Enable Instant Payouts or card payouts on your Stripe account and confirm the destination country is supported for card payouts.
Collect the recipient's debit card details and create a PaymentMethod or store the card via the Stripe API; the card must be a debit card eligible to receive push payments.
Create a Payout object via the API targeting the stored debit card's payment method ID; specify the amount, currency, and method as 'instant' for card payouts.
Poll the Payout status or listen for the payout.paid webhook to confirm the funds have been sent; card payouts typically arrive within 30 minutes but processing times vary by issuer.
For failures (e.g., card not eligible, card closed), inspect the failure_code on the Payout object and notify the recipient to provide an alternative payout method.
Maintain a per-recipient payout log with amounts, timestamps, and statuses for support and regulatory reporting purposes.
Known gotchas
Not all debit cards are enabled to receive push-to-card payouts; the card must participate in the Visa Direct or Mastercard Send network and the issuer must support receive capability.
Card payout fees are typically higher than ACH; factor this into your unit economics before choosing card payouts over bank transfers.
Daily and per-transaction limits apply to card payouts and vary by country and acquirer; exceeding these limits requires manual override or splitting the payout across multiple transactions.
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