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

# Payouts overview

> Cash out processor balance to a bank account or debit card

Use the Payouts API when a business cashes out its payment processor balance
to a bank account (standard) or debit card (instant).

## What you do first

1. Check [business balance](/api-reference/businesses/get-business-payment-processor-balance).
2. [Calculate barber fees](/api-reference/fees/calculate-barber-fees) before
   cash-out when you need the fee line.
3. [Create an instant payout](/api-reference/payouts/create-an-instant-payout-for-the-given-business)
   (or your standard payout path) with an
   [idempotency key](/api-reference/idempotency).
4. Send the payout to a financial account or debit card already on the business.

Instant payouts usually land in minutes, with higher fees and daily limits.
Standard payouts take 1-3 business days and cost less.

## States that matter

| Payout state | What it means for the next call                                                       |
| ------------ | ------------------------------------------------------------------------------------- |
| `pending`    | Transfer not finished; cancel may still be allowed                                    |
| `paid`       | Money landed                                                                          |
| `failed`     | No successful transfer; create a new payout with a new key if you still need one      |
| `canceled`   | Transfer stopped before pay; create a new payout with a new key if you still need one |

## When a call fails

Common failures: not enough balance, a bad destination, a hit daily limit, a
frequency Guile does not schedule, or a restricted account. The problem document
names the cause and whether a retry is safe.

If the outcome is unknown after a timeout, retry with the **same** idempotency
key so Guile can replay the first result.

## Related paths

* Fee quotes live under [Fees](/api-reference/Fees/overview).
* Business money settings live under [Businesses](/api-reference/Businesses/overview).
* [Idempotency keys](/api-reference/idempotency): required on payout writes
* [Problem types](/api-reference/problems): recover from a failed call