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

# Payout & Bill Events

> Money-out and value-added-service events, each with a realistic sample payload.

Money-out and value-added-service events. These carry their own flat fields (`payoutId`, `billTransactionId`, `reference`, `nombaReference`, and so on) and are **not** expanded into subscription-shaped objects; there is no subscription, customer, or plan reference on them. The shared delivery envelope, headers, and retry rules are on the [webhooks overview](/webhooks/delivery) and the [event index](/api-reference/webhook-events).

<AccordionGroup>
  <Accordion title="payout_initiated" icon="building-columns">
    Fires when a [payout](/payments/payouts) is requested (`POST /v1/payouts`): the merchant balance is debited and the bank transfer is queued.

    ```json theme={null}
    {
      "id": "evt_01hkbz5poutini0000000000000",
      "type": "payout_initiated",
      "createdAt": "2026-06-29T14:00:00.000Z",
      "data": {
        "payoutId": "payout_01hkbz7p8o9i0u1y2t3r4e5w6q",
        "amount": 2500000,
        "bankCode": "058",
        "accountNumber": "0123456789",
        "reference": "DURO-POUT-3C7F91"
      }
    }
    ```
  </Accordion>

  <Accordion title="payout_completed" icon="circle-check">
    Fires when the bank transfer is accepted. Carries the settled payout in full, including the `nombaReference` and `completedAt`.

    ```json theme={null}
    {
      "id": "evt_01hkbz5poutcmp0000000000000",
      "type": "payout_completed",
      "createdAt": "2026-06-29T14:01:30.000Z",
      "data": {
        "payoutId": "payout_01hkbz7p8o9i0u1y2t3r4e5w6q",
        "amount": 2500000,
        "currency": "NGN",
        "bankCode": "058",
        "accountNumber": "0123456789",
        "accountName": "ADA LOVELACE",
        "reference": "DURO-POUT-3C7F91",
        "nombaReference": "3f7a9c21-8b4d-4e6f-9a0b-1c2d3e4f5a6b",
        "status": "completed",
        "completedAt": "2026-06-29T14:01:30.000Z"
      }
    }
    ```
  </Accordion>

  <Accordion title="payout_failed" icon="circle-xmark">
    Fires when the transfer fails; the merchant balance is refunded. Carries the failure `reason`.

    ```json theme={null}
    {
      "id": "evt_01hkbz5poutfal0000000000000",
      "type": "payout_failed",
      "createdAt": "2026-06-29T14:01:30.000Z",
      "data": {
        "payoutId": "payout_01hkbz7p8o9i0u1y2t3r4e5w6q",
        "amount": 2500000,
        "reason": "transfer rejected by bank"
      }
    }
    ```
  </Accordion>

  <Accordion title="bill_payment_completed" icon="receipt">
    Fires when a bill or VAS purchase (airtime, data, betting, cable TV, or electricity) completes. Carries the bill transaction with its `category`, `provider`, `recipient`, and provider `meta` (for example an electricity token).

    ```json theme={null}
    {
      "id": "evt_01hkbz5billcmp0000000000000",
      "type": "bill_payment_completed",
      "createdAt": "2026-06-29T15:00:00.000Z",
      "data": {
        "billTransactionId": "billtransaction_01hkbz8b7c6d5e4f3g2h1j0k9l",
        "category": "electricity",
        "provider": "ikeja-electric",
        "recipient": "45300012345",
        "amount": 1000000,
        "currency": "NGN",
        "status": "successful",
        "reference": "DURO-BILL-9A2C41",
        "nombaReference": "7c1e9b3a-4d5f-4a6b-8c9d-0e1f2a3b4c5d",
        "meta": { "token": "0123-4567-8901-2345-6789", "units": "213.5 kWh" }
      }
    }
    ```
  </Accordion>
</AccordionGroup>