Instant Disbursements
Push payouts to cards and accounts in seconds.
Push funds to debit cards over Visa Direct and Mastercard Move, or direct to bank accounts over RTP and FedNow, with money available the moment it lands. Apply a transfer fee and payouts become a revenue line.
- VISA DIRECT
- MASTERCARD MOVE
- RTP
- FEDNOW
- SAME DAY ACH
Money lands in seconds
Funds are available on the recipient's debit card the moment the transfer completes. No settlement windows, no waiting on a batch.
A new revenue line
Apply a fee per instant transfer. Users who want their money now opt in and pay for it, so payouts become revenue to your bottom line.
Treasury automation
Just-in-time funding means no capital sitting idle. Astra automatically settles with you daily, so there is no payout balance to manage and fill.
Compliance built in
KYC and KYB built in, or bring your own provider. AML screening and configurable velocity limits come with the platform, not as vendors you manage.
Every payout you send costs you money. It should earn you some.
Payouts have always been a cost center: you pay the fees, your users do the waiting. Offer instant and that flips. You decide whether it carries a fee and what that fee is. Users who want their money now take it, and a new line appears on the income statement. You are not adding a payout option. You are launching a product your users actively prefer.
No pre-funding required
Instant payouts usually mean parking working capital: cash sitting idle in a payout account, watched over weekends and holidays, and manually topped up by wire transfer. Just-in-time funding means no capital sitting as float. Astra pushes the payment to the card or account in real time and settles with you daily, against the funding source that matches your model.
$1,000,000
prefunded float
3%
benchmark rate
$30,000
forgone per year
Finance maintains a payout balance, monitors balances through the weekend, and keeps cash idle so a Friday night payout clears.
Astra pushes funds to the card in real time, then settles daily against your connected account. Treasury automation without staffing a desk.
Connect once, screened on every transfer.
Connect the recipient
Register the user, take authorization, and link a debit card or bank account, with eligibility for the instant rails verified up front. Use Astra’s PCI compliant card form, or bring your own and integrate API only.
- Your card form or ours, your integration either way
- Ledgering, webhooks, and reconciliation already built
Set your terms
Decide whether instant carries a fee and what it is. Configure velocity limits and risk rules for the flow via API, none of it a build.
- Card payout fees are a field in the request
- A new payout flow is a setting, not a rebuild
Astra runs the payout
Astra picks the network, pushes the payment onto the recipient’s card in real time, and reports every status change over webhooks.
- Funds available the moment they land
- Settles with you daily, no pool to keep full
The Payments Cloud
One product. The whole platform doing the work.
Instant Disbursements runs on the same four-layer platform as everything on Astra. No separate build, no separate compliance posture, and every other payment type is a setting away.
Smart Execution
Authorization, settlement, and rail connectivity. The push runs here in real time: cards over Visa Direct and Mastercard Move, accounts over RTP and FedNow.
Dynamic Controls
Your transfer fee, velocity limits, and risk rules, configured via API. KYC and KYB built in, or bring your own provider.
Intelligent Routing
Astra picks the rail, direction, and speed for every payout, with failover built in, then reports status automatically over webhooks.
Cloud Services
Treasury automation, card authorization, disputes, reconciliation, and reporting. The parts of a payout program you would otherwise staff.
Customers
Results from teams building on Astra
For developers
One call creates the payout
- Link cards through Astra's PCI compliant form, or bring your own
- One call creates the payout, Astra picks the rail and path
- Card payout fees are a field in the request, not code you build
- Every status change lands on your webhook
Three ways to move money. One integration.
Your team integrates once. Every payment type after that is a setting you turn on, not a new build.
Fund accounts the moment users sign up
Pull money in instantly so the first deposit lands now, not in three to five business days. Activate users before the wait turns them into churn.
Run faster, lower-risk ACH
Same-day clearing and built-in screening on the rail you already use. Ship faster transfers and cut return risk without rebuilding a thing.