Global payouts infrastructure

Delays usually come from the FX layer: multiple providers, delayed conversion, and unpredictable costs. Card payouts via OCT handle conversion in the flow. Currency conversion is instant and automated, with a real-time FX pricing breakdown, across 160+ currencies. Recipients receive funds on their card in their local currency in minutes, and every payout returns immediate transaction status, so there is no window where money sits in conversion limbo.

Compliance starts with who holds the licences. Remitiva is a trading name of M Finance Ltd, a payment institution authorised by the FCA as an acquirer, Principal Members of Visa, Mastercard and UnionPay. So no aggregator sits between you and the card schemes. We carry the core of the compliance work: transaction monitoring, sanctions screening, and fraud monitoring, with a clear split agreed where responsibility is shared. For platforms that need to handle global mass payouts safely under local regulations, we also help pick the licensing PayFac status that opens the markets you want, and client funds are held in safeguarded accounts with credit institutions, separate from our own operating funds.

From first contact to launch, typically under three weeks: your enquiry is reviewed within 2 to 3 working hours, followed by a 30 to 60 minute discovery call, commercial setup in 1 to 3 days, and onboarding and launch in 7 to 14 days. For teams working out how to integrate a global mass payout platform via API, the technical side runs through one REST API with sandbox, documentation and SDKs included, covering the whole flow: create recipients, send funds, track every transaction. If you need to move sooner, the no-code Payout Portal lets you send payouts and upload batches with no engineering time at all.

Remitiva is dedicated card payout infrastructure, and it is designed to work alongside your other methods rather than replace them. If you already pay out through bank transfers, local rails or wallets, our card rails are added to your existing stack through one API, so you route each payout to the method that fits it best. Card payouts work best for frequent, low to medium value payments to recipients distributed across countries, where speed and zero recipient onboarding matter most, while your existing bank rails keep handling the flows they already serve well.

The most direct way to reduce transaction fees for international mass payments is to shorten the chain the money travels through. Card payouts cost around 70% less than sending through a bank, because funds push directly to the recipient's card instead of routing through intermediaries. Pricing is clear, with full cost visibility before sending and no unexpected deductions.

The infrastructure is built to scale to millions of payouts. You can send batches, schedule recurring disbursements, and trigger payments automatically through event-driven or rule-based rules, so volume grows without adding manual steps. Practical parameters such as transaction and velocity limits are not fixed by a standard contract: they are defined with you during commercial setup, based on your volumes and risk profile, so the automated mass payouts API for high-volume payments is configured around your actual throughput rather than a generic cap.

This is one of the strongest operational differences of the card rail. A card payout needs one number, validated on the spot: a wrong card number fails instantly, with nothing sent, nothing to recall and nothing to investigate. Compare that with bank transfers, where a wrong IBAN sends money to the wrong account and triggers returns and manual investigations. Every payout returns immediate transaction status and real-time decline reasons through webhooks, API and the dashboard, so your team sees exactly what failed and why, the moment it happens.