Withdrawal account

Payment model WITHDRAWAL_ACCOUNT

Move funds from an internal Conomy account to an external destination.

The account owner authorizes the withdrawal, Conomy captures the funds, and the selected rail processes the external payout.

Origin: One internal ACCOUNT with available balance.
Destination: A pay-out rail such as BANK_ACCOUNT, BREB, SPEI, ACH, FedNow, RTP, WIRE, SEPA, FPE, SWIFT, PIX, or CRYPTO.
Best for: User withdrawals, merchant payouts, bank disbursements, and cross-border exits from an internal balance.

Example

{
  "identityId": "<IDENTITY_ID>",
  "accountNumber": "<ACCOUNT_NUMBER>",
  "product": "ARS:ARS",
  "type": "WITHDRAWAL_ACCOUNT",
  "purchaseAmount": "5000",
  "purchaseCurrency": "ARS",
  "currency": "ARS",
  "origins": [
    {
      "type": "ACCOUNT",
      "currency": "ARS",
      "identity": { "identityId": "<IDENTITY_ID>" },
      "account": { "accountNumber": "<ACCOUNT_NUMBER>" }
    }
  ],
  "destinations": [
    {
      "type": "BANK_ACCOUNT",
      "currency": "ARS",
      "bank": {
        "accountNumber": "0000267900000001588730",
        "bank": "BANCO_CMF",
        "currency": "ARS",
        "typeAccount": "CHECKING",
        "accountHolder": "Fernando Domínguez",
        "accountHolderDni": "20219636890",
        "country": "AR"
      },
      "customer": {
        "firstName": "Fernando",
        "lastName": "Domínguez",
        "documentNumber": "20219636890",
        "country": "ARG",
        "email": "fernando@example.com"
      }
    }
  ]
}

Ownership

Only the account owner can initiate a withdrawal.

Settlement Time

Settlement time depends on the destination rail. Instant rails (PIX) settle in seconds. Traditional rails (ACH, SEPA) may take 1–3 business days.

Bulk Payments

Bulk disbursements are supported: one origin, multiple destinations.

Available Destinations by Region

Region	Rail	Type
Argentina	Bank transfer	`BANK_ACCOUNT`
Mexico	CLABE	`SPEI`
Brazil	PIX key	`PIX`
Colombia	Bank payout	`BREB`
USA	Bank transfer	`ACH`
USA	Wire	`WIRE`
USA	Instant bank	`FEDNOW`
USA	Real-time	`RTP`
UK	Faster Pay	`FPE`
Europe	IBAN	`SEPA`
Global	International	`SWIFT`
Chile	Bank transfer	`BANK_ACCOUNT`
Colombia	Bank transfer	`BANK_ACCOUNT`
Peru	Bank transfer	`BANK_ACCOUNT`
Bolivia	Bank transfer	`BANK_ACCOUNT`
Paraguay	Bank transfer	`BANK_ACCOUNT`
Australia	Bank transfer	`BANK_ACCOUNT`
Costa Rica	Bank transfer	`BANK_ACCOUNT`
Dominican Republic	Bank transfer	`BANK_ACCOUNT`
Ecuador	Bank transfer	`BANK_ACCOUNT`
Panama	Bank transfer	`BANK_ACCOUNT`
Uruguay	Bank transfer	`BANK_ACCOUNT`
Venezuela	Bank transfer	`BANK_ACCOUNT`
Canada	Bank transfer	`BANK_ACCOUNT`
Canada	International	`SWIFT`
China	International	`SWIFT`
Hong Kong	International	`SWIFT`