1. Payouts
Merchant Warrior API 2.0
  • API
    • Getting Started
    • Guides
      • Xero Connection
      • Xero Custom URL
      • wooCommerce PayID
      • Middleware
      • Hostaway
    • Direct API
      • getAccessToken
      • processCard
      • processAuth
      • processCapture
      • processBatch
      • retrieveBatch (CSV)
      • retrieveBatch (JSON Response)
      • retrieveBatch (JSON Notify)
      • refundCard
      • queryCard
      • processDDebit
      • processDDebitAuth
      • processVoid
      • verifyCard
      • queryDD
      • queryBIN
      • getSettlement
      • checkEnrollment
      • checkPARes
      • addBlacklistedCard
      • removeBlacklistedCard
      • queryBlacklistedCard
      • simulateNotify
      • getSurcharge
    • 3DS 2.0
      • Introduction
      • 3DS 2 Authentication Flows
      • Step 3 - 3DS Method Data
      • Step 5 - Challenge
      • Step 1 - getAccessToken
      • Step 2 - checkEnrollment
      • Step 4 - checkTDSAuth
      • Step 6 - checkPARes
      • Step 7 - processCard
      • Authorization Only processCard
    • PayLink
      • Introduction
      • Generate PayLink
    • PayID
      • Introduction
      • Create
      • Transaction
      • Get
      • Update
      • Status
      • List
      • Refund
    • PayTo
      • Introduction
      • Simulator
      • Certification
      • Actions and Statuses
      • Agreements
        • Agreements
        • Notifications
        • Create Agreement
        • Get Agreement
        • Amend Agreement
        • Amend Agreement Status
        • Recall Agreement Action
      • Payments
        • Payments
        • Notifications
        • Create Payment
        • Get Payment
        • Get Payment Status
        • Search Payments
    • Confirmation of Payee
      • Introduction
      • Sandbox Simulations
      • Validate
    • POS
      • Introduction
      • processPOS
      • refundPOS
      • voidPOS
      • deregisterPOS
    • Web SDK
      • Introduction
      • Usage
      • getAccessToken
      • Options
      • Initiate
      • Payframe Functionality
      • Middleware
      • addCard
    • Payframe
      • Introduction
      • Usage
      • Constructor
      • tdsCheck
      • Additional Functions
      • Styling
      • processCard
      • processAuth
    • Digital Wallets
      • Apple Pay Prerequisites
      • Google Pay Prerequisites
      • Web SDK
      • Manual Integration
      • processCard
      • addCard
      • getMerchantSession
      • decryptApplePayToken
    • Token Payments
      • Introduction
      • Key Management
      • addCard
      • removeCard
      • cardInfo
      • changeExpiry
      • processCard
      • processAuth
    • Batch
      • Introduction
      • Card Batches
      • Token Batches
      • Direct Debit Batches
    • Forter
      • Introduction
      • Testing
    • Payouts
      • Introduction
      • Sandbox Simulations
      • Notifications
      • Create Payouts
        POST
      • Get Payout Status
        POST
      • Resend Notifications
        POST
      • Get Payout Transaction Status
        POST
      • Get Payout Transaction Notify
        POST
    • Partner API
      • Introduction
      • addMerchant
      • updateMerchant
      • checkMerchant
    • Notifications
      • Notifications
  • Hosted Payment Page
    • processCard
  1. Payouts

Notifications

Successful NPP Payout#

{
  "payoutId": "bd4c8094-9be4-11ef-8d36-005056a5521a",
  "reference": "5e643aa87cd34e8987859432d8f8fa17",
  "status": "complete",
  "createdAt": "2026-01-16 14:51:57",
  "lastUpdated": "2026-01-16 14:51:57"
  "payouts": [
    {
      "transactionId": "bdda6658-9be4-11ef-8d36-005056a5521a",
      "reference": "415e0eb04ada4d8ba3589fbe5830df8f",
      "status": "approved",
      "amount": 16,
      "type": "NPP",
      "createdAt": "2026-01-16 14:51:57",
      "lastUpdated": "2026-01-16 14:51:57"
    }
  ]
}

DE Fallback#

{
  "payoutId": "b044ccf7-f28e-11f0-a77e-005056a5521a",
  "reference": "7aa6be72615647ea8fb2f764f4bd0571",
  "status": "complete",
  "fundsSource": "payto",
  "createdAt": "2026-01-16 14:51:50",
  "lastUpdated": "2026-01-16 14:51:57",
  "payouts": [
    {
      "transactionId": "b43d7ac5-f28e-11f0-a77e-005056a5521a",
      "reference": "7619efb1788848439dfe1381027c0727",
      "status": "declined",
      "amount": 68,
      "type": "NPP",
      "createdAt": "2026-01-16 14:51:57",
      "lastUpdated": "2026-01-16 14:51:57",
      "result": [
        {
          "provider": "NPP",
          "response": {
            "status": "RJCT",
            "reasonCode": "AC14",
            "reason": "Account exists but cannot accept funds (unreachable via NPP)"
          }
        }
      ]
    },
    {
      "transactionId": "b43f60b3-f28e-11f0-a77e-005056a5521a",
      "reference": "7619efb1788848439dfe1381027c0727",
      "status": "pending",
      "amount": 68,
      "type": "DE",
      "createdAt": "2026-01-16 14:51:57",
      "lastUpdated": "2026-01-16 14:51:57"
    }
  ]
}

DE Approved#

{
  "payoutId": "f5fdabb8-9be4-11ef-8d36-005056a5521a",
  "reference": "32fc77b56cf54ff79f1bf191cc3ddfb7",
  "status": "complete",
  "createdAt": "2026-01-16 14:51:57",
  "lastUpdated": "2026-01-16 14:51:57"
  "payouts": [
    {
      "transactionId": "f632ed83-9be4-11ef-8d36-005056a5521a",
      "reference": "0740956a48b54d2cbc077db0bcea71a6",
      "status": "approved",
      "amount": 41,
      "type": "DE",
      "createdAt": "2026-01-16 14:51:57",
      "lastUpdated": "2026-01-16 14:51:57"
    }
  ]
}

DE Declined#

{
  "payoutId": "b044ccf7-f28e-11f0-a77e-005056a5521a",
  "reference": "7aa6be72615647ea8fb2f764f4bd0571",
  "status": "complete",
  "fundsSource": "payto",
  "createdAt": "2026-01-16 14:51:50",
  "lastUpdated": "2026-01-16 14:51:57",
  "payouts": [
    {
      "transactionId": "b43f60b3-f28e-11f0-a77e-005056a5521a",
      "reference": "7619efb1788848439dfe1381027c0727",
      "status": "declined",
      "amount": 68,
      "type": "DE",
      "createdAt": "2026-01-16 14:51:57",
      "lastUpdated": "2026-01-16 14:52:06",
      "result": [
        {
          "provider": "DE",
          "response": {
            "reason": "Account closed",
            "reasonCode": 8
          }
        }
      ]
    }
  ]
}

Payout Return Pending#

{
  "payoutId": "225adb2c-9be5-11ef-8d36-005056a5521a",
  "reference": "e1923233ae204fb78198179144066bbb",
  "status": "complete",
  "createdAt": "2026-01-16 14:51:57",
  "lastUpdated": "2026-01-16 14:51:57"
  "payouts": [
    {
      "transactionId": "267e2361-9be5-11ef-8d36-005056a5521a",
      "reference": "2f58f350cb314facb25c952bc994faad",
      "status": "return pending",
      "amount": 30,
      "type": "NPP",
      "createdAt": "2026-01-16 14:51:57",
      "lastUpdated": "2026-01-16 14:51:57"
    }
  ]
}

Payout Returned#

{
  "payoutId": "225adb2c-9be5-11ef-8d36-005056a5521a",
  "reference": "e1923233ae204fb78198179144066bbb",
  "status": "complete",
  "createdAt": "2026-01-16 14:51:57",
  "lastUpdated": "2026-01-16 14:51:57"
  "payouts": [
    {
      "transactionId": "267e2361-9be5-11ef-8d36-005056a5521a",
      "reference": "2f58f350cb314facb25c952bc994faad",
      "status": "returned",
      "amount": 30,
      "type": "NPP",
      "createdAt": "2026-01-16 14:51:57",
      "lastUpdated": "2026-01-16 14:51:57"
    }
  ]
}

Payout Return Declined#

{
  "payoutId": "58c68614-9be5-11ef-8d36-005056a5521a",
  "reference": "a5c8ace0e01847cd94604ac0b3506263",
  "status": "complete",
  "createdAt": "2026-01-16 14:51:57",
  "lastUpdated": "2026-01-16 14:51:57"
  "payouts": [
    {
      "transactionId": "5c6216f2-9be5-11ef-8d36-005056a5521a",
      "reference": "132291c0c2fe441793d558cd5d0afdf0",
      "status": "return declined",
      "amount": 95,
      "type": "NPP",
      "createdAt": "2026-01-16 14:51:57",
      "lastUpdated": "2026-01-16 14:51:57"
      "result": [
        {
          "provider": "NPP",
          "response": {
            "status": "RJCT",
            "reasonCode": "AB03",
            "reason": "Settlement process aborted due to timeout."
          }
        }
      ]
    }
  ]
}

Payout Declined#

{
  "payoutId": "83c64ded-7f53-11f1-9cf6-005056a5521a",
  "reference": "4a2a12ee85754a1bbf37914351f4948e",
  "status": "declined",
  "fundsSource": "payto",
  "createdAt": "2026-07-14 17:13:29",
  "lastUpdated": "2026-07-14 17:15:39",
  "payouts": [],
  "result": {
    "message": "There was an unexpected issue. If the problem persists, please contact the Merchant Warrior."
  }
}
Note: All dates presented are in AEDT time.
Modified at 2026-07-28 07:22:05
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