Payouts to 150+ countries and regions
Send money the way your recipient wants it
Local bank transfers, SWIFT wires, e-wallet payouts and digital assets — every send priced with an itemised fee breakdown and a locked exchange-rate quote before you commit.
- Locked FX quotes
- Itemised fees up front
- Screened & step-up verified
Payout rails
Five rails. One send flow.
Pick the rail that suits each recipient — the quote, fees and arrival estimate adapt automatically. All payments run through licensed banking and payment partners.
Local bank transfers
Pay out over domestic clearing rails where available, so recipients are paid like a local — typically faster and cheaper than an international wire.
SWIFT wires
International wires to bank accounts worldwide, with your choice of fee bearer — SHA, OUR or BEN — set per payment.
E-wallet payouts
Send directly to Alipay, WeChat Pay and UnionPay wallets — no bank details required from your recipient.
Digital-asset payouts
Pay out BTC, ETH, USDT and USDC to external wallets across five networks, with network fees shown before you send.
BTC
ETH
USDT
USDCPayout to cards
Push funds straight to a recipient's eligible card — a simple option when all you have is a card number.
Moving money between your own balances?
Internal transfers between your balances and sub-accounts are instant and free — always.
How it works
From quote to confirmation in four steps
Every payout follows the same predictable flow — whatever the rail, whatever the currency.
- 01
Choose the recipient
Pick a saved beneficiary or add a new one. Built-in SWIFT/BIC lookup validates bank details as you type.
- 02
Lock your quote
For cross-currency sends, the exchange rate is locked before you commit — with the estimated arrival time shown up front.
- 03
Review the full cost
An itemised breakdown — service fee, channel fee, processing fee — plus exactly what the recipient gets. No spreads hidden in the rate.
- 04
Verify and send
Confirm with step-up verification. Track the payout in real time and let the recipient receive an email receipt automatically.
Fee transparency
The rate is the rate. The fee is the fee.
Most providers bury their margin in the exchange rate. ECardPay prices every payout the other way round: a locked mid-market-referenced quote, and every fee itemised before you press send.
- Service fee, channel fee and processing fee listed line by line before every send
- Cross-currency quotes locked at confirmation — the rate you see is the rate you get
- Estimated arrival time shown before you commit, not after
- On SWIFT wires, choose who bears intermediary charges — SHA, OUR or BEN
Built for volume
Payroll-day scale, single-payment simplicity
Whether you send one wire a month or hundreds in a morning, the tools are already there.
Batch payouts by CSV
Upload a single CSV and send hundreds of payouts at once — each one validated, priced and tracked individually.
Scheduled sends
Set a future send date and let the payout execute automatically — useful for payroll, rent and supplier terms.
References & attachments
Attach invoices and add payment references so recipients — and your accountants — can reconcile without a follow-up email.
Email receipts
Recipients get an automatic email receipt when the payout is sent, with the reference and amount included.
SWIFT/BIC lookup
Search banks by name or code directly in the send flow — no more copying BICs from a recipient's PDF.
Saved recipients
Store beneficiaries once and reuse them across rails, with details validated at save time.
Controls & screening
Outgoing money moves under supervision
Payouts are the highest-risk action on any financial platform. ECardPay treats them that way.
Review-and-approval workflow
Route outgoing payouts through an approval step, so no single person can move funds unchecked. Approvers see the full quote and recipient details before releasing.
Step-up verification on every send
Every payout requires fresh verification — a passkey, authenticator or email challenge — regardless of amount or who initiated it.
Screening on outgoing payments
Outgoing payments are screened before release, in line with the compliance frameworks of our licensed banking and payment partners.
Ready to move money without borders?
Open your ECardPay account in minutes. Verify once, then issue cards, open currency accounts and send payouts worldwide.