Periodically (using once every working day), we’ll pay out payments your user has collected to their nominated bank account. When this happens, a “payout” record will be created which represents the transfer of funds.

It's worth noting that we will only start sending payouts once your user has verified their account - we'll send them emails reminding them to do this, but you might want to flag this in your UI, especially when they first connect their account, and perhaps afterwards until they receive their first payout. We've made some suggestions about communicating this to your users in our "User experience" guide.

We’ll generally send a single payout each day for each currency a user collects in. However, we may split the funds into multiple payouts if there are a very large number of payments to pay out.

A payout will not necessarily only contain payments collected through your integration - it may contain others if your user is also using our API, the Dashboard or another integration.

When a payout is sent to your user, you’ll receive a webhook with resource_type “payouts” and action “paid”. In addition, for each payment that has been paid out, we’ll send webhooks with resource_type “payments” and action “paid_out”. The links[payout] attribute of that webhook will include the ID of the payout the payment appears in.

For more details on handling webhooks, see the “Staying up-to-date with webhooks” section earlier in this guide.

For the majority of integrations, that’ll be enough. But some integrations (for example, accountancy software) will want to go further in understanding exactly what makes up a payout. If you want to do more complex reconciliation (for example to build a business’s accounts), the best way to understand what’s inside a payout is to use the Payout Items API.

Using the Payout Items API

The Payout Items API lets you see the individual transactions that made up the total amount of a payout.

You can think of a payout in terms of credits and debits. When we collect a payment on your user’s behalf, we add the money collected to their GoCardless balance - that’s a credit. But there can also be debits against that balance - for example, GoCardless’ fees, app fees that you charge for using your integration or deductions for chargebacks.

When we make a payout, we bundle up all of the outstanding credits and debits into it and reset the user’s balance to zero.

We'll only make a payout when a merchant's balance is positive. Imagine that a merchant's balance is zero, and they make a refund of £5.00. Their balance is now -£5.00. They then collect a payment of £10.00. Their balance is +£5.00, so we'll send them a payout, which will bundle up the refund and the successful payment into its Payout Items.

For each item in a payout, we expose an amount (which will be positive for a credit, or negative for a debit), a type (which explains the reason for the credit or debit) and links to any relevant resources (usually a payment, links.payment).

There are eight types of payout item:

Type Description Credit or debit Links
Payment paid out (payment_paid_out) A payment was successfully collected from a customer, and is being passed on to your user Credit links.payment
Payment failed (payment_failed) A payment appeared to have been collected from a customer successfully, but then the bank told us that it had in fact failed, so it is being deducted Debit links.payment
Payment charged back (payment_charged_back) A payment was successfully collected from a customer, but then the customer contacted their bank to reverse the transaction, so it is being deducted Debit links.payment
Payment refunded (payment_refunded) A payment was successfully collected from a customer, and then partially or fully refunded at your user's request, so the refunded amount is being deducted Debit links.payment
GoCardless fee (gocardless_fee) GoCardless deducted its transaction fee from an incoming payment, or refunded its transaction fee when a payment failed or was charged back Credit/Debit links.payment
App fee (app_fee) Partner integrations can add an "app fee" on top of GoCardless's fees. GoCardless deducted such a fee from an incoming payment, or refunded it when a payment failed or was charged back Credit/Debit links.payment
Revenue share (revenue_share) GoCardless paid out a commission to a partner for a successful payment, or deducted it for a late failure or chargeback. Partner integrations can receive a share of GoCardless' fees when users collect payments through their integration. These do not appear in merchant payouts, since they are part of the gocardless_fee, but they will appear in partner payouts when they receive the commission. Credit/Debit links.payment
Customer refunded (refund) A refund was sent to a customer, not related to any particular payment, so the refunded amount is being deducted This feature is in private beta. Debit links.mandate

To see how these can fit together in the real world, let’s imagine a payout as an example:

Description Type Amount
Payment successfully collected from Nick payment_paid_out +€20.00
GoCardless fee for payment collected from Nick gocardless_fee -€0.20
App fee for payment collected from Nick app_fee -€1.00
Refund issued for Andrew's payment, collected last week payment_refunded -€5.00
Bianca's payment from last week, which was charged back payment_charged_back -€10.00
Refund of GoCardless fee for charged back payment gocardless_fee +€0.10
Refund of app fee for charged back payment app_fee +€0.50
Total +€4.40

With the Payout Items API, you can look inside a payout and see the transaction that make it up, allowing you to, for example, “explain” transactions on your user’s bank statement.

When you receive a “payout paid” webhook (resource_type “payouts” and action “paid”), you can then query the Payout Items API:

require 'vendor/autoload.php';

$user = User::where(['gocardless_organisation_id' => $event->links['organisation']])->firstOrFail();

$client = new \GoCardlessPro\Client([
		'access_token' => $user->gocardless_access_token,
		'environment' => \GoCardlessPro\Environment::SANDBOX

$payout_id = $event->links['payout'];

$payout = $client->payouts()->get($payout_id);
echo $payout->amount;

$payout_items = $client
		->all(["params" => ["payout" => $payout_id]]);

foreach ($payout_items as $payout_item) {
		echo $payout_item->amount;
		echo $payout_item->type;
		echo $payout_item->links->payment;
import os
import gocardless_pro

from myinvoicingapp.models import User

    def process_payout_event(self, event):
        user = User.object.get(gocardless_organisation_id=event['links']['organisation'])

        client = gocardless_pro.Client(

        payout_id = event['links']['payout']

        payout = client.payouts.get(payout_id)
        print payout.amount

        payout_items = client.payout_items.all(
            params={ "payout": payout_id }

        for payout_item in payout_items:
            print payout_item.amount
            print payout_item.type
            print payout_item.links.payment
require 'gocardless_pro'

def process_payment_paid_out(event)
  user = User.find_by(gocardless_organisation_id: event.links.organisation)

  client =
    access_token: user.gocardless_access_token,
    environment: :sandbox

  payout_id = event.links.payout

  payout = client.payouts.find(payout_id)
  puts payout.amount

  client.payout_items.all(params: { payout: payout_id }).each do |payout_item|
    puts payout_item.amount
    puts payout_item.type
    puts payout_item.links.payment
package com.myInvoicingApp;

import com.gocardless.resources.Event;
import com.gocardless.resources.Payout;
import com.gocardless.resources.PayoutItem;
import com.gocardless.GoCardlessClient;

import com.myInvoicingApp.User;

public class PayoutsWebhookHandler {
    public static void handlePayoutPaidEvent(Event event) {
        User user = User.getUserByGoCardlessID(event.getLinks().getOrganisation());

        GoCardlessClient client = GoCardlessClient

        String payoutId = event.getLinks().getPayout();
        Payout payout = client.payouts().get(payoutId).execute();

        for (PayoutItem payoutItem : client.payoutItems().all().withPayout(payoutId).execute()) {

public void HandlePayoutPaidEvent(GoCardless.Resources.Event eventResource)
    var user = db.Users.Single(user => user.GoCardlessID == eventResource.Links.Organisation);

    var client = GoCardlessClient.Create(

    var payoutId = eventResource.Links.Payout;
    var payoutResponse = await client.Payouts.GetAsync(payoutId);
    var payout = paymentResponse.Payout;

    var payoutItemsRequest = new GoCardless.Services.PayoutItemListRequest()
        Payout = payoutId

    var payoutItems = client.PayoutItems.All(payoutItemsRequest);

    foreach (GoCardless.Resources.PayoutItem payoutItem in payoutItems)

For full details on the Payout Items API, head over to our reference documentation.