Your creators judge you on the payout.
They don’t know who your payment provider is. They know your name.
Creator platforms pay earnings, revenue shares, referral bonuses and collaboration splits to thousands of independent creators, on a cycle or on demand, through their own product rather than a finance portal. DiscoFi gives that product one payout API: create the payout, get the status, reconcile the batch.
The provider is invisible. The disappointment isn’t.
A creator does not experience your payment processor, your banking partner, your API or your webhook. They experience your product. A payout problem becomes a support problem, then a trust problem, then a retention problem, and none of those arrive labelled as a payments issue.
The engineering underneath is unglamorous and unforgiving. Thousands of small payments, each of which can fail for its own reason. A request that times out and has to be safe to retry without paying twice. Status that has to reach your UI before a creator refreshes it. A cycle that has to reconcile exactly, because a cent of drift across 40,000 payouts is a support queue.
Your brand on the front. DiscoFi underneath.
- Create the payoutOne call with the recipient and the amount. Idempotency keys make a retry after a timeout safe rather than a duplicate payment.
- Track it liveWebhooks carry status changes to your product, so a creator sees the same state you do rather than a state you have to explain.
- Pay on cycle or on demandBatch the month or release a single cash-out. Both go out over the fastest delivery method the recipient can accept.
- Reconcile the cycleEvery payout resolves to a final state against one ledger, so the cycle closes rather than mostly closing.
Every payout is built for instant delivery.* See Instant Pay disclosure Your team decides who gets paid and how much; the payout API handles everything after that.
What a monthly creator cycle looks like.
Monthly cycle
- Creator earnings3,412 creators$742,600.00
- Revenue share156 partner-tier accounts$96,400.00
- Referral bonuses262 qualifying referrals$21,800.00
- Collaboration splits440 split payouts$38,900.00
- Settlement$899,700.00
4,270 payouts - One cycle - One ledger
Questions this raises.
Can creators cash out on demand rather than waiting for a cycle?
Yes. A payout is a single API call, so an on-demand cash-out and a scheduled batch are the same operation at different times.
What stops a retry from paying someone twice?
Idempotency keys. A retried request with the same key returns the original result rather than creating a second payout, which is what makes a timeout safe to handle in your own code.
How does our product learn that a payout landed?
Webhooks carry status changes as they happen, with a reconciling poll as the backstop. Both are documented, including duplicate delivery and out-of-order events.
Do our creators need a DiscoFi account?
No. They are paid to the bank account they already have. Their relationship stays with your platform.
The best payout support ticket is the one that never exists.
Not “where is it?” Not “did it fail?” Not “can you check?” The creator opens your product, sees that it landed, and stops thinking about you until the next time they want to.
Make the payout a reason they stay.
One platform for calculating, sending and reconciling payouts. Starts at $888/month plus 0.28% of successful payout volume.
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