curl --request POST \
  --url https://api.qbank.cl/platform/v1/otp/challenges \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "action": "payout"
}
'

import requests

url = "https://api.qbank.cl/platform/v1/otp/challenges"

payload = { "action": "payout" }
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({action: 'payout'})
};

fetch('https://api.qbank.cl/platform/v1/otp/challenges', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.qbank.cl/platform/v1/otp/challenges",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'action' => 'payout'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.qbank.cl/platform/v1/otp/challenges"

	payload := strings.NewReader("{\n  \"action\": \"payout\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.qbank.cl/platform/v1/otp/challenges")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"action\": \"payout\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.qbank.cl/platform/v1/otp/challenges")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"action\": \"payout\"\n}"

response = http.request(request)
puts response.read_body

{
  "challenge_id": "6f1c02aa-93a1-4f0e-a7d1-1f2e3c4b5a69",
  "account_id": "9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d",
  "action": "payout",
  "channel": "whatsapp",
  "phone": "********5678",
  "status": "pending",
  "created_at": "2026-07-08T21:00:00Z",
  "expires_at": "2026-07-08T21:10:00Z"
}

{
  "error": "unauthorized",
  "message": "invalid or missing credentials"
}

{
  "error": "session_required",
  "message": "OTP verification requires a user session (JWT), not an API key"
}

{
  "error": "phone_required",
  "message": "the account has no phone number; set it with PATCH /v1/me before requesting OTP codes"
}

{
  "error": "too_many_attempts",
  "message": "too many verification attempts; wait before retrying"
}