Payouts

Payout Overview

Overview of how users can withdraw funds with Coinflow.

What is Coinflow Payouts?

Coinflow Payouts lets your platform send funds to users globally—directly to bank accounts or debit cards, often within seconds. Whether you’re running a gaming platform, marketplace, or rewards program, Coinflow handles the payment rails, identity verification, and global delivery so you don’t have to manage banking relationships in each market.

Key Benefits

Instant Payouts

Many payout methods deliver funds instantly, 24/7/365

Global Coverage

Support users across US, UK, EU, Brazil, and expanding markets

Simplified Integration

One API handles KYC, bank linking, and payout processing

No Banking Infrastructure

We handle global rails and currency conversion—you focus on your platform.

Flexible Funding

Fund payouts from your Coinflow balance, your own bank account, or let users withdraw their own balances.

Compliance Built-In

KYC/KYB verification and regulatory compliance included

How It Works

Coinflow connects to major payment networks globally—including U.S. Real-Time Payments (RTP), European SEPA, UK Faster Payments, PIX in Brazil, and push-to-card to debit cards worldwide—so funds land directly in users’ preferred destination.

Withdrawal Options

Withdrawing funds through Coinflow is straightforward and flexible. Users can be paid in their local currency, with multiple speed options:

ACH (Standard & Same Day)

US users can be paid via standard or same day ACH to US bank accounts.

  • Same Day: Funds received within 24 business hours
  • Standard: Funds received within 2-3 business days
Real-Time Payments (RTP)

Instant electronic payments operated by The Clearing House. US users receive funds instantly via RTP rails to US bank accounts.

  • Instant Payment: 24/7/365 availability
Push-to-Card

Move money in seconds. Funds transferred instantly and securely to debit cards. Global coverage including US, UK, EU, and key markets worldwide.

  • Instant Payment: 24/7/365 availability
SEPA

EU users can be paid instantly via SEPA to EU bank accounts (IBAN).

UK Faster Payments

UK users can be paid instantly via UK Faster Payments to a UK bank account.

PIX

Brazilian users can be paid instantly via PIX to a Brazilian bank account.

US Banks Eligible for Real Time Payments (RTP)

View the complete list of participating financial institutions on The Clearing House website.

Supported Countries

Direct bank withdrawals are available in select countries. View the complete list of supported countries and currencies. Coinflow is continually expanding our banking partnerships. If a country is not listed, contact the Coinflow team at sales@coinflowlabs.app to request inclusion.

Choose Your Payout Flow

The right payout flow depends on how your platform manages user balances:

Merchant Payout

You manage user balances

Funds are disbursed from a wallet you control. Best for:

  • Gaming platforms with internal credit systems
  • Marketplaces managing seller payouts
  • Rewards programs tracking user earnings

Source: Your wallet (Coinflow-managed or your own)

Direct User Withdrawal

Users control their own balances

Advanced flow for platforms where users hold their own balances and initiate their own withdrawals.

Not sure which flow fits your use case?

Most platforms use Merchant Payouts and manage user balances in their own system. The direct user withdrawal flow is available for advanced use cases where users hold their own balances. Learn more about payout flows.

Getting Started

Ready to implement payouts? Follow these steps:

1

Choose Your Implementation Method

Select the approach that works best for your team:

2

Set Up KYC Verification

All users must complete identity verification before their first payout. Choose your KYC method:

3

Configure Your Payout Source

Determine where funds will come from:

4

Test Your Integration

Use our sandbox environment to verify your implementation:

Need Help?

Contact support@coinflowlabs.app or check our common FAQs for quick answers.