Quotation rate locking (Pay-Out)

What is fixed

A quotation fixes, until its expiration_date:

• the exchange rate (wholesale_fx_rate),
• the fee (fee),
• the amounts sent and received (source.amount, destination.amount),
• the payers that can deliver it (payers_available).

How long

30 minutes from creation_date. The exact time is in expiration_date.

Rules

• A quotation can be executed once. Executing it again with the same body returns the same transaction.
• It can be executed only while its status is ONHOLD and before expiration_date. Otherwise the API answers 422 Quotation has expired. or Quotation is not pending execution.
• An expired quotation stays EXPIRED. Sending the same create request again returns it as EXPIRED; it does not renew it. To quote again, use a new external_identifier.

{
  "reference": "payout-2026-000123",
  "status": "ONHOLD",
  "creation_date": "2026-10-19T12:00:00.000000Z",
  "expiration_date": "2026-10-19T12:30:00.000000Z"
}

Check a quotation

GET /api/v1/pay-out/quotations/{reference} returns its current status and expiration_date. See Get a quotation.

See also

• Create a quotation
• FX and rate locking