Summary
All international SWIFT payouts require compliance document submission before funds are processed. A payout stays on hold until documents are submitted and approved by BlindPay's compliance team. The tracking_documents field on payout responses and webhooks reports progress through waiting_documents, compliance_reviewing, and approval. Documents must be submitted within 30 days of payout creation and reviewed within 8 days of submission.
Payout Flow for SWIFT
When you create a SWIFT payout, the flow is:
- Payout created → Status is
on_hold - Waiting for documents →
tracking_documents.status: waiting_documents - Documents submitted →
tracking_documents.status: compliance_reviewing - Compliance approved → Payout proceeds to
processing, fiat is sent - Compliance rejected → Status returns to
waiting_documents, submit new documents
Submitting Documents
To submit compliance documents and see the full request body, use the document submission endpoint documented on the Payouts page.
Tracking Documents Field
All payout responses and webhooks include tracking_documents:
Status Values
| Status | Description |
|---|---|
waiting_documents | Awaiting document submission |
compliance_reviewing | Documents submitted, under review |
null | Documents approved, payout processing |
Step Values
| Step | Description |
|---|---|
processing | Document verification in progress |
completed | Document verification complete |
Webhook Examples
Documents Submitted
Compliance Approved
Compliance Rejected
Timeouts
| Event | Timeout |
|---|---|
| Document submission | 30 days from payout creation |
| Compliance review | 8 days from document submission |
Accepted Documents
- Invoice
- Contract
- Purchase Order
- Delivery Slip
- Customs Declaration
- Bill of Lading
- First Party
- Others
Document templates are available in the SWIFT Deliverability guide.
Important: Documents must show the relationship between the sender and the customer. If the document doesn't clearly establish this relationship, the payment will be rejected.
First Party Payouts
If you are sending funds to your own bank account (the sender and the customer are the same person or entity), use first_party as the transaction_document_type. When first_party is selected, transaction_document_id and transaction_document_file are not required. This is common when consolidating funds across your own accounts internationally.