Shipfintech & enterprisesuperpowers.

const crypto = require('crypto');
const axios = require('axios');

function sign(payload, secret) {
  const body = JSON.stringify(payload);
  const hmac = crypto.createHmac('sha256', secret).update(body).digest('hex');
  return { body, signature: hmac };
}

async function createPayout() {
  const payload = {
    amount: 5000,
    currency: 'INR',
    to: { ifsc: 'HDFC0001234', account: '012345678901' },
    reference: 'INV-4021',
  };
  const { body, signature } = sign(payload, process.env.FS_SECRET);
  const res = await axios.post('https://api.example.com/v1/payouts', body, {
    headers: { 'x-api-key': process.env.FS_KEY, 'x-signature': signature, 'content-type': 'application/json' },
    timeout: 10_000,
  });
  console.log(res.data);
}

createPayout().catch(console.error);