How To: Add Support for Venmo Payout

Overview

Venmo payouts allow users to receive instant payments directly to their Venmo account. This payout method is available for US-based users and provides a familiar, convenient payment experience.

UI Implementation

If you’re using Coinflow’s Bank Authentication UI, Venmo support is automatically included once enabled on your merchant account.

For Merchant-Initiated Payouts:

• Users can link their Venmo account directly through the UI
• Retrieve the Venmo token using the Get Withdrawer Endpoint
• Pass the token to your payout endpoint just like bank account or card tokens

For User-Initiated Payouts via SDKs:

• No additional implementation required
• Contact your Coinflow integration specialist to enable Venmo for your account
• Venmo will automatically appear as a payout option in the SDK

API Implementation

After following your usual KYC verification flow, follow these steps to allow linking a Venmo payout destination:

1. Link Venmo Account This allows the withdrawer to add a Venmo account associated with their phone number as a payout destination.

   curl --request POST \
        --url https://api-sandbox.coinflow.cash/api/withdraw/venmo \
        --header 'Authorization: YOUR_API_KEY' \
        --header 'accept: application/json' \
        --header 'content-type: application/json' \
        --header 'x-coinflow-auth-user-id: user1234' \
        --data '
   {
     "phoneNumber": "3475688633"
   }
   '

2. Call Get Withdrawer This allows you to get the tokenized Venmo account details.

   curl --request GET \
        --url https://api-sandbox.coinflow.cash/api/withdraw \
        --header 'Authorization: YOUR_API_KEY' \
        --header 'accept: application/json' \
        --header 'x-coinflow-auth-user-id: user1234'

   {
     "withdrawer": {
       "_id": "68aa405463dc197a7d9410cc",
       "__v": 0,
       "availability": {
         "status": "Functional",
         "reason": "Initial",
         "editor": "system",
         "updatedAt": "2025-08-23T22:27:31.970Z"
       },
       "currency": "USD",
       "email": "shdhdj@gmail.com",
       "merchant": "6840bca9c7cb21ee5baaae76",
       "originalCurrency": "USD",
       "riskScoreOverride": false,
       "user": true,
       "verification": {
         "hash": "8279804db6754cd1bf3d21b81eea4fa630321e1a",
         "vendor": "persona",
         "reference": "ver_sjrs9QqtDujv9kv4oKdgP8zo81Nn",
         "status": "approved",
         "attested": false
       },
       "wallets": [
         {
           "wallet": "user1234",
           "blockchain": "user"
         }
       ],
       "watchlistExempt": "Unknown",
       "bankAccounts": [
         {
           "alias": "Plaid Checking 0000",
           "token": "43c5a51e-6f2c-4e09-82ae-e000b97a9f1c",
           "routingNumber": "011401533",
           "last4": "0000",
           "accountHash": "a66621183ad216e4543f9004426a263ad58385f9",
           "rtpEligible": true,
           "reference": "68aa40746a3e3704a7618924"
         },
         {
           "alias": "Plaid Saving 1111",
           "token": "26d454b3-a928-4b7d-956d-90197c33a797",
           "routingNumber": "011401533",
           "last4": "1111",
           "accountHash": "171e7a6868b9c2b1b3ae64ab39e2660252dc90b4",
           "rtpEligible": true,
           "reference": "68aa40746a3e3704a7618924"
         }
       ],
       "cards": [],
       "ibans": [],
       "pixes": [],
       "efts": [],
       "rtpDisabled": false,
       "cardDisabled": false,
       "venmo": {
         "type": "venmo",
         "alias": "(XXX) XXX-8633",
         "token": "a8bbb23b-8732-42b0-82d9-afad14f51453"
       }
     }
   }

3. Initiate Payout This allows the withdrawer to request a payout and receive funds directly to their Venmo account.

   curl --request POST \
        --url https://api-sandbox.coinflow.cash/api/merchant/withdraws/payout/delegated \
        --header 'Authorization: YOUR_API_KEY' \
        --header 'accept: application/json' \
        --header 'content-type: application/json' \
        --data '
   {
     "amount": {
       "cents": 400
     },
     "speed": "venmo",
     "account": "a8bbb23b-8732-42b0-82d9-afad14f51453", // Venmo token (Get from calling get withdrawer)
     "userId": "user1234",
     "idempotencyKey": "123-abc-456-def"
   }
   '

   {
     "signature": "47pMMVtHceA8CiJwhuwM9E49Bysgaw5L5YtaBAzTiSotPy2zqBm3Eeg43KE9cnt5jdjMusfrUwEd4BPno36je1Jj"
   }

Important: Endpoint Varies by Payout Flow

The endpoint to initiate a payout may differ depending on your payout flow:

• Merchant-funded payouts: Pass the Venmo token to the do payout endpoint
• User-initiated payouts: Pass the Venmo token to the get transaction endpoint