Platform

Singular Platform, Expansive Ways to Pay

We designed the PayNow™ Platform to meet your business’ unique disbursement needs

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Instant Payouts

Pay Recipients Directly (Cash Equivalent)

Originator

Authenticate the recipient and initiate a payout within your native workflow or UI.

Recipient

Instant payouts are immediately activated and available in your UI for a fully-branded, white-label experience.

Digital Credits

Pay After Qualifying Transaction (Controlled Spend)

Originator

Authenticate the recipient and trigger a digital credit allocation based on service criteria.

Qualifying Merchant

Recipient completes a qualifying transaction at a designated merchant or service location.

Recipient

After the transaction is verified, funds are released directly to the recipient’s preferred card or account.

Pay with Points

Pay to Reward Loyalty (Controlled Spend)

Qualifying Merchant

Recipient initiates a qualifying purchase at a participating merchant.

Points Bank

Available points are validated and converted to a statement credit or reward value.

Recipient

Redemption is completed automatically, with funds applied to their account or card in real time.

Solutions

Instant Payouts

(Cash Equivalent)

Pay your customers Instantly with complete control

Originator

Recipient

Disbursement Method

Funds are transferred directly to a recipient's account of choice.

Funds available 24/7/365
Domestic or Cross Border

Supported Networks

Payouts Network Screenshot showing how to select recipients of a digital credit and what the recipient sees when receiving a digital credit.

Example Industries & Use Cases

Service recovery

Instant loan funding

Wallet to account transfers

1099 disbursements

Compensation

Incentives and rewards

Send

Send via turn-key console or REST API

RBAC, SSO, and custom user rules

Built-in disbursement approval workflow

Real-time transaction data and reporting

Flexible programmatic controls and metadata

Receive

Branded email and SMS delivery

White-label, turn-key claim flow

OCR Card scanning and validation

Automatic deposit and payee profile

Identity verification

Solutions

Digital Credits

(Controlled Spend)

Automatically reimburse your customers when they spend at a qualifying merchant location or category

Originator

Recipient

Disbursement Method

Funds are transferred directly to a recipient's checking account via debit or reloadable prepaid card

Funds available 24/7/365
US Only

Supported Networks

A Payouts Network application setting for a digital disbursement.

Example Industries & Use Cases

Airline and hospitality vouchers

Customer or employee rewards

Insurance reimbursements

Customer incentives

Casino rewards and incentives

Send

Send via turn-key console or REST API

Define redemption locations or MCCs

RBAC, SSO, and custom user rules

Real-time transaction data and reporting

Flexible programmatic controls and metadata

Receive

Branded email and SMS delivery

White-label, turn-key claim flow

Instant redemption notifications

Flexible redemption locations

Card management

Solutions

Pay with Points

Enable your customers to redeem points for cash on everyday purchases

Originator

Qualifying Merchant

Points Bank

Recipient

Disbursement Method

Funds disbursed via statement credit to linked credit or debit card in exchange for loyalty points.

Funds available 24/7/365
US Only

Supported Networks

Coastal Bank reward showing $5 available for 1500 points with a button labeled Yes, Redeem Now!

Example Industries & Use Cases

Credit and debit cards

Payroll cards

Reloadable prepaid

Co-brand cards

Marketplaces

Send

Enroll customers via REST API

Define redemption locations or MCCs

Built-in disbursement approval workflow

Real-time transaction data & reporting

Receive

Branded email and SMS delivery

White-label, turn-key claim flow

Instant redemption notifications

Flexible redemption locations

Card Management via API