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Overview

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A Payout is a payment made by a company to a non-employee for services rendered. This includes payments to ride-hailing drivers, delivery agents, home rental hosts, freelancers, influencers, streamers, and gamers.

PagSeguro offers two ways to make payouts:

Learn more about the Brazilian payout landscape in our whitepaper.

While MyAccount provides a simple interface for manual payouts, the API is designed for scalability, automation, and seamless integration into your systems.

With PagSeguro Payout, you can simplify cross-border payments while handling currency conversion, fees, and compliance through a single integration.

How Payouts Work

The payout process involves a few simple steps from setup to execution:

Payout flow

  1. Onboarding: The Merchant signs a contract and completes API integration and/or MyAccount integration.
  2. Prefunding: The merchant deposits funds in USD or EUR to their PagSeguro balance.
  3. Operation: The merchant initiates a payout via API or MyAccount.
  4. Payee Request: The payee can request a payout using destination keys depending on the payment method:
    1. PIX: PIX Key (Brazil-only payments).
    2. PagBankPagBank registered e-mail (Brazil-only payments,
    3. Bank Transfer: Bank account details (LATAM gateway payments).
  5. Done: Within minutes, the payment will be available at the payee´s account (PagBank free digital account, PIX, or Bank Transfer).

Merchant Requirements

To start processing payouts, merchants must:

Merchant onboarding flow

  1. Register on MyAccount. A commercial representative will contact you to guide you through the next steps.
  2. Contract Signing: Complete the internal contract validation process.
  3. Integration Testing: Access the Sandbox environment with full engineering support from PagSeguro.
  4. Prefunding: Deposit funds to your payout balance (USD or EUR).
  5. Go Live: You're ready to process real payouts.

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Prefunding Required to Enable Payouts

To send payouts, merchants must deposit funds into PagSeguro’s Bank account. This prefunded balance is used for all outgoing transfers.

Next Steps

Choose how you want to proceed with PagSeguro Payouts:

  • Use MyAccount: A no-code, dashboard-based experience for creating and managing payouts.
  • Use the Payout API: A fully programmatic integration for automated payout workflows.

Updated 1 day ago