Product
Payouts
Disburse salaries, refunds, and supplier payments accurately and at scale, with built-in account verification to ensure every cent reaches the right account.
Payouts is RealPay's high-volume disbursements platform, designed for businesses that need to move money outward, efficiently, accurately, and at scale. Whether you are paying staff salaries, processing insurance claims, settling supplier invoices, or issuing customer refunds, Payouts provides a single, centralised infrastructure for managing all outgoing credit transfers.
The product operates primarily within the Payouts payment flow, and is built to handle large volumes of beneficiary payments in a single batch submission, consolidating what would otherwise be hundreds or thousands of manual transfers into one controlled, audited process. This not only reduces operational overhead but typically lowers per-transaction banking costs compared to individual transfers.
Payouts integrates natively with AVS-R, allowing businesses to pre-verify beneficiary bank accounts before releasing funds. This pre-payment verification step eliminates the most common and costly disbursement errors: misdirected payments to closed accounts, incorrect account numbers, or identity mismatches.
What's included
High-Volume Batch Disbursements
Process large volumes of outgoing credit payments in a single submission, payroll runs, bulk refunds, insurance settlements, and supplier payments all managed through one platform.
Accurate Fund Allocation
Each payment is routed to a verified account with a unique reference, ensuring funds reach the correct beneficiary and are matched accurately during reconciliation.
Pre-Payment Account Verification
Native integration with AVS-R allows businesses to verify every beneficiary account before releasing funds, preventing misdirected payments and fraud before they occur.
Scheduled Disbursement Dates
Control exactly when funds are released. Payouts supports scheduled payment dates, allowing treasury teams to manage liquidity accurately and align disbursements with cash flow cycles.
Reduced Processing Costs
Consolidating multiple payments into a single batch submission reduces per-transaction banking fees compared to processing payments individually, a meaningful saving at scale.
Who it’s for
Payouts is suited for any business that makes large volumes of outgoing payments on a regular basis:
- Payroll departments processing staff salaries across large workforces
- Insurance companies disbursing claims to policyholders
- Lenders processing loan drawdowns or settlements
- Accounts payable teams managing regular supplier and vendor payment runs
- Businesses processing high-volume customer refunds or loyalty disbursements
- For anyone who needs secure payment solutions
Frequently asked questions
What types of payments can Payouts process?
Payouts is designed for any outgoing credit transfer, staff salaries, supplier payments, customer refunds, insurance claim settlements, agent commissions, and loan drawdowns.
How does Payouts prevent misdirected payments?
By integrating with AVS-R, businesses can verify each beneficiary's account number, status, and identity before submitting the payment batch. This eliminates the most common causes of failed or misdirected disbursements.
How quickly do Payouts payments settle?
Payouts payments are processed as credit transfers and typically settle within the standard banking cycle, often same-day, depending on submission time and the receiving bank.
Can Payouts handle both South African and Namibian payouts?
Yes. RealPay supports Payouts disbursements across South Africa and Namibia through the respective local payment infrastructure.
How does using Payouts reduce banking fees?
Consolidating multiple outgoing payments into a single batch submission reduces per-transaction costs. Processing 1 000 payments in one batch is significantly cheaper than initiating 1 000 individual bank transfers.
Available in
Suited for
Payment flow
Integration
Included features
Optional add-ons