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

# Bank Payout API

> The Bank Payout API enables you to send payouts directly to recipients' bank accounts in Tanzania.

## Prerequisites

1. **API Keys** -\
   [Generate API Keys](/application/api-application-setup) for Hosted Checkout integration.

2. **Authorization Token** -\
   Use **API Keys** to [Generate Authorization Token](/api-reference/authorization/generate-token).

## How It Works

**Step 1** - Retrieve Account Balance

<Card title="Retrieve Account Balance" icon="brackets-curly" href="/api-reference/account/get-account-balance" horizontal>
  Retrieve your available account balance to ensure sufficient funds for
  processing payouts.
</Card>

**Step 2** - Retrieve Bank List

<Card title="Retrieve Banks List" icon="brackets-curly" href="/api-reference/list/get-bank-list" horizontal>
  Retrieve your available account balance to ensure sufficient funds for
  processing payouts.
</Card>

**Step 3** - Validate Payout Details

<Card title="Preview Bank Payout" icon="brackets-curly" href="/api-reference/disbursement/bank-payout/preview-bank-payout" horizontal>
  Validates bank payout details like **bank name**, **amount**, **order
  reference**, and **fee** before processing the payout.
</Card>

**Step 4** - Initiate Bank Payout

<Card title="Create Bank Payout" icon="brackets-curly" href="/api-reference/disbursement/bank-payout/create-bank-payout" horizontal>
  Initiate a bank payout by sending a request to the API. The specified amount
  will be transferred to the recipient’s bank account.
</Card>

**Step 5** - Check Payout Status

<Card title="Check Payout Status" icon="brackets-curly" href="/api-reference/disbursement/bank-payout/querying-for-payouts" horizontal>
  Query the payout status using the **Order Reference** to track whether the
  transaction was successful.
</Card>