# Instant Payouts

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

Early Access
This feature is in early access. Please contact your Customer Delivery Manager for additional information.**

## 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](/api/settlements/createsettlementfundingtransferattempt).


```shell Funding Transfer Request
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
    }'
```


```json Funding Transfer Response
{
    "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.