Quotes and pricing

Every payout has three amounts: what the wallet is debited, Infinity’s fee, and what the payee receives. A quote computes all three for up to 100 payouts with the same pricing code a create uses, without storing or reserving anything. Use it to show your users a price, or to check affordability before you commit funds.

Create a quote

The quote body mirrors the POST /payouts body, without the fields that only matter once payouts exist:

curl "$BASE/quotes" \
  -H "Authorization: Bearer $INFINITY_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "wallet_id": "wallet_7t4m9k2qx8d3hn5r",
    "items": [
      { "payee_id": "payee_c8pnahcrxqzd3z8d", "amount": "500.00", "currency": "eur" },
      { "payee_id": "payee_x3k7r9mwq2dn8hat", "amount": "250.00", "currency": "gbp" }
    ]
  }'

Response

{
  "wallet_id": "wallet_7t4m9k2qx8d3hn5r",
  "debit_currency": "usd",
  "fee_bearer": "account",
  "items": [
    {
      "payee_id": "payee_c8pnahcrxqzd3z8d",
      "amount": "500.00",
      "currency": "eur",
      "debit_amount": "568.35",
      "fee": "10.00",
      "rate": "0.8955",
      "payee_amount": "500.00",
      "payee_currency": "eur"
    },
    {
      "payee_id": "payee_x3k7r9mwq2dn8hat",
      "amount": "250.00",
      "currency": "gbp",
      "debit_amount": "344.00",
      "fee": "10.00",
      "rate": "0.7485",
      "payee_amount": "250.00",
      "payee_currency": "gbp"
    }
  ],
  "total_debit": "912.35",
  "total_fee": "20.00",
  "available_balance": "10000.00",
  "sufficient_balance": true
}

Lines are returned in request order, and each payee may appear only once.
fee_bearer is taken from your account settings at the time of the quote.
available_balance is the wallet’s available amount, and sufficient_balance applies the same check a create applies. A quote never fails for insufficient funds; it reports false instead.
Quotes take no Idempotency-Key, name, description, reference or metadata, because nothing is created. Sending them returns 400 unknown_parameter.

Amounts

Field	Meaning
`amount`, `currency`	The amount you requested, in the payee’s currency.
`debit_amount`, `debit_currency`	What the wallet is debited for this line, fee included, in the wallet’s currency.
`fee`	Infinity’s fee, in `debit_currency`.
`rate`	Units of `payee_currency` per one unit of `debit_currency`.
`payee_amount`, `payee_currency`	What the payee receives.

Who pays the fee

fee_bearer determines which side the fee comes from. For EUR 500.00 at 0.8955 with a USD 10.00 fee:

`fee_bearer`	`debit_amount`	`payee_amount`
`account`	USD 568.35 (558.35 converted + 10.00 fee)	EUR 500.00
`payee`	USD 558.35	EUR 491.04 (the fee, converted at the same rate, is deducted)

With payee, the amount after the fee must still meet the currency’s minimum. Change the setting on your account.

Rates aren’t locked

A quote prices at the current rate and doesn’t hold it. Payouts are priced again when you create them, so their debit_amount can differ slightly from the quote’s; the payout object always records what was actually charged. Present quoted amounts to your users as estimates. For indicative rates without payees, GET /exchange-rates returns the rates your dashboard shows:

curl "$BASE/exchange-rates" -H "Authorization: Bearer $INFINITY_KEY"

Response

{
  "base": "usd",
  "rates": [
    { "currency": "eur", "rate": "0.8955" },
    { "currency": "gbp", "rate": "0.7485" }
  ],
  "fetched_at": "2026-10-29T10:00:00Z",
  "expires_at": "2026-10-29T10:05:00Z"
}

expires_at is when the rates are next refreshed.

Payouts to India

On accounts enabled for India, you enter INR payouts in USD ("currency": "usd") and the payee receives INR. The INR amount is fixed at settlement, so on these lines rate and payee_amount are null. The payout’s payee_amount is populated once it’s paid.

Get started

Concepts

Build reliably

Create a quote

Amounts

Who pays the fee

Rates aren’t locked

Payouts to India