Instant Payouts just got better: Scheduled payouts and faster funding
In the race to modernize financial services, "instant" has moved from a novelty to a baseline expectation. 92% of businesses now utilize some form of faster payments, as they look to close critical liquidity gaps. Merchants want faster access to their funds, working capital tools, and a seamless experience all from the platforms they already use.
That’s why we’re constantly evolving Jaris Instant Payouts. We provide the unified architecture that platforms need to offer more value, allowing merchants to access their funds in minutes rather than days.
Designed for payments and software companies, Instant Payouts creates a new revenue stream for your platform. Expanding your product suite with Instant Payouts doesn't just solve your merchants' cash flow gap—it deepens the relationship they have with your platform. Businesses that use instant payouts report 10% greater satisfaction with their primary financial provider, and when paired with other embedded finance solutions, this multi-product stickiness can increase merchant lifetime value by up to 2x and drive 40% higher retention.
What's new: Scheduled payouts and multi-network routing
1. Scheduled Instant Payouts
The biggest update is the ability to schedule Instant Payouts — and it's a game changer for merchants dealing with cash flow gaps.
Previously, Instant Payouts were only available on-demand. Now, merchants can schedule payouts in advance by selecting preferred days, an exact time, and their local timezone.
At the scheduled time, the Jaris platform automatically checks for a $100 minimum threshold and sends the full available balance. Merchants get peace of mind knowing their funds arrive when needed, up to $20K* total per day with a transparent fee. And with the ability to request multiple payouts per day as sales accumulate, merchants have more flexibility than ever to access funds when it matters most.
“We chose Jaris because of the speed, flexibility, and how easy it was to access funding when we needed it most. The instant payout option has been especially helpful in managing day-to-day cash flow during busy and unpredictable periods.”
— Thy Vo, Owner, Lux Nails
2. Multi-network routing
Relying on a single payout network creates a single point of failure. Instant Payouts now uses an intelligent multi-rail routing system that automatically falls back across FedNow, RTP, and OCT networks — with real-time routing number validation during onboarding.
If one network fails, Jaris seamlessly tries the next. And if a merchant's bank supports FedNow or RTP, we skip the debit card collection step entirely — accelerating their time to first payout. The result: merchants get their funds faster and more reliably, every time.
“Instant Payouts allows our ISO and Agent partners in the U.S. card-present SMB space to drive new revenue and increase retention, while solving a critical liquidity gap for merchants.”
— Tyler Nowell, SVP of SMB Sales at Paysafe
The bottom line
The latest Instant Payouts updates are designed to give merchants faster, more reliable access to their funds — on their schedule. Automated scheduling removes the manual steps, and multi-network routing ensures payouts go through every time. Your platform gets a stronger tool for merchant retention and revenue.
Ready to offer Instant Payouts on your platform? Contact us to learn more.
*If approved for Instant Payouts, Merchant may request up to 5 Instant Payouts per day, up to the lesser of $20,000 total or the amount currently available in the Merchant's Instant Payout dashboard. Each payout request may not exceed $9,999. The available balance resets each weekday at 5:00 AM ET. Requests are subject to availability and may be delayed or declined due to risk/compliance review or technical limitations.
Instant Payouts provide faster access to eligible funds for a fee. Instant Payouts are not loans; when the Merchant’s card transactions settle, they will be used to offset the Instant Payout amount. Any settlements in excess of the Instant Payout amount will be deposited to the Merchant’s primary bank account.
All Instant Payouts are managed by Jaris Lending, LLC ("Jaris"), and use is subject to approval. Funds typically appear in the associated bank account within a few minutes, but may take up to 30 minutes depending on technical and bank limitations.