Withdrawal Flow

This guide explains how to process withdrawals on Payluk, from initializing a withdrawal request to verifying the final transaction reference. The withdrawal flow is designed to be secure, auditable, and resistant to tampering.

Overview

The Payluk withdrawal process follows a two-step confirmation model to ensure funds are released safely and intentionally.

The withdrawal flow consists of two main steps:

Create a Withdrawal Payment Intent
Verify and Complete the Withdrawal

Why a Two-Step Withdrawal Process?

This approach ensures:

✅ Secure authorization of withdrawals
✅ Proper balance and risk validation before funds are released
✅ Protection against duplicate, replayed, or fraudulent requests
✅ Full audit trail for reconciliation and compliance

At no point should withdrawals be executed directly from client-side applications.