High Wire Payout
Products / Payout
High Wire PayoutBalances, rails, and cards, on your schedule rather than the processor's
Money that has settled should not sit still while it waits for a batch window. Hold balances, pay out on the rail that fits each case, split across sellers, and issue cards against the balance, all from the same record the ledger reconciles.
Pick the rail per payout, not per platform.
Most providers give you one payout schedule and one rail. Each payout here chooses its own, so a weekly settlement to a merchant and an instant payout to a seller who just delivered are the same product with different terms.
Every movement lands in the ledger as it happens, which is why a payout can be traced back to the transactions that funded it.
| Rail | Speed | When it fits |
|---|---|---|
| ACH | 1–2 days | Standard scheduled settlement, lowest cost per payout |
| Same-day ACH | Same business day | Cutoff-driven runs where next-day is too slowPer-transaction limits apply |
| Instant | Seconds | Sellers, drivers, and contractors paid on completionRTP and FedNow where the receiving bank supports it |
| Wire | Same day | Large single payouts and cross-border settlement |
| Multi-currency | Varies by corridor | Holding and paying in the currency collected, with FX at the point of conversion |
| Card | Immediate | Spending against the balance directly instead of paying out first |
What changes when you hold the balance.
Settled funds sit in a balance you control, so you can pay out, split, spend, or hold rather than taking whatever schedule a processor assigns.
One payment funds several parties. The split is recorded at capture, so each seller's share is known before the money moves.
Amount held, reason, and release date are shown to the merchant and the agent from day one, which removes most of the support tickets about missing money.
Virtual and physical cards with spend limits and category controls, funded by the balance rather than by a separate transfer and a separate account.
Balances held between settlement and payout can earn rather than sitting flat, with the terms stated up front.
Every payout carries its rail, bank reference, and arrival date into the ledger, so a deposit can be matched to the transactions that produced it.
Move money on your schedule.
Tell us how often money needs to move and to whom, and we will show you which rails fit.