Set up payout accounts

A payout account is where Paddle sends a seller's earnings. Setting one up doesn't block the seller from going live, but the seller needs a payout account before Paddle can pay them, so you should encourage them to do it right after go-live.

Payout details include sensitive bank information, so we recommend sending the seller to the Paddle dashboard to enter them rather than collecting them in your platform. The seller adds their details directly with Paddle using a magic link, and you never handle their bank details.

Overview

Set up a payout account in two steps:

1. Send the seller to their payout settings
   Mint a magic link that logs the seller into the Paddle dashboard, straight to the payout settings page.
2. Check payout status
   Reflect the seller's payout status in your platform so they know when Paddle can pay them.

Send the seller to their payout settings

Layer

Your platform

Authentication

Partner API key

Environment

Live

Mint a magic session, then send the seller's browser to a login link that drops them on the payout settings page in the Paddle dashboard.

First, send a request to the POST /magic-sessions/authorize endpoint.

If successful, Paddle returns a 201 with a one-time-use code. Use it once and don't cache it.

{
  "data": {
    "code": "Vh7nQ2pXk9Lm4Rt1Ws8Yz6Bc3Nj0Gd5Fu2Ei7Ol4KaZ",
    "expires_at": "2026-03-05T19:21:36.711613073Z"
  },
  "meta": {
    "request_id": "d1f2a3b4-5c6d-47e8-9f0a-1b2c3d4e5f60"
  }
}

Extract the code, then construct a magic link by passing it to the code query param and adding redirect=payout_settings. For example:

https://vendors.paddle.com/magic-sessions/login?code=Vh7nQ2pXk9Lm4Rt1Ws8Yz6Bc3Nj0Gd5Fu2Ei7Ol4KaZ&redirect=payout_settings

The seller lands on the payout settings page, logged in, and adds their bank or Payoneer details with Paddle.

Check payout status Optional

Layer

Your platform

Authentication

Partner API key

Environment

Live

The seller manages their payout account in the Paddle dashboard, but you can reflect its status in your platform so you know when Paddle can pay them.

Send a request to the GET /payout-accounts/{balance_currency_code} endpoint.

If successful, Paddle returns a 200 with the payout account entity. Payout accounts move from submitted_for_review to active once Paddle can pay them.

{
  "data": {
    "id": "payacc_01kd1fhj1vkv6xnwfzwq3jv5rp",
    "seller_id": "sel_01jqx8k5z9r2m4n6p8s0t2v4w6",
    "balance_currency_code": "USD",
    "status": "active",
    "payout_method": "wire_transfer",
    "payout_currency_code": "USD",
    "payout_threshold": "10000",
    "bank_details": {
      "account_holder_name": "AeroEdit",
      "account_number": "********5678",
      "bank_routing_code": "12-34-56",
      "swift_bic_code": null,
      "bank_name": "Bank of Paddle",
      "bank_country_code": "GB"
    },
    "payoneer_details": null,
    "seller_details": {
      "legal_name": "AeroEdit Inc",
      "account_type": "corporation",
      "company_no": "12345678",
      "street": "10 Downing Street",
      "city": "London",
      "country": "GB",
      "postcode": "SW1A 2AA",
      "vat_number": "GB123456789"
    },
    "approved_at": "2026-06-30T15:00:00.000Z",
    "created_at": "2026-06-30T11:00:00.000Z",
    "updated_at": "2026-06-30T15:00:00.000Z"
  },
  "meta": {
    "request_id": "b0021142-3546-47f8-83fa-245162738a9f"
  }
}

With an active payout account, the seller is fully onboarded and verified.