> ## Documentation Index
> Fetch the complete documentation index at: https://doc.hpay.host-sl.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Sending Payouts

> Withdrawing funds from user wallets to external mobile money or bank accounts

## Overview

Payouts allow users to move money out of their HOST Pay wallets and into their real-world bank or mobile money accounts.

## Supported Payout Methods

<CardGroup cols={2}>
  <Card title="Mobile Money Cashout" icon="mobile-signal">
    Instant withdrawals to Orange Money or Africell Money in Sierra Leone.
  </Card>

  <Card title="Stripe Payouts" icon="building-columns">
    Standard bank transfers via Stripe Connect (coming soon).
  </Card>
</CardGroup>

***

## 1. Mobile Money Cashouts (Monime)

This is the fastest way for users to access their funds in local currency (SLE).

### Requesting a Cashout

To initiate a withdrawal, use the [Mobile Money Cashout](/api-reference/transactions/mobile-money-cashout) endpoint.

1. **Parameters**: Provide the `wallet_id`, `amount`, and the recipient's phone number.
2. **Execution**: Once sent, Monime processes the request and funds are deposited into the user's mobile money account.

### Currency Handling

The `amount` in a mobile money cashout request is always specified in **Sierra Leone Leones (SLE)**.

* **If Base Currency is SLE**: No conversion occurs. The exact SLE amount is deducted from the wallet.
* **If Base Currency is USD**: The system automatically calculates the equivalent USD amount to deduct based on the real-time exchange rate.

See the [Currency & Conversions](/guides/currency-conversion) guide for more details.

***

## 2. Stripe Payouts

For applications that integrate with Stripe Connect, bank payouts are available. This is typically used for business-level withdrawals rather than individual user cashouts in local markets.

* **Standard**: Takes 2-5 business days.
* **Instant**: Available in supported regions for a small fee.

***

## Payout Statuses

Payouts go through several stages:

| Status      | Description                                                                               |
| :---------- | :---------------------------------------------------------------------------------------- |
| `pending`   | The payout has been initiated and is awaiting provider confirmation.                      |
| `completed` | The funds have been successfully settled in the destination account.                      |
| `failed`    | The payout could not be processed (e.g., incorrect phone number or rejected by provider). |
| `cancelled` | The payout was cancelled by the user or an administrator.                                 |

***

## Fees

Withdrawal fees are configurable in your HOST Pay Dashboard. You can set:

* **Flat Fee**: A fixed amount per cashout.
* **Percentage Fee**: A percentage of the withdrawn amount.

These fees are deducted from the user's wallet before the cashout is processed.

## Related Topics

<CardGroup cols={2}>
  <Card title="Transaction History" icon="list" href="/api-reference/transactions/list">
    Track the status of all payouts
  </Card>

  <Card title="Webhooks" icon="webhook" href="/webhooks/overview">
    Get notified when payouts complete
  </Card>
</CardGroup>