Payouts on Card
Send funds to cards worldwide in seconds - not days.
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What is Payouts on Card by Fenige?
Payouts on card is Fenige’s card-based disbursement solution.
It allows you to:
Send money directly
Send money from your business account/platform directly to customer or partner cards (debit or credit);
Make real-time payouts
Make real-time payouts without initiating traditional bank transfers or using SWIFT;
Operate in 150+ currencies
Operate in 150+ currencies, across European and international markets.
Under the hood, payouts are processed via Fenige’s own PCI DSS-certified platform as a member of VISA and Mastercard and EEA-licensed Polish Payment Institution supervised by KNF.
Where Payouts on card fits in your stack
Use Payouts on card when you need to move funds out of your platform quickly and predictably, for example
Gig & Freelance Payouts
Daily or on-demand earnings to worker cards
Marketplaces & platforms
Seller settlements, cashback, partner commissions
Loyalty & rewards
Instant bonuses or incentives to customer cards instead of vouchers
Insurance & financial services
Claim payouts and refunds delivered directly to card, instead of waiting for bank transfers.
Payouts on card can be used as a stand-alone payouts product or combined with other Fenige services like Card to Card transfers and Payouts on Account to cover more use cases.
Key benefits
Near-instant payouts instead of slow bank transfers
Traditional cross-border transfers can take hours or days and often involve SWIFT fees. Payouts on card typically delivers funds to the recipient card within about 30 seconds, using card-network rails instead of SWIFT.
Global reach with 150+ currencies
Fenige supports payouts in around 150 major currencies, so you can send funds to cards issued in different countries without building separate banking connections.
One API for all card-based payouts
Developer documentation exposes dedicated “Payouts to Card” endpoints, including methods to calculate commission, determine card currency, initiate 3D Secure, originate transaction, and check status. That means your team integrates once and controls the full payout lifecycle via API.
Strong security & regulatory compliance
Payouts on card runs on Fenige’s own processing platform, which is:
- a VISA / Mastercard member,
- a KNF-licensed Polish Payment Institution operating all over the EEA,
- PCI DSS-certified with 3-D Secure-based security for relevant card flows.
This shifts a large part of the compliance and scheme-integration burden from your team to Fenige.
How Payouts on card works
Your system creates a payout request
Via API, you send a send money / payouts to card request with sender details (your platform or merchant), receiver card details or token, payout amount, currency and purpose.
Fenige validates and routes the transaction
Fenige checks limits, compliance rules and card parameters, then routes the payout through VISA or Mastercard as an original credit transaction (or equivalent scheme flow).
Funds are delivered to the recipient’s card
The recipient’s card issuer posts the funds to the card account, usually within seconds, depending on issuer behavior and corridor.
You track status and costs via API
You can query payout status, get detailed responses and use the “calculate commission payout” method to know exact fees and net amounts before sending.
