# Payouts

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Payouts on PayRam let merchants send funds to external wallets across multiple chains in just a few clicks. Whether you’re issuing refunds, employee payroll, or supplier payments, Payouts combine automation, transparency, and control, so you can manage outflows as confidently as you accept inflows.

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## **Why it matters**

Managing outgoing crypto payments can be complex, especially when you’re dealing with different tokens and chains. PayRam Payouts simplifies this by giving you a unified control panel for all outgoing transactions.

* **Operate with precision:** Define who can create, approve, and execute payouts to avoid unauthorized transfers.
* **Save time and cost**: Use **Payout APIs** to automate payments, reducing manual effort and minimizing network fees.
* **Stay compliant**: Maintain full transaction logs and export-ready records for audits and reconciliation.
* **Expand globally**: Send payouts to partners, users, or wallets across supported chains without needing custom integrations.
* **Reduce risk: B**uilt-in wallet address book ensures you’re sending funds to the right address, every time.

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## Prerequisites

Before using payouts, make sure your SMTP server is set up. It’s required for sending OTPs as part of the security verification process.

Steps to set up SMTP:

1. Go to your PayRam Dashboard.
2. Navigate to Settings → Integrations → Email Servers.
3. Add your SMTP credentials from your email service provider
4. Save and test the connection to confirm successful configuration.

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## **How Payram Payout Works**

### Step 1 : Select Payouts

* From the Withdraw menu, select Payouts.

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### Step 2 : Add Payout Recipient

* Before creating a payout, add the recipient to your **Address Book**. This helps ensure that payouts are sent to the correct wallet address.

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### Step 3 : Address Book

* Click Add New to create a new Address Book.

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* A pop-up will appear where you can enter the required details. Once saved, this adds the recipient to your PayRam Address Book.

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* After entering the details, click Continue to Wallet Info. You’ll then be prompted to enter the recipient’s wallet address.

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* Enter the required details, including the network chain, wallet address, and any optional notes for the recipient.

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{% hint style="warning" %}
**IMPORTANT: Make sure the selected network matches the wallet address. If they belong to different blockchains, the payout will fail and funds may be lost. Always double-check the network before saving the recipient.**
{% endhint %}

* After entering all the details, click Save Recipient. You will be prompted for OTP verification, so make sure your SMTP server is configured in advance.

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### Step 4 : Create Payout

* Click the Back arrow to return to the Create Payout page.

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* Click Create Payout to start a new payout.
* A pop-up will appear where you can enter the required details, select the recipient, and specify the amount.
* After entering all the details, click Create Payout to proceed.

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### Step 5 : Payout Request

* You can view the payout request in your Dashboard.

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* Only Admins can approve payout orders. A payout will not be processed until it has been approved by an Admin.
* To enable OTP delivery for payout approvals, configure your SMTP server in the PayRam dashboard.

{% hint style="info" %} <mark style="color:$warning;">Note</mark> <mark style="color:$success;">**: When a payout is created and sent for approval, the admin receives an OTP for verification. This adds an extra layer of security before the payout is processed.**</mark>
{% endhint %}

* Approvals are required only for payouts created by non-admin roles.

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## **Common use cases**&#x20;

Payouts are designed to fit real merchant workflows:

* **Vendor & supplier payments:** Pay external wallets in stablecoins or preferred tokens, with automatic confirmation tracking.
* **Employee or contributor compensation:** Handle multi-chain payrolls with approval layers and transparent reporting.
* **Customer refunds:** Issue crypto refunds seamlessly from your dashboard, without manual wallet handling.