# (New) Initiate a payout to a reference account

Initiates a payout to the reference account specified in the request payout. The specified reference account must be associated with the account specified in the request path. Payout will be executed after 2FA confirmation. This endpoint replaces old Reference Account Payouts endpoints which will be deprecated soon.

Endpoint: POST /v1/accounts/{account_id}/reference_account_payouts
Version: 1.0

## Path parameters:

  - `account_id` (string, required)

## Request fields (application/json):

  - `description` (string, required)
    A description for the payout, which is visible ot the customer.
    Example: "Withdrawal SPAY - DD.MM.YYYY"

  - `amount` (object, required)
    The amount of the payout.
    Example: {"value":100,"currency":"EUR","unit":"cents"}

  - `amount.value` (integer)
    The amount, in Euro cents.
    Example: 100

  - `amount.unit` (string)
    The unit of the given value.
    Example: "cents"

  - `amount.currency` (string)
    The currency.
    Example: "EUR"

  - `reference_account_id` (string, required)
    ID of the reference account to which the payout is directed. The reference account must be associated with the account specified in the request path.
    Example: "ee4cc80bee604de09d036d8b7a9b6cb0"

  - `authorized_person_id` (string)
    ID of the person who can authorise the payout

  - `reference` (string)
    A unique reference for the payout. Used as an idempotency key.
    Example: "9d2b59c2-c68f-413c-b2a9-a2f5bfd3f669"

  - `end_to_end_id` (string)
    An end-to-end ID for the payout.
    Example: "RF3-202101-123456"

  - `use_credit` (boolean)
    If true, the payout will include credit available to associated account when validating amout against balance.
    Example: true

  - `instant_payment_rail` (string)
    The payment rail to use for an instant payout. If not specified, a regular SEPA Credit Transfer is used.
    Enum: "sepa_instant"

## Response 201 fields (application/json):

  - `id` (string)
    Unique ID of the payout.
    Example: "4b157d71def54b5c9dac28ef1d04432csctp"

  - `reference` (string)
    A unique reference for the payout. Used as an idempotency key.
    Example: "9d2b59c2-c68f-413c-b2a9-a2f5bfd3f669"

  - `authorized_person_id` (string)
    ID of the person who can authorise the payout

  - `status` (string)
    Current status of the payout.
    Enum: "ACCEPTED", "DECLINED", "EXECUTED"

  - `end_to_end_id` (string)
    End-to-end ID of the payout.
    Example: "RF3-202101-123456"

  - `description` (string)
    A description for the payout.
    Example: "Payout for January 2021"

  - `reference_account_id` (string)
    ID of the reference account to which the payout is directed.
    Example: "d5325027ca2840d4b3a97b8ec8b837f0racc"

  - `decline_reason` (string)
    Contains a technical code for the payout if the  is . Check  for more information.
    Example: "instant_payment_rail_failure"

  - `decline_reason_details` (string)
    Contains a detailed reason why the payout was declined if the  is .

  - `amount` (object)
    Amount of the payout.
    Example: {"currency":"EUR","value":100}

  - `amount.value` (integer)
    The amount, in Euro cents.
    Example: 100

  - `amount.unit` (string)
    The unit of the given value.
    Example: "cents"

  - `amount.currency` (string)
    The currency.
    Example: "EUR"

  - `instant_payment_rail` (string)
    The payment rail used to make this an instant payout. If not present, the payout was done as a regular SEPA Credit Transfer.
    Enum: "sepa_instant"

## Response 202 fields (application/json):

  - `id` (string)
    ID of the change request.
    Example: "d6c778822b2d7bd3b778935bcfd02d1d3csc"

  - `updated_at` (string)
    Updation date and time
    Example: "2021-01-30T08:30:00Z"

  - `status` (string)
    Current status of the change request.
    Enum: "ACCEPTED", "AUTHORIZATION_REQUIRED", "CONFIRMATION_REQUIRED", "COMPLETED", "FAILED"

  - `url` (string)
    URL to use for authorizing the change request.
    Example: "https://api.solaris-sandbox.de/v1/change_requests/d6c778822b2d7bd3b778935bcfd02d1d3csc/authorize"

## Response 400 fields (application/json):

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `code` (string)
    Example: "invalid_request"

  - `title` (string)
    Example: "Invalid Request"

  - `details` (string)
    Example: "Request is invalid"

## Response 403 fields (application/json):

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `code` (string)
    Example: "build_pagination_headers_failure"

  - `title` (string)
    Example: "failed to build pagination headers"

  - `details` (string)
    Example: "cannot connect to database"

## Response 404 fields (application/json):

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `code` (string)
    Example: "model_not_found"

  - `title` (string)
    Example: "Model Not Found"

  - `details` (string)
    Example: "Model was not found"

## Response 500 fields (application/json):

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `code` (string)
    Example: "generic_error"

  - `title` (string)
    Example: "Internal Server Error"

  - `details` (string)
    Example: "Internal server error. occurred"