Global Payout API
Send funds to 170+ countries through local bank transfers, mobile money networks, and card payouts — selected per-recipient by the corridor and rail that lands money fastest at the best FX rate.
Inyo's global payout network reaches 170+ countries through a combination of proprietary local-rail partnerships, Visa Direct, Mastercard Send, and mobile money operators. The right rail is chosen per-payout based on recipient details, corridor performance, FX rate, and delivery time — not a single hard-coded path.
The same API funds payouts via AFT collection (card pull) and disburses via OCT (card push), bank transfer, or mobile wallet on the other end. For money transfer operators, gig platforms, insurers, and lenders, this means one integration covers the entire pay-in → FX → pay-out chain.
Money In
Cash or stablecoin enters the system
Payment Orchestrator
InyoX intelligent routing engine
Compliance
Multi-layer security checks
Payout Network
Proprietary global network
Money Out
Delivered to destination
170+ country reach across multiple rails
Local bank rails for high-volume corridors, push-to-card via Visa Direct and Mastercard Send where recipients hold debit/prepaid cards, and mobile money networks where they're dominant (M-Pesa, MTN, Orange Money, and others). Coverage is curated — rails are added only when reliability and pricing meet a measurable bar. See the push-to-card guide for the card-rail mechanics.
Real-time payout status
Every payout fires status webhooks at each stage: submitted, in flight, delivered, failed. For card rails, Visa Direct Fast Funds delivers in under 30 minutes on supporting issuers. Local bank rail delivery times vary by corridor and are surfaced as concrete ETAs in the API response.
Multi-currency and competitive FX
Hold balances in multiple currencies, or pay in source currency and convert at the time of payout. FX rates are quoted upfront with full transparency — the spread is disclosed, not buried in the rate. For cross-border remittance flows, this directly impacts unit economics.
Compliance built into the rail
Sanctions screening, KYC/AML on recipients where required, and corridor-specific compliance handling are part of the API, not an afterthought. See how Visa Direct works for the deeper view of cross-border card payouts.
Frequently Asked Questions
How many countries does Inyo support for payouts?
Inyo supports payouts to 170+ countries through local bank transfers, mobile money rails, and card networks (Visa Direct and Mastercard Send).
How does Inyo choose between local bank, card, and mobile money rails?
The right rail is selected per-payout based on recipient details, corridor performance, FX rate, and delivery time. You can also pin specific routing rules — for example, always route to mobile money in a given corridor.
How fast are payouts delivered?
Card payouts via Visa Direct Fast Funds reach the recipient in under 30 minutes on supporting issuers. Local bank and mobile money rails vary by corridor and are surfaced as concrete ETAs in the API response.
Is FX rate locked at the time of the payout?
Yes. FX is quoted upfront with the spread fully disclosed, so the rate the recipient receives matches what was shown when the payout was created.
Can I combine card pay-ins with global payouts in one flow?
Yes. Inyo's API funds payouts via AFT collection on the pay-in side and disburses via OCT, bank, or wallet on the pay-out side — one integration covers the entire chain.
One API. 170+ countries. Many rails.
Talk to the Inyo team about your payout corridors and recipient mix.
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