Create your first withdrawal

Note

You can use payment-attempts or create the payment directly.

A WITHDRAWAL_ACCOUNT transaction moves funds from an internal conomy_hq account to an external destination such as a bank account or payment rail. The origin is always an internal ACCOUNT.

---

Payment flow

01

Create payment

Use the internal account as origin and the external rail as destination.

02

Validate rail data

Send bank, customer, and destination fields required by the target country.

03

Capture

Finalize the withdrawal so the provider can process the payout.

04

Receive webhook

Update your backend from provider or sandbox delivery events.

05

Reconcile

Track the payment until it reaches a terminal state.

Create payment

Creates a withdrawal from an internal account to an external bank account.

The example below uses BANK_ACCOUNT as the destination (Argentina). For other rails — such as SPEI (Mexico), PIX (Brazil), or ACH (USA) — replace the destinations node accordingly. See the Nodes page for all available rails.

Request

HTTPcurlJavaScriptPythonGoRust

POST /sandbox/payments HTTP/1.1
Host: api.conomyhq.com
x-api-key: {YOUR_API_KEY}
Authorization: Bearer {ACCESS_TOKEN}
conomyhq-api-version: 24-04-2025
User-Agent: MyApp/1.0
Content-Type: application/json
Accept: application/json

{
  "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 Dominguez",
        "accountHolderDni": "20219636890",
        "country": "AR"
      },
      "customer": {
        "firstName": "Fernando",
        "lastName": "Dominguez",
        "documentNumber": "20219636890",
        "country": "ARG",
        "email": "fernando@example.com"
      }
    }
  ]
}

curl -X POST 'https://api.conomyhq.com/sandbox/payments' \
  -H 'x-api-key: {YOUR_API_KEY}' \
  -H 'Authorization: Bearer {ACCESS_TOKEN}' \
  -H 'conomyhq-api-version: 24-04-2025' \
  -H 'User-Agent: MyApp/1.0' \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -d '{
    "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 Dominguez",
          "accountHolderDni": "20219636890",
          "country": "AR"
        },
        "customer": {
          "firstName": "Fernando",
          "lastName": "Dominguez",
          "documentNumber": "20219636890",
          "country": "ARG",
          "email": "fernando@example.com"
        }
      }
    ]
  }'

const response = await fetch('https://api.conomyhq.com/sandbox/payments', {
  method: 'POST',
  headers: {
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Content-Type': 'application/json',
    'Accept': 'application/json',
  },
  body: JSON.stringify({
    "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 Dominguez",
          "accountHolderDni": "20219636890",
          "country": "AR"
        },
        "customer": {
          "firstName": "Fernando",
          "lastName": "Dominguez",
          "documentNumber": "20219636890",
          "country": "ARG",
          "email": "fernando@example.com"
        }
      }
    ]
  }),
});

const data = await response.json();

import requests

payload = {
  "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 Dominguez",
        "accountHolderDni": "20219636890",
        "country": "AR"
      },
      "customer": {
        "firstName": "Fernando",
        "lastName": "Dominguez",
        "documentNumber": "20219636890",
        "country": "ARG",
        "email": "fernando@example.com"
      }
    }
  ]
}

response = requests.post(
    'https://api.conomyhq.com/sandbox/payments',
    headers={
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Content-Type': 'application/json',
    'Accept': 'application/json',
    },
    json=payload,
)

data = response.json()

package main

import (
	"bytes"
	"net/http"
)

func main() {
	payload := []byte(`{
  "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 Dominguez",
        "accountHolderDni": "20219636890",
        "country": "AR"
      },
      "customer": {
        "firstName": "Fernando",
        "lastName": "Dominguez",
        "documentNumber": "20219636890",
        "country": "ARG",
        "email": "fernando@example.com"
      }
    }
  ]
}`)
	body := bytes.NewReader(payload)
	req, _ := http.NewRequest("POST", "https://api.conomyhq.com/sandbox/payments", body)
	req.Header.Set("x-api-key", "{YOUR_API_KEY}")
	req.Header.Set("Authorization", "Bearer {ACCESS_TOKEN}")
	req.Header.Set("conomyhq-api-version", "24-04-2025")
	req.Header.Set("User-Agent", "MyApp/1.0")
	req.Header.Set("Content-Type", "application/json")
	req.Header.Set("Accept", "application/json")

	client := &http.Client{}
	resp, _ := client.Do(req)
	defer resp.Body.Close()
}

use reqwest::Client;
use serde_json::json;

#[tokio::main]
async fn main() -> Result<(), Box<dyn std::error::Error>> {
    let client = Client::new();
    let payload = json!({
  "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 Dominguez",
        "accountHolderDni": "20219636890",
        "country": "AR"
      },
      "customer": {
        "firstName": "Fernando",
        "lastName": "Dominguez",
        "documentNumber": "20219636890",
        "country": "ARG",
        "email": "fernando@example.com"
      }
    }
  ]
});

    let response = client
        .post("https://api.conomyhq.com/sandbox/payments")
        .header("x-api-key", "{YOUR_API_KEY}")
        .header("Authorization", "Bearer {ACCESS_TOKEN}")
        .header("conomyhq-api-version", "24-04-2025")
        .header("User-Agent", "MyApp/1.0")
        .header("Content-Type", "application/json")
        .header("Accept", "application/json")
        .json(&payload)
        .send()
        .await?;

    let data: serde_json::Value = response.json().await?;
    Ok(())
}

Response

200

{
  "id": "<PAYMENT_ID>",
  "type": "WITHDRAWAL_ACCOUNT",
  "status": "CREATED"
}

Capture payment

Finalize the withdrawal by capturing the transaction.

Request

HTTPcurlJavaScriptPythonGoRust

POST /sandbox/payments/{PAYMENT_ID}/captured HTTP/1.1
Host: api.conomyhq.com
x-api-key: {YOUR_API_KEY}
Authorization: Bearer {ACCESS_TOKEN}
conomyhq-api-version: 24-04-2025
User-Agent: MyApp/1.0
Accept: application/json

curl -X POST 'https://api.conomyhq.com/sandbox/payments/{PAYMENT_ID}/captured' \
  -H 'x-api-key: {YOUR_API_KEY}' \
  -H 'Authorization: Bearer {ACCESS_TOKEN}' \
  -H 'conomyhq-api-version: 24-04-2025' \
  -H 'User-Agent: MyApp/1.0' \
  -H 'Accept: application/json'

const response = await fetch('https://api.conomyhq.com/sandbox/payments/{PAYMENT_ID}/captured', {
  method: 'POST',
  headers: {
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Accept': 'application/json',
  },
});

const data = await response.json();

import requests

response = requests.post(
    'https://api.conomyhq.com/sandbox/payments/{PAYMENT_ID}/captured',
    headers={
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Accept': 'application/json',
    },
)

data = response.json()

package main

import (
	"net/http"
)

func main() {
	req, _ := http.NewRequest("POST", "https://api.conomyhq.com/sandbox/payments/{PAYMENT_ID}/captured", nil)
	req.Header.Set("x-api-key", "{YOUR_API_KEY}")
	req.Header.Set("Authorization", "Bearer {ACCESS_TOKEN}")
	req.Header.Set("conomyhq-api-version", "24-04-2025")
	req.Header.Set("User-Agent", "MyApp/1.0")
	req.Header.Set("Accept", "application/json")

	client := &http.Client{}
	resp, _ := client.Do(req)
	defer resp.Body.Close()
}

use reqwest::Client;

#[tokio::main]
async fn main() -> Result<(), Box<dyn std::error::Error>> {
    let client = Client::new();
    let response = client
        .post("https://api.conomyhq.com/sandbox/payments/{PAYMENT_ID}/captured")
        .header("x-api-key", "{YOUR_API_KEY}")
        .header("Authorization", "Bearer {ACCESS_TOKEN}")
        .header("conomyhq-api-version", "24-04-2025")
        .header("User-Agent", "MyApp/1.0")
        .header("Accept", "application/json")
        .send()
        .await?;

    let data: serde_json::Value = response.json().await?;
    Ok(())
}

Response

200

{
  "id": "<PAYMENT_ID>",
  "status": "CAPTURED"
}

Webhook simulation

Simulate a webhook to test your system’s handling of withdrawal confirmations.

Request

HTTPcurlJavaScriptPythonGoRust

POST /sandboxwebhook/payments/received/payment-provider HTTP/1.1
Host: api.conomyhq.com
x-api-key: {YOUR_API_KEY}
Authorization: Bearer {ACCESS_TOKEN}
conomyhq-api-version: 24-04-2025
User-Agent: MyApp/1.0
Content-Type: application/json
Accept: application/json

{
  "id": "<PAYMENT_ID>"
}

curl -X POST 'https://api.conomyhq.com/sandboxwebhook/payments/received/payment-provider' \
  -H 'x-api-key: {YOUR_API_KEY}' \
  -H 'Authorization: Bearer {ACCESS_TOKEN}' \
  -H 'conomyhq-api-version: 24-04-2025' \
  -H 'User-Agent: MyApp/1.0' \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -d '{
    "id": "<PAYMENT_ID>"
  }'

const response = await fetch('https://api.conomyhq.com/sandboxwebhook/payments/received/payment-provider', {
  method: 'POST',
  headers: {
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Content-Type': 'application/json',
    'Accept': 'application/json',
  },
  body: JSON.stringify({
    "id": "<PAYMENT_ID>"
  }),
});

const data = await response.json();

import requests

payload = {
  "id": "<PAYMENT_ID>"
}

response = requests.post(
    'https://api.conomyhq.com/sandboxwebhook/payments/received/payment-provider',
    headers={
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Content-Type': 'application/json',
    'Accept': 'application/json',
    },
    json=payload,
)

data = response.json()

package main

import (
	"bytes"
	"net/http"
)

func main() {
	payload := []byte(`{
  "id": "<PAYMENT_ID>"
}`)
	body := bytes.NewReader(payload)
	req, _ := http.NewRequest("POST", "https://api.conomyhq.com/sandboxwebhook/payments/received/payment-provider", body)
	req.Header.Set("x-api-key", "{YOUR_API_KEY}")
	req.Header.Set("Authorization", "Bearer {ACCESS_TOKEN}")
	req.Header.Set("conomyhq-api-version", "24-04-2025")
	req.Header.Set("User-Agent", "MyApp/1.0")
	req.Header.Set("Content-Type", "application/json")
	req.Header.Set("Accept", "application/json")

	client := &http.Client{}
	resp, _ := client.Do(req)
	defer resp.Body.Close()
}

use reqwest::Client;
use serde_json::json;

#[tokio::main]
async fn main() -> Result<(), Box<dyn std::error::Error>> {
    let client = Client::new();
    let payload = json!({
  "id": "<PAYMENT_ID>"
});

    let response = client
        .post("https://api.conomyhq.com/sandboxwebhook/payments/received/payment-provider")
        .header("x-api-key", "{YOUR_API_KEY}")
        .header("Authorization", "Bearer {ACCESS_TOKEN}")
        .header("conomyhq-api-version", "24-04-2025")
        .header("User-Agent", "MyApp/1.0")
        .header("Content-Type", "application/json")
        .header("Accept", "application/json")
        .json(&payload)
        .send()
        .await?;

    let data: serde_json::Value = response.json().await?;
    Ok(())
}

Response

200

{
  "ok": true
}

Check account balance

Verify the updated balance after the withdrawal.

Request

HTTPcurlJavaScriptPythonGoRust

GET /sandbox/accounts?accountNumber=<ACCOUNT_NUMBER> HTTP/1.1
Host: api.conomyhq.com
x-api-key: {YOUR_API_KEY}
Authorization: Bearer {ACCESS_TOKEN}
conomyhq-api-version: 24-04-2025
User-Agent: MyApp/1.0
Accept: application/json

curl -X GET 'https://api.conomyhq.com/sandbox/accounts?accountNumber=<ACCOUNT_NUMBER>' \
  -H 'x-api-key: {YOUR_API_KEY}' \
  -H 'Authorization: Bearer {ACCESS_TOKEN}' \
  -H 'conomyhq-api-version: 24-04-2025' \
  -H 'User-Agent: MyApp/1.0' \
  -H 'Accept: application/json'

const response = await fetch('https://api.conomyhq.com/sandbox/accounts?accountNumber=<ACCOUNT_NUMBER>', {
  method: 'GET',
  headers: {
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Accept': 'application/json',
  },
});

const data = await response.json();

import requests

response = requests.get(
    'https://api.conomyhq.com/sandbox/accounts?accountNumber=<ACCOUNT_NUMBER>',
    headers={
    'x-api-key': '{YOUR_API_KEY}',
    'Authorization': 'Bearer {ACCESS_TOKEN}',
    'conomyhq-api-version': '24-04-2025',
    'User-Agent': 'MyApp/1.0',
    'Accept': 'application/json',
    },
)

data = response.json()

package main

import (
	"net/http"
)

func main() {
	req, _ := http.NewRequest("GET", "https://api.conomyhq.com/sandbox/accounts?accountNumber=<ACCOUNT_NUMBER>", nil)
	req.Header.Set("x-api-key", "{YOUR_API_KEY}")
	req.Header.Set("Authorization", "Bearer {ACCESS_TOKEN}")
	req.Header.Set("conomyhq-api-version", "24-04-2025")
	req.Header.Set("User-Agent", "MyApp/1.0")
	req.Header.Set("Accept", "application/json")

	client := &http.Client{}
	resp, _ := client.Do(req)
	defer resp.Body.Close()
}

use reqwest::Client;

#[tokio::main]
async fn main() -> Result<(), Box<dyn std::error::Error>> {
    let client = Client::new();
    let response = client
        .get("https://api.conomyhq.com/sandbox/accounts?accountNumber=<ACCOUNT_NUMBER>")
        .header("x-api-key", "{YOUR_API_KEY}")
        .header("Authorization", "Bearer {ACCESS_TOKEN}")
        .header("conomyhq-api-version", "24-04-2025")
        .header("User-Agent", "MyApp/1.0")
        .header("Accept", "application/json")
        .send()
        .await?;

    let data: serde_json::Value = response.json().await?;
    Ok(())
}

Response

200

{
  "id": "<ACCOUNT_ID>",
  "accountNumber": "<ACCOUNT_NUMBER>",
  "availableFunds": "0",
  "currency": "ARS",
  "status": "ACTIVE"
}

---

Withdrawal by region

Region	Destination type	Rail
Argentina	BANK_ACCOUNT	Bank transfer
Mexico	SPEI	CLABE
Brazil	PIX	PIX key
USA	ACH	Bank transfer
UK	FPE	Faster Pay
Europe	SEPA	IBAN
Chile	BANK_ACCOUNT	Bank transfer
Colombia	BANK_ACCOUNT	Bank transfer