Instant Payouts
Funds on their card in under 30 minutes.
Visa Direct push-to-card and Ozow instant EFT — wired to a single FinVeil endpoint. Use it for gaming winnings, gig worker pay, insurance claim payouts, and refunds. Sub-30-minute settlement to a Visa debit card, even on weekends and public holidays.
Pay & Notify
Recipients know the moment funds arrive.
Pair every Instant Payout with an SMS or WhatsApp confirmation in the same API call. No separate notification provider, no second integration — and a tap-through transaction proof receipt that recipients can verify themselves.
FinVeil: You received R2,500.00 from BetKing. Verify proof at finveil.io/v/rcpt_9f3a
Settled in 18 seconds via Visa Direct
- SMS — R0.30 per message
- WhatsApp — R0.50 per message
- Transaction proof link included
- Custom sender name
- Opt-in tracked, POPIA-aligned
curl -X POST https://api.finveil.io/api/disbursements \
-H "Authorization: Bearer $FINVEIL_API_KEY" \
-H "Idempotency-Key: payout-player-8421-2026-04-18" \
-H "Content-Type: application/json" \
-d '{
"rail": "VISA_DIRECT",
"amount": 2500.00,
"currency": "ZAR",
"recipient": { "panToken": "tok_visa_xyz", "name": "Player Name" },
"reference": "WD-8421",
"notify": {
"channel": "SMS",
"phoneNumber": "+27821234567",
"senderName": "BetKing"
}
}'
# => {
# "status": "SETTLED",
# "receiptId": "rcpt_dis_9f3a...",
# "notification": {
# "channel": "SMS",
# "delivered": true
# }
# }How it works
Three steps.
You authorise the payout
POST /api/disbursements with amount, recipient, and rail (VISA_DIRECT or OZOW).
Provider settles
Funds move via Visa Direct push-to-card or Ozow instant EFT — directly to the recipient.
Receipt minted
Every payout gets a SHA-256 receipt with the rail, settled amount, and timestamp.
Benefits
Why teams choose Instant Payouts.
Sub-30-minute settlement
Push-to-card moves funds in real time — even outside banking hours.
Per-rail per-transaction pricing
Pay only for what you use, never bundled or flat. Cheap EFT for bulk, fast Visa Direct on demand.
Idempotent by default
Pass an Idempotency-Key — retry safely without ever double-paying a recipient.
Funds never touch FinVeil
Money moves directly via licensed payment operators. We never custody, settle, or hold recipient funds.
Who it's for
Developer-friendly
Drop it into your stack.
REST API, typed SDKs in 9 languages, and a sandbox environment you can explore in 30 seconds. No calls with sales to get keys.
Read the docscurl -X POST https://api.finveil.money/api/disbursements \
-H "Authorization: Bearer $FINVEIL_API_KEY" \
-H "Idempotency-Key: payout-player-8421-2026-04-18" \
-H "Content-Type: application/json" \
-d '{
"rail": "VISA_DIRECT",
"amount": 5000.00,
"currency": "ZAR",
"recipient": { "panToken": "tok_visa_xyz", "name": "Player Name" },
"reference": "WD-8421"
}'
# => { "status": "SETTLED", "receiptId": "rcpt_dis_9f3a...",
# "settledAt": "2026-04-18T20:14:02Z" }