Non-Embedded Payouts
Non-Embedded Payouts allow platforms to deliver funds directly to financial destinations owned or controlled by recipients.
Rather than maintaining balances within a Fiserv-managed account or wallet, funds are transferred to an external destination such as a bank account, debit card, digital wallet, or other supported payout endpoint. This approach is commonly used when recipients prefer to receive funds through financial accounts they already use and manage outside the platform ecosystem.
How Non-Embedded Payouts Work
With a Non-Embedded Payout model, funds are distributed from the platform ecosystem to an external destination selected by the recipient or configured by the platform.
Recipients receive funds through familiar financial channels without maintaining balances within a Fiserv-managed account.
Typical flow:
Supported payout methods and execution options depend on the solution configuration and available payout capabilities.
For information about how payout instructions are created and processed, see Payout Instructions.
Supported Payout Destinations
Non-Embedded Payouts may be delivered to a variety of external financial destinations.
Examples include:
- Bank accounts
- Debit cards
- Digital wallets
- Cross-border payout destinations
- Other approved payout endpoints
Available destinations may vary based on geography, regulatory requirements, supported payout partners, and platform configuration.
Recipient Experience
Recipients receive funds through financial accounts or payment methods they already own and use.
Depending on the configured payout experience, recipients may be able to:
- Select their preferred payout destination
- Manage payout preferences
- Track payout status
- Receive domestic payouts
- Receive cross-border payouts
- Access funds through familiar financial accounts
Recipients typically do not need to maintain balances within the platform ecosystem before receiving funds.
Benefits of Non-Embedded Payouts
Provide Broad Recipient Reach
Recipients can receive funds through commonly used financial accounts and payout methods.
Deliver Familiar Payout Experiences
Platforms maintain visibility into balances, activity, and fund movements within platform-managed accounts.
Support Domestic and International Disbursements
Platforms can support payouts across different markets using approved payout destinations and partners.
Minimize Balance Management Requirements
Funds are delivered directly to recipients rather than remaining within platform-managed accounts.
Considerations
When evaluating a Non-Embedded Payout model, consider:
- Where recipients want to receive funds
- Which payout destinations should be supported
- Geographic and regulatory requirements
- Whether domestic, cross-border, or both payout types are required
- Recipient expectations regarding payout speed and delivery experience
Dependencies
Non-Embedded Payouts require a valid external destination that can receive funds.
Examples include:
- Bank accounts
- Debit cards
- Digital wallets
- Supported cross-border destinations
- Other approved payout endpoints
Before a payout can be completed, the recipient destination must be established, validated, and eligible to receive funds.