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PayoutsPayout MethodsSupported Payout Methods

Supported Payout Methods

Overview

Coinflow supports multiple payout methods across 40+ countries, from instant 24/7 transfers to standard next-day options. The right payout method depends on your users’ location, their preferred speed-to-cost trade-off, and what accounts they can link (bank accounts vs debit cards).

Payout Method Comparison

Instant Payouts

Available in seconds, 24/7/365

  • RTP (US) - ~80% of US banks
  • Push to Card (Global) - Visa/Mastercard debit
  • SEPA Instant (EU) - Euro accounts
  • UK Faster Payments (UK) - GBP accounts
  • PIX (Brazil) - Brazilian accounts
  • Venmo (US) - Venmo accounts
  • Apple Pay (US) - Push to card via Apple Pay

Best for: User satisfaction, gaming withdrawals, gig economy

Same Day Payouts

Arrive within 24 business hours

  • Same Day ACH (US) - 100% of US banks
  • EFT Same Day (Canada) - Canadian accounts

Best for: Balance between speed and cost, mainstream users

Standard Payouts

Arrive within 2-3 business days

  • Standard ACH (US) - 100% of US banks
  • SEPA Standard (EU) - Euro accounts
  • EFT Standard (Canada) - Canadian accounts
  • Wire Transfers (US) - Large amounts

Best for: Cost-sensitive users, larger payouts, non-urgent funds

Automatic Method Selection

Coinflow automatically determines which payout methods are available based on the user’s verification country and linked payment destinations. Users see only the options they’re eligible for during the payout flow.

By Region

United States (USD)

Instant Methods

RTP (Real-Time Payments)

  • Speed: Instant (24/7/365)
  • Coverage: ~80% of US depository accounts
  • Best for: Instant gratification, competitive advantage

Push to Card

  • Speed: Instant (24/7/365)
  • Coverage: Eligible Visa/Mastercard debit cards
  • Best for: Users without RTP-enabled banks

Venmo

  • Speed: Instant (24/7/365)
  • Coverage: Any Venmo account
  • Best for: Millennial/Gen Z users

Apple Pay Push to Card

  • Speed: Instant (24/7/365)
  • Coverage: Apple Pay users with eligible cards
  • Best for: iOS users, seamless mobile experience
Standard Methods

Same Day ACH

  • Speed: Within 24 business hours
  • Coverage: 100% of US bank accounts
  • Best for: Broader bank coverage than RTP

Standard ACH

  • Speed: 2-3 business days
  • Coverage: 100% of US bank accounts
  • Best for: Cost-sensitive users, larger amounts

Wire Transfer

  • Speed: Same day to next day
  • Coverage: All US banks
  • Best for: Large payouts ($10,000+)

European Union (EUR)

SEPA Instant

Instant payouts to Euro-denominated IBAN accounts across 36 European countries.

  • Speed: Instant (24/7/365)
  • Coverage: All SEPA Instant-enabled banks
  • Best for: Competitive user experience
SEPA Standard

Standard payouts to Euro-denominated IBAN accounts.

  • Speed: 1-2 business days
  • Coverage: All Euro IBAN accounts
  • Best for: Cost-sensitive users

United Kingdom (GBP)

UK Faster Payments

Instant payouts to GBP bank accounts.

  • Speed: Instant (24/7/365)
  • Coverage: All UK bank accounts
  • Best for: All UK users

Brazil (BRL)

PIX

Brazil’s instant payment system for BRL transfers.

  • Speed: Instant (24/7/365)
  • Coverage: All Brazilian PIX accounts
  • Best for: All Brazilian users

Canada (CAD)

Interac e-Transfer

Electronic funds transfer to Canadian bank accounts.

  • Speed: Same day or 1-3 business days
  • Coverage: All Canadian bank accounts
  • Best for: All Canadian users

Global Coverage

Push to Card (Visa/Mastercard)

Instant payouts to eligible debit cards in 40+ countries.

  • Speed: Instant (24/7/365)
  • Coverage: Argentina, Australia, Brazil, Canada, China, France, Germany, India, Indonesia, Italy, Japan, Mexico, Saudi Arabia, South Africa, South Korea, Turkey, UK, EU, and more
  • Best for: International users, markets without local instant rails

Accept stablecoin deposits and automatically pay out in local currency. See Stablecoin Deposit Payouts for supported networks and tokens.

Choosing the Right Payout Method

PriorityRecommended MethodsNotes
Speed FirstRTP, Push to Card, SEPA Instant, UK Faster Payments, PIX, VenmoInstant delivery builds user trust and satisfaction
Coverage FirstSame Day ACH, Standard ACH, SEPA StandardReaches 100% of bank accounts in region
Cost FirstStandard ACH, SEPA StandardLonger settlement times typically mean lower fees
Global UsersPush to CardWorks across 40+ countries with eligible cards

Let Users Choose

Coinflow’s UI automatically presents all available methods for each user. Consider letting users choose their preferred speed-to-cost trade-off rather than forcing a single method.

Implementation

To support specific payout methods, configure the speed parameter when initiating payouts:

Speed ParameterPayout Method
"asap"RTP (US), SEPA Instant (EU), UK Faster Payments (UK), PIX (Brazil)
"card"Push to Card
"same_day"Same Day ACH (US), EFT Same Day (Canada)
"standard"Standard ACH (US), SEPA Standard (EU), EFT Standard (Canada)
"venmo"Venmo (US)
"wire"Wire Transfer (US)

See individual method pages for detailed implementation requirements and eligibility.