Payouts

Payouts.com is a financial operations platform built for businesses that need to send money at scale — to vendors, affiliates, creators, contractors, and marketplace sellers — through whatever payment method the recipient prefers. The platform combines global payout automation, accounts payable and receivable management, card issuance, treasury controls, tax compliance, and reconciliation in a single system, replacing the patchwork of point solutions many finance teams manage separately.

Founding and Background

The company was founded in 2022 in Herzliya, Israel by CEO Leor Ceder and co-founder Barak Hirchson, who serves as Chief Strategy Officer. The team initially built the platform under the name Mrkter before rebranding to Payouts.com. In Q4 2023, the company raised a $4 million seed round. In 2024, NFX led an $8 million extension with participation from Eddie Shalev of Genesis Ventures, Boaz Weinstein of Saba Capital Management, and iAngels, bringing total funding to $12.1 million. The company employs approximately 30 people as of mid-2026.

The Financial OS Model

Payouts.com describes itself as a "Financial OS" — a unified layer that manages the full money cycle for a business rather than solving a single payment problem. The platform handles both sides of the ledger: outbound payouts through smart-routed rails, and inbound invoice and accounts payable processing.

On the outbound side, the platform routes payments across 40+ payment rails to 190+ countries in 135+ currencies, selecting the fastest and most cost-effective path automatically. The median settlement time on instant rails is 11 seconds. Supported domestic and regional rails include ACH (United States), SEPA (eurozone), Faster Payments and CHAPS (United Kingdom), PIX (Brazil), IMPS and NEFT (India), EFT and Interac (Canada), and NPP/BSB (Australia). Where no faster path is available, it falls back to SWIFT international wire.

For recipients without bank accounts or who prefer non-bank options, the platform delivers via PayPal, Venmo, Payoneer, Skrill, push-to-card, prepaid card, or a catalog of more than 1,000 global gift card brands. Cryptocurrency disbursements in BTC, ETH, USDC, and USDT are available alongside these options.

Payout Automation

The payout automation engine supports individual transfers, batch uploads, split payments, and recipient-choice redemption links. Businesses can schedule recurring payouts, define rules for routing and approval, and let the system run without manual oversight — the platform claims 99% of runs complete hands-free.

Smart routing selects from among live rails and currencies based on the recipient's country and bank details, with automatic fallback and retry if a rail fails. Multi-step approval workflows, role-based access controls, SSO, and complete audit trails are built into the execution layer. Duplicate detection and re-ingestion safeguards prevent accidental double payments.

Accounts Payable Automation

Beyond raw payment execution, Payouts.com provides a structured accounts payable workflow. Invoices forwarded to the platform are processed by OCR, which extracts vendor name, amount, tax identification number, payment terms, and line-item detail from any format. The system then runs three-way matching — comparing the invoice against the corresponding purchase order and goods receipt — flagging variances before routing for approval.

Approval workflows are configurable by amount threshold, vendor, GL account, department, or custom rule, with support for parallel workflows, mobile approvals, and delegation. Payment destinations are resolved through an ordered rule set: inline invoice details take priority, then vendor default, then vendor split configuration.

Vendor Management

The platform includes vendor onboarding tooling that handles KYC and KYB identity verification, bank account validation, and tax form collection (W-9 and W-8 for US tax purposes). Vendors interact through a self-service portal, reducing the back-and-forth typically required to collect payment details and compliance documents before a first payment can be made.

AI and Agentic Capabilities

A notable product layer is Payouts.com's "Digital Employees" — AI automation agents that handle the follow-up tasks finance teams spend the most manual time on: vendor onboarding, invoice chasing, collections outreach, and blocked payout resolution. Each Digital Employee operates within a defined scope, maintains a complete audit log, and includes human-in-the-loop controls on consequential actions. The system contacts vendors via email, WhatsApp, or voice with configurable quiet hours and anti-spam guards.

The platform is also positioning itself for AI-to-AI commerce. It supports the AP2, x402, and A2A agentic payment protocols through an MCP-native architecture, enabling autonomous software agents to hold their own identities, maintain balances, and execute payments within defined spend limits. This makes the platform applicable as infrastructure for workflows where software agents — rather than human operators — initiate and receive payments.

Crypto and Stablecoin Rails

Among its payment rail options, Payouts.com supports cryptocurrency disbursements in BTC, ETH, USDC, and USDT, as well as crypto pay-in for businesses accepting digital assets from customers. USDC, a dollar-backed stablecoin widely circulated on Solana, is available as a live outbound payout method, extending the platform's reach into on-chain settlement. The platform does not restrict USDC delivery to a specific network, positioning it within the broader stablecoin payment landscape that has grown substantially on Solana.

Compliance and Security

Payouts.com holds SOC 2 Type II and SOC 1 Type II certifications. The platform uses PCI-compliant tokenization for card data, enforces multi-tenant data isolation, and requires OTP or two-factor authentication on all money-movement actions. Vendor onboarding includes sanctions screening and AML fraud defense. All API and webhook surfaces are HMAC-verified, and the system maintains durable audit logs. The company targets 99.99% uptime.

Tax compliance tooling covers W-9 and W-8 collection and US 1099-NEC, 1099-MISC, and W-2G filing, reducing the administrative burden for businesses making large numbers of payments to US persons.

Integrations and Target Markets

The platform integrates with NetSuite for two-way ERP sync and connects to Airwallex, Stripe, and Plaid on the banking and payment infrastructure side, with Gmail and Outlook for invoice ingestion. Prebuilt connectors cover major affiliate and performance marketing networks including CJ Affiliate, Awin, and Rakuten. A full REST API and webhook system support custom integrations.

Primary use cases include ad networks and digital media companies paying publisher partners, affiliate marketing programs distributing performance commissions, creator platforms disbursing earnings, marketplace operators paying sellers, gaming companies disbursing winnings, and enterprise finance teams managing high-volume vendor payments. The platform supports both one-off transfers and batch runs covering tens of thousands of recipients in a single operation.

Pricing is not published publicly; prospective customers are directed to schedule a product demonstration through payouts.com.