Instant Payouts

Learn how you can instantly payout sellers to a Visa or Mastercard Debit Card.

Seller Instant Payouts Limits

Instant Payouts are enabled on a case by case basis for different Platforms for their merchants.

Applications have limits on the number and volume of Instant Payouts.

These are applied on a rolling basis:

• Daily
• Weekly
• Monthly

In addition merchants have count and volume limits applied on a rolling basis.

Requesting an Instant Payout

Prerequisites

• Your Application is enabled for Instant Payouts
• A merchant has been enabled for Instant Payout
• A Debit card has been created and associated to the merchant_identity you want to request a pay out for

Step 1: Identify the Settlement

Instant Payouts are based on settlements. You can pay out settlements that are ACCRUING or AWAITING_APPROVAL.

Additional Notes

• The merchant will receive the net_amount of the settlement.
• You cannot instantly pay out a settlement that has a negative net_amount.

Step 2: Request an Instant Payout

For more information, you can view our Funding Transfer Attempt API Reference.

curl https://finix.sandbox-payments-api.com/settlement/STjRXh8DAJs7HsDgregrSuiK/funding_transfer_attempts \
    -H 'Content-Type: application/json' \
    -H 'Finix-Version: 2022-02-01' \
    -u USksBJMwkNUz5GyxPevL2yFY:71b641c1-861d-435b-9a9c-532760731c5e \
    -X POST \
    -d '{
        "instrument_id": "PIfbd85QZnb4dAGHHBrLiTeh",
        "amount": 101059
    }'

{
    "id": "funding_transfer_attempt_mocGf9ygfXdspxftzqizFW",
    "created_at": "2025-01-30T01:01:00.47Z",
    "updated_at": "2025-01-30T01:01:00.47Z",
    "amount": 101059,
    "application_id": "APsi2UkE1BgD1aq839yKrwRh",
    "currency": "USD",
    "failure_code": null,
    "failure_message": null,
    "funding_transfer_id": "TRmjGDHpt53BPhbx2vb5WAhn",
    "instrument_id": "PIfbd85QZnb4dAGHHBrLiTeh",
    "merchant_id": "MUa1CDgJL9vibs3BTFoL4DNa",
    "settlement_id": "STjRXh8DAJs7HsDgregrSuiK",
    "state": "SUCCEEDED",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/settlements/STjRXh8DAJs7HsDgregrSuiK/funding_transfer_attempts"
        }
    }
}

Enabling Instant Payouts on a Merchant

Work with your Customer Delivery Manager to identify any merchants you want to enable this feature on.

There is an additional cost for Instant Payouts.