SaaS
Stop losing deals to slow payouts.
Small businesses run on cash flow, and a platform that pays merchants in two business days loses to one that pays in seconds. Astra pushes merchant sales, earned wages, and working capital to a debit card instantly, and to a bank account on the same integration, with an optional fee that becomes a revenue line.
What instant payouts change for a software platform
Stop losing deals to speed
"We lost a big deal because we pay our merchants in two business days." We hear it from software founders constantly. Instant payout is the fix.
Turn payouts into revenue
Apply an optional fee to instant transfers. Merchants who want their money now pay for it, and a new line appears on your P&L. If they already pay for payouts, they will pay more for instant.
One integration, every payout flow
Merchant settlements, earned wages, working capital advances. One integration, one compliance review, one set of controls. Adding the next flow is a configuration change, not a project.
Keep the stack you have
Astra sits alongside your acceptance processor, your bank, and your ledger. You add the instant payout layer. You rebuild nothing.
Merchant settlements
Settle merchant sales the moment they happen
Push a merchant’s sales to their debit card in seconds, or to their bank account over RTP or FedNow, on nights, weekends, and holidays. Offer instant next to your standard settlement and more than half of end users prefer instant when offered. Add an optional fee and the settlement becomes a revenue line.
Earned Wage Access
Let your customers' workers get paid the day they work
If your platform runs scheduling or payroll for small businesses, earned wage access gives those businesses an edge in hiring hourly workers. A worker links a debit card, requests the wages they have earned, and has them in seconds. Apply an optional fee for instant access. Your customers’ standard payroll keeps running as it does today.
0
Weekends or bank holidays that delay a payout
1.5%
Typical instant transfer fee
Working capital
Deliver working capital the moment it is approved
If you offer financing to the businesses on your platform, push the advance to their debit card in seconds over Visa Direct or Mastercard Move, and pull repayments on rules you set through Accelerated Bank Transfers. Astra pushes each advance the moment it is due and debits an account of your choosing the next business day, so you fund advances on demand without pre-positioning capital.
