1
// 1. Verificar saldo
2
const balance = await getBalance(token, orgId, merchantId, 'COP');
3
console.log('Disponible:', balance.availableBalance); // ej., 1,000,000 COP
4
5
// 2. Crear contacto de proveedor
6
const provider = await createContact(token, orgId, merchantId, {
7
  fullName: 'Servicios ABC SAS',
8
  email: 'proveedor@ejemplo.com',
9
  country: 'CO',
10
  documentType: 'NIT',
11
  documentNumber: '900123456-1',
12
  businessType: 'COMPANY'
13
});
14
15
// 3. Agregar cuenta bancaria
16
const bankAccount = await addBankAccount(token, orgId, merchantId, provider.id, {
17
  country: 'CO',
18
  currency: 'COP',
19
  bankCode: 'BANCOLOMBIA',
20
  accountNumber: '1234567890',
21
  accountType: 'checking',
22
  holderName: 'Servicios ABC SAS'
23
});
24
25
// 4. Crear orden PAYOUT
26
const payout = await createPayoutOrder(token, orgId, merchantId, {
27
  type: 'PAYOUT',
28
  originCurrencySymbol: 'COP',
29
  destinationCurrencySymbol: 'COP',
30
  amountIn: 500000,  // 500,000 COP
31
  contactId: provider.id,
32
  destinationAccountId: bankAccount.id,
33
  description: 'Pago por Factura #INV-001'
34
});
35
36
console.log('Payout creado:', payout.id);
37
console.log('Estado:', payout.status); // "PROCESSING"

1
async function safeCreatePayout(token, orgId, merchantId, payoutData) {
2
  // 1. Obtener saldo actual
3
  const balances = await getMerchantBalances(token, orgId, merchantId);
4
  const balance = balances.find(b => b.currencySymbol === payoutData.currency);
5
  
6
  // 2. Verificar saldo disponible
7
  if (!balance || balance.availableBalance < payoutData.amount) {
8
    throw new Error(
9
      `Saldo insuficiente. Disponible: ${balance?.availableBalance || 0} ${payoutData.currency}, ` +
10
      `Requerido: ${payoutData.amount} ${payoutData.currency}`
11
    );
12
  }
13
  
14
  console.log(`✓ Saldo suficiente: ${balance.availableBalance} ${payoutData.currency}`);
15
  
16
  // 3. Crear payout
17
  const payout = await createPayoutOrder(token, orgId, merchantId, payoutData);
18
  
19
  return payout;
20
}