Create an Airwallex account and enable the Payouts API in your developer settings; obtain a client ID and API key from the Airwallex Dashboard under Developers > API keys.
Authenticate via POST /api/v1/authentication/login using your client ID and API key to receive a JWT token valid for a fixed duration — store it securely and refresh before expiry.
Create a beneficiary for each payee via POST /api/v1/beneficiaries specifying bank_details (account number, routing code type appropriate for the destination country), entity_type (INDIVIDUAL or COMPANY), and address details.
Initiate a payout via POST /api/v1/payments/pay specifying beneficiary_id, source_currency (from your Airwallex wallet), payment_currency (destination currency), amount, and a unique request_id for idempotency.
Airwallex performs FX conversion if source and destination currencies differ — check the applicable FX rate via GET /api/v1/rates/retrieve before submitting to confirm margin; Airwallex settles from your source currency wallet.
Poll GET /api/v1/payments/{payment_id} or subscribe to payment.created and payment.status_updated webhook events to track payout status through PENDING, PROCESSING, PAID_OUT, or FAILED states.
Known gotchas
Your Airwallex source currency wallet must hold sufficient funds before initiating a payout — there is no automatic overdraft; prefund the appropriate wallet for each currency corridor you operate in.
Routing code type requirements vary by country (sort code for UK, BSB for Australia, ABA routing for US, IFSC for India, etc.) — submitting the wrong type causes immediate beneficiary validation failure; consult Airwallex's Supported Bank Fields documentation per destination country.
Airwallex introduced separate payout fee line items in November 2024 for new payouts — reconciliation logic that treats the gross payout amount as the net settlement amount will misbalance; always retrieve fee line items from the payment detail response.
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