> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.coinflow.cash/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.coinflow.cash/_mcp/server. # Payout Overview ## 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. > **Info** > > **US Banks Eligible for Real Time Payments (RTP)** > > View the complete list of participating financial institutions on [The Clearing House website](https://www.theclearinghouse.org/payment-system/guides/payouts/beyond-payouts/understanding-payout-speeds/RTP-Participating-Financial-Institutions). --- ## Supported Countries Direct bank withdrawals are available in select countries. View the complete list of [supported countries and currencies](/guides/payouts/payout-methods/available-countries). Coinflow is continually expanding our banking partnerships. If a country is not listed, contact the Coinflow team at [sales@coinflowlabs.app](mailto:sales@coinflowlabs.app) to request inclusion. --- ## Choose Your Payout Flow The right payout flow depends on how your platform manages user balances: #### [Merchant Payout](/guides/payouts/understand-your-flow-of-funds/merchant-payout/overview) **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](./understand-your-flow-of-funds/user-payout/delegated-payout-from-user-self-custodial-wallet) **Users control their own balances** Advanced flow for platforms where users hold their own balances and initiate their own withdrawals. > **Info** > > **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](/guides/payouts/payout-scenarios/overview). --- ## Getting Started Ready to implement payouts? Follow these steps: ### Choose Your Implementation Method Select the approach that works best for your team: * **[Coinflow Withdraw Component](/guides/payouts/implementation-methods/coinflow-withdraw-component)** - Drop-in UI component (fastest) * **[Bank Authentication UI](/guides/payouts/implementation-methods/bank-authentication-ui)** - Prebuilt bank linking flow * **[API Integration](/guides/payouts/implementation-methods/getting-started)** - Full control for custom experiences ### Set Up KYC Verification All users must complete identity verification before their first payout. Choose your KYC method: * **[Coinflow Prebuilt KYC](/guides/payouts/kyc-verification/what-is-kyc)** - Fastest integration (recommended) * **[KYC Attestation](/api-reference/api-reference/withdraw/create-kyc-attested)** - Use your existing KYC provider * **[KYC Share Token](/api-reference/api-reference/withdraw/create-kyc-share-token)** - Share KYC data with Coinflow if you already use a supported KYC provider ### Configure Your Payout Source Determine where funds will come from: * **[Coinflow Merchant Wallet](/guides/payouts/understand-your-flow-of-funds/user-payout/delegated-payout-from-merchant-wallet)** - Easiest setup, no wallet management * **[Your Own Wallet](/guides/payouts/understand-your-flow-of-funds/merchant-payout/overview)** - Full control over funds * **Advanced: [User-Held Balances](/guides/payouts/understand-your-flow-of-funds/user-payout/delegated-payout-from-user-self-custodial-wallet)** - Users withdraw from balances they hold themselves ### Test Your Integration Use our sandbox environment to verify your implementation: * **[Testing Guide](/guides/payouts/testing-sandbox/testing-withdraws)** - Test cards, bank accounts, and verification flows * **[Common Errors](/guides/payouts/beyond-payouts/common-payout-errors)** - Troubleshoot issues before going live > **Info** > > **Need Help?** > > Contact [support@coinflowlabs.app](mailto:support@coinflowlabs.app) or check our [common FAQs](/guides/payouts/what-is-a-payout) for quick answers.