--- title: "Understand payout settings" description: "Understand payout schedules, destinations, aging rules, and automatic payout mode." canonical: "https://studio.inttegro.com/guides/understand-payout-settings" format: inttegro-machine-docs/v1 language: "Go" sdk_version: "v11.0.1" reader_profile: optional reader_manifest: "https://studio.inttegro.com/machine/go/readers/index.json" reader_identification: "Optional: declare your client only if known and your current-session capabilities; use reader_manifest for supplemental recommendations." preamble_estimated_tokens: 508 model_token_report: "https://studio.inttegro.com/machine/token-report.json" preamble_questions: 5 preamble_source: "curated" recommended_mcp_tools: ["get_payout_settings","get_payout"] estimated_tokens: 3364 token_estimate_method: "utf8_bytes_divided_by_4" --- ## Machine preamble **Summary:** Read one account’s payout mode, aging rule, and currency-to-destination map before explaining or changing settlement; a stored FX flag is not cross-currency authorization. ### Five questions #### Q1. What scope does the settings response describe? The settings belong to the account used for the request, not every account in an organization. Use [payout settings](https://studio.inttegro.com/machine/go/api/payouts.md#get-payout-settings) to read the current mode and routing before acting. #### Q2. What does automatic versus manual mean? Automatic means Inttegro creates eligible payouts on the configured cadence; manual stops automatic creation and requires explicit scheduling. Neither mode bypasses the same transaction aging and destination checks. See [schedule](https://studio.inttegro.com/machine/go/guides/understand-payout-settings.md#schedule). #### Q3. When does a transaction become eligible? Read the returned aging rule; the documented default is an exact 168 hours after settlement, not merely the next calendar week. The next payout after that time may include it if other checks pass. See [aging rule](https://studio.inttegro.com/machine/go/guides/understand-payout-settings.md#aging-rule). #### Q4. What if a currency has no destination key? Automatic payouts cannot be created for that currency. Confirm the mapped financial account is active, same-currency, and push-enabled; a manual schedule still supplies a destination ID directly. See [destinations](https://studio.inttegro.com/machine/go/guides/understand-payout-settings.md#destinations). #### Q5. Can MCP fix settings or approve FX? No. [get_payout_settings](https://studio.inttegro.com/machine/go/inttegro-mcp/tools.md#get_payout_settings) is a read tool; use the [Payouts API](https://studio.inttegro.com/machine/go/api/payouts.md) for changes. A stored FX flag is informational unless the specific payout operation supports the cross-currency path; current destinations must match payout currency. ## Document content # Understand payout settings Payout settings answer two questions: when Inttegro should create automatic payouts, and which financial account should receive each currency. They apply to one Inttegro account, not the whole organization. > Mcp Guide Callout is interactive content. Use the canonical page to view it. Use [Get payout settings](https://studio.inttegro.com/machine/go/api/payouts.md#get-payout-settings) for the exact response. Use this guide to interpret the fields. ## The settings object The read response returns a [`Settings`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) object. | Field | Meaning | | -------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------- | | [`Settings.Schedule`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) | Current payout mode and timing. Omitted only if a schedule cannot be resolved. | | [`Settings.Destinations`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) | Map of currency code to financial account ID. Always present and may be empty. | | [`Settings.FxEnabled`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) | Stored FX setting when present. It does not make cross-currency payouts available by itself. | Lookup and mutation responses expose slightly different schedule shapes. When you are implementing a request or parser, follow the [Payouts API reference](https://studio.inttegro.com/machine/go/api/payouts.md) for the operation you call. ## Schedule [`Settings.Schedule`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) tells you whether Inttegro creates payouts automatically. | Field | Automatic mode | Manual mode | | ---------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------- | | [`Settings.Schedule.Type`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) | `"automatic"` | `"manual"` | | [`Settings.Schedule.Name`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) | Usually `"weekly"` | Usually `"manual"` | | [`Settings.Schedule.Interval`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) | `"weekly"` | `"manual"` | | [`Settings.Schedule.ScheduleOn`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) | `"sunday"` | `"manual"` | | [`Settings.Schedule.Description`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) | Human-readable schedule summary. | Human-readable schedule summary. | When [`Settings.Schedule.Type`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) is `"automatic"`, Inttegro creates payouts on the configured cadence when eligible funds and destinations exist. The default automatic schedule runs weekly on Sunday at midnight UTC. When [`Settings.Schedule.Type`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) is `"manual"`, Inttegro does not create automatic payouts. You create them yourself with [Schedule a payout](https://studio.inttegro.com/machine/go/api/payouts.md#schedule-a-payout). ## Aging rule [`Settings.Schedule.AgingSpec`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) controls when balance transactions become payout-eligible. | Field | Meaning | | ---------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | [`Settings.Schedule.AgingSpec.TPlus`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) | Minimum age before a balance transaction can be included. The default is `"168h"`. | | [`Settings.Schedule.AgingSpec.Label`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) | Stable label for the aging rule, such as `"168_hours"`. | | [`Settings.Schedule.AgingSpec.Abide`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) | Enforcement mode. Public settings currently use strict enforcement. | The aging window is exact. If a payment settles Monday at 15:00 UTC and [`Settings.Schedule.AgingSpec.TPlus`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) is `"168h"`, it becomes eligible the following Monday at 15:00 UTC. The next payout after that moment can include it. ## Destinations [`Settings.Destinations`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) maps payout currencies to financial accounts: ```json { "destinations": { "ghs": "fa_H3cNv7pQf9WbLt2mJs6yXrPq4Kz1Vd5G0aEiUo" } } ``` Read it as “send eligible GHS payouts to this financial account.” Destination rules: - Currency keys are lowercase currency codes. - The financial account must be connected to the same Inttegro account. - The account currency must match the map key. - The account must be active and able to receive payouts. - A missing currency key means automatic payouts cannot be created for that currency. - Updating the map affects future payouts, not payouts that are already scheduled or executing. Manual payout requests still provide [`DestinationID`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#ScheduleParams.DestinationID) directly. The settings map is primarily automatic-routing configuration, not a reason to omit the destination from a manual payout request. ## FX setting [`Settings.FxEnabled`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) may appear when a setting has been stored. Treat it as informational unless the API reference for the payout operation explicitly supports the cross-currency flow you need. Today, payout destinations must use the same currency as the funds being paid out. ## Operational checks Use payout settings to answer common operations questions. | Question | Check | | ------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | Are automatic payouts on? | [`Settings.Schedule.Type`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) should be `"automatic"`. | | Which day do automatic payouts run? | [`Settings.Schedule.ScheduleOn`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup). | | How long do funds age before payout? | [`Settings.Schedule.AgingSpec.TPlus`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup). | | Will GHS funds route anywhere? | [`Settings.Destinations.Ghs`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup) should be present and point to an active GHS financial account. | | Why did no automatic payout run? | Check [`Settings.Schedule.Type`](https://pkg.go.dev/github.com/inttegro/inttegro-sdk-go/v11@v11.0.1/payout#SettingsLookup), the destination map, eligible balance transactions, and open payouts for the destination. | | Can I pay out in another currency? | Confirm both supported currency coverage and a same-currency destination. | ## Related resources - [Payouts API reference](https://studio.inttegro.com/machine/go/api/payouts.md) - Exact settings, scheduling, and destination contracts. - [How payouts use your balance](https://studio.inttegro.com/machine/go/guides/understand-payouts.md) - Selection, refund interactions, statuses, and reconciliation. - [Manage payout destinations](https://studio.inttegro.com/machine/go/guides/manage-payout-destinations.md) - Connect and route payout accounts. - [Enable automatic payouts](https://studio.inttegro.com/machine/go/guides/enable-automatic-payouts.md) - Switch back to automatic weekly settlement. - [Disable automatic payouts](https://studio.inttegro.com/machine/go/guides/disable-automatic-payouts.md) - Switch to manual settlement.