Supported Payout Methods
Overview
Coinflow supports multiple payout methods across 40+ countries, from instant 24/7 transfers to standard next-day options. The right payout method depends on your users’ location, their preferred speed-to-cost trade-off, and what accounts they can link (bank accounts vs debit cards).
Payout Method Comparison
Instant Payouts
Available in seconds, 24/7/365
- RTP (US) - ~80% of US banks
- Push to Card (Global) - Visa/Mastercard debit
- SEPA Instant (EU) - Euro accounts
- UK Faster Payments (UK) - GBP accounts
- PIX (Brazil) - Brazilian accounts
- Venmo (US) - Venmo accounts
- Apple Pay (US) - Push to card via Apple Pay
Best for: User satisfaction, gaming withdrawals, gig economy
Same Day Payouts
Arrive within 24 business hours
- Same Day ACH (US) - 100% of US banks
- EFT Same Day (Canada) - Canadian accounts
Best for: Balance between speed and cost, mainstream users
Standard Payouts
Arrive within 2-3 business days
- Standard ACH (US) - 100% of US banks
- SEPA Standard (EU) - Euro accounts
- EFT Standard (Canada) - Canadian accounts
- Wire Transfers (US) - Large amounts
Best for: Cost-sensitive users, larger payouts, non-urgent funds
Automatic Method Selection
Coinflow automatically determines which payout methods are available based on the user’s verification country and linked payment destinations. Users see only the options they’re eligible for during the payout flow.
By Region
United States (USD)
Instant Methods
- Speed: Instant (24/7/365)
- Coverage: ~80% of US depository accounts
- Best for: Instant gratification, competitive advantage
- Speed: Instant (24/7/365)
- Coverage: Eligible Visa/Mastercard debit cards
- Best for: Users without RTP-enabled banks
- Speed: Instant (24/7/365)
- Coverage: Any Venmo account
- Best for: Millennial/Gen Z users
- Speed: Instant (24/7/365)
- Coverage: Apple Pay users with eligible cards
- Best for: iOS users, seamless mobile experience
Standard Methods
- Speed: Within 24 business hours
- Coverage: 100% of US bank accounts
- Best for: Broader bank coverage than RTP
- Speed: 2-3 business days
- Coverage: 100% of US bank accounts
- Best for: Cost-sensitive users, larger amounts
- Speed: Same day to next day
- Coverage: All US banks
- Best for: Large payouts ($10,000+)
European Union (EUR)
SEPA Instant
Instant payouts to Euro-denominated IBAN accounts across 36 European countries.
- Speed: Instant (24/7/365)
- Coverage: All SEPA Instant-enabled banks
- Best for: Competitive user experience
SEPA Standard
Standard payouts to Euro-denominated IBAN accounts.
- Speed: 1-2 business days
- Coverage: All Euro IBAN accounts
- Best for: Cost-sensitive users
United Kingdom (GBP)
UK Faster Payments
Instant payouts to GBP bank accounts.
- Speed: Instant (24/7/365)
- Coverage: All UK bank accounts
- Best for: All UK users
Brazil (BRL)
PIX
Brazil’s instant payment system for BRL transfers.
- Speed: Instant (24/7/365)
- Coverage: All Brazilian PIX accounts
- Best for: All Brazilian users
Canada (CAD)
Interac e-Transfer
Electronic funds transfer to Canadian bank accounts.
- Speed: Same day or 1-3 business days
- Coverage: All Canadian bank accounts
- Best for: All Canadian users
Global Coverage
Push to Card (Visa/Mastercard)
Instant payouts to eligible debit cards in 40+ countries.
- Speed: Instant (24/7/365)
- Coverage: Argentina, Australia, Brazil, Canada, China, France, Germany, India, Indonesia, Italy, Japan, Mexico, Saudi Arabia, South Africa, South Korea, Turkey, UK, EU, and more
- Best for: International users, markets without local instant rails
Advanced: Stablecoin Deposit Payouts
Accept stablecoin deposits and automatically pay out in local currency. See Stablecoin Deposit Payouts for supported networks and tokens.
Choosing the Right Payout Method
| Priority | Recommended Methods | Notes |
|---|---|---|
| Speed First | RTP, Push to Card, SEPA Instant, UK Faster Payments, PIX, Venmo | Instant delivery builds user trust and satisfaction |
| Coverage First | Same Day ACH, Standard ACH, SEPA Standard | Reaches 100% of bank accounts in region |
| Cost First | Standard ACH, SEPA Standard | Longer settlement times typically mean lower fees |
| Global Users | Push to Card | Works across 40+ countries with eligible cards |
Let Users Choose
Coinflow’s UI automatically presents all available methods for each user. Consider letting users choose their preferred speed-to-cost trade-off rather than forcing a single method.
Implementation
To support specific payout methods, configure the speed parameter when initiating payouts:
| Speed Parameter | Payout Method |
|---|---|
"asap" |
RTP (US), SEPA Instant (EU), UK Faster Payments (UK), PIX (Brazil) |
"card" |
Push to Card |
"same_day" |
Same Day ACH (US), EFT Same Day (Canada) |
"standard" |
Standard ACH (US), SEPA Standard (EU), EFT Standard (Canada) |
"venmo" |
Venmo (US) |
"wire" |
Wire Transfer (US) |
See individual method pages for detailed implementation requirements and eligibility.