Instant Payouts, instantly loyal customers

Instant Payouts give your customers exactly what they want when they want it. Whether it's refunds, winnings, withdrawals or earnings—we send it in seconds.

Payouts made simple

Welcome back, Julie

Your wallet balance

£350.00

Withdraw

Top up

Your transactions

See all

Starbucks

9 Jan 2025

-£9.40

Car wash

8 Jan 2025

-£15.00

Fruit shop

7 Jan 2025

-£5.60

Furniture

6 Jan 2025

-£180.00

Energy bill

5 Jan 2025

-£50.20

Energy bill

4 Jan 2025

-£50.20

Withdraw

£150.00

Instant bank payment

Change

It’s safe, secure and fast.

HSBC account **** 5678

1

2

3

4

5

6

7

8

9

.

0

<

Check your account for your new balance

Done

Talk to us

Withdrawal initiated

Amount selected

Instant success

Withdrawal complete

Payout instantly

Payout successful

Money sent

Loyal customers keep your business growing

Illustrative UI showing a successful digital deposit

Instant Payouts boost growth and shrink operational costs

Boost sales

51% of customers say they would switch platforms for Instant Payouts. Nobody likes waiting up to 5 days for cards to issue payouts. Our Instant Payouts take just seconds—they're the fastest way to get funds to customers.

Lowers cost

Payouts are famously labour intensive. Our clever automated processes reduce manual data inputs as well as lowering fraud risk. This means your operational costs shrink, and your bottom line receives a healthy boost.

Scales across Europe

Trading across the UK and Europe is complex. So, we've wrangled all the nuances of different banking systems into one beautifully simple, single API. So, you can get up and running in 21 European markets in days not months.

Brand visibility

Our Instant Payouts are the only fully white label product on the market. Your brand gets maximum visibility throughout our seamless experience and customers' bank statements. This helps grow your brand reputation and recognition.

“

Why do 51% of customers want to switch to Instant Payouts?

A woman smiling at her phone while using her laptop with illustrative UI elements float around

Because Instant Payouts create customer trust and loyalty

All customers

Everybody trusts brands who give them easy, fast and secure access to funds. Instant Payouts settle in customers' bank accounts in seconds, available to use right away. The experience is beautifully simple—nothing to remember or manually input, just a hassle free and pleasing process.

Gamers

8 out of 10 iGamers say fast payouts are top of their priority list when choosing a gambling or betting provider. Instant Payouts make winnings available immediately, so play can continue. 1 out of 3 gamers say they’d deposit more with businesses who offer them.

Shoppers

Instant Payouts give your brand a competitive advantage. When quick, easy refunds are on offer customers can purchase again immediately. 67% of shoppers say easy returns and fast refunds influence their choice of brand. 87% say they’ll shop again with those offering them.

Investors

Many investment platforms have slow withdrawal thanks to cards and BACS taking up to 10 days. This is a source of frustration for savvy investors who want freedom to move their money. 46% of investors say speed of fund withdrawal influences their choice of platform.

10 million primed customers

Once your customer chooses Instant Payouts they become part of our Pay by Bank payments network. That's 10 million primed customers ready and waiting.

Pay by Bank is a hugely popular easy, fast and secure payment experience—we’re seeing up to 90% conversion rates for returning customers.

Many Instant Payouts’ customers find Pay by Bank a great option for pay-ins too. Pay by Bank cut costs associated with high card fees and helps grow customer loyalty.

We’re facilitating billions of transactions for some of Europe's biggest and most successful businesses, and seeing a new user joining us every 3 seconds.

Could Pay by Bank transform your business?

Every 6 secs a new Pay by Bank customer joins our user network

Learn how

Clever features that save you time and money

Smart automation

A shocking 44% of refunds fail, mostly due to planned and unplanned bank downtime. We knew we could improve on this. So, we engineered a game-changing single API. Instant Payouts automates retries, queuing and re-rerouting, taking the success rate up to 99.1%. This means you and your funds are free to focus on growing your business.

Instant payout settlement

We get funds to your customers in seconds, with no effort needed from you. We cover 21 European markets, ensuring smooth and effortless payouts wherever your customers are. We cut out cards and create easy, fast and secure bank-to-bank payouts. In Europe we use SEPA Instant, and in the UK Faster Payments.

Real-time dashboard

Instant Payouts means you get clear visibility of refunds and their status via our intelligently designed console dashboard. It provides instant notifications with clear error reasons whenever a payout fails. You get real-time payout statuses and real-time flags for errors that have historically succeeded. This makes your cashflow far easier to manage.

Stay ahead of the game with our powerful add-on

Turbocharge your business operations with our verification API, it helps you know your customer and drastically reduce fraud and the associated costs.

Verification

Fraud damages business. We help you minimise the risk by giving you the tools to know your customer in seconds rather than days. You can instantly verify legitimate users unobtrusively through their bank’s biometric security checks.

Before a payout leaves, we can verify that the person you’re paying out-to matches the name on the account you’ve received funds from. Or, if you need to verify the bank account used for deposit and withdrawal matches, we can do this too. This saves you all the hassle and expense of dealing with fraud.

Learn more

Illustrative UI of linked bank accounts and their balances

Effortless integration for payouts and payments

We’ve made integration with Instant Payouts as simple as it can be. Our powerful single API can be installed in minutes and you can be up and running in no time with fully automated, real-time payouts.

Illustration of successful face ID on a mobile device in front of purple cgi particles

Ready-made UIs for apps

We’ve designed and tested beautifully optimised Pay by Bank user experiences for mobile. Customers love our easy, friction free mobile payment experiences. Find SDKs for iOS, Android and React Native.

Illustration of merchant connecting to bank in front of purple cgi particles

Ready-made UIs for browser

If your customers arrive through a browser, we’ve got highly optimised Pay by Bank user experiences for either embedded or hosted payment pages too.

Illustration of ecommerce checkout in front of purple cgi particles

Easy plugins & libraries

Pay by Bank is optimised for WooCommerce, Shopify and Magento. Our library helps you speed up and simplify integration with our tried and tested shortcuts in Java, PHP, C# and Javascript/Node.

Illustration of our console product in front of purple cgi particles

A powerhouse console

Console helps you kickstart product integration in easy steps. It arrives with your merchant account set up for you, so you can move at pace and start taking payments immediately.

Console puts you in the driving seat

Console helps you kickstart product integration in easy steps. It arrives with your merchant account set up for you, so you can move at pace and start taking payments or making payouts immediately.

It's brilliantly organised with all the tools and you need to accelerate your business. Breeze through billing, reconciliation breakdowns and download reports from an intuitively designed dashboard. Provide customers with refund updates and payment statuses, all from the one ultra-efficient hub.

TrueLayer Console screenshot on a Lavender background

Start building

“

Our team helps keep your business flowing

Whatever technical support you need, our friendly team is here to help. As a venture backed business we’re hyper-focused on your success and can work at speed to help you meet your goals.

We have dedicated integration sales managers who are experts in your industry. They lock on to your business needs and proactively scope the best products and features and run tests to ensure you hit the ground running. They rally to meet your targets and troubleshoot any issues along the way.