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Monigo’s payout system lets you define rules that automatically calculate what each recipient is owed based on the events you send. This eliminates manual reconciliation.

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How it works

  1. You ingest events (e.g., ride_completed, sale_made)
  2. Monigo applies your payout rules to calculate amounts owed
  3. Payout slips are generated per recipient
  4. You trigger a batch transfer (or configure automatic triggers)
  5. Monigo submits the transfers via your payment provider

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Configuring payout rules

Payout rules are defined on your Plan and map event fields to recipient IDs and amounts. Example: a ride-hailing platform paying drivers 80% of each fare 
{
  "payout_rules": [
    {
      "trigger_event": "ride_completed",
      "recipient_field": "driver_id",
      "amount_expression": "fare * 0.80",
      "currency": "NGN"
    }
  ]
}

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Triggering payouts

On demand — trigger a payout batch manually from the dashboard or via API: 
curl -X POST https://api.monigo.com/v1/payouts/trigger \
  -H "Authorization: Bearer mk_live_..."
Scheduled — configure automatic triggers (daily, weekly, or on a cron schedule) in Dashboard → Settings.

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Recipient bank accounts

Recipients must have a bank account registered with your payment provider. You can link accounts via: 
curl -X POST https://api.monigo.com/v1/customers/{id}/payout-accounts \
  -d '{
    "provider": "paystack",
    "account_number": "0123456789",
    "bank_code": "058"
  }'

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Payout slip lifecycle

StatusMeaning
pendingCalculated, awaiting trigger
processingSubmitted to payment provider
paidTransfer confirmed
failedTransfer failed — retry available

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Webhooks

Subscribe to payout events to update your records:
  • payout.batch.submitted — batch sent to provider
  • payout.slip.paid — individual transfer confirmed
  • payout.slip.failed — individual transfer failed