Payouts
Process for recipients to withdraw funds from their internal ledger balance to external bank accounts or wallets.
Payout Process
Steps from withdrawal request to fund receipt
Recipient Requests Withdrawal
Recipient initiates payout request from available balance in internal ledger.
- Recipient selects withdrawal amount
- Amount validated against available balance
- Minimum withdrawal thresholds checked
Payout Method Selection
Recipient selects or adds destination for funds.
- Bank account, card, or wallet selected
- New payout method added if needed
- Method verification may be required
Compliance & Risk Checks
Pre-payout verification before funds are released.
- Recipient verification status confirmed
- Payout velocity and limits checked
- Sanctions/PEP screening (if applicable)
- Hold or review triggered if flagged
Payout Execution
Funds transferred to recipient's external account.
- Payout instruction sent to banking partner
- Ledger balance debited
- Transaction recorded
Recipient Receives Funds
Funds arrive in recipient's bank account or wallet.
- Settlement time depends on method and provider
- Confirmation sent to recipient
- Payout marked as completed
Pre-Payout Verification
Checks performed before payout execution
Recipient Eligibility
- Verification status: must be verified or meet minimum requirements
- Account status: not suspended or restricted
- No pending compliance cases blocking payouts
Risk & Limits
- Payout velocity checks (frequency and volume)
- Daily/weekly/monthly payout limits
- Unusual pattern detection
Failure Cases
Handling of unsuccessful payout attempts
Invalid Payout Method
Bank account details incorrect or account closed. Funds returned to internal ledger.
Compliance Hold
Payout flagged by compliance controls. Manual review required.
Provider Rejection
Banking partner rejects payout instruction.
Insufficient Balance
Available balance less than requested amount after holds.
Retry/Rollback Behavior: Specific retry logic and rollback procedures are handled by operations based on failure type and provider capabilities. Manual intervention may be required for certain failure scenarios.