{
  "merchant_order_id": "YOUR_UNIQUE_PAYOUT_ID",
  "amount": "15000.00",
  "currency": "RUB",
  "method": "sbp",
  "bank_id": "bank_1",
  "recipient": {
    "phone_number": "+79991112233",
    "customer_name": "Тестовый получатель"
  },
  "webhook_url": "https://merchant.example/payouts-hook",
  "metadata": {}
}