---
title: Payouts
description: Reading the payout board, approving payouts, creating Zengin files, and recording transfer results and payment receipt.
sidebar:
  order: 7
---

You pay customers by bank bulk transfer. Toreca Cloud handles approving payouts, creating the Zengin file and recording results. The money itself moves when you upload that file to your bank.

## The payout board

Open **Payouts** in the sidebar to see payouts arranged in columns by stage. Cards move from left to right.

| Column            | What's in it                                                     |
| ----------------- | ---------------------------------------------------------------- |
| Accepted          | Deals whose final quote was accepted, with no payout request yet |
| Pending approval  | Payout requests waiting to be approved                           |
| Ready to transfer | Approved and waiting to go into a Zengin file                    |
| Transferring      | In a Zengin file, waiting for the bank transfer                  |
| Awaiting receipt  | Transfer succeeded, waiting for the customer to confirm receipt  |
| Done              | Receipt confirmed                                                |

Failed transfers sit in the **Failed** column on the far left. Each card shows the customer's name, case number, amount and days in the column. It also shows what's holding it up, such as **No ID check**, **No bank account** or **No power of attorney**.

On a computer, dragging a card to the next column opens the dialog for that step. The drop alone changes nothing; the card moves only when you confirm the dialog.

## How a payout goes

1. **Create stock and payout**

    An **Accepted** deal moves to **Pending approval** when you use **Create
    stock and payout** on the deal page. Identity verification must be done.

2. **Approve the payout**

    On a **Pending approval** card, click **Approve**, check the amount and bank
    account, and approve. Select several cards to use **Approve selected**.
    Approving doesn't send any money.

3. **Create the Zengin file**

    Select **Ready to transfer** cards and click **Create payout file**. Check
    the **Transfer date** and click **Create and download** to download a
    Zengin-format file.

4. **Make the transfer at your bank**

    Upload the downloaded file to your bank's bulk transfer service and make the
    transfer.

5. **Record the transfer results**

    When the bank has finished, record the results in Toreca Cloud. Successful
    payouts move to **Awaiting receipt**, and the deal becomes **Purchased**.

6. **Record receipt**

    After confirming the customer received the money, record it with **Record
    receipt**. The card moves to **Done**.

Only owners and admins can approve payouts, create Zengin files and record transfer results. Staff who handle deals can record receipt.

### Approval rule

If **Second approval** is required under **Settings** › **Payouts**, payouts over **Approval required above** can't be approved from the board. Their cards show that they need owner approval. Open the deal's **Payout** tab, check the details, and click **Approve** there.

Payouts to an account not in the customer's name can't be approved until the power of attorney is signed. See [Identity verification](/en/guides/purchase/identity).

### Before creating a Zengin file

To create a Zengin file, first register your originator code, originator name and paying account under **Settings** › **Payouts**. The **Batch payout limit** on the same page sets how many payouts fit in one file. The suggested transfer date skips weekends but doesn't account for holidays, so check it.

Files you've created are listed under **Payout files** at the top of the page, where you can download them again or cancel them. Canceling returns the payouts in that file to where they were before.

## Record transfer results

There are three ways to record results.

| Method                    | How it works                                                                                                                                  |
| ------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------- |
| Import payout file        | Choose the Zengin file you created, check the payouts that weren't paid, and click **Record results**. Unchecked payouts are recorded as paid |
| Import bank transfer list | Load the transfer list (CSV) downloaded from your internet banking, and record a result for each transfer                                     |
| Record result             | For a single payout, choose **Succeeded** or **Failed**, then click **Record result**                                                         |

Only record **Succeeded** after confirming the full amount was transferred.

### When a transfer fails

Failed payouts move to the **Failed** column. To pay into a different account, use **Fix bank account** to choose another of the customer's accounts. The payout goes back to **Pending approval** for approval again. To retry the same account, put it in a new Zengin file.

## Record receipt

Recording receipt means the shop has confirmed the customer received the money.

1. **Open the dialog**

    On an **Awaiting receipt** card, click **Record receipt**. You can copy the
    **Payout message** to send to the customer on LINE.

2. **Choose how it was confirmed and record**

    Under **Confirmed by**, choose LINE reply, phone, no reply or other. For
    other, also fill in **Note**. Click **Record**.

:::warning
Until receipt is recorded, the cards bought in that deal show **Awaiting receipt** in Inventory. They can't go on outbound orders, site transfers or tenant transfers, or be allocated to partners.
:::

If you recorded receipt by mistake, open **View record**, enter a reason and click **Undo**. The cards go back to awaiting receipt.