Tink Payouts is an open banking payment solution that enables businesses to send instant, secure payouts directly to customer bank accounts across Europe. Leveraging Tink’s API platform, the service bypasses traditional card networks and manual processes, allowing for real-time settlement and improved cash flow. Payouts are initiated via a single API, supporting a wide range of use cases such as refunds, insurance disbursements, gig economy payments, and more. The solution is designed for seamless integration, high reliability, and compliance with PSD2 regulations, offering strong customer authentication and minimizing fraud risk. Tink Payouts is suitable for businesses of all sizes seeking to automate and streamline their payout processes.

Key Features

Instant Account-to-Account Payouts Enables real-time transfers directly to recipient bank accounts.

• No card networks or intermediaries
• Immediate settlement and improved cash flow

Pan-European Bank Connectivity Connects to thousands of banks across Europe.

• Broad coverage for both consumers and businesses
• Supports payouts to any bank account in supported regions

API-Driven Automation Initiate and manage payouts via a single API.

• Reduces manual intervention and errors
• Scalable for high-volume operations

Strong Customer Authentication (SCA) Ensures secure transactions and regulatory compliance.

• Biometric and multi-factor authentication
• PSD2 compliance

Flexible Use Cases Supports a variety of payout scenarios.

• Refunds, insurance claims, gig economy, payroll, and more

Benefits

Faster, More Reliable Payouts Reduces settlement times and improves recipient experience.

• Instant or near-instant transfers
• No waiting for card or batch processing

Lower Costs and Fewer Errors Bypasses card networks and manual processes.

• Reduces transaction fees
• Minimizes administrative overhead

Enhanced Security and Compliance Meets regulatory requirements and reduces fraud.

• SCA on every transaction
• Transparent authorization process

Improved Customer Experience Delivers funds quickly and securely.

• Real-time notifications and tracking
• No need for card details or manual bank transfers