Winnings, marketplace seller balances, contractor pay, claims. Money out to someone who may never have paid you, over the same API, with the same reporting.
| Method | Goes to | Speed | Can be returned |
|---|---|---|---|
| Card payout | card | Instant | No |
| SEPA Credit Transfer | bank account | Next business day | Yes |
| SEPA Instant | bank account | Seconds | Yes |
| Faster Payments | bank account | Seconds to two hours | Yes |
A card recipient is created from a token, or from a payment they already made. There is no field for a card number, which keeps both of us out of the heavier parts of PCI DSS.
{
"recipient_id": "6d4ff39f-72fb-44c4-9e13-9c724683d40a",
"method": "card_payout",
"amount": 2500,
"currency": "EUR",
"reference": "PAYOUT-2026-0001"
}A failed payout never left. A returned one reached the recipient's bank and came back, sometimes days later, and your balance moved in between. They are separate states because they need separate handling.