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FractionalPay

Global payout platform

A payout platform with approvals built in

FractionalPay is a payout platform for mass payouts from your own payment account: import beneficiaries, let rules or balances decide who is owed what, approve large payouts with a second person, and send every instruction through the account you already have.

We are clear about one thing. The money does not pass through us. It moves inside your connected platform account at a licensed payment operator, and FractionalPay is the layer that decides, records and instructs.

Try the split simulator See pricing
  • CSV import of beneficiaries in one upload
  • Roles and four-eyes approvals above a threshold
  • Ledger per entity and currency on Scale

Payout runs

November 2026

Mon
Tue
Wed
Thu
Fri
Sat
Sun

1

2

$46.2k

$12.5k

3

4

5

6

7

8

9

10

11

12

13

$28.9k

14

15

16

$9.9k

17

18

19

20

21

22

23

24

25

26

27

28

29

30

$14.3k

  • Nov 2 · Creators (318) $46,210.00Scheduled
  • Nov 2 · Partner, large payout $12,500.00Approval
  • Nov 13 · Contractors (64) $28,940.75Scheduled
  • Nov 16 · Affiliates (205) $9,875.40Scheduled
  • Nov 30 · Resellers (22) $14,320.00Held
Scheduled, held and awaiting approval payouts for the month.

How the money moves

Mass payouts from the account you already own

Many payout platforms ask you to fund an account they control and pay out from there. FractionalPay works differently. You connect your own platform account at your payment operator, today Stripe Connect, and every beneficiary is linked to a connected account in it. When a payout is due, FractionalPay sends the instruction to your account and your operator moves the money to the beneficiary.

That means FractionalPay calculates the amounts, keeps the double-entry ledger and sends payout instructions. It never holds, pools or transmits funds and it is not a payment institution. Your operator's own payout fees and coverage apply, and we add no fee per payout.

It also means the honest answer to "is it a global payout platform" depends on your operator. You can pay beneficiaries in the countries and currencies your connected account supports. On Scale you can connect up to 10 accounts, for example one per legal entity or region, each with its own ledger and currency.

  • No pre-funding of a third-party wallet
  • No fee per payout from FractionalPay
  • Coverage and currencies follow your operator account

Ledger journal

Balanced

txn_MP8D2W ·Payout run Nov 13, contractors

  • Payable to Contractors Dr$28,940.75
  • Operator balance (your account) Cr$28,940.75

TotalDr $28,940.75 · Cr $28,940.75

From list to paid

Running mass payouts in four steps

Whether you pay 30 contractors or 300 creators, the run looks the same. The difference between a payout platform and a bank file is that every step leaves a record.

  1. 01

    Import beneficiaries

    Upload a CSV with name, email, type, country, currency and connected account id, or create them through the API.

  2. 02

    Decide who is owed what

    Balances come from split rules on incoming payments, so each run pays exactly what the ledger says is available.

  3. 03

    Approve the run

    Finance reviews scheduled payouts. On Scale, payouts above your threshold wait for a second approver.

  4. 04

    Send and confirm

    Instructions go to your account. Each payout ends paid or failed, with a signed webhook either way.

Awaiting approval

Partner

Partner 014

Pending

$12,500.00

Above $10,000.00 threshold

Approved by 1 of 2

Reseller

Reseller 006

Scheduled

$3,210.00

Below threshold

Goes out Nov 2

Approvals and roles

Two people for the big payouts

The usual payout risk is not the calculation. It is one person who can change a bank detail and send a large amount on the same afternoon. FractionalPay separates those powers.

On Growth, team members get roles: Owner, Finance, Developer and Viewer. On Scale, payouts above a threshold you set move to awaiting approval and are only sent after a second person approves them, in the dashboard or with POST /payouts/{id}/approve. Scale also adds SAML SSO, audit log export and an IP allowlist for API keys.

  • Viewer access for support and auditors
  • Approval history on every payout
  • Audit log export on Scale

Payouts API

Approve and track payouts in code

Everything the dashboard does is available through the REST API with test and live keys. GET /payouts lists payouts with their status, and POST /payouts/{id}/approve records an approval on Scale. Every POST accepts an Idempotency-Key, so a retried request never approves or creates anything twice.

Your systems hear about each step through signed webhooks: payout.scheduled, payout.paid and payout.failed. Deliveries are retried with backoff for 24 hours and can be replayed from the delivery log. The full reference is in the API docs, and the payouts API page walks through it.

  • Create beneficiaries with POST /beneficiaries
  • Read balances with GET /balances
  • Statuses scheduled, held, awaiting_approval, sent, paid, failed
Read the API reference

POST /v1/payouts/814/approve

200 OK

curl -X POST https://fractionalpay.com/api/v1/payouts/814/approve \
  -H "Authorization: Bearer fp_test_4eC39H..." \
  -H "Idempotency-Key: 0c380556-order" \
  -H "Content-Type: application/json"
{
  "id": 814,
  "object": "payout",
  "beneficiary_id": 14,
  "amount": 1250000,
  "currency": "USD",
  "status": "scheduled",
  "scheduled_for": 1792141200,
  "sent_at": null,
  "external_transfer_id": null,
  "failure_reason": null,
  "requires_approval": true,
  "approved_by": 7,
  "approved_at": 1792062800,
  "created": 1792062790
}

Webhook delivery · payout.paid

200 delivered

POST https://api.yourplatform.com/hooks/fractionalpay

FractionalPay-Signature: t=1760534400,v1=5257a869e7ec...

{
  "id": "evt_7f5495b5aad91970bdb4eead",
  "type": "payout.paid",
  "created": 1760534400,
  "livemode": false,
  "data": {
    "payout": {
      "id": 814,
      "object": "payout",
      "beneficiary_id": 14,
      "amount": 1250000,
      "currency": "USD",
      "status": "paid",
      "scheduled_for": 1792141200,
      "sent_at": 1792141260,
      "external_transfer_id": "tr_1Q9par0814",
      "failure_reason": null,
      "requires_approval": true,
      "approved_by": 7,
      "approved_at": 1792062800,
      "created": 1792062790
    }
  }
}

Mass payouts by plan

What each plan adds to your payout runs

Plans are flat: 199, 499 and 1,499 USD per month, or 99, 249 and 749 USD per month billed yearly, with monthly flow limits of 100,000, 1,000,000 and 10,000,000 USD. Compare them on pricing. Paying affiliates on recurring revenue is covered on affiliate payouts.

Each feature is included from the plan shown and in every plan above it. Compare plans.

  • Schedules and minimums

    Starter+

    Daily, weekly or monthly runs with a minimum payout amount, up to 50 beneficiaries.

  • Ledger and CSV exports

    Starter+

    Balances per beneficiary and every payout in a double-entry ledger.

  • Roles and 1,000 beneficiaries

    Growth+

    Owner, Finance, Developer and Viewer for up to 10 team members.

  • Tax data per beneficiary

    Growth+

    Tax form status, yearly earnings statements and VAT breakdown per line.

  • Four-eyes approvals

    Scale

    Payouts above a threshold need a second approver before they are sent.

  • Multi-currency entities

    Scale

    Up to 10 connected accounts, per-entity ledgers and scheduled accounting exports.

Questions

Frequently asked questions

Something else on your mind? Write to [email protected] or read the API documentation.

Is FractionalPay a money transmitter?
No. Payments and payouts stay in your own platform account at a licensed payment operator. FractionalPay calculates amounts, keeps the ledger and sends payout instructions. We never hold, pool or transmit funds and we are not a payment institution.
Which countries can we pay?
The countries and currencies supported by your connected operator account. You connect your own Stripe Connect platform account today, and on Scale you can connect up to 10 accounts with a ledger per entity and currency.
Can we import beneficiaries from a spreadsheet?
Yes. Import a CSV with name, email, type, country, currency and connected account id. The same fields are available through POST /beneficiaries.
How do four-eyes approvals work?
On Scale you set an amount threshold. Payouts above it get the status awaiting approval and are sent only after a second team member approves them. The approval is recorded on the payout.
Is there a fee per payout or per beneficiary?
No fee from us. You pay a flat monthly plan with a split flow limit and a beneficiary limit on Starter and Growth. Your operator's own fees are unchanged.
Can we cancel?
Yes, anytime from billing, and you can export the full ledger as CSV first.

Try a payout run on sample numbers

Run a split in the simulator, choose a payout schedule and see which beneficiary is paid on which date, then create an account to save it in a sandbox.

Try the split simulator See pricing

No transaction fees from us. Runs on your own payment account at a licensed operator. FractionalPay never holds your funds.