Pay thousands, in any country, from one integration
For marketplaces and platforms paying sellers and partners across many countries. One batch request fans out across rails and currencies — screened, reconciled, and tracked to the last payout.
A 240-recipient run, end to end. Click through it.
- 01UploadOne batch file — 240 sellers, 14 currencies. Recipients were onboarded and vetted once; the batch just references them.
- 02ScreenEvery recipient screens before anything moves. Flags resolve inline instead of bouncing back days later.
- 03Fan outOne click. Infinite picks the rail per corridor — local rails and stablecoin legs, no per-country providers.
- 04ReconcileThe run closes itself: paid, reconciled, one report. No spreadsheet.
Mass payouts break at scale because every country adds a provider, a currency, and a compliance queue — and every run ends in reconciliation across mismatched formats. Infinite (infinite.net) runs the whole payout from one integration: recipients are screened once on the compliance network, one batch instruction fans out across stablecoin, local rails, and FX, and the run closes with one report.
Where it breaks down
The standard playbook is a payout provider per region. It works until the run gets big enough to matter.
A provider per country.
Each market means another PSP contract, another API, another set of cutoffs and failure formats. Adding a corridor is a procurement project, not a config change.
Recipients you can’t verify fast enough.
Every seller and partner needs onboarding and screening before they can be paid. Manual review queues become the cap on how fast your marketplace can grow — and sellers wait weeks for their first payout.
Failures surface days later.
Rejects trickle back after the run, each in its provider’s own format. Ops re-keys them by hand, and reconciliation means stitching together a dozen CSV exports.
How the network fixes it
One batch instruction in, thousands of settled payouts out — with compliance handled before the run starts. Paying a handful of large suppliers instead? See Crossborder Payments.
One integration, every corridor.
Transfer Routes picks the rail per destination — stablecoins on the long leg, local rails for the last mile, FX in flight. New country, same API call.
Recipients screened before the run.
Hosted Flows onboards sellers under your brand, and a recipient vetted once is vetted for the whole network. The compliance queue stops being your growth ceiling.
An account for every recipient.
Managed Accounts give each seller a real DDA with its own routing number, held at FDIC-insured partner banks — payouts on your schedule, reconciliation handled by Infinite.
One report per run.
Per-recipient status, retries, and settlement confirmations in a single ledger. Failures are flagged in-flight with reasons, not discovered at month-end.
What it looks like in practice
What a payout run looks like on Infinite, end to end.
Onboard recipients once.
Sellers complete a Hosted Flow in your brand. Infinite assembles and screens each case; cleared recipients are payable from then on — here and across the network.
Submit one batch.
Post the run — recipients, amounts, currencies — as a single instruction via API. Funding comes from one USD balance.
Infinite fans it out.
Each payout takes the best route for its corridor, converting currency in flight where needed. No cutoff juggling, no per-country logic in your code.
Reconcile once.
Watch settlement per recipient in real time, retry the exceptions, and close the run with one audit-ready report.
Answers before you ask
How do we pay thousands of sellers in different countries at once?
With one batch instruction: post the run — recipients, amounts, currencies — via API, funded from a single USD balance. Each payout takes the best rail for its corridor, with FX converted in flight where needed. The full pattern is covered in the guide to stablecoin payments for marketplaces and platforms.
What is the best way to send mass payouts to sellers in other countries?
Judge platforms on four capabilities: recipient verification at scale, an account per recipient, corridor-by-corridor routing with currency conversion in flight, and exception handling that doesn’t stall the run. Infinite runs all four on one network — one batch instruction, funded from a single USD balance, reconciled once, with every recipient screened before funds move.
What do mass payout platforms charge?
Most charge per payout, a platform fee, or both — but on cross-border runs the real cost driver is the corridor: FX spread plus the lifting fees correspondent banks deduct in flight. Stablecoin rails remove that intermediary leg — transfer cost doesn’t scale with the amount sent — leaving in-flight FX as the main corridor cost. The guide on stablecoins vs SWIFT maps the full cost anatomy.
How are payout recipients verified before a run?
Sellers complete onboarding through Hosted Flows — KYB, KYC, and sanctions screening under your brand — before the first payout. A recipient vetted once is vetted for the whole network, so the review never repeats, and the compliance queue stops capping how fast your marketplace grows.
Can each recipient have their own account?
Yes. Managed Accounts give each seller a real demand deposit account with its own routing number, held at chartered, FDIC-insured partner banks and sub-ledgered to your structure. You pay out on your schedule; Infinite handles the reconciliation for every recipient across the run.
What happens when a payout fails mid-run?
Failures are flagged in flight with reasons, not discovered at month-end: you watch settlement per recipient in real time, retry the exceptions, and close the run with one audit-ready report. Because Transfer Routes picks the rail per corridor, a failed leg can be re-routed rather than re-keyed by hand.
Does paying our sellers make us a money transmitter?
That depends on your flow of funds — who holds the money, in whose name, and under whose control — and it’s a question for counsel. Infinite’s third-party funds flow gives every seller an account of their own; see the money transmitter glossary entry for how the question is framed.
Make the next run boring.
Talk to an engineer — bring a real payout file and we’ll walk the exact flow, corridor by corridor.