Payouts
Pay out to 65+ countries via local rails. Lightspark auto-routes each payment to the optimal rail, handles FX, and settles in real time.
Lightspark API
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Capabilities / Payouts
Acme Corp sends payouts to creators and partners worldwide. Funds convert and deliver in each recipient's currency. Swipe to explore.
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Technical specs
01
Overview
Send funds to bank accounts, wallets, and mobile money providers in 65+ countries. The Lightspark API selects the optimal rail for each corridor, including SEPA, PIX, UPI, Faster Payments, and ACH, and settles in local currency. One API for all of it.
02
Coverage
Payout coverage across 65+ countries
- Austria
- Bangladesh
- Belgium
- Benin
- Brazil
- Bulgaria
- Cameroon
- China
- Colombia
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Dominican Republic
- Egypt
- El Salvador
- Estonia
- Finland
- France
- Germany
- Ghana
- Greece
- Guatemala
- Haiti
- Honduras
- Hong Kong
- Hungary
- Iceland
- India
- Indonesia
- Ireland
- Italy
- Ivory Coast
- Kenya
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malawi
- Malaysia
- Malta
- Mexico
- Morocco
- Netherlands
- Nigeria
- Norway
- Pakistan
- Philippines
- Poland
- Portugal
- Romania
- Rwanda
- Senegal
- Singapore
- Slovakia
- Slovenia
- South Africa
- Spain
- Sweden
- Switzerland
- Tanzania
- Thailand
- Uganda
- United Arab Emirates
- United Kingdom
- United States
- Vietnam
- Zambia
03
Rails
Lightspark auto-routes to the optimal rail for the currency, country, and amount
- SEPAEurope1 business day
- SEPA InstantEuropeInstant
- ACHUS1–2 business days
- Wire TransferUSSame day
- RTPUSInstant
- FedNowUSInstant
- PIXBrazilInstant
- UPIIndiaInstant
- SPEIMexicoInstant
- Faster PaymentsUKInstant
- PayNowSingaporeInstant
- FASTSingaporeSame business day
- Bank TransferSupported marketsVaries
- UMAWallet-to-walletInstant
04
Security & controls
- AuthorizationOutbound movement requires the account owner to authorize from their device
- Session signingSession signing keys are short-lived; 15 minutes by default
- No unilateral movementNeither Lightspark nor the platform can unilaterally move customer funds
- Compliance operationsKYC, KYB, sanctions screening, risk review, and corridor requirements
- Security programSOC 2 Type II audited; NIST CSF–aligned controls
- LimitsApproval thresholds, velocity limits, payee controls
- AgentsBounded scopes, audit trails, real-time revocation
05
API
- ProtocolREST, OpenAPI 3.1
- SDKsTypeScript, Kotlin
- AuthHTTP Basic (server-side), Passkeys / OIDC / Email OTP (end-user)
- Money movementQuote → execute → webhook. Same flow for every rail, every currency.
- SigningECDSA P-256, device-held keys, per-action payloadToSign
- IdempotencyIETF-spec Idempotency-Key on every mutation
- WebhooksSigned payloads, exponential retry, deduplicate by delivery ID
06
Integration
- Time to launchDays
- BrandingYour brand and product surface
- EconomicsReserve rewards, card interchange, FX margin, and transaction fees accrue to the platform
- ComplianceLightspark MSB, hosted KYC/KYB, or bring your own
- PricingCustom