How Payouts Work

Available via: Dashboard, or the Payout API for programmatic withdrawals (including Connect marketplaces acting on behalf of sub-merchants).

Overview

When your customers pay you through Inflow, funds settle in USDC or EURC on your custodial wallet (no automatic EUR↔USD conversion). Use GET /api/balance → custodialBalances as the source of truth. You can then withdraw to:

• Bank accounts — EUR, USD, and other supported currencies (see Global Payout Coverage)
• Crypto wallets — USDC or EURC on Polygon, Ethereum, Base, Starknet, Solana, and other supported networks

How to Request a Payout

1. Click Balances in the sidebar of your Inflow Dashboard.
2. Click Withdraw on the USD or EUR card.
3. Enter the Amount, or click Use max, and choose the Destination: one of your bank accounts or wallets. For a wallet, also choose the Network.
4. If the bank account requires it, add a supporting document for the withdrawal.
5. Check the fees and the destination. For a bank account, you can add a Payment reference.
6. Confirm the withdrawal. If you've turned on two-factor authentication, enter the 6-digit code from your authenticator app.

If you've turned on Payout Approvals, the withdrawal waits for approvals before it's sent. Follow your payouts in Transactions → Payouts, or click See full list under the recent payouts on Balances. See Withdraw and Payouts.

Payout Destinations

Bank Accounts

• SWIFT — USD, to a bank in any country except restricted countries, in 1–4 business days. This includes the 88 countries listed for local rails. See Global Payout Coverage & Networks.
• Local bank — real-time to 1 business day, where a local rail is live (52 of those 88 countries). Same page.

Crypto Wallets

• Paid in USDC on your chosen network (Ethereum, Polygon, Base, Solana, Starknet, Arbitrum, Optimism, Avalanche — see Global Payout Coverage & Networks)
• Typically instant once submitted

3rd Party Payouts

Inflow supports paying out to third-party recipients — such as vendors, contractors, or service providers.

How to Set Up

1. Go to Settings → Payout accounts in your Dashboard.
2. Click Add above Bank accounts or Wallets.
3. Add the third party's bank account or crypto wallet details.
4. For a wallet, give it a clear Label (e.g., "Vendor - Acme Corp").

See Payout Accounts.

How to Pay a Third Party

1. Go to Balances and click Withdraw on the USD or EUR card.
2. Select the third-party account as the Destination.
3. Enter the amount and confirm.

The payout is processed the same way as payouts to your own accounts — same timing, same fees.

Use Cases

Payout Quotes

Before confirming a withdrawal, you see a payout quote that includes:

• The amount being withdrawn from your Inflow balance
• The converted amount in the destination currency (or USDC if paying out to a wallet)
• Any applicable fees
• Estimated delivery time

Important Notes

• Dashboard: withdraw manually from Balances → Withdraw as described above.
• API: use POST /api/payout after registering a payout destination — see End-to-End API Flow for the full sequence (bank-form → register destination → payout).
• Your available balance must cover the payout amount.
• Payout fees and exchange rates vary by destination.
• Network fees for crypto payouts are handled by Inflow.