Getting Started with Implementing Payouts

Choose Your Payout Flow

Before implementing, determine which flow fits your use case:

Flow Type	Source of Funds	Best For
Merchant Payout	Merchant’s balance	Platforms that manage user balances internally

Flow Type	Source of Funds	Best For
Direct User Withdrawal	User’s own balance	Platforms where users hold and withdraw their own balances

Learn more: Understand Your Flow of Funds

Once you’ve selected a withdrawal flow, follow these high-level steps:

All users must complete identity verification before their first payout. This ensures compliance and prevents fraud.

Options:

Learn more: What is KYC?

Users need to add their bank account or debit card to receive funds.

For bank payouts:

For card payouts:

Choose the right speed for your users’ needs:

Speed	Delivery Time	Supported Methods
Instant	Seconds	RTP, Push-to-Card, SEPA, UK Faster
Same Day	Within 24 business hours	Same-Day ACH
Standard	2-3 business days	Standard ACH

Learn more: Understanding Payout Speeds

Submit the payout request using your chosen implementation method:

Implementation Options:

Track payout status via webhooks or API polling. You’ll receive real-time updates when payouts complete or encounter issues.

Payout destinations are determined by the country selected during verification:

View all countries: Supported Countries & Currencies

By default, currency matches the user’s verification country:

In some scenarios, users can select alternative currencies based on their payout method.

The account providing funds for the payout:

Choose your implementation method:
- API Integration - For custom implementations
- Coinflow Withdraw Component - For pre-built UI
Set up user identification:
- Platform-managed user balances
Advanced: Direct User Withdrawal
- Direct User Withdrawal
Configure KYC verification:
- What is KYC?
Review payout scenarios:
- Payout Scenarios Overview