Licensed infrastructure for instant card payouts

Instant card payouts work through an Original Credit Transaction (OCT), which pushes money directly onto a recipient's card rather than pulling it through bank wires. To send instant payouts to cards globally with Remitiva, you submit the recipient's card number, name and address, along with the amount — no IBANs, SWIFT codes, or local bank details. Remitiva uses Visa Direct and Mastercard Send to credit the card, usually within minutes, across 140 countries and 160 currencies. For a business, this removes the admin of gathering and validating bank details across different countries.

Card payouts with Remitiva are near real-time, usually arriving in under 30 minutes. The fastest way to pay international contractors is to send money straight to their card instead of arranging a cross-border bank transfer: you pay using only a Visa, Mastercard or UnionPay card number, and the funds arrive the same day they earn: minutes, not the 1-3+ working days of traditional wires. This removes the slow steps of collecting IBAN/SWIFT details, dealing with intermediary banks, and waiting on multi-day clearing.

To pay gig workers and contractors instantly to their cards, you send the payout directly to the card using just the card number, with no bank account setup required. Remitiva enables businesses to pay freelancers, artists and remote team members the same day they earn, using only their Visa or Mastercard number. Same-day payouts of this kind help keep a distributed workforce motivated and loyal, while cutting the admin of chasing bank details.

No. Recipients only need an eligible Visa, Mastercard or UnionPay card. There is no IBAN or bank account details to share and no new digital wallet to open. Funds are pushed straight to the card the recipient already has, which removes the two main sources of payout friction: collecting bank details and waiting for clearing. Whether a card can receive payouts depends on the bank that issued it, as some issuers restrict incoming transfers, so each card is checked for eligibility before a payout is sent.

The best instant payout solution for gig platforms is one that pays workers the same day they earn using only a card number, which is what Remitiva is built for. The same card-based model powers gig economy payouts, marketplace payouts, and creator payouts: gig platforms pay workers same-day, marketplaces get real-time seller settlement, and creator platforms pay talent the moment earnings are ready, without wallets, IBANs, or manual bank forms. Fast, dependable payouts build trust and keep recipients loyal to the platform.

Yes, Remitiva is an instant payout provider for fintechs that need to settle funds with a distributed base of sellers, workers, or users. As a payout solution for platforms, it delivers instant payouts for fintechs and real-time card disbursements across 140 countries, so a platform can offer instant disbursements without building its own cross-border rails or collecting bank details from every recipient.

Remitiva is a trading name of FM FINANCE LTD, a registered payment services provider regulated by the UK Financial Conduct Authority (FCA), authorised payment institution reference number 815137. Card payouts are operated under FCA authorisation in the UK, while recipients can be paid globally through the Visa, Mastercard and UnionPay networks.