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

# Overview

> Explore the Cashfree Payouts APIs that disburse funds to bank accounts, UPI IDs, and cards with sandbox endpoints, authentication, and webhooks.

The **Payouts APIs** by Cashfree Payments provide secure, scalable RESTful endpoints for instant fund transfers. These APIs enable businesses to disburse payments directly to **bank accounts**, **UPI IDs**, or **cards** without manual intervention. With high success rates, consistent authentication, and robust error handling, Payouts ensure reliable and real-time disbursal operations across a range of business use cases.

The Payouts APIs are available for both **sandbox testing** and **production** environments, supporting webhook notifications, reconciliation capabilities, and multiple payout modes.

## Key features

The key features offered by Cashfree’s **Payouts APIs** are:

* **Instant fund transfers**: Process payouts to bank accounts, UPI, and cards 24×7.
* **Multi-mode disbursals**: Choose from IMPS, NEFT, RTGS, UPI, and card-based transfers.
* **Bulk payouts**: Automate thousands of payments in a single API call.
* **Dynamic beneficiary management**: Add, verify, and manage beneficiaries securely.
* **Advanced reconciliation**: Track transaction statuses with webhooks and detailed reporting.
* **Enhanced security and compliance**: PCI DSS-certified infrastructure with real-time fraud prevention through Payout Protect.

<Tabs>
  <Tab title="Core APIs">
    <div class="row relative lowmhr">
      <div class="col-md-6">
        <h4 class="text-gray-800 semibold dark:text-gray-500 pb-4">Fund transfer operations</h4>

        <a href="/docs/api-reference/payouts/v2/transfers-v2/standard-transfer-v2" class="text-cf bold">Standard Transfer V2</a>
        <p class="text-gray-500 dark:text-gray-500">Initiate single fund transfers to bank accounts, UPI, or cards with instant status updates.</p>

        <a href="/docs/api-reference/payouts/v2/transfers-v2/batch-transfer-v2" class="text-cf bold">Batch Transfer V2</a>
        <p class="text-gray-500 dark:text-gray-500">Automate large-scale disbursals using a single API request for multiple beneficiaries.</p>

        <a href="/docs/api-reference/payouts/v2/transfers-v2/get-transfer-status-v2" class="text-cf bold">Get Transfer Status V2</a>
        <p class="text-gray-500 dark:text-gray-500">Track and retrieve detailed status, failure reasons, and reconciliation data for transfers.</p>

        <a href="/docs/api-reference/payouts/v2/validate-payout-v2" class="text-cf bold">Validate Payout V2</a>
        <p class="text-gray-500 dark:text-gray-500">Validate a UPI VPA or phone number and obtain a single-use transfer token for Verify and Pay.</p>

        <a href="/docs/api-reference/payouts/v2/verify-and-pay-transfers-v2" class="text-cf bold">Process Validated Payout V2</a>
        <p class="text-gray-500 dark:text-gray-500">Initiate a UPI payout using the transfer token from Validate Payout V2.</p>
      </div>

      <div class="col-md-6">
        <h4 class="text-gray-800 semibold dark:text-gray-500 pb-4">Beneficiary management</h4>

        <a href="/docs/api-reference/payouts/v2/beneficiary-v2/create-beneficiary-v2" class="text-cf bold">Create Beneficiary V2</a>
        <p class="text-gray-500 dark:text-gray-500">Add and verify new beneficiaries securely before you initiate payouts.</p>

        <a href="/docs/api-reference/payouts/v2/beneficiary-v2/get-beneficiary-v2" class="text-cf bold">Get Beneficiary V2</a>
        <p class="text-gray-500 dark:text-gray-500">Retrieve beneficiary details and transaction history for reconciliation.</p>

        <a href="/docs/api-reference/payouts/v2/beneficiary-v2/remove-beneficiary-v2" class="text-cf bold">Remove Beneficiary V2</a>
        <p class="text-gray-500 dark:text-gray-500">Securely delete beneficiary records when they are no longer needed.</p>
      </div>
    </div>
  </Tab>

  <Tab title="Extended modules">
    <div class="row relative lowmhr">
      <div class="col-md-6">
        <h4 class="text-gray-800 semibold dark:text-gray-500 pb-4">Alternative payout methods</h4>

        <a href="/docs/api-reference/payouts/v2/create-cashgram" class="text-cf bold">Cashgram</a>
        <p class="text-gray-500 dark:text-gray-500">Generate one-time payout links to allow users to claim funds through their preferred mode such as UPI or bank transfer.</p>

        <a href="/docs/api-reference/payouts/v2/cardpay" class="text-cf bold">Card Payouts</a>
        <p class="text-gray-500 dark:text-gray-500">Send money directly to debit and credit cards for instant fund access.</p>

        <h4 class="text-gray-800 semibold dark:text-gray-500 pb-4 pt-4">Verify and pay (legacy V1)</h4>

        <p class="text-gray-500 dark:text-gray-500">Version 1: <a href="/docs/api-reference/payouts/v1/validate-payout-v1" class="text-cf bold">Validate Payout V1</a> and <a href="/docs/api-reference/payouts/v1/verify-and-pay-direct-transfer-v1" class="text-cf bold">Process Validated Payout V1</a>.</p>

        <p class="text-gray-500 dark:text-gray-500">Version 1.2: <a href="/docs/api-reference/payouts/v1/validate-payout-v1-2" class="text-cf bold">Validate Payout V1.2</a> and <a href="/docs/api-reference/payouts/v1/verify-and-pay-direct-transfer-v1-2" class="text-cf bold">Process Validated Payout V1.2</a>.</p>
      </div>

      <div class="col-md-6">
        <h4 class="text-gray-800 semibold dark:text-gray-500 pb-4">Business solutions</h4>

        <a href="/docs/api-reference/payouts/v1/oneescrow/create-virtual-account" class="text-cf bold">One Escrow</a>
        <p class="text-gray-500 dark:text-gray-500">Manage escrow accounts and automate settlements across buyers, sellers, and partners.</p>

        <h4 class="text-gray-800 semibold dark:text-gray-500 pb-4">Real-time updates</h4>

        <a href="/docs/api-reference/payouts/v2/webhooks/webhooks-v2" class="text-cf bold">Webhooks V2</a>
        <p class="text-gray-500 dark:text-gray-500">Receive real-time notifications on payout success, failure, or reversal events.</p>
      </div>
    </div>
  </Tab>
</Tabs>

## Get started

Use the following resources to begin implementing Cashfree Payouts:

<CardGroup cols={2}>
  <Card title="Product Documentation" href="/payouts/payouts/introduction" icon="book-open">
    Learn about Payouts features, sub-products, and setup process.
  </Card>

  <Card title="API Setup and Authentication" href="/api-reference/payouts/getting-started-with-payouts-apis" icon="code">
    Configure API keys, Postman collection, and security requirements.
  </Card>
</CardGroup>