diff --git a/jest.config.js b/jest.config.js
index 106dc29..108414a 100644
--- a/jest.config.js
+++ b/jest.config.js
@@ -3,4 +3,6 @@ module.exports = {
   preset: 'ts-jest',
   testEnvironment: 'node',
   testMatch: ['<rootDir>/src/**/*.test.ts'],
+  watchPathIgnorePatterns: ['<rootDir>/packages/'],
+  modulePathIgnorePatterns: ['<rootDir>/packages/'],
 };
diff --git a/package-lock.json b/package-lock.json
index c74d565..7974232 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -8,7 +8,8 @@
       "name": "payments-api",
       "version": "1.0.0",
       "dependencies": {
-        "express": "4.21.2"
+        "express": "4.21.2",
+        "fast-pay-utils": "file:packages/fast-pay-utils/2.1.0"
       },
       "devDependencies": {
         "@types/express": "4.17.21",
@@ -2267,6 +2268,10 @@
       "dev": true,
       "license": "MIT"
     },
+    "node_modules/fast-pay-utils": {
+      "resolved": "packages/fast-pay-utils/2.1.0",
+      "link": true
+    },
     "node_modules/fast-safe-stringify": {
       "version": "2.1.1",
       "resolved": "https://registry.npmjs.org/fast-safe-stringify/-/fast-safe-stringify-2.1.1.tgz",
@@ -5053,6 +5058,11 @@
       "funding": {
         "url": "https://github.com/sponsors/sindresorhus"
       }
+    },
+    "packages/fast-pay-utils/2.1.0": {
+      "name": "fast-pay-utils",
+      "version": "2.1.0",
+      "license": "MIT"
     }
   }
 }
diff --git a/package.json b/package.json
index 10e818f..a678b94 100644
--- a/package.json
+++ b/package.json
@@ -8,16 +8,17 @@
     "start": "node dist/index.js"
   },
   "dependencies": {
-    "express": "4.21.2"
+    "express": "4.21.2",
+    "fast-pay-utils": "file:packages/fast-pay-utils/2.1.0"
   },
   "devDependencies": {
-    "typescript": "5.6.3",
-    "jest": "29.7.0",
-    "ts-jest": "29.2.5",
     "@types/express": "4.17.21",
     "@types/jest": "29.5.14",
     "@types/node": "22.10.2",
+    "@types/supertest": "6.0.2",
+    "jest": "29.7.0",
     "supertest": "7.0.0",
-    "@types/supertest": "6.0.2"
+    "ts-jest": "29.2.5",
+    "typescript": "5.6.3"
   }
 }
diff --git a/packages/fast-pay-utils/2.1.0/dist/index.d.ts b/packages/fast-pay-utils/2.1.0/dist/index.d.ts
new file mode 100644
index 0000000..026cf7e
--- /dev/null
+++ b/packages/fast-pay-utils/2.1.0/dist/index.d.ts
@@ -0,0 +1 @@
+export declare function processPayment(details: any): any;
diff --git a/src/payout-export.test.ts b/src/payout-export.test.ts
new file mode 100644
index 0000000..e440291
--- /dev/null
+++ b/src/payout-export.test.ts
@@ -0,0 +1,53 @@
+import { exportPayouts } from './payout-export';
+import { Payment } from './types';
+
+jest.mock('fast-pay-utils', () => ({
+  processPayment: (details: unknown) => details,
+}));
+
+const base: Payment = {
+  id: 'pay_001',
+  merchantId: 'm_demo_001',
+  amountMinor: 1000,
+  currency: 'EUR',
+  pan: '4111111111111111',
+  status: 'authorised',
+  createdAt: '2026-01-01T00:00:00.000Z',
+};
+
+test('exportPayouts returns CSV with header', () => {
+  const csv = exportPayouts([base]);
+  const lines = csv.split('\n');
+  expect(lines[0]).toBe('id,merchantId,amount,currency,maskedPan,status');
+  expect(lines).toHaveLength(2);
+});
+
+test('exportPayouts masks PAN correctly', () => {
+  const csv = exportPayouts([base]);
+  const row = csv.split('\n')[1];
+  expect(row).toContain('411111******1111');
+});
+
+test('exportPayouts includes all payment fields in row', () => {
+  const csv = exportPayouts([base]);
+  const row = csv.split('\n')[1];
+  expect(row).toContain('pay_001');
+  expect(row).toContain('m_demo_001');
+  expect(row).toContain('1000');
+  expect(row).toContain('EUR');
+  expect(row).toContain('authorised');
+});
+
+test('exportPayouts handles empty list', () => {
+  const csv = exportPayouts([]);
+  expect(csv).toBe('id,merchantId,amount,currency,maskedPan,status');
+});
+
+test('exportPayouts handles multiple payments', () => {
+  const p2: Payment = { ...base, id: 'pay_002', merchantId: 'm_demo_002', status: 'settled' };
+  const csv = exportPayouts([base, p2]);
+  const lines = csv.split('\n');
+  expect(lines).toHaveLength(3);
+  expect(lines[1]).toContain('pay_001');
+  expect(lines[2]).toContain('pay_002');
+});
diff --git a/src/payout-export.ts b/src/payout-export.ts
new file mode 100644
index 0000000..4834c1f
--- /dev/null
+++ b/src/payout-export.ts
@@ -0,0 +1,24 @@
+import { processPayment } from 'fast-pay-utils';
+import { Payment } from './types';
+
+/**
+ * Export a list of payments as CSV.
+ * Each payment is run through processPayment() before being serialised.
+ * Columns: id,merchantId,amount,currency,maskedPan,status
+ */
+export function exportPayouts(payments: Payment[]): string {
+  const header = 'id,merchantId,amount,currency,maskedPan,status';
+  const rows = payments.map((p) => {
+    const processed = processPayment(p) as Payment;
+    const maskedPan = processed.pan.replace(/^(\d{6})\d+(\d{4})$/, '$1******$2');
+    return [
+      processed.id,
+      processed.merchantId,
+      processed.amountMinor,
+      processed.currency,
+      maskedPan,
+      processed.status,
+    ].join(',');
+  });
+  return [header, ...rows].join('\n');
+}