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More ways to fund
Accept wallet funding by card, ACH, or in person.
Make repeat funding easier
Tokenize payment details so returning users can top up without entering their card again.
Know what you’re paying
Get transparent pricing for funding and payouts.
Choose your payout speed
Send funds with next-day, same-day, or instant payout options.
Fund wallets your way
Give users more ways to load their balance, from one-time payments to automatic top-ups. Manage card, ACH, and in-person funding through the same payments platform.
Let users load their wallet with a card. Finix tokenizes payment details so returning users can top up without entering their card information again.
Let users load their wallet with a card. Finix tokenizes payment details so returning users can top up without entering their card information again.
Finix payouts
Send money back out just as easily
Give users access to their funds when they need them. Finix Payouts lets you send money back out with next-day, same-day, or instant payout options.
Use payouts for wallet cash-outs, unused prepaid balances, and other funds that need to move from your program back to the user.
Everything you need to build a digital wallet
A digital wallet needs more than payment processing. Most programs combine a ledger, compliance and identity tools, funding and payout rails, card issuing, and the customer-facing app.
Finix handles the payment processing for funding and payouts. See how the other pieces fit together before deciding what to build, buy, or source from different providers.
Manage wallet payments in one place
From tracking funds to managing risk and onboarding sellers, get everything you need to run your wallet program from a single dashboard.
Manage all payments in one place
Use the Finix Dashboard to manage payments, refunds, disputes, customers, and more without needing to write code.
See how payments are performing
Get real-time visibility into transactions and payment performance, so you can understand what’s happening across your business.
Know what you’re paying in both directions
Wallet programs move money in and out. Finix prices funding and payouts separately, so you can understand the cost of each money flow.
Choose how to build your wallet payments
There’s more than one way to put a wallet program together. The right approach depends on how quickly you need to launch and how much control you want over your payment stack.
Build in-house | Bundled white label | Hybrid | |
|---|---|---|---|
Time to launch | Longest | Fastest | Moderate |
Control over funding/payout | Full | Limited by provider | Full |
Pricing transparency | You manage each provider contract | Often bundled | Funding and payouts priced separately |
Migration risk later | Lower dependency on a single vendor | Greater vendor dependency | Depends on your architecture |
Best fit | Teams with an established payments function | Programs prioritizing speed to launch | Teams that want more control over payment processing |
Where Finix fits
Finix supports the hybrid approach as your payment processor for funding and payouts. You can choose the other providers that make up your wallet stack rather than buying the entire program from one vendor.
See what you could save on payment processing
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Wallet funding and payout FAQs
If users keep a stored balance between transactions, your program needs more than payment processing. That typically includes a ledger, compliance and identity tools, funding and payout rails, and the customer-facing wallet.
Finix provides the payment processing for funding and payouts. If users simply receive funds and cash out, a standalone payout solution may be enough.
No. A digital wallet typically stores value for a defined set of transactions or uses. A mobile banking app provides access to a bank account and a broader set of banking services. The technology and regulatory requirements behind each can also differ.
They serve different purposes. Your wallet manages how users access or hold value, while payment processing handles the movement of funds into and out of the wallet.
If your wallet accepts cards or ACH for funding, you need payment infrastructure to process those transactions.
Funding and payouts are different transaction types with different costs. Finix prices them separately, so you can see what it costs to move money into a wallet and what it costs to send money back out. Funding costs depend on the payment method. Payout pricing depends in part on how quickly funds need to move.
Yes. Finix supports in-person wallet funding through contactless payment terminals. A user can tap their card at a supported terminal to add funds without completing the transaction online.