Payouts

Payouts transfer funds from an Martis balance to external destinations such as bank accounts. This includes withdrawals to registered accounts and disbursements to third-party recipients. For transfers between Martis accounts, see Transfers.

Overview

The payout system supports two primary operations:

Operation	Description	Initiated Via
Withdrawal	Transfer available balance to a registered bank account	Dashboard
Disbursement	Programmatic payment to any valid bank account	API

Payout Flow

The following diagram illustrates the payout process:

Processing Times

Payout processing times depend on destination bank and submission time:

Scenario	Processing Time
Same-day	Submitted during banking hours (9 AM - 3 PM WIB)
Next business day	Submitted after banking hours or on weekends
Bank holidays	Processing resumes on the next business day

Processing times may vary due to bank maintenance windows or regulatory reviews.

Payout States

A payout progresses through the following states:

Name
pending
Description
Payout created, awaiting processing
Name
processing
Description
Payout submitted to the banking system
Name
completed
Description
Funds successfully delivered to the destination account
Name
failed
Description
Payout failed due to validation or processing errors
Name
cancelled
Description
Payout cancelled before processing
Name
suspected
Description
Payout flagged for security or compliance review
Name
rejected
Description
Payout rejected after review
Name
refunded
Description
Funds returned to the source account

Withdrawals

Withdrawals transfer available balance to a registered bank account via the dashboard.

Initiate a Withdrawal

Navigate to Balances in the dashboard
Select the currency with sufficient available balance
Click Withdraw and enter the amount
Select a registered bank account
Confirm the withdrawal request
Track the payout status in Balance Reports

Withdrawals currently support IDR (Indonesian Rupiah) only.

Disbursements

Disbursements send payments to third parties programmatically via the Payouts API.

Use Cases

Vendor and supplier payments
Employee reimbursements
Partner commissions
Customer refunds to external accounts

Example: Create a Disbursement

curl --location 'https://api-staging.martis.id/api/v1/payouts' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer {API_KEY}' \
--data '{
  "amount": 500000.00,
  "currency": "idr",
  "destination": {
    "type": "bank_account",
    "bank_account": {
      "bank_code": "bca",
      "account_number": "1234567890",
      "account_holder_name": "Recipient Name"
    }
  },
  "description": "Vendor payment",
  "client_reference_id": "PO-2024-001"
}'

Example: Batch Disbursements

For multiple disbursements, iterate through recipients with separate API calls. Use the client_reference_id field to track each disbursement against internal records.

# Disbursement 1
curl -X POST 'https://api-staging.martis.id/api/v1/payouts' \
--header 'Authorization: Bearer {API_KEY}' \
--header 'Idempotency-Key: batch-001-recipient-1' \
--data '{"amount": 100000, "currency": "idr", "destination": {...}}'

# Disbursement 2
curl -X POST 'https://api-staging.martis.id/api/v1/payouts' \
--header 'Authorization: Bearer {API_KEY}' \
--header 'Idempotency-Key: batch-001-recipient-2' \
--data '{"amount": 150000, "currency": "idr", "destination": {...}}'

Use idempotency keys to prevent duplicate disbursements when retrying failed requests.

Balance Types

Account balances are categorized as:

Type	Description
Available Balance	Funds ready for withdrawal or disbursement
Pending Balance	Funds in settlement from recent payments

Only the available balance can be used for payout operations.

Balance Reports

Monitor payout activity through the dashboard reporting tools:

Report	Description
Transactions	Payment receipts with settlement status
Payouts	Withdrawals and disbursements with status tracking

Transactions Report

Payouts Report

Reports support filtering by date, amount, status, and reference ID. Export to CSV for reconciliation purposes.

Integration

View Payouts API