Use Cases
Make Global Payouts
Send structured payouts to recipients across any market, currency, or payment method, via local fiat rails or stablecoin. One integration replaces the patchwork of banking portals, FX providers, and manual payment runs.
Marketplace sellers, vendors, and affiliate partners each expect funds in different currencies through different payment methods. Merge handles all of it through a single API.
Merge eliminates that patchwork with a single API layer for payment, compliance, and reporting.
Support multi-currency payouts, on-chain stablecoins, and configurable recipient preferences.
Send payouts across currencies, markets, and recipient types through a single infrastructure layer.
Avoid the complexity of building and maintaining your own banking infrastructure.
Reconcile incoming payments via API, orcreate a webhook subscription to receive event callbacks to your server when payments are received. Eliminate reconciliation hassles by issuing an IBAN to every customer in each currency, with no limit to the number you can create. Generate detailed reports for insights and to audit payments
Merge's payout solutions are built for platforms, marketplaces, payroll providers, and global businesses that need to send recurring outbound payments to a distributed recipient base reliably and at scale. Instead of dealing with separate bank integrations and foreign exchange brokers, you integrate once with Merge and gain access to local fiat rails, stablecoin settlement, and multi‑currency corridors.
This infrastructure approach lets you focus on your core business while Merge handles the complexity of cross‑border payout operations.
Recipients shouldn’t be forced into a single payout method. Merge supports three payout options that can be configured at the individual recipient level:
Send funds via local bank transfers in supported corridors. Recipients receive money in their local currency, such as GBP, INR, or NGN.
Transfer stablecoins like USDC or USDT to a recipient's digital wallet. These regulated fiat‑backed tokens settle on the chain in seconds and avoid correspondent banking delays.
Pay recipients in USD or EUR, even when they operate in different jurisdictions. This option is useful for vendors and contractors who invoice in hard currency.
With Merge, payments move through the fastest available path, local rails for major markets and stablecoin settlement where needed, so payouts move at the speed of your business, not the correspondent banking system.
Finance teams need full visibility and control over every payment. Merge provides lifecycle tracking from initiation to delivery, with real-time webhooks, API endpoints, and dashboard reporting.
Structured data reduces manual reconciliation, replacing multiple banking portals with a unified stream of updates. Teams can track payments, manage exceptions, and maintain audit trails from send to settlement.
Merge's payout solutions streamline your operations so you can focus on serving your customers rather than navigating complex banking systems.
| Process | Manual operations | With Merge |
|---|---|---|
| Access & setup | Log in to multiple bank portals |
Single API covers all corridors, currencies, payout types
|
| Data handling | Copy data into spreadsheets |
Structured data outputs for clean reconciliation
|
| FX management | Perform manual FX conversions |
Automated within payout flows
|
| Tracking & updates | Manual tracking across systems |
Webhook-based status updates
|
| Reconciliation | Error-prone, fragmented processes |
Streamlined, consistent reconciliation
|
Minimize the number of internal resources you need to maintain by having compliance and regulation requirements managed by us. From user onboarding, to KYC, KYB, regulatory reporting, fraud protection and risk management our platform does the heavy lifting for you
Send payments across currencies and recipient types with one system. Use API-driven flows, flexible payout options, and clear visibility from initiation to settlement.
Payout solutions are payment infrastructure tools that help businesses send money to recipients such as sellers, contractors, freelancers, vendors, affiliates, partners, and creators. Merge supports global payout flows through local fiat rails, stablecoin wallets, configurable recipient‑level payout options, API‑driven initiation, and lifecycle visibility from send to settlement.
Global payouts are recurring outbound payments sent to many recipients across different markets, currencies, or payment methods. For platforms, this can include marketplace seller payouts, contractor payments, affiliate disbursements, vendor payments, and partner payments. Merge supports these flows through programmable payout infrastructure rather than fragmented bank‑by‑bank operations.
International payouts usually require standard banking identifiers for fiat payments, such as an account number, IBAN, routing number, or local bank details, depending on the jurisdiction. Stablecoin payouts require a compatible wallet address. Recipient verification requirements apply in line with Merge’s KYC/KYB policies and relevant local regulatory requirements.
Businesses automate global payout workflows by connecting payment initiation to product events, finance rules, balance thresholds, order completion, payout events, or scheduled intervals. Merge supports API‑driven initiation and programmable automation, helping teams replace fragmented payment operations with infrastructure that fits into existing business software and operational workflows.
Best practices for automating global payouts include verifying recipient details before payment, configuring payout methods by recipient and market, using webhook status updates, keeping structured records for reconciliation, and monitoring exceptions through API and dashboard views. Merge supports these practices by giving teams visibility, data, and control across payout workflows.
