Wire Out

Localpayment enables you to withdraw funds from your Localpayment account and deposit them into your external bank account through both API integration and the Dashboard interface. This guide covers the complete Wire Out workflow for fund settlement, detailing the authorization flow, API implementation, and status tracking.

Before You Begin

Ensure you have:

Additional Wire Out Requirements:

• Sufficient available balance in your Localpayment account.
• User role with sufficient permissions for Wire Out authorization (see documentation on roles and permissions).
• External bank account details (SWIFT code, account number, beneficiary information).
• Understanding of your projected balance and settlement timing.

Implementation Guide

Localpayment provides two methods for processing Wire Outs: API integration for automated processing and Dashboard for manual operations.

Understanding Wire Out Settlement

Wire Out transactions follow a specific authorization and validation workflow :

1. Balance Sheet Settlement: Money is released and becomes available in your account balance.
2. Client Settlement: After 15 days of payment, funds are released to the client, withdrawable when minimum settlement threshold is met.

Step 1: Process Wire Out via API

To initiate a Wire Out transaction through API, send a POST request to the Wire Out endpoint.

Key Request Parameters

The request requires several key parameters:

Example Request

Below is an example using curl:

curl --request POST \
  --url https://api.stage.localpayment.com/api/account/wire-out \
  --header 'Authorization: Bearer <your_access_token>' \
  --header 'accept: application/json' \
  --header 'content-type: application/json' \
  --data '{
    "transactionType": "WireOut",
    "externalId": "c048aaea-5916-4dfe-add9-e3a720c42a08",
    "country": "ARG",
    "currency": "ARS",
    "amount": 1000,
    "accountNumber": "032.032.00000016",
    "to": {
      "name": "BBVA Arg.",
      "swift": "BCSARG",
      "address": "Centro 123",
      "accountName": "John Doe",
      "accountNumber": "3220001805117354710015",
      "beneficiaryAddress": "beneficiaryAddress"
    },
    "comment": "Centro 456"
  }'

See all available parameters in the request.

Step 2: Handle the Response

Successful Response

A successfully initiated Wire Out returns transaction details with initial status:

{
    "transactionType": "WireOut",
    "externalId": "c048aaea-5916-4dfe-add9-e3a720c42a08",
    "internalId": "c0e5ec40-b5b6-49aa-8c2d-b1ba01080100",
    "country": "ARG",
    "currency": "ARS",
    "clientCode": "0001",
    "creationDate": "2025-09-29T18:41:49.940+00:00",
    "errors": [],
    "status": {
        "code": "100",
        "description": "RECEIVED",
        "detail": "WIRE OUT"
    },
    "accountNumber": "032.032.00000016",
    "amount": 1000.0,
    "fees": {
        "description": "Fee",
        "currency": "ARS",
        "amount": 30.0,
        "account": "032.032.00000016"
    },
    "localTaxes": [],
    "withHoldings": [],
    "comment": "WireOut_External"
}

Key Response Fields

Error Response

When a Wire Out request fails, you'll receive detailed error information:

{
    "status": {
        "code": "300",
        "description": "REJECTED",
        "detail": "[to.address must not be empty]"
    },
    "timestamp": "2025-09-29 18:52:05.640378596",
    "errors": [
        {
            "code": "300",
            "detail": "to.address must not be empty"
        }
    ]
}

Step 3: Track Wire Out Status

After initiating a Wire Out, monitor its progress through these methods:

Common Wire Out Status Codes

📝

Email Notifications: You will receive email notifications when transactions reach Completed or Rejected statuses, regardless of whether they were initiated via API or Dashboard.

Dashboard Wire Out Processing

Wire Out transactions can also be processed through the Localpayment Dashboard interface. This method provides a visual workflow for managing fund transfers and is particularly useful for:

• One-time settlements** that don't require API automation.
• Administrative oversight** with visual authorization workflows.
• Quick fund transfers without development resources.

For detailed instructions on processing Wire Out transactions through the Dashboard, including step-by-step guidance and interface walkthroughs, please refer to the Dashboard Wire Out Guide.

Testing Your Integration

Test Scenarios

Verify your integration handles these scenarios:

1. Successful Wire Out: Process transfer with valid parameters and sufficient balance.
2. Insufficient Funds: Attempt transfer exceeding account balance.
3. Invalid Bank Details: Test with incorrect SWIFT codes or account numbers.
4. Authorization Workflow: Verify pending authorization status and approval process.

Next Steps