> For the complete documentation index, see [llms.txt](https://docs.jgopay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.jgopay.com/english/create-withdrawal.md).

# Create Withdrawal

Initiate a withdrawal (payout) to a Malaysian bank account or e-wallet.

## Endpoint

```http
POST /payment/withdraw
Authorization: Bearer <access_token>
Content-Type: application/json
```

## Request Body

| Field            | Type   | Required | Description                                                                                                       |
| ---------------- | ------ | -------- | ----------------------------------------------------------------------------------------------------------------- |
| `amount`         | number | Yes      | Withdrawal amount (up to 2 decimal places, **50.00 – 50,000.00 MYR**)                                             |
| `currency`       | string | Yes      | ISO 4217 currency code (`MYR`)                                                                                    |
| `reference_id`   | string | Yes      | Your unique withdrawal reference (max 100 chars, **alphanumeric only**)                                           |
| `bank_code`      | string | Yes      | Bank or e-wallet code (see [Bank Codes](/english/bank-codes.md))                                                  |
| `account_number` | string | Yes      | Beneficiary bank account number                                                                                   |
| `account_name`   | string | Yes      | Beneficiary account holder name                                                                                   |
| `method`         | string | Yes      | Always `BANK` for MYR withdrawals                                                                                 |
| `phone_number`   | string | No       | Beneficiary phone number (required by some gateways)                                                              |
| `callback_url`   | string | No       | Callback URL for withdrawal result notification. Falls back to merchant default                                   |
| `metadata`       | object | No       | Custom key-value data stored with the withdrawal. **Not** returned in callbacks — use `reference_id` to correlate |

> **Security:** `callback_url` must use HTTPS (`https://`) in production. HTTP URLs are rejected with HTTP 422. This prevents interception of callback payloads containing withdrawal status and account details.

## Field Validation

| Field            | Rule                                    | Notes                                                |
| ---------------- | --------------------------------------- | ---------------------------------------------------- |
| `amount`         | 50.00 – 50,000.00 MYR, up to 2 decimals | Outside this range is rejected with `INVALID_AMOUNT` |
| `reference_id`   | **Alphanumeric only** (a-z, A-Z, 0-9)   | No spaces, hyphens, or special characters            |
| `account_number` | String, 1-50 characters                 | Bank account or e-wallet number                      |
| `account_name`   | String, 1-100 characters                | Must match the account holder                        |
| `bank_code`      | Must be a valid MYR code                | See [Bank Codes](/english/bank-codes.md)             |

## Request Example

```json
{
  "amount": 500.00,
  "currency": "MYR",
  "reference_id": "WD20260325001",
  "bank_code": "MY_MBB",
  "account_number": "1234567890",
  "account_name": "Ahmad bin Ali",
  "method": "BANK"
}
```

> For e-wallet payouts (e.g. Touch 'n Go), use the wallet's registered number as `account_number` and the wallet's code (e.g. `MY_TNG`) as `bank_code` — `method` stays `BANK`.

## Response

```json
{
  "status": "success",
  "data": {
    "payment_id": "PAY_WD1A2B3C4D",
    "reference_id": "WD20260325001",
    "amount": 500.00,
    "currency": "MYR",
    "transaction_type": "WITHDRAWAL",
    "status": "PENDING",
    "gateway_reference": null,
    "created_at": "2026-03-25T10:30:00Z"
  }
}
```

### Response Fields

| Field               | Type   | Description                                                   |
| ------------------- | ------ | ------------------------------------------------------------- |
| `payment_id`        | string | Unique withdrawal identifier                                  |
| `reference_id`      | string | Your reference ID                                             |
| `amount`            | number | Confirmed withdrawal amount                                   |
| `currency`          | string | Currency code                                                 |
| `transaction_type`  | string | Always `"WITHDRAWAL"`                                         |
| `status`            | string | Initial status (`PENDING`)                                    |
| `gateway_reference` | string | Gateway reference (initially `null`, populated on processing) |
| `created_at`        | string | Creation timestamp (ISO 8601)                                 |

## Status Flow

```
PENDING → PROCESSING → SUCCESS
                     → FAILED
```

| Status       | Description                                       |
| ------------ | ------------------------------------------------- |
| `PENDING`    | Withdrawal request created, queued for processing |
| `PROCESSING` | Gateway is processing the withdrawal              |
| `SUCCESS`    | Funds transferred to beneficiary                  |
| `FAILED`     | Withdrawal was rejected or failed                 |

You will receive a [callback](/english/webhooks.md) notification when the withdrawal reaches a terminal status (`SUCCESS` or `FAILED`).

## Withdrawal Errors

| Error Code             | HTTP Status | Description                                                       |
| ---------------------- | ----------- | ----------------------------------------------------------------- |
| `VALIDATION_ERROR`     | 400         | One or more fields failed validation                              |
| `INVALID_AMOUNT`       | 400         | Amount outside allowed range                                      |
| `INVALID_BANK_CODE`    | 400         | Bank code not supported. See [Bank Codes](/english/bank-codes.md) |
| `DUPLICATE_REFERENCE`  | 409         | `reference_id` has already been used                              |
| `NO_GATEWAY_AVAILABLE` | 503         | No active withdrawal gateway                                      |
| `GATEWAY_ERROR`        | 502         | Upstream gateway returned an error                                |


---

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