代付（Pay-out · 智利）

智利代付（CLP）至本地银行账户；详见 支付方式。需提供 cashAccount、cashAccountType（CORRIENTE / AHORROS）、paymentMethod（银行代码）及完整 receiver（name、email、phone、idType、identity）。金额为 整数 CLP 比索。

Request

POST/v2.0/disbursement/pay-out

Request Path:

sandbox: https://sandbox-gateway.smilepayz.com/v2.0/disbursement/pay-out
production: https://gateway.smilepayz.com/v2.0/disbursement/pay-out

Header Parameters

Field	Required	Type	Description
Content-Type	M	String	application/json
X-TIMESTAMP	M	String	Format: yyyy-MM-ddTHH:mm:ss±HH:mm (e.g. CLT −03:00).
X-SIGNATURE	M	String	Request signature; Signature Generation.
X-PARTNER-ID	M	String	merchantID (alphanumeric).

Body Parameters

Field	Required	Type	Description
orderNo	M	String(32)	6–32 alphanumeric; unique per merchant.
purpose	M	String(64)	UTF-8; length 1–64.
merchant	M	Object	Merchant routing and settlement.
merchantId	M	String	Platform merchant ID.
merchantName	O	String	UTF-8 display name.
subMerchantId	O	String	Sub-merchant ID.
subMerchantName	O	String	Sub-merchant name (UTF-8).
money	M	Object	Amount and currency.
currency	M	String	CLP only.
amount	M	Number	Integer CLP pesos.
paymentMethod	M	String(6)	Bank / rail code (e.g. BANCO_ESTADO); Payment methods.
cashAccount	M	String(32)	Beneficiary account number (max 32).
cashAccountType	M	String(32)	CORRIENTE (checking) or AHORROS (savings).
receiver	M	Object	Receiver Model.
name	M	String	Beneficiary full name (UTF-8).
email	M	String	Valid email.
phone	M	String	Chilean mobile format (e.g. +569XXXXXXXX).
idType	M	String	DNI, CE, PAS, or RUT.
identity	M	String	Document number (e.g. RUT 12345678-9).
callbackUrl	O	String(256)	Webhook URL; HTTP(S); max 256.

---

Example Body – Disbursement Request:

Content-type: application/json
X-TIMESTAMP: 2020-12-17T10:55:00-03:00
X-SIGNATURE: 7MHd9v5/m9JeqmDZVwWBZUZ5J5...7120QnFEny7Qm7uQR1G0TWCh10fsU6nVxiRoeoQ==
X-PARTNER-ID: 20001

{
    "cashAccount": "12532481501",
    "cashAccountType": "CORRIENTE",
    "receiver": {
        "idType": "DNI",
        "identity": "12345678-9",
        "name": "Maria Rodriguez Silva",
        "phone": "+56912345678",
        "email": "[email protected]"
    },
    "merchant": {
        "merchantId": "20001"
    },
    "money": {
        "amount": 20000,
        "currency": "CLP"
    },
    "orderNo": "2000102900000000000001",
    "paymentMethod": "BANCO_ESTADO",
    "purpose": "Salary payment for March 2024"
}

Responses

HTTP Request

Field	Required	Type	Description
Content-Type	M	String	application/json
X-TIMESTAMP	M	String	Format: yyyy-MM-ddTHH:mm:ss±HH:mm

Body Parameters

Field	Required	Type	Description
code	M	String	00 = success; other codes = error.
message	M	String	Result text (UTF-8).
orderNo	M	String	Echo of orderNo.
merchant	M	Object	Merchant Model.
merchantId	M	String	Merchant ID.
merchantName	O	String	Display name.
subMerchantId	O	String	Sub-merchant ID.
subMerchantName	O	String	Sub-merchant name.
accountNo	O	String	Merchant account number when returned.
money	M	Object	Money Model.
currency	M	String	CLP.
amount	M	Number	Integer CLP pesos.
disbursementTime	M	String	When disbursement was accepted (yyyy-MM-ddTHH:mm:ss±HH:mm).
channel	M	Object	Channel Model.
paymentMethod	M	String	Echo bank / rail code.
cashAccount	M	String	Echo cashAccount.
accountName	O	String	Beneficiary display name when returned.
tradeNo	O	String	Platform trade ID.
status	O	String	Status Model.

Example Body – Disbursement Response:

Content-type: application/json
X-TIMESTAMP: 2020-12-17T10:55:00-03:00

{
  "code": "00",
  "message": "Successful",
  "orderNo": "2000102900000000000001",
  "merchant": {
    "merchantId": "20001",
    "merchantName": "test",
    "accountNo": "2000124234782342"
  },
  "money": {
    "currency": "CLP",
    "amount": 20000
  },
  "disbursementTime": "2024-12-17T10:55:00-03:00",
  "channel": {
    "paymentMethod": "BANCO_ESTADO",
    "cashAccount": "12532481501",
    "accountName": "Maria Rodriguez Silva"
  },
  "tradeNo": "1722000109e998347483949",
  "status": "PROCESSING"
}

Notification/Callback

HTTP Request

Field	Required	Type	Description
Content-Type	M	String	application/json
X-TIMESTAMP	M	String	Format: yyyy-MM-ddTHH:mm:ss±HH:mm
X-SIGNATURE	M	String	Callback signature; verify.

Body Parameters

Field	Required	Type	Description
orderNo	M	String	Same orderNo as payout request.
tradeNo	M	String	Platform tradeNo.
merchantId	M	String	Merchant ID.
merchantName	M	String	Display name.
subMerchantId	O	String	Sub-merchant ID.
subMerchantName	O	String	Sub-merchant name.
paymentMethod	M	String	Settled bank code (e.g. BANCO_ESTADO).
transactionTime	M	String	Completion time.
money	M	Object	Final amount; Money Model.
currency	M	String	CLP.
amount	M	Number	Integer CLP pesos. Note: may differ from the request for fees/partials—reconcile on tradeNo.
status	M	String	Status Model.

Return

Important

Respond with the string SUCCESS only.

{
  "orderNo": "2000102900000000000001",
  "tradeNo": "1722000109e998347483949",
  "merchantId": "20001",
  "merchantName": "test",
  "subMerchantId": "",
  "subMerchantName": "",
  "paymentMethod": "BANCO_ESTADO",
  "transactionTime": "2024-12-17T10:55:00-03:00",
  "money": {
    "currency": "CLP",
    "amount": 20000
  },
  "status": "SUCCESS"
}

SUCCESS