> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-881012b3.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Intelligent Payouts

> Find out how Intelligent Payouts reduce the risk of delayed payments via RazorpayX.

<div style={{display:"flex",flexWrap:"wrap",alignItems:"center",gap:"0.35rem 0.9rem",border:"1px solid rgba(128,128,128,0.28)",borderRadius:"0.5rem",padding:"0.45rem 0.75rem",margin:"0 0 1.25rem",fontSize:"0.875rem"}}>
  <span style={{fontWeight:600}}>Available in</span>
  <span>🇮🇳 India</span>
</div>

Intelligent Payouts detects downtimes or degradations at Razorpay's partner or beneficiary banks' side and prevents the money from being blocked for T+3 days. Downtimes refer to the time period when payouts underperform, leading to considerable delays in processing.

Intelligent Payout feature also reduces the chances of payouts being [deemed success](https://razorpay.com/blog/business-banking/payout-processing-imps-upi-transactions-deemed-success-npci/). With this, we aim to streamline online transactions and ensure a smoother payout experience for you.

## How it Works

If the beneficiary or the partner bank experiences downtime after a payout is made, the payout enters a `queued` state.

<Warning>
  **Watch Out!**

  * Intelligent payouts is available by default for Current Account users. RazorpayX Lite users must consume `payout.failed` [webhook](/docs/webhooks/payouts#payout-failed) to enable Intelligent payouts.
  * RazorpayX Lite is currently not available for new merchants. To set up a new RazorpayX account, refer to [Current Account](/docs/x/account-types/current-account).
</Warning>

* You receive a `payout.queued` webhook event to inform you of the `status_details`.
  * The reason is either `beneficiary_bank_down` or `gateway_degraded`.
* If the issue is resolved within the defined SLA, the payout is `processed`.
* If the issue is not resolved within the defined SLA, the payout is moved to the `failed` state and you receive `payout.failed` webhook event.
* You can choose to `cancel` payouts in `queued` state from the RazorpayX Dashboard or via API.

Know more about [Payout States and Life Cycle](/docs/x/payouts/states-life-cycle).

| Entity                 | Default SLA | Supported Modes        | Supported Account Type           |
| ---------------------- | ----------- | ---------------------- | -------------------------------- |
| Beneficiary Bank/ NPCI | 15 minutes  | IMPS & NEFT            | Current Account & RazorpayX Lite |
| Partner Bank           | 60 minutes  | IMPS, NEFT, RTGS & UPI | Current Account                  |

You can customise the SLA by contacting our [Support Team](/docs/x/support#razorpayx-users).

### Related Information

* [Queued Payouts](/docs/x/payouts/queued)
* [Payout Status Details](/docs/errors/x/payout-status-details)
* [Webhooks](/docs/webhooks/setup-edit-payouts)