> ## Documentation Index > Fetch the complete documentation index at: https://api.tandapay.io/llms.txt > Use this file to discover all available pages before exploring further. # Create payout > Send KES to a wallet, bank account, paybill or till. Walkthrough: [Sending payouts](https://api.tandapay.io/guides/payouts/sending-payouts.md). Use the example selector on the right to see each destination. ## OpenAPI ````yaml POST /api/b2b/fiat/payout openapi: 3.1.0 info: title: Tanda API version: 1.0.0 description: >- Collect and send KES payments in Kenya through M-PESA, Airtel Money and bank transfer. servers: - url: https://api.tandapay.io description: Sandbox and production (your keys decide which) security: - bearerAuth: [] tags: - name: Authentication - name: Account - name: Checkout - name: Collections - name: Payouts - name: Beneficiaries - name: Transactions - name: Reference data - name: Webhooks paths: /api/b2b/fiat/payout: post: tags: - Payouts summary: Create payout description: >- Sends money from your KES wallet to an M-PESA or Airtel Money wallet, a Kenyan bank account, an M-PESA paybill or an M-PESA till. Send the recipient's details, or the `externalAccountId` of a saved beneficiary. A `200` means the payout was accepted for processing. The outcome arrives as a `payout_updated` webhook. operationId: create-payout requestBody: required: true content: application/json: schema: oneOf: - type: object properties: amount: type: integer description: Amount in KES. example: 1000 currency: type: string description: ISO 4217 currency code. Tanda supports `KES`. enum: - KES example: KES country: type: string description: ISO 3166-1 alpha-2 country code. Tanda supports `KE`. enum: - KE example: KE destination: type: string description: Where the money goes. enum: - MoMo - Bank Account - Paybill - Till example: MoMo externalReference: type: string description: >- Your unique ID for this transaction. Must be unique per attempt; reuse returns `409 DUPLICATE_EXTERNAL_REFERENCE`. example: order_10045 payoutMethod: type: object properties: accountName: type: string description: Recipient's name. example: Grace Achieng accountNumber: type: string description: >- Phone number (MoMo), bank account number (Bank Account), paybill account number (Paybill) or till number (Till). example: '254712345678' code: type: string description: >- Operator code for MoMo (`mpesa` or `airtel`), or the bank code from [Get banks](/api-reference/endpoint/get-banks) for Bank Account. businessNumber: type: string description: Paybill business number. Paybill only. required: - accountName - accountNumber required: - amount - currency - country - destination - externalReference - payoutMethod title: Recipient details - type: object properties: amount: type: integer description: Amount in KES. example: 1000 externalReference: type: string description: >- Your unique ID for this transaction. Must be unique per attempt; reuse returns `409 DUPLICATE_EXTERNAL_REFERENCE`. example: order_10045 externalAccountId: type: string description: >- ID of a saved payout beneficiary. Don't send `currency`, `country`, `destination` or `payoutMethod` with it. required: - amount - externalReference - externalAccountId title: Saved beneficiary examples: mpesa: summary: M-PESA wallet value: amount: 1000 currency: KES country: KE destination: MoMo externalReference: payout_5531 payoutMethod: accountName: Grace Achieng accountNumber: '254712345678' code: mpesa airtel: summary: Airtel Money wallet value: amount: 1000 currency: KES country: KE destination: MoMo externalReference: payout_5532 payoutMethod: accountName: Grace Achieng accountNumber: '254733123456' code: airtel bank: summary: Bank account value: amount: 50000 currency: KES country: KE destination: Bank Account externalReference: payout_5533 payoutMethod: accountName: Kilimo Supplies Ltd accountNumber: '01100123456700' code: '1243' paybill: summary: M-PESA paybill value: amount: 5000 currency: KES country: KE destination: Paybill externalReference: payout_5534 payoutMethod: accountName: Kenya Power accountNumber: ACC-778812 businessNumber: '888880' till: summary: M-PESA till value: amount: 2500 currency: KES country: KE destination: Till externalReference: payout_5535 payoutMethod: accountName: Mama Mboga Stores accountNumber: '123456' saved: summary: Saved beneficiary value: amount: 1000 externalReference: payout_5536 externalAccountId: ea_9Xk2LmPq responses: '200': description: Payout accepted. content: application/json: schema: type: object properties: success: type: boolean message: type: string transactionId: type: string example: success: true message: Withdrawal Request Accepted for Processing. transactionId: pY7tR5eW3qA1sD9fG2hJ '401': description: Missing, invalid or expired bearer token. content: application/json: schema: $ref: '#/components/schemas/Error' example: success: false message: Unauthorized '409': description: '`externalReference` already used.' content: application/json: schema: $ref: '#/components/schemas/Error' example: success: false message: Duplicate external reference errorCode: DUPLICATE_EXTERNAL_REFERENCE '422': description: Wallet balance too low. content: application/json: schema: $ref: '#/components/schemas/Error' example: success: false message: Insufficient funds errorCode: INSUFFICIENT_FUNDS components: schemas: Error: type: object properties: success: type: boolean example: false message: type: string description: Human-readable; may change. errorCode: type: string description: Stable code to branch on. securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: JWT description: Token from Generate bearer token. ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.