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Payout fees

Each payout has a fee set by your fee plan. By default the sending wallet pays it; you can pass it to the recipient instead, per rail.
Who pays feePaidBy value Source wallet is debited Recipient receives
Sender (default) source Payout amount + fee Full payout amount
Recipient destination Payout amount Payout amount - fee

Offering a no-fee standard ACH option next to faster, recipient-paid options lets recipients choose speed or cost themselves.

Set who pays the fee

On a transfer

Set feePaidBy.payout on the create transfer request. It applies to whichever payout rail the destination payment method uses. If omitted, it defaults to source.

{
  "feePaidBy": {
    "payout": "destination"
  }
}

A payout payment link lets the recipient pick a rail, so payout.feePaidBy takes one key per rail. Any key you leave out defaults to source.

{
  "payout": {
    "feePaidBy": {
      "instant-push-to-card": "destination",
      "deferred-push-to-card": "destination",
      "instant-bank-credit": "destination",
      "ach-credit-standard": "source"
    }
  }
}

Fee keys by rail

Payout rail (destination payment method) Transfer field Payment link payout.feePaidBy key
ach-credit-standard feePaidBy.payout ach-credit-standard
ach-credit-same-day feePaidBy.payout ach-credit-same-day
instant-bank-credit (RTP or FedNow) feePaidBy.payout instant-bank-credit (API v2026.01.00 and later)
rtp-credit feePaidBy.payout rtp-credit
push-to-card, instant delivery feePaidBy.payout instant-push-to-card
push-to-card, deferred delivery feePaidBy.payout deferred-push-to-card
push-to-apple-pay, instant delivery feePaidBy.payout instant-push-to-apple-pay
push-to-apple-pay, deferred delivery Payment links only deferred-push-to-apple-pay
push-to-google-pay feePaidBy.payout push-to-google-pay

Deferred delivery sends a push-to-card payout 24 to 48 hours later. Set it with destination.cardDetails.scheduledDeliveryOn on a transfer (see push to card) or with payout.pushOptions on a payment link.

Returns, reversals, and failed payouts

What happens Payout amount Payout fee
Payout fails before it completes Returned to the source wallet Reversed
Payout is canceled or reversed (ACH, instant, push to card) Full transfer amount returned to the source wallet Reversed
Completed ACH credit is returned by the bank Amount paid to the recipient returned to the source wallet Not refunded; a recipient-paid fee can't be recovered

Next steps