How Does a Payment Distribution by Wire Transfer Work?

May 14, 2026

Follow this step-by-step guide to learn how payments distribution by wire transfer works on the internet.

Transfer payouts let you send funds directly to your users’ accounts from a single Kushki disbursement account — without manual bank operations.

Ideal for:

Supplier or vendor payments
Marketplaces
Delivery applications
Gig economy platforms
Refunds and compensations

Choose your payout method

In Colombia you can disburse funds in two ways. Both use the same Kushki endpoints and can be configured independently based on your use case.

	Bank account (ACH)	Bre-B key (Beta)
What do you need from the recipient?	Account number, bank, and account type	Only their key: ID, phone, email, alias, or merchant code
Settlement speed	Same business day or up to 72 business hours	Real-time (maximum 30 seconds)
Maximum amount	13,900,000,000 COP	Equivalent to 1,000 UVB (updated annually by the Ministry of Finance and Public Credit)
Minimum amount	1,000 COP	1 COP
Requires bank list lookup?	Yes	No
Recipient confirmation	Not applicable	Yes — resolved name shown before initiating

The payment flow

The diagram below shows both payout methods and their key differences:

transfer out EN

Payment process stages

Reload funds into your Kushki disbursement account

Before disbursing, make sure your Kushki merchant account has sufficient funds. If not, reload your disbursement account to avoid interruptions.

1. Data request

In this stage, recipient data is collected and sent to Kushki for validation and processing.

Bank account (ACH): account number, bank, and account type are collected.
Bre-B (Beta): only the recipient’s payment key is sent. Kushki resolves the account holder’s name in real time and returns it for you to confirm before proceeding.

2. Funds check

Kushki receives the data you sent and validates that your merchant account has sufficient funds to process the payout. The balance is deducted immediately from your Kushki disbursement account.

3. Authorization

Once sufficient funds have been confirmed, we return a transaction reference (ticket number). At this point the payout has been initiated.

3b. Recipient confirmation (Bre-B only)

Before initializing, you must show the operator or end user the account holder’s name (keyResolution.ownerName) to confirm the recipient’s identity before executing the transfer. This step is required by the Banco de la República. (Bre-B Beta exclusive)

4. Fund delivery

Funds are sent to the bank or payment network:

Bank account (ACH): all transactions initiated during the day are sent to the bank via ACH cycles. The bank distributes funds to users’ accounts.
Bre-B (Beta): the transfer is settled in real time through the Low-Value Immediate Payment System (SPBVI) of the Banco de la República.

Merchant notification

The bank or network will notify us of each transaction result and we will immediately notify you.

5. User notification

This step is optional but highly recommended. Once we have notified you of the transaction result, you can share it with your users.

Note: The Kushki API accepts and processes payout requests 24/7. For ACH, the actual fund transfer is subject to Colombian banking cycles, which only operate during business days and hours. For Bre-B (Beta), processing is real-time.

Disburse to bank accounts

Integration guide for bank account payouts (ACH).

Disburse with Bre-B (Beta)

Integration guide for real-time payouts using a payment key.