Single transaction payout

      Single transaction payout

        Article summary

        Instead of a bulk payout, Buckaroo also offers the option to pay out transactions individually. In this case, all collecting transactions will be paid out separately to the merchant’s bank account. This allows for an even easier matching between Buckaroo’s payment and the corresponding transaction/invoice in the merchant’s system.

        How does it work?

        After a transaction has been released to the merchant’s balance, a payout transaction is created for that transaction with transaction type C057 – Single transaction payout. The description of this payout is as follows:

        < invoice number of the original transaction > | < description of the original transaction >

        This value is sent to the bank so that the merchant receives this information on their bank statement. Invoice number and description are both provided by the merchant when creating the transaction, so the merchant has full control over what text or reference they wish to provide in which field in order to make the match in their own system. Furthermore, transaction costs will never be deducted from the balance for merchants using this functionality, to ensure that there is always sufficient balance available for the payouts.

        Structured payouts

        For single transaction payout Buckaroo also provides the option for structured payouts. In this case, the merchant sends in a reference that follows a specific format to Buckaroo, which the merchant then receives on their bank statement as structured reference. This provides the merchant with an even easier way to match/reconcile their transactions. Buckaroo currently only supports the (Belgian) structured BBA variant. For this, the merchant must enter its own 12-digit reference in the description field of the transaction (“Description” field in the API), which passes the modulo 97 check. The reference may be surrounded by other (non-numeric) characters. For example: ++212/0500/54737++ If you wish to make use of structured payouts, please provide this information when requesting single transaction payout.

        Additional explanation Belgian Merchants
        For Merchants with a Belgian IBAN as payment account at Buckaroo, the payment per item has an extra advantage if the structured communication is used. In that case, Buckaroo's payment will also contain the structured communication and it will be shown in the correct place in the CODA file (format of the Belgian statement). Most accounting packages in Belgium use the field from the CODA with the structured communication to be able to do the 1::1 reconciliation of the incoming funds.


        Merchants who use the payment method SEPA Direct Debit cannot use this functionality. SEPA Direct Debits can be reversed by the customer – which can also happen after the transaction has been paid out – that will automatically result in a shortage of funds for the (following) payout. Single transaction payouts are also discouraged for merchants that process refunds via Buckaroo. Refunds result in a shortage of funds as well, as the regular transactions might have been paid out already. This puts either the refund or the payout on hold. Please note that it is possible to use single transaction payout and still do refunds, but only if the merchant regularly tops up his Buckaroo balance to avoid balance deficits.

        In the case that a merchant’s balance is too low at the time of a payout, the payout will be put on-hold. On-hold payouts will be reattempted automatically every day, oldest first. This way the merchant keeps receiving the payouts of older transactions as long as money keeps flowing in through new transactions. However, the payouts for the more recent transactions will be delayed. To make sure everything is caught up, the merchant will need to raise their balance.

        This can be done in the Plaza -> Financial -> Accounts and statements -> Actions -> Raise balance.

        Please note: a credit transfer to a Buckaroo account to raise the balance does not work in this situation. The transfer is allocated to the merchant and will then be paid out again, as transfers are also paid out individually. This does not happen for transactions created through the raise balance action in the Plaza.


        There are costs associated with this functionality. More information can be obtained from our sales department.

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