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# 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

> **Info**
>
> **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)](/guides/payouts/beyond-payouts/understanding-payout-speeds)**

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

**[Push to Card](./push-to-card)**

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

**[Venmo](./venmo)**

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

**[Apple Pay Push to Card](./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](./same-day-ach)**

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

**[Standard ACH](./standard-ach)**

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

**[Wire Transfer](./wire-transfers)**

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

### European Union (EUR)

#### [SEPA Instant](./sepa)

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](./sepa)

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](./uk-faster-payment)

Instant payouts to GBP bank accounts.

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

### Brazil (BRL)

#### [PIX](/guides/payouts/payout-methods/available-countries)

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](/guides/payouts/payout-methods/supported-payout-methods/interac)

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)](./push-to-card)

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

#### Advanced: Stablecoin Deposit Payouts

Accept stablecoin deposits and automatically pay out in local currency. See [Stablecoin Deposit Payouts](/guides/payouts/source-of-funds-for-payouts/advanced/crypto-deposit-withdraw) for supported networks and tokens.

---

## Choosing the Right Payout Method

| Priority           | Recommended Methods                                             | Notes                                               |
| ------------------ | --------------------------------------------------------------- | --------------------------------------------------- |
| **Speed First**    | RTP, Push to Card, SEPA Instant, UK Faster Payments, PIX, Venmo | Instant delivery builds user trust and satisfaction |
| **Coverage First** | Same Day ACH, Standard ACH, SEPA Standard                       | Reaches 100% of bank accounts in region             |
| **Cost First**     | Standard ACH, SEPA Standard                                     | Longer settlement times typically mean lower fees   |
| **Global Users**   | Push to Card                                                    | Works across 40+ countries with eligible cards      |

> **Info**
>
> **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 Parameter | Payout 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.