Lightspark forglobal payouts

Paying people around the world means a patchwork: one provider for Europe, another for Latin America, wires where nothing else reaches, and fees and FX spreads hiding in every hop. Settlement takes days and support tickets follow.

The recipients feel it worst: money that arrives late, short, or not at all. And scaling only compounds it. Each new market re-runs the same procurement: find a provider, negotiate the corridor, park a float, and hope the reporting agrees with your ledger at month end.

Fund a balance ahead of time, or attach payment instructions to a payout so it executes the moment your money arrives. Create recipients over the API with the details you already hold, or let hosted onboarding collect them for you. Either way, each recipient exists once, with their currency, country, and banking details attached, and every payout after that is a single call against them.

Sofia Martinez

MXN

Each payout gets a quote: the exchange rate locks, and every fee is visible before you commit. Lock the sending amount to control cost, or the receiving amount so the recipient gets an exact figure. Expired quotes recreate instantly at a fresh rate, so a delayed approval never executes on numbers nobody agreed to.

The Lightspark API picks the optimal rail for each corridor: SEPA in Europe, PIX in Brazil, UPI in India, ACH in the US, and settles in the recipient’s currency. A webhook confirms each payout as it lands, so status lives in your system instead of a support queue, and month end reconciles against what actually happened.

Sofia Martinez

MXN

N

NodePay

USDB

1,250.00 USDB

Priya Sharma

INR

Lucas Silva

BRL

Mei Lin

PHP

S

SatoshiDirect

BTC

Emma Johnson

GBP

BE

Bangkok Express

THB

Maria Garcia

EUR

Amara Okafor

NGN

Chloe Nguyen

VND

Khalid Al-Rashid

AED

One integration reaches 65+ countries on domestic rails, settled in real time, with every payment reporting its status until it lands.

Coverage65+ countries

Send to bank accounts, wallets, and mobile money providers in 65+ countries, settled in local currency.

• 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

Local railsPIX, UPI, SEPA, FPS + more

Lightspark auto-routes each payment to the optimal rail for the currency, country, and amount. Instant where the rail supports it.

FXLocked at quote

Quotes lock the exchange rate for 1 to 15 minutes depending on corridor, with exact fees, rate, and receiving amount shown before execution.

FundingPrefund or just-in-time

Fund from held balances or with just-in-time payment instructions. Balances credit the moment funds arrive.

ComplianceKYC, KYB, sanctions

Identity checks, business verification, sanctions screening, risk review, and the requirements attached to each supported corridor.

TrackingWebhooks per payment

Quote, execute, webhook. Every payment reports status through signed webhooks with exponential retry.

The objects are the ones your team expects: customers, accounts, quotes, transactions, and webhooks. Register the bank account once; from then on every payout is a quote and an execute, with settlement confirmed over webhooks. The sandbox funds instantly, so the whole flow can be tested before production money moves.

Start with one API, a sandbox, and the objects you already know: customers, accounts, quotes, transactions, and webhooks.