# Getting paid faster: standard vs. instant payouts

> Published: 2026-07-02
> Updated: 2026-07-08
> Category: Pay
> Canonical: https://finalpos.com/help/standard-vs-instant-payouts

Standard payouts send your money to your bank on your regular payout schedule at no extra cost. Instant payouts arrive within minutes but add 0.69% on top of your standard card processing rate. Use standard for everyday cash flow, and instant when you need the money quickly.

## Key takeaways

- Standard payouts follow your payout schedule at no extra cost.
- Instant payouts arrive within minutes but add 0.69% on top of your standard card processing rate.
- The 0.69% is an additional fee — it's charged on top of your standing rate, not instead of it.
- Use standard for everyday cash flow; use instant when you need the money quickly, including evenings and weekends.
- Only Available (cleared) funds can be paid out — Pending funds must clear first.

## 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.

Because the 0.69% is added to your standard processing rate, your total cost depends on that rate — which varies by region and card type. To see the full breakdown, see [Final Pay pricing](/help/final-pay-pricing).

> 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.

## FAQ

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

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

**Q: Where can I see my card processing rates?**
A: See the Final Pay pricing article, which lists the rates by region and card type.

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

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