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 secure account-to-account disbursements using either PayID or BSB and account number, with payment status updates and recipient validation handled through a single integration.

Disbursement App

The Send Payments capability is powered by the Disbursement App, allowing you to initiate outbound payments through Azupay without building and maintaining your own bank payment infrastructure.

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

• Send payments to recipients using PayID
• Send payments using BSB and account number
• Validate recipient details before payment
• Use Confirmation of Payee checks on supported payout flows
• Receive payment status updates and confirmations through API responses and webhooks

Choose how to send payments

How It Works

1. Create a payment

   Your system submits an outbound payment request to Azupay with the payment amount, reference, and recipient details.

2. Validate recipient details

   Where supported, Azupay performs checks on the provided PayID or BSB and account details before payment.

3. Review the result

   Azupay returns a validation or matching result to help determine whether the payment should proceed.

4. Send the payment

   Once confirmed, the payment is routed to the recipient using the selected payout method.

5. Receive payment status

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

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

    MB->>API: Submit outbound payment
    API->>DA: Validate recipient details
    DA-->>API: Validation / matching result
    API-->>MB: Review result

    MB->>API: Proceed with payment
    API->>DA: Process payment
    DA->>BANK: Send payment
    BANK-->>DA: Payment status
    DA-->>API: Payment result
    API-->>WH: Send payment status (webhook)
    WH-->>MB: Update refund / payout workflow

Why Use Send Payments

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

Flexible payout destinations Choose between PayID and BSB/account-based payouts depending on the recipient details you hold.

Recipient validation before payment Use validation and Confirmation of Payee checks to help reduce the risk of sending funds to the wrong recipient.

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

Operational efficiency Automate refund, supplier, reimbursement, and partner payment workflows through a single API-led solution.

Payment status visibility Receive payment confirmations and webhook updates so your systems can reconcile and respond quickly.

Who Should Use This