---
title: Payout Quote
description: Preview the stablecoin amount to send and the fiat amount the customer receives before creating a payout.
---

## What it is

A payout quote shows how much you or your customer must send in stablecoins and how much the customer receives in fiat. For example, sending `1,000 USDC` to a customer with a US bank account quotes `1,000 USDC` sent and `$999` received.

## How it works

Fees can be paid by either party:

| Payer    | Fee basis                                          | API setting        | Dashboard option                  |
| -------- | -------------------------------------------------- | ------------------ | --------------------------------- |
| Customer | Fiat currency (USD, BRL) the customer receives     | `cover_fees: false` | Keep `Cover all payout fees` off  |
| Sender   | Stablecoins (USDC) the sender sends                | `cover_fees: true`  | Enable `Cover all payout fees`    |

Customer-paid fees are the most common scenario. Sender-paid fees are typical for payroll.

![BlindPay customer paying for the fees](https://pub-4fabf5dd55154f19a0384b16f2b816d9.r2.dev/customer_fees.jpg)

![BlindPay sender paying for the fees](https://pub-4fabf5dd55154f19a0384b16f2b816d9.r2.dev/sender_fees.jpg)

`request_amount` does not accept float values. To send `1.23 USDC`, pass `123`.

### SWIFT documents

For international SWIFT payouts, compliance documents are required but are **collected after the payout is created**, not at quote creation time. Once the payout is created, it is placed `on_hold` until the required documents are submitted and approved.

::c-alert{icon="circle-info"}
To learn more about the SWIFT document submission flow, accepted document types, and compliance statuses, see the [SWIFT statuses guide](/knowledge-base/guides/swift-statuses).
::

## Prerequisites

::c-prerequisites
::

You also need a [customer](/docs/essentials/customers#create-a-customer) and a [bank account](/docs/essentials/bank-accounts#add-a-bank-account).

## Create a payout quote

You can check the required fields in the [BlindPay API Docs](https://api.blindpay.com/reference#tag/quotes/POST/v1/instances/{instance_id}/quotes){target="\_blank"}.

::c-auth-note{customer bank-account}
::

::c-code-group

```bash [cURL]
curl --request POST \
  --url https://api.blindpay.com/v1/instances/in_000000000000/quotes \
  --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \
  --header 'Content-Type: application/json' \
  --data '{
  "bank_account_id": "ba_000000000000",
  "currency_type": "sender",
  "cover_fees": false,
  "request_amount": 1000,
  "network": "sepolia",
  "token": "USDC"
}'
```

::

## Related

- [Payouts](/docs/essentials/payouts) · [Bank Accounts](/docs/essentials/bank-accounts) · [Customers](/docs/essentials/customers)
- [SWIFT statuses guide](/knowledge-base/guides/swift-statuses)