Send international B2B payouts without building your own payment stack
PayoutOS is the workflow layer for mass payouts to contractors, affiliates and vendors abroad — approvals, ledger, compliance checks and status tracking on top of licensed payment partners.
Built for teams that pay people abroad, often
If any of this is your Monday, PayoutOS is for you.
Internationally operating companies
Paying contractors, affiliates or vendors in multiple countries, onboarded through a standard KYB flow.
Recurring mass payouts
Affiliate networks, media buying teams, marketplaces and agencies running weekly or monthly payout batches.
Finance & ops teams
People who need an approval trail, exportable reports and one clear status per payment — not a spreadsheet.
What the first release actually does
A narrow, working slice — not a promise of "borderless" payments everywhere.
In scope — MVP
- ✓Company onboarding with roles: owner, accountant, approver, operator
- ✓KYB/KYC and UBO screening via an external provider
- ✓1–2 balance currencies, one funding method
- ✓One payout rail to a limited, supported country list
- ✓Single payouts + CSV batch upload with pre-send validation
- ✓Approval workflow: created → approved → sent
- ✓Audit log, CSV export, API keys, webhooks, sandbox
Deliberately out — for now
- —Own BIN program — cards will be issued via a partner bank
- —Dozens of countries, currencies and payout providers
- —Own FX dealing or liquidity
- —Consumer P2P or "no-KYC" positioning
How a payout moves through the system
Every operation is traceable end to end — no single mutable balance field.
Onboard & screen
Company KYB, UBO checks, risk screening before any money moves.
Fund & reserve
Top up your balance; the ledger reserves funds for pending payouts.
Approve & send
Operator creates a batch, approver signs off, payout partner executes.
Track & reconcile
Live status per recipient, exportable reports, full audit trail.
Virtual cards for verified platform clients
Virtual cards are offered on request to companies that have completed onboarding on the platform. They are issued through a licensed partner bank and sit in the same dashboard as your payouts, with the same roles and audit trail.
Not a public or self-serve product. Card issuing is still being set up with our partner bank; pricing, limits, countries and currencies are agreed individually with each eligible client.
Ad accounts
A separate card per ad account or campaign, so each budget is tracked and reconciled on its own.
Online services & subscriptions
SaaS, AI tools and other foreign online services paid from a dedicated card instead of a personal one.
Team cards
One card per employee, contractor or project, with spending visible to the finance team.
Business expenses
Company travel and other business purchases from foreign merchants, tied to an employee or project.
- Step 1
Become a verified client
Complete company KYB and user KYC onboarding on the platform.
- Step 2
Request cards
Tell us the use case and expected volume; each request is reviewed individually.
- Step 3
Issue
Approved cards are issued in your dashboard and assigned to a person or purpose.
- Step 4
Control
Cards draw only from your loaded balance; block cards and reconcile spend in one place.
We're validating this with the first 10 companies
Tell us your payout countries and volume — we'll tell you honestly if we're a fit yet.
Request early access