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Pay Out Winnings

Crediting a player — winnings, a deposit you collected by card, a bonus — is a wallet → wallet transfer from your merchant wallet to the player's wallet. It is internal: instant and final (born posted), no bank rail involved.

Authorized by your platform

The source is your merchant account (source_account), so this runs with your Secret Key token.

Create the internal transfer​

Both sides are wallets, so each is addressed by account id — your merchant account id and the player's account id (the one returned from Create & verify a player). No payment-method lookup is needed: you already hold both account ids.

curl -i -X POST \
  https://sandbox-api.pathly.io/transfers \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: win_2026-06-25_peter_0007' \
  -d '{
    "source_account": "<YOUR_MERCHANT_ACCOUNT_ID>",
    "destination_account": "5b3f0c2e-1d4a-4e8b-9c7a-2f6d8e0a1b22",
    "amount": 12000,
    "currency": "USD",
    "reference": "blackjack winnings"
  }'
  • source_account is your merchant account; destination_account is the player's account. Each names that account's USD wallet, so Pathly uses the internal rail — and the two wallets may belong to different accounts.
  • amount is in the smallest currency unit (cents).
  • The Idempotency-Key header is required — use a stable key per logical payout so a retry never double-pays.

Response​

POST /transfers is a command and returns no body. An internal wallet-to-wallet transfer is final synchronously, so the response is 200; the Location header carries the new transfer's path:

HTTP/1.1 200 OK
Location: /transfers/f7e6d5c4-...

Read the result from the Location header with GET /transfers/{id}, and/or subscribe to the transfer.* webhooks. The retrieved transfer is posted — the player's wallet is credited synchronously and the funds are available to play or cash out. (Internal transfers never dispatch/settle; they only emit transfer.created.) For the full transfer request and response, see the Create a transfer API reference.

Funds

The source wallet must hold sufficient balance in currency (both sides operate in the transfer currency). Insufficient funds returns 422 and no money moves.