What Payouts.com does

Payouts.com is a multi-tenant financial operations platform headquartered in Herzliya, Israel, founded in 2022 and operating as a private company with 51-100 employees. It positions itself as a "Financial OS" combining global payouts, AP/AR automation, treasury management, tax and compliance, and AI-driven agentic workflows on a single ledger-based platform, serving finance teams across ad networks, creator platforms, gaming, marketplaces, agencies, and enterprises that need to move money across 190+ countries in 135+ currencies. The platform wires 40+ payment rails (ACH, RTP, SEPA, SWIFT, cards, PayPal, Venmo, Payoneer, push-to-card, crypto, stablecoins) and exposes this infrastructure via a REST API, webhooks, and MCP-native protocols (AP2, x402, A2A) for AI agent integration.

The underlying architecture is an append-only, ledger-backed platform supporting multi-currency accounts, virtual/prepaid/gift card issuing, two-way NetSuite sync, and a proprietary FX engine with published spreads starting at 0.40%. AI capability is positioned as a core layer rather than an add-on: "AI Digital Employees" autonomously run vendor onboarding, KYC/KYB (via Persona), invoice OCR, invoice chasing across email, WhatsApp, and voice, reconciliation, and smart routing, with anti-spam guards, quiet hours, and human-in-the-loop controls. AgentWallet, in early access, extends this with identity-bearing, ledger-backed wallets for AI agents featuring scoped keys, spend limits, and audit logs. The platform reports 11-second median settlement on instant rails, 99.99% uptime target, and 12,480 daily automated tasks, and holds SOC 2 Type II, SOC 1 Type II, and PCI-DSS Level 1 certifications.

Payouts.com monetizes through transaction fees on global payouts, subscription or usage-based fees for AP/AR automation and AI Digital Employees, card issuing fees, working capital (factoring/advances), and tax and compliance services. Pricing is quote-based and not publicly disclosed, with an enterprise sales motion ("Talk to sales," "Book a demo") supplemented by a self-serve signup, an API-first developer ecosystem, and channel partnerships such as the Shortical creator wallet deal announced in May 2026. To date the company has raised approximately $12.1 million across two disclosed rounds (a $4.1 million round in October 2023 and an $8 million Series A in September 2024 led by NFX with iAngels). Named customers include AdSkeeper, MGID, Rapid Skins, Tango, AppGreat, Huadachang, PrisifyApps, and Sunshine Group.

Name

Payouts.com

Legal name

Payouts.com

Website

https://payouts.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

51–100 employees

Short description

Payouts.com is a financial operations platform offering global payouts across 190+ countries in 135+ currencies, AP/AR automation, treasury management, and AI Digital Employees for enterprise finance teams, ad networks, creator platforms, and marketplaces, with MCP-native agent commerce support.

Ownership category

akta.pro rank

Product category

Global Payouts and Financial Operations Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

akta.pro secondary industries

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), B2B Crypto Payouts, Mass Payments & Treasury Disbursements (FSADAIAF)

Keywords

• Global payouts platform
• Accounts payable automation
• Accounts receivable automation
• Cross-border payments
• AI finance operations

Headquarters

HQ city

Herzliya

HQ country

Israel

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. Global Payouts: Transaction fees on global payouts across various payment rails including ACH, SEPA, wire, card, PayPal, crypto. Smart routing picks best available path for each payout.
2. AP/AR Automation: Subscription or usage-based fees for accounts payable and receivable automation including invoice OCR, approval routing, reconciliation, and ERP sync.
3. Card Issuing: Fees from virtual, prepaid, reloadable, and gift cards including Visa and Mastercard programs.
4. AI Agent Services: Fees for AI Digital Employees that automate finance ops including vendor onboarding, KYC/KYB, invoice chasing, and payout scheduling.
5. Working Capital: Factoring and advances for businesses needing working capital against receivables.
6. Tax & Compliance: W-9/W-8 collection, 1099 filing, TIN checks, and withholding calculation services.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels5 records

Core offering

Payouts.com provides a unified financial operations platform that enables businesses to send money to 190+ countries in 135+ currencies across 40+ payment rails (ACH, SEPA, SWIFT, cards, PayPal, crypto, gift cards), automate accounts payable and receivable end-to-end with AI-powered invoice OCR and reconciliation, manage multi-currency treasury, and deploy AI Digital Employees that autonomously handle vendor onboarding, KYC/KYB, invoice chasing, and payout scheduling. The platform also offers card issuing (prepaid, reloadable, gift cards), tax form collection and 1099 filing, and an AgentWallet sub-brand providing wallets for AI agents with identities, scoped keys, spend limits, and audit logs.

Product overview

Payouts.com is a financial operations platform positioned as a Financial OS for global payouts and AP/AR. It operates as a platform-plus-modules architecture encompassing global payouts (40+ payment rails including ACH, SEPA, SWIFT, crypto), AP automation (invoice OCR, PO matching, approvals, GL sync), AR automation (invoicing, dunning, cash application), treasury & wallets (ledger wallets, liquidity, multi-currency in 135+ currencies), tax & compliance (W-9/W-8, 1099, TIN checks, AML), reconciliation (AI matching, ERP sync), and AI agents (Digital Employees, MCP-native protocols, agent wallets). The platform serves 190+ countries with 40 payment rails, supports 135+ currencies, and achieves 99.99% uptime. Core differentiator is combining traditional fintech infrastructure with AI-native agent commerce capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• AgentWallet: Early access wallets built for AI agents, providing AI agents with their own identities, ledger-backed wallets, scoped keys, spend limits, and audit logs.

Products and services

• Global Payouts Platform (Payouts Automation) Core platform that lets businesses pay anyone, on any rail, in any country via smart routing across 40+ payment rails; targets enterprise finance teams, ad networks, agencies, marketplaces, and creator platforms.
• AP Automation Accounts payable automation using AI invoice OCR, PO matching, approval routing, duplicate detection, and two-way ERP sync; targets enterprise finance teams needing end-to-end bill-to-pay workflows.
• AR Automation Accounts receivable automation that issues and tracks invoices, automates dunning, applies cash, and resolves disputes; targets enterprise finance teams and platforms needing faster collections.
• AI Digital Employees Autonomous AI agents that onboard vendors, run KYC/KYB, chase invoices, schedule payouts, and communicate over email, WhatsApp, and voice; targets finance teams and platforms replacing manual finance operations.
• Cards & Issuing Card issuing for virtual, prepaid, reloadable, gift, credit, and debit cards (Visa/Mastercard programs); targets platforms and enterprises needing branded payout and spend cards.
• Banking, Wallets & Treasury Ledger wallets and multi-currency treasury management with local IBANs in 40+ currencies, live balances, payout volume trends, and instant reconciliation; targets enterprises and platforms managing global cash.
• Tax & Compliance Tax form collection (W-9/W-8), 1099 and W-2G filing, TIN checks, withholding calculation, KYC/KYB verification, sanctions screening, and AML; targets US-based enterprises paying global contractors and vendors.
• AgentWallet Early-access wallets designed for AI agents with their own identities, ledger-backed balances, scoped keys, spend limits, and audit logs; targets AI agent developers and platforms.
• AI Agents & Protocols Platform layer for agent commerce and open standards, exposing MCP, AP2, x402, and A2A protocols so developers can build AI agents that move money programmatically; targets AI/developer teams.
• Creator Wallets Creator wallets with personal IBANs offering real-time earnings visibility, automated invoicing, and flexible payout options including ACH, SEPA, stablecoin, and branded debit cards; targets creator platforms and micro-drama operators such as Shortical.
• Crypto Payouts and Pay-In Capability to pay out local fiat from crypto holdings and accept crypto payments settled into fiat, supporting BTC, ETH, USDC, USDT; targets platforms and enterprises with crypto-funded payouts.
• Developer Platform (REST API and Webhooks) Full REST API and webhooks for programmatic access to money movement and financial operations, plus MCP-native support for AI agent integrations; targets developers and platform engineering teams.

Quantifiable outcome

• 11 seconds median settlement on instant rails
• +3 more outcomes

Named customers8 records

Segments9 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration21 records

AI capability9 records

Feature7 records

Partnerships

One partnership is on record.

• ShorticalcoreStrategic or Co-development Partner · 1 May 2026Strategic partnership to launch Creator Wallets with personal IBANs for creators on Shortical's micro-drama platform. Solution provides real-time earnings visibility, automated invoicing, and flexible payout options including ACH, SEPA, stablecoin, and branded debit cards. Full KYC, AML, and OFAC compliance included.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Adyen: Global payments platform serving enterprises with unified acquiring, payouts, and treasury across multiple rails and currencies. Operates at much larger scale with direct scheme licenses.
• Wise Business: Multi-currency accounts and low-cost international payouts for businesses. Operates at much larger scale with direct local-rail integrations across 70+ countries, overlapping with Payouts.com's cross-border payout value proposition.
• Stripe Connect: Marketplace and platform payouts infrastructure with global reach and developer-first APIs. Both serve platforms paying out to large networks of recipients; Stripe has massive scale, deep engineering, and is itself moving into agentic commerce.
• Ripple: Enterprise-grade cross-border payments using blockchain and stablecoin rails. Overlaps with Payouts.com's crypto payouts and agent-payment protocol direction, with substantially larger institutional footprint.
• PayPal Hyperwallet: Mass-payouts and global disbursement infrastructure for platforms, marketplaces, and gig economy platforms. Overlaps on global payout orchestration at high volume with PayPal/Venmo rails.

Direct peers

• Tipalti: Global payables automation platform covering vendor onboarding, AP automation, tax compliance, and cross-border payouts. Closest direct competitor — both target enterprise finance teams with a full financial operations stack and global payout rails.
• Airwallex: Global accounts, multi-currency treasury, and cross-border payouts platform. Both companies offer local IBANs, smart routing across payment rails, and FX; Airwallex has deeper scale and direct banking licenses.
• Modern Treasury: Payments operations platform for moving money at scale with reconciliation and multi-bank connectivity. Overlaps with Payouts.com's treasury, reconciliation, and ERP-sync capabilities for enterprise finance teams.
• Mangopay: Marketplace payouts and seller management infrastructure, particularly strong in Europe. Both target marketplace seller payouts with KYC/KYB, multi-currency, and local-rail optimization.
• Payoneer: Global payouts and receivables for marketplaces, creators, and freelancers. Directly comparable on cross-border payouts, multi-currency receiving accounts, and creator/freelancer payment flows.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/payoutsdotcom
• Facebookfacebook.com/payoutsdotcom
• LinkedInlinkedin.com/company/payouts-com

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Payouts.com