Instant Payouts for SaaS Platforms and MarketPlace Providers 1-What are Instant Payouts 2-Different types of instant Payouts 3-SaaS platforms and MarketPlace use case 4-SaaS platforms and MarketPlace monetization and customer attraction benefits 5-Instant Payout Risk Mitigation 6-Next Steps 1-What are Instant Payouts? Instant payouts are a way to pay an employee, contractor, gig worker or marketplace vendor as soon as the job is completed. Instead of having to go through the often laborious and time-consuming accounts payable process (and make the payee wait for their payment), you can make immediate, hassle-free disbursements using recipients preferred payment methods, including bank transfers, push-to-debit-card, virtual credit card and remote printing of a paper check. For SaaS platforms and MarketPlace providers looking to embed an Instant Payout solution as part of their product offering it is important to understand the various payout options, how “instant” they are and very importantly how Instant payouts can bne used to both attract new platform clients and generate a new payments driven recurring revenue stream. If your business is currently using Managed Payment Facilitation your PayFac partner should already have or be working on Intant Payouts. It can be difficult to bolt-on Instant Payouts solution to an existing PayFac as a Service solution due to money transmission compliance. Essentially your platform can’t take possession of $ that are due your marketplace participants. In a business climate where workers, sellers and contracts aren’t always local, getting to grips with the best way to make payouts isn’t easy. For businesses working in the gig economy and marketplaces, understanding and offering instant payouts is critical for success if you’re looking to build loyalty with contractors and gig workers. That’s especially true for those competing for talent in new and existing markets. The ability to offer instant payouts can be the make-or-break factor in your success. 2-Types of Instant Payouts a-Push to debit card b-Real-time Payments (RTP) c-Same-day ACH d-Virtual Credit Cards e-Remote check printing a-Push to debit card Both MasterCard and Visa offer push to card payments. For all of our payout examples we will use the example of a home service platform that connects independent contractors with homewoenrs. The platform sources the customer and takes payment for the completed job. The platform could say to their independent contractor “You can be paid in 2-4 days, or we can move money now to your debit card”. There is a cost to the platform to do this. As an example we will use $1.00. The platform could say “you can receive your $ within 15 minutes for an added fee”. That fee could be $2 or like QuickBooks, 1%. On a $1000 job the platform could see $9 in revenue.

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AgilePayments.com
Instant payouts are a way to pay an employee,
contractor, gig worker or marketplace vendor as
soon as the job is completed.
Business Deck
June 2022

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There are 5 methods that platforms and
marketplace providers can leverage:
Instant
Payouts
Push to debit card
Real-time Payments (RTP)
Same-day ACH Virtual Credit Cards
Remote check printing

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Push to debit cards
allows near instant
funding of a MasterCard
or Visa debit card
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Instant Payouts
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Real-time Payments
Real-time payments are a new payment
rail that allows for irrevocable instant
funding of a bank account

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Same-day ACH
Same-day ACH allows for funding a
bank account. This can take up to 4
hours

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Virtual
Credit Card:
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Instant Payouts
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A 16 digit credit card #, expiration
date and cvv code are provided. The
payee can use as a credit card

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Remote check printing
Remote check printing allows the
payee to print out and then deposit a
check

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Marketplace providers and SaaS platforms can offer
instant payouts to participants and generate a recurring
revenue stream.
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