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

# Payouts

> Send funds from your wallet to Vita users, bank accounts, or external blockchain addresses through a single endpoint.

![Payouts — Vita Wallet Business API](https://mintcdn.com/vitawallet-c171bb38/x9QnExFZXGtdGNf4/api-reference/_assets/payouts-hero.svg?fit=max\&auto=format\&n=x9QnExFZXGtdGNf4\&q=85\&s=2887c5a6287762bdbffd71d682deb900)

Vita lets your business send funds from your wallet to multiple destinations through a unified **payouts** system. Every payout is created against the same endpoint — the `transactions_type` field in the request body determines which kind of payout is executed.

This gives you one consistent integration for internal user transfers, international bank withdrawals, and crypto payments.

## Available payout types

> [card] [Vita Sent](https://docs.vitawallet.io/api-reference/vita-sent/overview.md)
>
> `transactions_type: vita_sent`
>
> Send money instantly to any Vita Wallet user by email, or to an internal blockchain address.

> [card] [Bank Payout](https://docs.vitawallet.io/api-reference/bank-payouts/overview.md)
>
> `transactions_type: withdrawal`
>
> Pay out fiat currency to local or international bank accounts in any supported country.

> [card] [Crypto Payout](https://docs.vitawallet.io/api-reference/external-crypto-payouts/overview.md)
>
> `transactions_type: crypto_payout`
>
> Send USDT or USDC to an external blockchain address or to a Vita user by email.

## Transaction lifecycle

All payouts flow through a defined set of statuses:

**1. Started**

The transaction has been created.

**2. Processed**

Vita Business is processing the transaction.

**3. Pending**

The transaction is awaiting its final resolution.

**4. Completed or Denied**

The transaction has reached its final status.

> [!NOTE]
>
> **Vita Sent** and crypto payouts to internal users reach their final status immediately. **Bank Payouts** and **external crypto payouts** may go through the full lifecycle before being completed or denied.

## Receiving status updates

### Webhooks (recommended)

Webhooks are the recommended way to receive final-status notifications for payouts — they're reliable, secure, and event-driven. See the [Webhooks section](https://docs.vitawallet.io/api-reference/webhooks/overview.md) for setup.

### Legacy IPN (deprecated)

> [!WARNING]
>
> **IPN notifications are deprecated** and will be removed in the future. Please migrate to **Webhooks** as soon as possible.

The `url_notify` field is part of the legacy **IPN (Instant Payment Notification)** system. It's still functional for existing integrations:

* If included in the request body, Vita Business sends a `POST` to that URL whenever the transaction reaches a final status.
* Notifications retry every 10 minutes for up to 30 days, until your server responds with `200`.
* The payload includes `status`, `order`, and `wallet` (with `uuid` and `token`).
* Validate the signature using the request body and the `Authorization`, `X-Date`, `X-Login`, `X-Trans-Key` headers.

If you're starting a new integration, use Webhooks instead.

## Common endpoint

All payout types are created through the same endpoint:

```http theme={null}
POST /api/businesses/transactions
```

The only difference between payout types is the value of `transactions_type` and the type-specific parameters (`email` for Vita Sent, `bank_account` for bank payouts, `to_address` + `network_id` for external crypto payouts).


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