> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Intelligent Payouts

> 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](/webhooks#payout-failed) to enable Intelligent payouts.

  * 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](/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](/x/support#razorpayx-users).
</Warning>

### Related Information

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