Merchant Dashboard Payout

Local Payout

Merchant Dashboard Payout

No technical integration is required. Log in to the Merchant Dashboard to send payouts to local bank accounts or e-wallets, supporting small-value payouts (single / batch) and large-value payouts.

1

Small-Value Payouts

Open the Send Payments page in the Merchant Dashboard. The page has two tabs, Small-value Payment and Large-value Payment. Small-value payouts support single and batch creation. A payout is pushed to the real disbursement channel as soon as it is created.

Figure: Payout list — The top of the page shows the Small-value / Large-value tabs, followed by filters and the payout record list.

Create a Payout

Click Create, then choose a single payout or a batch payout.

Figure: New payout — The dialog opened by clicking Create, where you can choose Single Payment or Batch Small-value Payment.

Single payout: Pay a single bank account or e-wallet.

1. Select Single Payment.
2. Enter the payout information and confirm creation.

Batch small-value payout: Pay multiple bank accounts or e-wallets by uploading a spreadsheet template with multiple transactions at once. See the requirements and common errors below.

2

Batch Small-Value Payouts

Batch small-value payout is used to pay multiple recipients (bank accounts or e-wallets) at once: download the standard Excel template (templates differ by country; download the template for the relevant country), fill in the recipient information in the required format, and upload the file. The system validates the file automatically and initiates each payout.

Process

Step	Action	Description
①	Download the template and fill in recipient data	The template sheet is named Template; do not change column names
②	Select the file and submit	The system generates a batch number and validates the file
③	Enter the MFA code	Up to 5 incorrect attempts within 24 hours; contact an administrator if exceeded
④	The system parses the file and shows a data preview	The file enters asynchronous processing
⑤	View the result in Batch Upload Records	View submitted, successful / processing / failed counts and amount summaries by batch, and download details

Figure: Batch upload records — One row per batch, showing submitted count, successful / processing / failed counts and amount summaries. The action column allows viewing details or downloading the detail file.

Excel Template Requirements

The template columns and validation rules are listed below. An English name in an error message refers to the corresponding template column (for example, Beneficiary Name means the Recipient Name column has a problem).

Figure: Standard Excel template — Column names and order are fixed. Columns such as Receiving Channel have drop-down options.

warning

**Do not modify the header row or data format. ** Changing headers, adding or removing columns, or changing cell formats may corrupt the file structure and cause validation to fail during upload.

note

When filling in the file, select values from the cell drop-down lists (for example, Receiving Channel). The drop-down options match the channels supported by the platform. Manual entry can cause a Receiving Channel error due to name differences (such as missing spaces or different capitalization).

Common Columns

Template Column	Required	Requirements
Amount	Required	Numeric, up to 2 decimal places (no decimals for Indonesia); country limits are listed below
Receiving Channel	Depends on type	Enter the full name of the bank / e-wallet and ensure it is supported in that country; leave blank for PromptPay in Thailand
Beneficiary Account Number	Required	Bank account or e-wallet account; e-wallets have format requirements (see below)
Beneficiary Mobile	Depends on country	Required for Indonesia; optional in other countries but must follow the country format
Beneficiary Name	Required	Recipient account holder name. Recorded and passed to the channel only; not validated for correctness or authenticity
Payment Remarks	Depends on country	Required for the UAE; name + recipient address must not exceed 140 characters
Beneficiary Email	Optional	Must be a valid email address if provided
Merchant Order Id	Optional	No more than 50 characters and must not duplicate a historical order; used for idempotency. If omitted, the system generates one
Beneficiary Address	Optional	Combined with the name column, must not exceed 140 characters

Country-Specific Columns

Template Column	Values	Rules
Beneficiary Account Type	BANK / PROMPTPAY / EWALLET / SBP	Required for Thailand and Russia (the row fails if omitted); fill in as instructed for Saudi Arabia and the UAE; not required for the Philippines / Indonesia / Malaysia / Vietnam
Beneficiary Type	NATIONAL_ID / MOBILE_NUMBER / EWALLET_ID / BANK_ACCOUNT / CARD_NUMBER	Thailand: required for PromptPay and must be blank for BANK; required for Russia
Beneficiary Category	INDIVIDUAL / ORGANIZATION	Required only for Russia
Saudi-specific columns	Receiver IBAN, Swift Code, Receiver Bank Address, Receiver English / Local First / Last Name	Missing values cause xxx is required

Thailand Combination Rules (the row fails if not met)

Recipient Account Type	Requirement
BANK	Beneficiary Type must be blank; Receiving Channel is required
PROMPTPAY	Receiving Channel must be blank; Beneficiary Type is required (NATIONAL_ID or MOBILE_NUMBER)

Russia Combination Rules (the row fails if not met)

Recipient Account Type	Requirement
All types	Beneficiary Category, Beneficiary Account Type, and Beneficiary Type are all required
SBP	The account must be a 10-digit mobile number starting with 9; Receiving Channel is required
EWALLET	Beneficiary Type must be EWALLET_ID; Receiving Channel is required
BANK + BANK_ACCOUNT	Receiving Channel is required
BANK + CARD_NUMBER	Receiving Channel must be blank

Country Amount Limits and Mobile Number Formats

Country	Single Payout Limit	Mobile Number Requirement	E-Wallet Account Requirement
Philippines PH	50,000 PHP	Optional; if provided, 11 digits starting with 09	Starts with 09
Indonesia ID	250,000,000 IDR	Required, 10–13 digits starting with 08; amount must be an integer	Starts with 08
Thailand TH	50,000 THB	Optional; if provided, 10 digits starting with 0 / 6 / 8 / 9	Leading 0 is added automatically
Malaysia MY	50,000 MYR	Optional; if provided, starts with 01	Starts with 01; TNG wallets only need a non-empty value
UAE AE	55,000 AED	No mandatory format	—
Saudi Arabia SA	37,500 SAR	Must be 5XXXXXXXX / 9665XXXXXXXX / 05XXXXXXXX	—
Russia RU	500,000 RUB	No mandatory format	See the SBP rules above
Vietnam VN	300,000,000 VND	No mandatory format	—

note

The system also handles the following automatically: full bank / wallet names are converted to internal short names; missing leading 0s in wallet accounts for the Philippines / Indonesia / Malaysia / Thailand are added; rows where all six columns (amount, name, account, channel, email, remarks) are empty are ignored and are not counted as failures.

Common Errors and Handling

Failure Reason (single-row failure)

The file was uploaded successfully, but one row failed validation or payout. The reason is shown in the order's Failure Reason field; other rows are unaffected. Correct the row and upload a new file containing only the rows to be paid again.

In Batch Upload Records, click Download to export the batch details. The Status and Failure Reason columns show the result and failure cause for each row.

Figure: Batch detail download — The Status column shows Failed, and Failure Reason gives the cause (for example, Beneficiary Mobile","Receiving Channel means those two columns failed validation).

note

If the failure reason is a template column name (such as Amount, Beneficiary Name, or Receiving Channel), the column content failed basic validation. Check that column directly.

Amount and Balance

Failure Reason	Problem	Handling
Amount	Amount is blank or not numeric (maximum 2 decimal places)	Correct the amount format in that row
The amount cannot be greater than xxx	Exceeds the country's single-payout limit	Reduce the amount or split it into multiple payouts
The amount cannot be blank	Amount is blank	Add the amount
Insufficient balance	Merchant balance is insufficient. Balance is checked row by row in file order, so earlier rows may succeed while later rows fail	Top up and upload the failed rows again

Receiving Channel

Failure Reason	Problem	Handling
Receiving Channel	Invalid receiving channel: the bank / wallet name does not exist in that country or cannot be matched	Check that the channel name matches the country's supported drop-down list
Invalid: Receiving Channel must be empty for PromptPay	(Thailand) A receiving channel was entered for PromptPay	Leave the column blank

Recipient Account and Mobile Number

Failure Reason	Problem	Handling
Beneficiary Account Number	Recipient account is blank	Complete the required column
Recipient Account Number	Invalid e-wallet account format (Philippines 09 / Indonesia 08 / Malaysia 01; Russia SBP requires 10 digits starting with 9)	Correct the format for the country
mobile format is invalid	Mobile number does not match the country format; a blank Indonesian mobile number also causes this error	Correct the format

Recipient Information

Failure Reason	Problem	Handling
Beneficiary Name	The column is blank (only presence is checked, not whether it matches the account holder name)	Complete the required column
Beneficiary Email	Invalid email format	Correct it or leave it blank
Payment Remarks	(UAE) Payment remarks are blank	Add remarks
Beneficiary Account Type / Missing: ... is required	(Thailand / Russia) Recipient account type is blank	Fill in BANK / PROMPTPAY / EWALLET / SBP
Beneficiary Type	Recipient type value is outside the allowed range	Correct it using the values above

3

Large-Value Payouts

Large-value payouts require you to create a large-value beneficiary and complete review before initiating a payout to that beneficiary.

note

Large-value payouts are disabled by default. Contact your account manager to enable them.

Create a Large-Value Beneficiary

1. Open the Large-value Beneficiary page and click Create.
2. Enter the receiving channel, beneficiary name, beneficiary account, and short name.
3. Upload the cooperation contract between both parties as an attachment.
4. Enter remarks briefly describing the business relationship and the reason for payment.
5. Click Submit and wait for review.

Figure: Create a large-value beneficiary — Enter the receiving channel, beneficiary name / account, and short name, and upload the cooperation contract and remarks.

After approval, the beneficiary can be used for large-value payouts.

Initiate a Large-Value Payout

1. Open the Large-value Payment tab and click Create.
2. Select an approved large-value beneficiary, then enter the merchant order number (optional), payout amount, and payout remarks.
3. Enter the MFA code and confirm. The payout is then pushed for disbursement.

Figure: Create a large-value payout — Select an approved large-value beneficiary, enter the amount and remarks, and confirm to initiate the payout.

4

Payout and Order Status

Payouts are processed asynchronously. After a transaction reaches its final status, the result can be obtained through:

Method	Description
Callback notification	PayCools sends a notification to the callback URL configured by the merchant on the platform
Dashboard	Log in to the Merchant Dashboard to view each payout's transaction status

Batch small-value payouts can be viewed by batch in the payout list. The statuses are:

Status	Meaning	Final
PENDING	Submitted and not yet processed	No
COMPLETED	Payout completed	Yes
FAILED	Validation failed or payout failed	Yes

note

Funds for failed orders are not deducted (in the limited cases where the channel accepted the payout but it ultimately failed, the channel's final result applies and the funds are returned).