Context

When processing payments for a merchant configured for Batch Payout, you may want to route specific payments to an alternative bank account by specifying the destination_bank_account field in your request.

However, the payment is deposited into the merchant's default bank account instead, and the destination_bank_account value appears to be ignored.

Answer

This is expected behavior. For merchants configured with Batch Payout, the destination_bank_account field cannot be used to override the destination bank account on a per-transaction basis. The system does not support routing individual payments to a different bank account under this payout configuration.

If you need to send payments to an alternative bank account, you have the following options:

1. Switch the merchant's payout type from Batch to Individual. This will allow per-transaction routing, but note that Individual payouts incur a charge per transfer.

2. Set the alternative bank account as the merchant's default payout account. This is straightforward but will redirect all payments for that merchant to the new default account.

3. Create a separate merchant with the desired bank account set as its default. This is the recommended approach if you need to route payments for distinct services or use cases to different bank accounts on a case-by-case basis, without affecting other payments.