Instant Payouts
Accurate and Instant Payouts
Slow payouts kill your brand. Delight consumers and cut operational costs with the payout network built for accuracy and speed.
Fast and flexible Pay to Bank
Win Consumer Trust
Europe Covered
Close the Loop
Raise the Limit
Simple steps for total control
Brite Performance
>99%*
<40s*
1 click
Key feature
The Engine behind Brite Instant Payouts
Routing payouts across the UK and Europe within seconds, the Brite Instant Payments Network is built to settle funds instantly 24/7, 365 days a year, minimising dependency on traditional bank clearing cycles and cut-off times.
Payout features that give you the edge
Time2Money
Merchant FX
Live Payout Tracking
Brite Group Customers
Financial Services
Financial Services
Utilities
Industry Use Cases
Built for Scale. Ready in Hours.
Our simple, developer-first API lets you integrate and launch instant payouts, fast. Stop batching, start automating, and scale with ease.
Your Instant Payout Questions Answered
How fast is an Instant Payout? And when does the consumer actually get their money?
A Brite Instant Payout is typically delivered in seconds.
Our proprietary network operates 24/7, 365 days a year, meaning consumers receive their money immediately, without being held up by bank holidays or weekend clearing cycles. The payment is processed and cleared at the same speed.
Internal Brite Group data shows that the median settlement time for a payout to arrive is around 4 seconds.
What happens if a Brite payout fails (e.g., wrong account details)?
Brite’s system includes automated checks and retry mechanisms to resolve common errors instantly. If a payout genuinely fails (e.g. closed account or incorrect details), you receive an immediate status notification via API or dashboard. This allows your customer support team to contact the consumer promptly to correct the details and ensure a speedy resolution.
If you, as a merchant, send funds to the wrong person, you are covered under bank scheme rules to be able to initiate a payment recovery process under applicable bank scheme rules.
Can we send an Instant Payout to a customer who paid us using a different method (like a card)?
Yes. Through our Manual Payouts feature, you can issue refunds or send funds to any consumer’s bank account, even if the original deposit was made using an external method, such as a card.
This gives you maximum flexibility for customer service and operational reconciliation.
How does Brite’s Merchant FX feature work for cross-border payouts?
Merchant FX simplifies your cross-border treasury. It allows you to fund your Brite balance in one single currency, and then exchange that balance directly within our platform to pay consumers in multiple local European currencies at competitive rates.
This eliminates the need for multiple balances and reliance on external bank FX processing.
What is Brite’s Time2Money feature, and how does it help my customer support team?
Time2Money is a powerful feature that provides the estimated time of arrival (ETA) for a consumer’s payout. This helps you proactively communicate accurate timelines, drastically reducing “Where Is My Money?” (WIMMO) support tickets and building overall consumer trust.
How do Brite Instant Payouts support closed-loop payouts?
Brite Payments Limited UK supports closed-loop payouts by linking a customer’s payout directly to the bank account they used for their original deposit.
How it works:
- Merchant-Initiated: When a customer requests a payout, the merchant initiates the transaction via the Brite API or merchant portal.
- Deposit-Tied Routing: Brite routes funds back to the exact verified bank account associated with the initial pay-in, eliminating manual-entry errors and ensuring the funds return to the source.
Key Benefits:
- Fraud Reduction: Restricting payouts to the original deposit account prevents unauthorised withdrawals to unverified third-party accounts.
- Simplified Compliance: Automated account matching helps meet anti-money laundering (AML) requirements and closed-loop regulatory standards.
Note: Closed-loop functionality relies on matching the payout to the original deposit account details. Brite Payments Limited UK does not perform external Confirmation of Payee (CoP) currently as part of this process.