> ## Documentation Index > Fetch the complete documentation index at: https://developer.utgl.io/llms.txt > Use this file to discover all available pages before exploring further. # Validate Payout Parameters > Validate payout parameters and destination before processing a payout request. This endpoint is currently supported for the UNIONPAY and BANK_TRANSFER methods, and is intended to ensure that the payout request meets the necessary minimum criteria for successful processing. Note that even a pre-validated payout may still fail to be processed if the destination is invalid for other reasons not checked by this endpoint. **Special Validation for Korea (KR) Bank Transfer:** When destinationCountry is "KR" and destinationCurrency is "KRW": - mobileNumber is required in destination information - mobileNumber must be in E.164 format (e.g. +82123456789) - If mobileNumber does not start with "+82", email is required in destination information - If destinationAmount is provided: Must be greater than or equal to 5 KRW - If sourceAmount is provided: Must result in a destination amount greater than or equal to 5 KRW ## OpenAPI ````yaml /issuing/api-reference/openapi.yaml post /payouts/validate openapi: 3.1.0 info: title: API Reference version: '1.0' servers: - url: https://access.utgl.io/v1 - url: https://sandbox.access.utgl.io/v1 security: - Basic: [] - Bearer: [] tags: - name: Accounts - name: Transactions - name: Card Accounts - name: Card Products - name: Cards - name: Digital Custody - name: Fee - name: Payout paths: /payouts/validate: post: tags: - Payouts summary: Validate Payout Parameters description: > Validate payout parameters and destination before processing a payout request. This endpoint is currently supported for the UNIONPAY and BANK_TRANSFER methods, and is intended to ensure that the payout request meets the necessary minimum criteria for successful processing. Note that even a pre-validated payout may still fail to be processed if the destination is invalid for other reasons not checked by this endpoint. **Special Validation for Korea (KR) Bank Transfer:** When destinationCountry is "KR" and destinationCurrency is "KRW": - mobileNumber is required in destination information - mobileNumber must be in E.164 format (e.g. +82123456789) - If mobileNumber does not start with "+82", email is required in destination information - If destinationAmount is provided: Must be greater than or equal to 5 KRW - If sourceAmount is provided: Must result in a destination amount greater than or equal to 5 KRW operationId: validatePayout requestBody: required: true content: application/json: schema: type: object discriminator: propertyName: method mapping: UNIONPAY: $ref: '#/components/schemas/UnionPayAccount' required: - method - destination properties: method: type: string enum: - UNIONPAY - BANK_TRANSFER amount: type: number description: Destination amount of payout currency: type: string description: Destination currency of payout source: type: object description: Optional source information for the payout sender properties: firstName: type: string surname: type: string nationality: type: string example: Hong Kong address: type: string description: >- The address of the source. Can be in Chinese or English. Must be longer than 20 characters and contain at least one space and one number. Chinese characters will be automatically converted to pinyin. idType: type: string enum: - national-id - passport idNumber: type: string dateOfBirth: type: string format: date example: '1999-09-09' mobileNumber: type: string description: > Mobile / phone number of the sending individual [E.164 format, e.g. +85212345678]. Required when destination country is ID (Indonesia). Required when destination country is KR (Korea). nullable: true example: '+85212345678' required: - firstName - surname - nationality - address - idType - idNumber - dateOfBirth destination: type: object description: Payout destination oneOf: - $ref: '#/components/schemas/UnionPayAccount' example: method: UNIONPAY destination: accountNumber: '6250948200000004' firstName: CHEN surname: DAWEN - $ref: '#/components/schemas/BankTransferAccount' example: method: BANK_TRANSFER destination: country: KR firstName: John surname: Smith bankCode: '001' bankAccountNumber: '1234567890' bankName: Shinhan Bank bankAddress: Seoul, Korea mobileNumber: '+82123456789' responses: '200': description: Payout Parameters Validated content: application/json: schema: type: object properties: valid: type: boolean description: Whether the payout destination is valid message: type: string description: Message describing the validation result '400': description: Payout Parameters Invalid content: application/json: schema: type: object oneOf: - $ref: '#/components/schemas/PayoutValidationError' description: >- The response will contain one of the validation error objects listed below. components: schemas: UnionPayAccount: title: UnionPay Card Account type: object required: - accountNumber - firstName - firstNameCN - surname - surnameCN - address properties: accountNumber: type: string description: >- UnionPay account​ number (mainland china resident account holders only) pattern: ^\d{16,19}$ example: 6225888888888888 firstName: type: string description: Account holder's first name example: DAWEN firstNameCN: type: string description: Account holder first name in Chinese pattern: ^[\u4e00-\u9fa5]+$ example: 大文 surname: type: string description: Account holder surname example: CHEN surnameCN: type: string description: The receiver's surname in Chinese example: 陈 address: type: string description: >- The account's address. Can be in Chinese or English. Must be longer than 20 characters and contain at least one space and one number. Chinese characters will be automatically converted to pinyin. example: 上海市黄浦区南京东路333号202室 BankTransferAccount: title: Bank Transfer Account type: object required: - country - firstName - surname - bankCode - bankAccountNumber - bankName - bankAddress properties: country: type: string description: > The country code associated with the bank account (ISO 3166-1 alpha-2 format). Currently supported countries and their corresponding currencies: - HK (Hong Kong): CNH, HKD - PH (Philippines): PHP - IN (India): INR - ID (Indonesia): IDR Note: The destination currency must match one of the supported currencies for the selected country. enum: - HK - PH - IN - ID example: HK firstName: type: string description: >- The first name of the account holder as it appears on the bank account. example: John surname: type: string description: >- The surname (last name) of the account holder as it appears on the bank account. example: Smith dateOfBirth: type: string format: date description: The date of birth of the account holder in YYYY-MM-DD format. nullable: true example: '1990-01-15' mobileNumber: type: string description: > The mobile phone number of the account holder [E.164 format, e.g. +85212345678]. Required when country is ID (Indonesia). Required when country is KR (Korea). nullable: true example: '+85212345678' email: type: string description: > The email address of the account holder. Required when destinationCountry is "KR" and mobileNumber does not start with "+82". nullable: true example: john.smith@example.com address: type: string description: >- The address of the account holder, optional for HK (Hong Kong), PH (Philippines), IN (India), but required for all other countries. Can be in Chinese or English. Must be longer than 20 characters and contain at least one space and one number. Chinese characters will be automatically converted to pinyin. nullable: true example: 123 Main Street, Central, Hong Kong branchCode: type: string description: > The branch code of the bank, required for country/countries IN (India). nullable: true example: '001' swiftCode: type: string description: > The SWIFT/BIC code of the bank. Optional for HK (Hong Kong), PH (Philippines), IN (India), but required for all other countries. This code is essential for international transfers to correctly route the payment to the recipient's bank. nullable: true example: HSBCHKHHHKH iban: type: string description: | The International Bank Account Number (IBAN). Primarily used for European banks and some international transfers. nullable: true example: GB29 NWBK 6016 1331 9268 19 bankCode: type: string description: > The bank code or routing number specific to the country's banking system. Format varies by country (e.g., sort code for UK, routing number for US). example: '004' bankAccountNumber: type: string description: The bank account number of the recipient. example: '1234567890' sortCode: type: string description: | The sort code - primarily used for UK banks. Format: XX-XX-XX (6 digits with hyphens). nullable: true example: 12-34-56 bankName: type: string description: The full name of the bank. example: HSBC Hong Kong bankAddress: type: string description: The full address of the bank branch. example: 1 Queen's Road Central, Hong Kong bankAccountProof: type: string description: > Proof of the bank account ownership. This can be a bank statement, account opening document, or screenshot showing account details. The document should clearly show the account holder name and account number. nullable: true example: data:application/pdf;base64,JVBERi0xLjQK... PayoutValidationError: type: object properties: code: type: string enum: - UNIONPAY_INVALID_BANK_ACCOUNT - UNIONPAY_AMOUNT_EXCEEDS_LIMIT - UNIONPAY_INVALID_CURRENCY - UNIONPAY_AMOUNT_LESS_THAN_LIMIT - UNIONPAY_INVALID_BANK_ACCOUNT_TYPE - UNIONPAY_INVALID_CARD_NUMBER - UNIONPAY_INVALID_CUSTOMER_NAME - UNIONPAY_INVALID_TRANSACTION_TYPE - UNIONPAY_BANK_ACCOUNT_NUMBER_NOT_MATCH - UNIONPAY_BANK_ACCOUNT_NAME_NOT_MATCH - UNIONPAY_AMOUNT_EXCEEDS_DAILY_LIMIT - UNIONPAY_AMOUNT_EXCEEDS_MONTHLY_LIMIT - UNIONPAY_BANK_ACCOUNT_AND_CODE_NOT_MATCH - UNIONPAY_BANK_ACCOUNT_AND_BRANCH_CODE_NOT_MATCH - UNIONPAY_BANK_ACCOUNT_NAME_NOT_MATCH_CUSTOMER_OR_ID - UNIONPAY_BANK_ACCOUNT_NAME_NOT_MATCH_ID - UNIONPAY_INVALID_ID_CARD_NUMBER - UNIONPAY_INVALID_ID_CARD_TYPE - UNIONPAY_ID_CARD_EXPIRED - UNIONPAY_ID_CARD_NAME_NOT_MATCH_CUSTOMER_NAME - UNIONPAY_ID_CARD_NUMBER_NOT_MATCH_CUSTOMER_NAME - UNIONPAY_CUSTOMER_NAME_NOT_MATCH_ID_CARD_NAME - UNIONPAY_INVALID_TRANSACTION_AMOUNT - UNIONPAY_INVALID_EMAIL - UNIONPAY_INVALID_ADDRESS - UNIONPAY_CARD_EXPIRED - UNIONPAY_CARD_INACTIVE - UNIONPAY_SUSPICIOUS_TRANSACTION - UNIONPAY_SYSTEM_ERROR - UNIONPAY_TRANSACTION_NOT_ALLOWED - UNIONPAY_EXCEEDS_WITHDRAWAL_LIMIT - UNIONPAY_EXCEEDS_WITHDRAWAL_FREQUENCY - UNIONPAY_SECURITY_ERROR - UNIONPAY_SUSPECTED_FRAUD - UNIONPAY_CARD_NOT_EFFECTIVE - UNIONPAY_SERVICE_PROVIDER_ERROR - UNIONPAY_UNSPECIFIED_FAILURE - UNIONPAY_TIMEOUT - UNIONPAY_SYSTEM_MALFUNCTION - SOURCE_ADDRESS_VALIDATION_FAILED - DESTINATION_ADDRESS_VALIDATION_FAILED description: Validation failure code for the validation failure. message: type: string description: Message describing the failed validation. example: UNIONPAY_INVALID_BANK_ACCOUNT: code: UNIONPAY_INVALID_BANK_ACCOUNT message: >- The provided bank account is invalid. Please double-check the bank account details and try again. SOURCE_ADDRESS_VALIDATION_FAILED: code: SOURCE_ADDRESS_VALIDATION_FAILED message: >- Source address validation failed. Address must be longer than 20 characters and contain at least one space and one number. DESTINATION_ADDRESS_VALIDATION_FAILED: code: DESTINATION_ADDRESS_VALIDATION_FAILED message: >- Destination address validation failed. Address must be longer than 20 characters and contain at least one space and one number. securitySchemes: Basic: type: http scheme: basic Bearer: type: http scheme: bearer bearerFormat: JWT ````