NEW · Agent Identities for the A2A economy

Move money anywhere.
Even when a bot
is doing the asking.

Payouts.com is the financial OS for global business — banking, AP & AR automation, tax, compliance, and a digital employee that runs it all. Built for humans, designed for AI agents.

Start free Read the docs
$48B+Volume processed
180+Countries
40+Currencies
99.99%Uptime SLA
app.payouts.com/dashboard

Treasury overview

Available balance
$2.84M
▲ 12.4% MTD
In transit
$184k
3 pending
Today's payouts
847
▲ 8.2%
Payout volume · Last 30 days
$8.2M
YTYouTube Studios LLC $48,200.00 SETTLED
SKSakura Tanaka · 🇯🇵 ¥1,240,000 IN TRANSIT
Trusted by 12,000+ companies worldwide
⬢ Northstar ◐ Latticeplay ▣ CreatorOS ∿ PrismAds ⬡ Hexion ◈ FieldAI ≡ Stratify ◆ Meridian ⬟ Parallax ◢ Rivet ⬣ Orbital ⊞ Quanta ◉ Vanta ⟡ Helix
One platform · ten products

Everything you need to
move, manage and
automate money.

From sending a payout to a freelancer in Lagos, to filing 1099s for 30,000 vendors, to giving an AI agent its own bank account — Payouts is the single source of truth for your money.

Explore the platform
₪

Banking & Payouts

Local IBANs, ACH, RTP, SWIFT, wires and cards. Pay anyone, anywhere, in any rail.

Global Accounts Transfers + Conversions Virtual + physical cards Pending Payouts queue
⌨

AP Automation

Vendors, invoices, budgets, approvals, tax forms. Your accounts payable on autopilot.

Vendor onboarding Invoice OCR & matching Budgets & AP Wallet Factoring (24h cash)
↦

AR Automation

Clients, collections, cash application, disputes and credit risk in one workflow.

Smart collections Cash application AI Disputes & credit risk Recipient portal
◉

Digital Employee

Agents that onboard vendors, approve invoices, run payouts and chat with your team.

Agent Identities 1,255 capabilities A2A & MCP native Human-in-the-loop
$48B
Processed annually
12k+
Customers
2.4M
Vendors paid
180+
Countries served
99.99%
Uptime SLA
Banking infrastructure

Open a local account in 40 currencies. Send to 180 countries. By lunch.

Stop chasing wire confirmations and fighting FX spreads. Get a local IBAN, sort code or routing number in minutes — and pay anyone, in their currency, on their rail.

See banking View API →
Median settlement
12 sec
FX spread
0.4%
Rails supported
26
LIVE NETWORK
Routing 2,847 payouts
All rails operational
San Francisco
London
Tokyo
Lagos
São Paulo
$
USD
United States
€
EUR
Eurozone
£
GBP
United Kingdom
¥
JPY
Japan
₹
INR
India
R$
BRL
Brazil
A$
AUD
Australia
+33
more
currencies
How it works

Four steps from vendor created to money settled.

Whether triggered by a human in the dashboard or an AI agent over our API, every payout follows the same audited path.

01

Onboard

KYC/KYB, tax forms, bank verification — collected and validated in a hosted vendor portal or via API.

Onboarding · KYB
02

Approve

Configurable workflows route invoices and payouts through approvers, with AI risk scoring and policy checks.

Approval workflow
03

Pay

Smart-route across 26 rails — ACH, RTP, SEPA, wire, card, PayPal, crypto — picking the cheapest, fastest path.

Payouts · Cards
04

Reconcile

Settlement is reflected to your ledger, GL accounts, NetSuite, QuickBooks. 1099s file themselves at year-end.

Tax · Reports
The agent economy starts here

Give your
AI agents a
bank account.

1,255 capabilities. 130 product domains. All exposed as MCP tools, A2A endpoints, REST & GraphQL APIs. Build agents that onboard vendors, approve invoices, chase collections, file taxes, and yes — actually move the money.

Explore agents MCP docs
1,255
Tools available
130
Categories
A2A
Native protocol
D
Digital Employee · AP Specialist
Live
YOU
Pay all approved invoices for September. Use the cheapest rail per vendor.
D
Found 284 approved invoices totaling $1,847,212.40 across 192 vendors. Routing recommendations:
→ TOOL CALL · payouts.bulk_execute
rail.ach: 156 vendors · est fee $234 · settle T+1
rail.rtp: 22 vendors · est fee $44 · settle <30s
rail.wire: 8 vendors · est fee $216 · settle T+0
rail.global_account: 6 vendors · est fee $0 · settle <1m
D
Total fees $494 (vs $2,118 if all wire). 4 invoices flagged for human review (sanctioned-country watchlist match). Approve to send the 280?
Built developer-first

An API a senior engineer would choose to use.

Idempotent. Versioned. Fully typed SDKs in TS, Python, Go, Ruby. MCP server in one line. Webhooks, retries, observability — handled.

Read the docs Install MCP →
payout.ts
curl
python
mcp.json
 1// Send a multi-currency payout — auto-routes by cost
 2import { Payouts } from "@payouts/sdk";
 3
 4const payouts = new Payouts({ apiKey: process.env.PAYOUTS_KEY });
 5
 6const payout = await payouts.payouts.create({
 7  vendorId: "vnd_8f2a",
 8  amount: 12_400_00,        // in cents
 9  currency: "JPY",
10  routing: "cheapest",    // or "fastest"
11  memo: "INV-1248 · September retainer",
12  approval: "auto",
13});
14
15// → settles in <15s via local JPY rail · fee $0.42
16console.log(payout.status);  // "settled"
Built for every payment scenario

From enterprise AP to creator payouts to in-game economies.

One API for every kind of money movement. Pre-built workflows for the patterns we've seen 12,000 times.

Enterprise AP

Replace 6 vendors with 1.

Bill.com + Tipalti + Brex + ADP for international + a tax filer + your bank's wire desk. Now one platform with NetSuite/SAP sync built-in.

3-way matchSOX audit logMulti-entitySSO + SCIM
Creator platforms

Pay 50,000 creators on the 1st.

Recipients onboard themselves in < 90 sec. They pick: bank, card, PayPal, gift card, or instant-pay to a debit card.

Recipient choice1099 + W-8Stored balancePayout link
Gaming & game studios

Player wallets, cashouts, GameShield.

Compliant cashouts in 180 countries. Studio-owned wallets. ML-powered fraud and chargeback shield purpose-built for in-game economies.

Per-studio API keyFraud shieldTournament prizes
Ad networks

Net-30 publishers want to be paid on Net-2.

Factoring built into your AP. Vendors get cash in 24h, you keep your terms. Underwriting + risk handled by Payouts.

FactoringPublisher portalTax + W-8
Marketplaces

Stored balance, split, hold, release.

Escrow-style flows out of the box. Hold funds till delivery, split by basis points, release on a schedule, refund on dispute.

Stored balanceSplit payoutsDisputes
AI agent builders

Issue your agent an identity + a wallet.

Agent Identities give your AI a verifiable cryptographic identity, tokenized API access, spend limits, and audit trail.

A2A protocolSpend limitsMCP server
What our customers say

The team behind 10,000-vendor AP is three people now.

Before Payouts we had a five-person AP team and our CFO still didn't trust the numbers. Now I have one ops lead, an agent doing the boring stuff, and the cleanest ledger I've ever signed off on. We process $40M a month and I sleep at night.
SC
Sarah Chen
CFO · Northstar Media (NYSE: NSTR)
The MCP server is the cleanest financial tool surface I've ever wired into Claude. We shipped autonomous AP in a sprint.
DR
Daniel Reyes
Founding eng · FieldAI
We onboarded 18,000 creators in their local currency in 3 weeks. Tax forms, KYB, the lot. It would've taken us a year.
PM
Priya Mehta
VP Payments · CreatorOS
The factoring product unlocked $14M in working capital for our publishers. Game-changing for retention.
JK
Jonas Kvist
COO · PrismAds
Replaced Bill, Brex, Tipalti and our wire bank in one quarter. Our procurement and finance teams actually like a tool now.
MO
Mira Okonkwo
Controller · Hexion
Pricing

Pay-as-you-pay.
No seats. No setup fees.
No surprises.

ACH from $0.40. Wires from $4.50. Every product on the platform — banking, AP, AR, agents — included. Pay only when money moves.

See pricing Talk to sales
ACH
$0.40
per transaction
RTP
$2.00
instant settlement
Wire
$4.50
domestic / intl
Global Account
FREE
to open + receive
Live now · Agent Identities GA

Ready to give your money
(and your agents) an upgrade?

Free to start. White-glove migration off Bill, Tipalti, Brex, or any legacy AP. SOC 2, PCI L1, NMLS-licensed.

Start free Book a demo →