Send Payments

Send real-time payments directly to your customers’, suppliers’, and partners’ bank accounts using Azupay’s payout capabilities.

Built for Australian businesses, this solution enables fast, secure account-to-account disbursements using PayID and bank account details, with confirmation and status updates returned through the same API-led experience.

Disbursement App

The Send Payments capability is powered by the Disbursement App, allowing you to initiate outbound payments through Azupay using a single integration.

By integrating with Azupay via the Payment API, you can:

• Send payments to PayID or supported bank account details
• Trigger one-off payouts for refunds, reimbursements, supplier payments, and operational disbursements
• Validate recipient details before sending payment
• Receive payment status updates and confirmations through API responses and webhooks
• Use the same platform to support a range of payout use cases without building bank connectivity yourself

Azupay Account Check Service (Confirmation of Payee)

The Disbursement App includes Confirmation of Payee checks to help you validate the recipient before sending funds.

When you provide a PayID or BSB and account number, Azupay performs checks on the destination details and returns a matching result to help you decide whether to proceed with the payment.

This helps you:

• reduce the risk of sending funds to the wrong account
• improve confidence in recipient verification
• support internal review or approval workflows before payment is released

How It Works

1. Create a payment

   Your system submits a payment request to Azupay with the payment amount, reference, and destination account details.

2. Validate recipient details

   Azupay checks the PayID or BSB and account number provided and returns a matching result to help determine whether the payment should proceed.

3. Azupay routes the payment

   Once validated, Azupay prepares and routes the payment for bank processing.

4. Payment is sent

   The funds are sent to the recipient using the configured payout method.

5. Receive payment status

   Azupay returns the payment outcome and sends webhook updates so your systems can reconcile and update downstream workflows.

6. Complete operational workflow

   Your business can mark the refund, payout, or supplier payment as complete once status is confirmed.

sequenceDiagram
    participant MB as Merchant Backend
    participant API as Azupay API
    participant DA as Azupay Disbursement App
    participant BANK as Recipient Bank
    participant WH as Webhook Endpoint

    MB->>API: Submit outbound payment
    API->>DA: Validate recipient details
    DA-->>API: Matching score / validation result
    API-->>MB: Validation response

    MB->>API: Confirm and proceed with payment
    API->>DA: Process payment
    DA->>BANK: Send payment to recipient
    BANK-->>DA: Payment status / confirmation
    DA-->>API: Payment result
    API-->>MB: API response
    API-->>WH: Send payment status (webhook)
    WH-->>MB: Update refund / payout / supplier workflow

Why Use Send Payments

Real-time payouts Send funds quickly to recipients using account-to-account payment rails.

Recipient verification before payment Use Confirmation of Payee checks on PayID and bank account details before releasing funds.

Reduced payment errors Use matching results to help identify whether recipient details appear correct before proceeding.

Simplified bank connectivity Integrate once with Azupay instead of building and maintaining direct bank payout infrastructure yourself.

Flexible payout destinations Support PayID and bank-account-based payout experiences where applicable.

Operational efficiency Use API-driven payout flows for refunds, supplier payments, reimbursements, and other outbound payment operations.

Improved visibility Receive payment confirmations and webhook updates so internal systems can reconcile and act on status changes quickly.

Who Should Use This

• E-commerce → Send customer refunds quickly
• Platforms and marketplaces → Pay sellers, partners, or service providers
• Finance and operations teams → Automate supplier and reimbursement payments
• Customer support teams → Resolve payout and refund requests faster
• Businesses with regular outbound payments → Replace manual bank payment workflows with API-driven disbursements