return the same image without hitting the upstream QR generator again.

Error responses