Instant payouts to anyone, anywhere

Dots Payouts connects to 300+ payouts rails so your recipients get paid their way - instantly or locally.

That includes ACH, RTP, wire transfers, PayPal, Venmo, UPI, PIX, SEPA Instant, mobile money, stablecoins. and more

All rails are unified through the Dots Payouts API, so your team never has to manage separate processors or integrations again.

Most payouts clear in seconds, not days.

Real-time rails (RTP, UPI, PIX, SEPA Instant) and digital wallets like PayPal and Venmo move funds instantly; ACH settles within 1-2 business days; international transfers typically arrive instantly where available, or within 24-48 hours.

Dots Payouts supports payouts to over 190 countries and 135 currencies out of the box.

We handle currency conversion, compliance checks, and local payout methods to ensure smooth international transfers.

Dots handles FX conversion, local rails, and compliance checks automatically - so payouts reach recipients in minutes, whether they're in the US, India, Brazil, Nigeria, or Canada.

See our full coverage map for our full list of supported countries and currencies.

You'll receive real-time webhooks and dashboard alerts showing the reason for payout failure and resolution status.

Most issues (like invalid IBANs or closed accounts) are caught and fixed automatically during verification.

Yes - every recipient can pick their preferred payout method (bank account, wallet, PayPal, Venmo, mobile money, etc.) through a branded Dots Payout Link.

Once they claim their first payout, their preference is saved for future payouts - giving your users flexibility and your ops team less overhead.

Dots collects and validates bank info, wallet addresses, and IDs through hosted or embedded onboarding flows.

We automatically run KYC checks, OFAC screenings, and account validation to help reduce failed or fraudulent payouts.

Every payout, refund, and fee syncs automatically to your ERP or accounting system.

Finance teams get audit-ready exports, and real-time payout status in the dashboard.

Fees depend on the payout rail and volume.

We typically charge flat fees for domestic payouts and a fixed percentage fee for international payouts. We do not charge hidden FX fees.

Large-volume platforms qualify for discounted or custom pricing - contact sales to learn more.

Dots Payouts is SOC 2 Type II compliant, uses end-to-end encryption, and maintains comprehensive audit logs for all activities.

All personally identifiable information, tax data, and payout details are encrypted with 256-bit keys both in transit and at rest.

Tokenization abstracts sensitive identifiers so they never leave our secure vault.

We also offer role-based access control so you can fine-tune your security measures to fit your business needs.

You can send your first payout within 24 hours.

Use the dashboard for one-off or batch sends, or integrate our Payouts API for full automation.

Our onboarding team helps you test and go live fast - no complex setup or hidden steps.

When paying marketplaces , you can split payments among seller earnings, platform fees, and taxes.

Built-in KYB/KYC keeps you compliant even as you onboard thousands of new sellers per week.

A payout is an outbound transfer of funds, often at volume, from a business to contractors, creators, drivers, vendors, or partners.

Unlike a customer pay-in, payouts require bulk routing, KYC checks, tax form collection, and multi-currency settlement.

Modern payout platforms like Dots automate every step so finance teams can move money to 190+ countries and 300+ rails without spreadsheets or bank portals.

Payments (a.k.a. pay-ins) bring money into your business; payouts send money out through rails like ACH, RTP, PayPal, and even crypto.

Because compliance burden, ledger sync, and tax logic are reversed, scaling companies rely on dedicated payout automation like the Dots Payout API instead of bolting outbound flows onto a pay-in stack or running payouts manually from a bank account.

Manual payouts burn hours, create spreadsheet errors, and can lead to AML fines or 1099 headaches.

Dots automates payee onboarding , sanctions screening, FX, bulk approval, and reconciliation so customers see up to 85% less manual work and fewer support tickets.

You send payouts faster, keep auditors happy, and scale without adding headcount.

Onboard payees as they add bank, wallet, or card details plus W-9/W-8 forms.

Fund your Dots wallet via bank transfer.

Our compliance engine runs KYC/AML and tax rules in real time.

Settlement and webhooks confirm delivery and automatically reconcile to your ERP—see the full flow in the Dots docs.

Speed, cost, and compliance determine cross-border success.

Dots uses local rails like SEPA, UPI, or PIX so you avoid wire fees and predatory FX spreads.

One API shields you from 190 different rulebooks while letting recipients choose their preferred method to help you scale globally.

Offer choice: let contractors pick ACH, RTP, PayPal, Venmo, UPI, or even USDC via Dots.

Dots captures W-9/W-8 during onboarding, auto-files 1099s , and syncs transactions to ERPs like QuickBooks, NetSuite, or your ledger.

Result: on-time freelancer payouts without the tax-season scramble—check out the Freelancer Payouts guide for more.

Yes. Dots aggregates PayPal, Venmo, Cash App, M-Pesa, and 300+ additional rails behind one API or dashboard so every recipient can choose their preferred payout method.

Global ACH (a.k.a. local bank transfer) lets you push funds to an overseas bank via the domestic clearing system, like SEPA in Europe, UPI in India, or PIX in Brazil.

Fees are pennies compared to $30 wires, and settlement times mirror local ACH rails or faster.