Outbound payments
Send payments. Instantly. Automatically.
Send payouts to customers, sellers, or any third party in seconds, not days. Eliminate the manual work. Automate SEPA Instant transfers via API.
Payouts are sent to your users from a Dutch IBAN
Returnly – Bottle & Can Deposit Returns
Returnly – Deposit Returns
13 March 2026 · 16:34
€300.00
€300.00
Withdrawal
Withdrawal
Automate payouts, eliminate hassle
Simplify how you send money. Cut costs, eliminate errors, and free up your team to focus on growing the business.
Automate payouts, eliminate hassle
Simplify how you send money. Cut costs, eliminate errors, and free up your team to focus on growing the business.
Gain full visibility
Get a real-time view of your end-to-end cashflow in one dashboard, for optimal control and simplified reconciliation.
Amount
Status
£25.00
Sent
£32.00
Open
£8.00
Pending
£25.00
Sent
−€16,00
Sent
€25.00
Open
€25.00
Open
Automate safely
Mitigate risk with always-on security measures and a complete audit trail. Scale your volume by replacing manual per-transaction approvals.
Cut the manual work
An automated setup you can run, 24/7. Trigger transfers via API to anyone, anytime. No banking portals, no file uploads.
const { createMollieClient } = require('@mollie/api-client');
const mollieClient = createMollieClient({ apiKey: 'access_dHar4XY7LxsDOtmnkVtjNVWXLSlXsM' });
const transfer = await mollieClient.businessAccountTransfers.create({
transferScheme: {
type: 'sepa-credit-inst'
},
amount: {
currency: 'EUR',
value: '10.00'
},
debtorIban: 'NL55MLLE0123456789',
creditor: {
fullName: 'Jan Jansen',
account: {
iban: 'NL02ABNA0123456789'
}
},
description: 'Invoice 12345',
metadata: {
order_id: '12345',
customer_reference: 'cust_001'
}
});How it works
From trigger to transfer in seconds
Connect once via API and automate payouts to anyone, anywhere, at anytime.
From trigger to transfer in seconds
Connect once via API and automate payouts to anyone, anywhere, at anytime.
1
Fund your account
Fund your account
Fund your payout account with incoming Mollie payments or from an external bank account
Fund your payout account with incoming Mollie payments or from an external bank account
2
Trigger payout
Trigger payout
Trigger transfers via API
Trigger transfers via API
3
Deliver funds
Deliver funds
Payouts arrive to third parties in as little as ten seconds
Payouts arrive to third parties in as little as ten seconds
*consumers (private individuals) and businesses alike
*consumers (private individuals) and businesses alike
Customer
Payment
Payout' account
Dutch IBAN
Payout
via Instant SEPA
Credit Transfer
Payee
via Instant SEPA
Credit Transfer
External account
Customer
Payment
Payout' account
Dutch IBAN
Payout
via Instant SEPA
Credit Transfer
Payee
via Instant SEPA
Credit Transfer
External account
Whatever your business. Whoever you pay.
One payout infrastructure for every business model, from platforms to insurers to retailers.
Whatever your business. Whoever you pay.
One payout infrastructure for every business model, from platforms to insurers to retailers.
Financial Services
Process e-wallet withdrawals instantly. Automate insurance claim payments.
iGaming
Process player withdrawals instantly, at any volume.
Deposits & refunds
Return cash and process reimbursements automatically.
Utilities
Process utility bill refunds in seconds instead of weeks.
API-first. Developer-friendly.
API-first. Developer-friendly.
API, full documentation, sandbox environment, and real-time webhooks for real-time status tracking. Built for developers who want to ship fast and scale faster.
Security
Enterprise-grade security built in at every layer
Enterprise-grade security built in at every layer
Verification of Payee
Every beneficiary's name is verified against their IBAN before a single euro moves, stopping fraud and misdirected payments.
User name
Luuk Visser
IBAN
DE80 1004 000 0107 5417 02
The registration number (IBAN) is not in the name of Luuk Visser
The registration number (IBAN) is not in the name of Luuk Visser
Full audit trail
Every transaction and every step logged, timestamped and available via files or API – so your compliance team always has what they need.
Main account
€48,000.25
NL69 MLLE 4206 9666 21
Date
Transaction ID
May-26 15:29:21
batr_91TgCrPiS5LwYhNz4mJk
May-26 14:15:51
batr_3KpNvXmR9QwZsYtLc2dF
May-26 14:12:01
batr_62HjMqEuDnVfAoKp8xWb
May-26 13:29:42
batr_47BsUaGxQdKvMcRe3nTy
Multi-layered security controls
Verify every payout using a unique signing key-pair, ensuring only authenticated transfers go through.
Granular access control
Decide who can send payments. Only the right people get the right access.
Team
Check who has access
LK
luuk.visser@mollie.com
Admin
KM
koen.mulder@mollie.com
Admin
CC
camille.van.den.bogeart@mollie.com
Admin
JD
jasper.van.dijk@mollie.com
Owner
Get started
Three steps to your first payout
Three steps to your first payout
1
Talk to sales
Tell us about your business and payout needs. We’ll take it from there.
2
Eligibility & onboarding
We verify your eligibility and set up your payout account, including any required compliance checks.
3
Go live
Integrate the API, test in sandbox and start sending money.
FAQ
FAQ
FAQ
What is Outbound Payments and how is it different from a regular bank transfer?
Mollie Outbound Payments is an API-first payout solution that lets businesses send money to any recipient in under 10 seconds, 24/7, using SEPA Instant Credit Transfers without logging into a banking portal or uploading files. Unlike a standard bank transfer, SEPA Instant Credit Transfers are processed in real or near-real time and are available 24/7/365, meaning payouts go out on weekends and public holidays with no batch delays.
This product has been granted an exemption from the DNB for requiring secure customer authentication (SCA) for each transaction, which means truly no manual interference is required. SCA is replaced by an equally secure equivalent.
How fast are payouts sent with Mollie Outbound Payments?
SEPA Instant transfers settle in under 10 seconds at any time of day, any day of the week – including Sundays and public holidays. Mollie's average is under 10 seconds from trigger to transfer. Once a payout is confirmed, funds are settled immediately and there's no built-in chargeback mechanism, giving recipients – and your business – full payment certainty.
Can I automate payouts without manual approval for every transaction?
Yes. Payouts initiated through this Mollie product enable businesses to automate their payment workflows by connecting their systems directly to a payment provider, removing the need to manually monitor accounts or approve each transaction. With Mollie Outbound Payments, you set rules once and trigger transfers via API. The appropriate person with the appropriate permissions installs a set of signing keys for transaction authentication. No banking portals, no file uploads, no per-transaction sign-off required. Finance teams using automated payout setups save an average of 15+ hours per week.
What countries and recipients can I send payouts to?
Mollie Outbound Payments sends via SEPA Instant Credit Transfer, which covers 36 European countries including all 27 EU member states plus Andorra, Iceland, Monaco, Norway, Liechtenstein, San Marino, Switzerland, the UK, and the Vatican. You can pay both private individuals and businesses – there are no restrictions on recipient type and no transaction size limits set by Mollie. Transactions are sent on your behalf, from a Dutch IBAN.
How can I automate my bookkeeping?
Pricing is calculated per transaction(outgoing SEPA Instant Credit Transfer, you can contact sales for a custom offer. There are no monthly fees, no setup costs, and no hidden charges. Pricing may vary depending on your volume and commercial agreement – speak to your account manager for a tailored quote.
How does Mollie prevent fraud and misdirected payments?
Mollie uses multiple layers of protection. Every payout is authenticated using an asymmetric ECDSA signing key pair – your private key is never held by Mollie. Before a payment processes, the system screens for sanctions and fraud red flags. Verification of Payee – which checks a recipient's name against their IBAN before any funds move – is included as well, stopping fraud and misdirected payments at the point of initiation. Every transaction is also logged with full timestamps via webhook.
What happens if a payout fails or is rejected?
If no confirmation arrives within 10 seconds, the funds are automatically reversed. You're notified immediately via webhook with a reason code explaining the status. If a transaction is rejected by the recipient's bank, funds are returned to your Mollie account in line with SEPA rules – no manual intervention needed.
Is Mollie Outbound Payments right for iGaming businesses?
Yes – and it's particularly well-suited to it. 82% of European online gamblers consider fast payouts important when choosing a platform, and more than half would switch to a platform that offers instant withdrawals. Mollie Outbound Payments processes player withdrawals instantly at any volume, 24/7, with no per-transaction manual approvals. Instant settlement also improves liquidity management for operators, reducing reliance on prefunding and giving greater visibility over outgoing funds.
How does Mollie keep my funds safe, and who regulates it?
Mollie is a licensed EMI regulated by De Nederlandsche Bank (DNB). All funds held in your Mollie IBAN are kept in a segregated safeguarding account, completely separate from Mollie's own funds – this is a legal requirement under Dutch financial regulation. Ownership of funds transfers to your business entity at the moment they are added to your Mollie IBAN.
How long does integration take and what do I need to get started?
Integration timelines depend on the depth of implementation – in many cases, the technical integration can be carried out within a days. Mollie provides a sandbox environment from day one, full API documentation, and a dedicated sales engineer to guide you through setup. Before going live, your business goes through an eligibility assessment and a one-time account security setup (an access token and cryptographic signing key pair). Your dev team can start building in sandbox while onboarding is in progress.
What is Outbound Payments and how is it different from a regular bank transfer?
Mollie Outbound Payments is an API-first payout solution that lets businesses send money to any recipient in under 10 seconds, 24/7, using SEPA Instant Credit Transfers without logging into a banking portal or uploading files. Unlike a standard bank transfer, SEPA Instant Credit Transfers are processed in real or near-real time and are available 24/7/365, meaning payouts go out on weekends and public holidays with no batch delays.
This product has been granted an exemption from the DNB for requiring secure customer authentication (SCA) for each transaction, which means truly no manual interference is required. SCA is replaced by an equally secure equivalent.
How fast are payouts sent with Mollie Outbound Payments?
SEPA Instant transfers settle in under 10 seconds at any time of day, any day of the week – including Sundays and public holidays. Mollie's average is under 10 seconds from trigger to transfer. Once a payout is confirmed, funds are settled immediately and there's no built-in chargeback mechanism, giving recipients – and your business – full payment certainty.
Can I automate payouts without manual approval for every transaction?
Yes. Payouts initiated through this Mollie product enable businesses to automate their payment workflows by connecting their systems directly to a payment provider, removing the need to manually monitor accounts or approve each transaction. With Mollie Outbound Payments, you set rules once and trigger transfers via API. The appropriate person with the appropriate permissions installs a set of signing keys for transaction authentication. No banking portals, no file uploads, no per-transaction sign-off required. Finance teams using automated payout setups save an average of 15+ hours per week.
What countries and recipients can I send payouts to?
Mollie Outbound Payments sends via SEPA Instant Credit Transfer, which covers 36 European countries including all 27 EU member states plus Andorra, Iceland, Monaco, Norway, Liechtenstein, San Marino, Switzerland, the UK, and the Vatican. You can pay both private individuals and businesses – there are no restrictions on recipient type and no transaction size limits set by Mollie. Transactions are sent on your behalf, from a Dutch IBAN.
How can I automate my bookkeeping?
Pricing is calculated per transaction(outgoing SEPA Instant Credit Transfer, you can contact sales for a custom offer. There are no monthly fees, no setup costs, and no hidden charges. Pricing may vary depending on your volume and commercial agreement – speak to your account manager for a tailored quote.
How does Mollie prevent fraud and misdirected payments?
Mollie uses multiple layers of protection. Every payout is authenticated using an asymmetric ECDSA signing key pair – your private key is never held by Mollie. Before a payment processes, the system screens for sanctions and fraud red flags. Verification of Payee – which checks a recipient's name against their IBAN before any funds move – is included as well, stopping fraud and misdirected payments at the point of initiation. Every transaction is also logged with full timestamps via webhook.
What happens if a payout fails or is rejected?
If no confirmation arrives within 10 seconds, the funds are automatically reversed. You're notified immediately via webhook with a reason code explaining the status. If a transaction is rejected by the recipient's bank, funds are returned to your Mollie account in line with SEPA rules – no manual intervention needed.
Is Mollie Outbound Payments right for iGaming businesses?
Yes – and it's particularly well-suited to it. 82% of European online gamblers consider fast payouts important when choosing a platform, and more than half would switch to a platform that offers instant withdrawals. Mollie Outbound Payments processes player withdrawals instantly at any volume, 24/7, with no per-transaction manual approvals. Instant settlement also improves liquidity management for operators, reducing reliance on prefunding and giving greater visibility over outgoing funds.
How does Mollie keep my funds safe, and who regulates it?
Mollie is a licensed EMI regulated by De Nederlandsche Bank (DNB). All funds held in your Mollie IBAN are kept in a segregated safeguarding account, completely separate from Mollie's own funds – this is a legal requirement under Dutch financial regulation. Ownership of funds transfers to your business entity at the moment they are added to your Mollie IBAN.
How long does integration take and what do I need to get started?
Integration timelines depend on the depth of implementation – in many cases, the technical integration can be carried out within a days. Mollie provides a sandbox environment from day one, full API documentation, and a dedicated sales engineer to guide you through setup. Before going live, your business goes through an eligibility assessment and a one-time account security setup (an access token and cryptographic signing key pair). Your dev team can start building in sandbox while onboarding is in progress.
Ready to automate your payouts?
Replace spreadsheets and banking portals with a single, automated flow.
Tap to Pay on iPhone
Accept contactless payments right on your iPhone with the Mollie app
Accept payments
Embedded payments
Grow your business
Technical resources
About Mollie
Tap to Pay on iPhone
Accept contactless payments right on your iPhone with the Mollie app
Accept payments
Embedded payments
Grow your business
Technical resources
About Mollie
Tap to Pay on iPhone
Accept contactless payments right on your iPhone with the Mollie app
Accept payments
Embedded payments
Grow your business
Technical resources
About Mollie