Verify Payout

The Verify Payout endpoint lets you check the current status and details of a payout (transfer) after it has been initiated.

Because transfers are asynchronous, a payout may not complete immediately. Verification helps you:

• Confirm whether funds were successfully delivered
• Check if a transfer is still processing
• Identify failures, reversals, or blocks
• Support customer and vendor inquiries

Endpoint

GET /v2/payouts/{reference}/verify
Host: api.chapa.co

Authentication

Headers

Path Parameter

Example Request

GET https://api.chapa.co/v2/payouts/PAYOUT_20251107_001/verify
Authorization: Bearer CHAPA_TEST_xxxxxxxxxxxxx
Content-Type: application/json

Example Response

{
  "status": "success",
  "message": "Payout verification successful",
  "data": {
    "merchant_reference": "PAYOUT_20251107_001",
    "amount": 150000,
    "currency": "ETB",
    "status": "completed",
    "account_number": "1001234567890",
    "account_name": "Abebe Kebede",
    "bank_slug": "ABY",
    "service_fee": 1500,
    "created_at": "2025-11-07T12:10:00Z",
    "updated_at": "2025-11-07T12:15:00Z",
    "processed_at": "2025-11-07T12:15:00Z",
    "reason": "Vendor payout for service"
  }
}

Response Fields

Transfer Object (data)

Transfer Statuses

How to Use Verification

Typical Flow

1. Initiate transfer (POST /v2/payouts)
2. Receive initial pending status
3. Wait for webhook or poll verification
4. Act based on final status:
   • completed → mark payout successful
   • failed / reversed → notify user or retry
   • auth_needed / otp_needed → prompt for required action

Best Practices

• Prefer webhooks for final status updates
• Use verification as a fallback or manual check
• Store all status changes for audit and reconciliation
• Never assume completion immediately after creation

Common Errors

Next Steps

• Payout - Initiate a payout
• Bulk Payout - Send multiple payouts
• Webhooks - Handle payout events