63 countries
Europe, the Americas and the Caribbean, Asia-Pacific, Africa and the Middle East, on one integration.
Payouts
Pay out in 63 countries from the balance you hold.
Pay suppliers, contractors and merchants on local rails, in the currency they are paid in. Hold that currency and there is nothing to convert. One reference from request to paid.
- Partner-licensedRegulated partners hold funds
- Approval thresholdsAbove a limit, someone signs off
- SandboxTest before you are contracted
New payoutSample data
- 1Beneficiary
- 2Amount
- 3Rail
- 4Pay from
- 5Confirm
63payout countries
36currencies you can pay from
630direct pairs if you need to convert
24/7cross-border settlement
Payouts without a bank per market.
One integration covers the 63 countries. No local entity, no pre-funded account per market, no dollar in the middle when you pay from another currency.
Pay from what you hold
Hold the payee's currency and the payout goes straight from that balance. No conversion on the way out.
One conversion if you need it
Paying TRY from EUR is one direct conversion with one quoted spread, not two through USD.
Approval thresholds
Set who can create a payout and who approves above a limit, on the API and in the dashboard.
One reference
The reference you set at request follows the payout to paid, so reconciliation is a lookup.
Coverage
Where can you pay out?
Pick a region or type a country. If yours is not on the list, tell us the corridor and we will tell you what is possible.
Type a country to check payout availability.
Pay a whole run at once.
Submit a batch with one reference. Payouts above your threshold wait for approval; the rest go out.
Batch · ref run-1107Sample data
PayeeCountryAmountStatus
Supplier · IstanbulTurkeyTRY 412,000.00Ready
Contractor · NairobiKenyaKES 640,000.00Ready
Merchant · DubaiUnited Arab EmiratesAED 90,000.00Ready
Freight agent · RotterdamNetherlandsEUR 250,000.00Ready
Studio · WarsawPolandPLN 38,500.00Ready
Threshold: approval above 200,000 in any currency (sample setting).
Hold, convert and pay out on one record.
Payouts draw on the same balances you fund and convert. One integration, one reference.
Explore global accounts →Create, approve and track over the API.
Payouts, approvals and webhooks over REST. Finance teams get the same primitives in the dashboard.
Developer overviewRESTDashboardWebhooksSandboxIllustrative request shape. Reference docs on request.
Built for teams that pay out every week.
Marketplaces & platforms
Pay sellers and creators in their currency from one set of balances.
Learn more → Freight & logisticsPay carriers and agents across corridors under one reference per shipment.
Learn more → Import & exportPay suppliers abroad in their currency, without a dollar leg in the middle.
Learn more →Frequently asked questions.
Bring your payee list to a call and we will walk through the countries, rails and approvals for it.
Get a quoteWhich countries can I pay out to?
63 countries across Europe, the Americas and the Caribbean, Asia-Pacific, Africa and the Middle East. The full list is on the coverage page.
Do I need to convert before I pay out?
Not if you hold the payee's currency: the payout goes straight from that balance. If you pay from another currency, it is one conversion on a direct pair, quoted before you commit, with no dollar leg in the middle.
Which rails do payouts use?
Local rails in the payee's country, or SWIFT where the payee needs a wire. The cross-border leg before the payout settles 24/7.
Can I pay many payees at once?
Yes. Submit a batch with one reference. Payouts above your approval threshold wait for sign-off; the rest go out.
Who can create and approve payouts?
You set roles and approval thresholds: who can create a payout, who can only view, and who approves above a limit. They apply on the API and in the dashboard.
How do I track a payout?
The reference you set at request follows the payout to paid. You see each status in the dashboard and receive webhooks on the API.
How do I integrate?
Through a REST API for quotes, conversions, payouts and webhooks, or through the dashboard with the same primitives. Roles and approval thresholds work on both, and you can test in a sandbox before you are contracted.
Is Modality a bank? Where does the money sit?
Modality is a technology services provider, not a bank and not a licensed money transmitter. Licensed partners hold client funds and run payment, custody and exchange under their own licences and authorisations. Coverage is subject to onboarding, eligibility and regulatory review.
Get a quote · Payouts
Tell us your flow. We'll show the route.
A call on your pairs, your volumes and your flow. You see the route and how a quote works for your corridor.
- A person reads it.Your answers go to the people who will run the call, so it starts on your corridor, not on a sales script.
- Two slots or an honest no.We reply with two 15-minute slots, or an honest no with the reason.
- Sandbox before contract.Test the flow with test balances before you are contracted.
In a hurry? Write to open@inmodality.com