Getting paid faster: standard vs. instant payouts

The quick answer

Final Pay gives you two ways to get your money to your bank: standard payouts and instant payouts. Final Pay collects your sales into a balance and then pays it out, and you choose how fast:

• Standard payout — sent to your bank on your regular schedule, at no extra cost.

• Instant payout — sent to an eligible debit card or bank account within minutes, for an extra 0.69% charged on top of your standard processing rate.

So the trade-off is simple: standard is free but follows your schedule; instant adds 0.69% but gets you the money right away.

Standard payouts

Standard payouts go to your bank automatically on your payout schedule (for example, daily or weekly) at no extra cost. This is the best fit for everyday cash flow, when you don't need the money the same minute it clears. You can change how often standard payouts happen in Payment Setup → Payment Account.

Instant payouts

Instant payouts send your available funds to an eligible debit card or bank account within minutes, for an additional 0.69% of the amount — and that 0.69% is charged on top of your standard card processing rate, not instead of it. Instant payouts are useful when you need cash in hand quickly, including evenings and weekends when banks are closed. They're available where supported, and only Available (cleared) funds can be sent.

The 0.69% instant-payout fee is in addition to your standing per-transaction rate. The available speed and eligibility are shown in the Payouts area when you initiate one.

Which should I use?

• Choose standard for normal, day-to-day cash flow — it's free and happens automatically.

• Choose instant when timing matters more than the extra 0.69% — for example, to cover a supplier payment or restock before the weekend.

Where to manage it

Open Payouts from the navigation to see your Available and Pending balance, your payout history and schedule, and to initiate a payout where supported. Remember that only Available funds can be paid out — Pending funds clear automatically first.

Frequently asked questions

Is there a fee for getting paid? Standard payouts are at no extra cost. Instant payouts add 0.69% on top of your standard card processing rate.

Is the 0.69% instead of my normal rate? No — it's an additional fee charged on top of your standing per-transaction rate.

How fast is an instant payout? Available funds arrive within minutes, including outside normal banking hours.

How do I change how often I'm paid? Adjust your payout schedule in Payment Setup → Payment Account.