Create your first withdrawal

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.

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Payment flow

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.

curl --location 'https://api.conomyhq.com/sandbox/payments' \
--header 'x-api-key: <YOUR_API_KEY>' \
--header 'User-Agent: <YOUR_APPLICATION_NAME>' \
--header 'Authorization: Bearer <ACCESS_TOKEN>' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--data '{
  "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": "[email protected]"
      }
    }
  ]
}'

Capture payment

Finalize the withdrawal by capturing the transaction.

curl --location --request POST 'https://api.conomyhq.com/sandbox/payments/<PAYMENT_ID>/captured' \
--header 'x-api-key: <YOUR_API_KEY>' \
--header 'User-Agent: <YOUR_APPLICATION_NAME>' \
--header 'Authorization: Bearer <ACCESS_TOKEN>' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--data ''

Webhook simulation

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

curl --location --request POST 'https://api.conomyhq.com/sandboxwebhook/payments/received/payment-provider' \
--header 'x-api-key: <YOUR_API_KEY>' \
--header 'User-Agent: <YOUR_APPLICATION_NAME>' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <ACCESS_TOKEN>' \
--header 'Accept: */*' \
--data-raw '{
  "id": "<PAYMENT_ID>"
}'

Check account balance

Verify the updated balance after the withdrawal.

curl --location 'https://api.conomyhq.com/sandbox/accounts?accountNumber=<ACCOUNT_NUMBER>' \
--header 'x-api-key: <YOUR_API_KEY>' \
--header 'User-Agent: <YOUR_APPLICATION_NAME>' \
--header 'Authorization: Bearer <ACCESS_TOKEN>' \
--header 'Accept: application/json'

---

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