Disbursements

Push-to-card transactions can fail if the recipient's card is expired, the issuing bank declines the OCT, or the card type does not support inbound credits (some prepaid cards have this limitation). The platform handles failures with configurable fallback logic: automatically retry on the same card, fall back to ACH if a bank account is on file, or notify the recipient to update their card information. Failure rates for push-to-card are typically 2-5% of transactions, primarily from expired cards. The dashboard provides real-time visibility into failed transactions with reason codes, and the API returns failure callbacks so your system can trigger alternative delivery without manual intervention.

PCI DSS Level 1 certified (the highest level, processing over 6 million transactions annually). SOC 2 Type II audited. AES-256 encryption for data at rest and in transit. Real-time fraud monitoring with velocity checks (per-recipient transaction limits), device fingerprinting, geographic restrictions, and anomaly detection. KYC/AML screening for high-value disbursements. Role-based access controls (RBAC) for dashboard users. Every transaction generates a timestamped, immutable audit trail — including proof of delivery — which serves as compliance documentation for regulated industries like insurance (state payout timelines), healthcare (HIPAA-adjacent billing), and airlines (DOT refund mandates).

Any industry that sends money to individuals. Insurance (claims payouts — 85% of satisfied claimants renew), airlines (DOT-mandated automatic refunds within 7 business days), hospitality (guest compensation with a 4.3x Digital Credits spend multiplier), retail (instant refunds replacing 5-10 day reversal timelines), lending (instant loan funding via push-to-card), gig economy (driver payouts where only 36% of platforms currently offer instant pay), healthcare (patient refunds — 83% say digital improves satisfaction), utilities (outage credits and rebate programs), and SaaS/marketplaces (partner commissions and affiliate payouts). The platform handles all of these through a single integration.

Typical integration timeline is 2-4 weeks. The RESTful API uses a single endpoint for all payout methods — push-to-card, ACH, Digital Credits — so you integrate once and choose the delivery rail per transaction. SDKs are available for major platforms. Pre-built webhooks connect to common CRM, POS, claims management, and HR systems (including Salesforce, Zendesk, and major property management systems). For teams that need to start immediately, the dashboard supports manual payout initiation without any API integration — useful for pilot programs or low-volume use cases while the full integration is completed.

Every notification, confirmation, and delivery receipt the recipient sees carries your brand — your company name, your logo, your messaging. There is no 'powered by Payouts Network' disclaimer and no redirect to a third-party payment screen. When a policyholder receives a claims payout, they see their insurance carrier's name. When a hotel guest receives a Digital Credit, they see the hotel's brand. This matters because most disbursement platforms either send generic bank notifications or brand the payout with the platform's own name (like PayPal or Venmo), which means a third party gets credit for your generosity. White-label disbursements keep the brand relationship between you and your recipient.

A refund reversal (credit back to the original payment method) travels through the acquiring bank, card network, and issuing bank in reverse — a process that takes 5-10 business days and requires the original transaction reference. Push-to-card is a new outbound transaction (an Original Credit Transaction, or OCT) sent directly to any Visa or Mastercard debit card. It does not depend on the original purchase, settles in under 30 seconds, and works 24/7 including weekends and holidays. This makes push-to-card applicable to use cases where no original transaction exists — insurance claims, gig worker payments, loan disbursements, and employee reimbursements.

The platform supports four primary rails through a single API integration. Push-to-card (Visa Direct, Mastercard Send): funds on the recipient's debit card in under 30 seconds, 24/7/365, using their 16-digit card number — no bank account required. ACH: $0.28-$0.50 per transaction, 1-3 business days standard, same-day available during business hours. Real-time payments (RTP, FedNow): seconds to settle, bank-to-bank, with RTP now processing over 2 million daily transactions and supporting up to $10 million per payment. Digital Credits: controlled-spend credits redeemable at 37M+ merchant locations, ideal for service recovery and incentive use cases. You choose the rail per transaction based on urgency, cost, and recipient preference — or let the recipient choose.

A digital disbursement is an electronic payment sent from a business to an individual — a customer refund, insurance claim payout, gig worker payment, loan funding, or any outbound money movement. Unlike inbound payment processing (charging a customer), disbursements flow outward. The 'digital' distinction matters: in 2018, only 11% of US consumers received disbursements instantly. By 2025, that number reached 41%. The remaining 59% are still receiving paper checks, delayed ACH transfers, or vouchers — and 90% of consumers say they would choose instant delivery if offered.