Bank Payouts

SEPA & SWIFT Payouts

SEPA & SWIFT Payouts

Send fast, compliant bank transfers across Europe and worldwide via a single API. Batch payouts, real‑time status updates, and intelligent reconciliation built for finance teams.

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SEPA SCT & SCT Inst

Standard and instant EUR payments across the SEPA zone

SWIFT Worldwide

Cross‑border payouts in major currencies to global beneficiaries

Predictable Timing

Cut‑off handling, value dates, and real‑time webhooks

Compliance Built‑In

IBAN/BIC validation, sanctions screening, AML checks

Operational Capabilities

Payout Methods

  • SEPA Credit Transfer (SCT)
  • SEPA Instant (SCT Inst) where supported
  • SWIFT international wires (e.g., MT103‑equivalent submissions)
  • Batch payouts with idempotency and reconciliation references

Reconciliation

  • Virtual IBANs and structured references for auto‑matching
  • Webhook events: queued, sent, settled, returned/repair
  • Return reason mapping and automated retry rules

Compliance & Validation

  • IBAN/BIC and beneficiary name checks
  • Sanctions screening and AML risk scoring
  • Audit logs and exportable reports for finance & compliance

Payouts API

Create SEPA/SWIFT payouts and track statuses


POST /api/v1/payouts
Content-Type: application/json

{
  "scheme": "SEPA",
  "amount": 125000,
  "currency": "EUR",
  "beneficiary": {
    "name": "ACME GmbH",
    "iban": "DE89370400440532013000",
    "bic": "COBADEFFXXX"
  },
  "reference": "INV-100045",
  "metadata": { "orderId": "100045" }
}

Webhook Example

Real‑time payout lifecycle notifications


POST /webhooks/payouts
Content-Type: application/json

{
  "event": "payout.settled",
  "payout_id": "po_123456",
  "scheme": "SEPA",
  "status": "settled",
  "settled_at": "2025-08-05T10:22:00Z",
  "amount": 125000,
  "currency": "EUR",
  "reference": "INV-100045"
}

Pricing & SLAs Overview

Transparent Fees

Per‑transfer fee plus optional FX margin

  • SEPA SCT/SCT Inst priced per transaction; SWIFT includes correspondent/landing bank fees.
  • Returns/repairs are charged at cost. Volume tiers available.

Timing Expectations

Operational windows and cut‑offs

  • SCT: typically same‑day or next business day subject to cut‑offs.
  • SCT Inst: seconds where supported. SWIFT: generally 1–3 business days depending on route.

Compliance

Built‑in controls

  • Sanctions/AML screening, IBAN/BIC validation, name checks, and audit trails are enforced.
  • Exceptions and manual review paths are supported when required.

Final pricing and SLAs are provided after KYB review and corridor assessment.

Ideal For

Marketplace Seller Payouts

Automated, scheduled payouts with detailed breakdowns

Global Contractor Payments

Cross‑border mass payouts with FX transparency

Refunds & Reimbursements

Match returns to bank details and automate reconciliation

Frequently Asked Questions

Eligibility depends on the beneficiary bank/corridor. The platform checks support at submission and falls back to standard SCT if instant isn’t available.

It depends on the charging option and route. Models like OUR/SHA/BNF are supported and disclosed up front to avoid reconciliation surprises.

IBAN/BIC and name checks, sanctions/AML screening, virtual IBANs/structured references, and webhook life‑cycle events with retry rules.

Power Your Global Payouts

Consolidate SEPA and SWIFT payouts through a single integration with full compliance and visibility.

No commitment required • Free consultation • Custom solutions available