The NoFrixion Payments API supports multiple types of payouts depending on the destination and payment rail requirements. This document outlines the available payout types, what they are typically used for, and the required information for each.

🏦 Internal Account Payouts

Description:
Send funds between your own NoFrixion payment accounts. This is typically used for moving money between iyour own payment accounts.

Identifier: internal

Required Fields:

Internal account ID (selected from a dropdown list of your available accounts)

👤 Beneficiary Payouts

Description:
Send funds to a pre-configured, trusted beneficiary. Beneficiaries are managed separately and allow secure reuse of recipient details.

Identifier: beneficiary

Required Fields:

Beneficiary ID (from your saved beneficiaries)
Account name and identifier (automatically loaded)

🌍 IBAN Payouts

Description:
Payouts to a recipient's International Bank Account Number. This method is typically used for Euro payments within SEPA.

Identifier: iban

Required Fields:

Destination Account Name
Destination IBAN (e.g. IE78MOCK91012352877713)
Optional: Payment rail (e.g., SEPA Instant, SEPA Credit Transfer, TARGET2)

SCAN Payouts

Description:
Payouts using Sort Code and Account Number, typically used for payments in GBP or USD.

Identifier: scan

Required Fields:

Destination Account Name
Sort Code (e.g. 91-00-01). For USD Fedwire payments the routing number can be specified e.g. 026009593. Note for USD ACH payments use a Cross Border payout.
Account Number (e.g. 12345678)
Country Code (e.g. GB, US)
Optional: Charge bearer

🌐 Cross Border Payouts

Description:
Cross Border Payouts using Bank Identifier Code (BIC) and Account Number, commonly used for international wire transfers (non-SEPA). Cross Border payments encompasses the SWIFT payment network.

Identifier: bic

Required Fields:

Destination Account Name
BIC (e.g. NFXNIE22)
Account Number - depends on the destination institution. For example international payments to a NoFrixion account should use the full account IBAN as the account number. If the BSB and Account Number are needed they can be combined with the e.g. <BSB><Account Number>.
Most banks will provide documentation on what they require.
Country Code
Optional: Charge bearer

⚙️ Common Optional Fields

The following optional fields can be used depending on the payout type:

Payment Rail for Euro IBAN payouts
Select the preferred payment network. Options vary depending on the currency and destination:
- SEPA_INST – SEPA Instant
- SEPA_CT – SEPA Credit Transfer
- TARGET2 – High-value international payments (fees apply)
- Default – Let the system choose the best available option
Charge Bearer for Cross Border payouts
Determines who pays the payment fees:
- OUR – You (the originator) pay all fees
- BEN – The beneficiary pays all fees
- SHA – Fees are shared
- Default – Default system logic applies

📝 Summary

Type	Identifier	Description	Typical Use Case
Internal	`internal`	Between your NoFrixion accounts	Internal transfers
Beneficiary	`beneficiary`	To a saved trusted recipient	Repeated or secure recipient transfers
IBAN	`iban`	International Bank Account Number (SEPA)	EUR payments in Europe
SCAN	`scan`	Sort Code + Account Number	GBP or USD domestic transfers
Cross Border	`bic`	Bank Identifier Code + Account Number	International transfers (non-SEPA)

For implementation details, API examples, and field validation, see the Payout API Reference and integration guide.