Payout links let you pay someone without collecting their banking details up front. A payout link is a secure, branded URL you send to the recipient. They use it to:
- Enter payout details
- Choose how they want to be paid
- Claim the payment
Every payout in Acclaim can include a payout link when recipient input is needed.
How payout links work
Payout links are tied to payouts. When a payout is created:
- A payout link is generated automatically.
- If information is still missing, the link is how the recipient supplies it.
- The recipient completes what is required.
- The payout moves forward once the link flow is complete.
Payout links work whether the payout came from the API, file uploads, or other supported workflows.
Lifecycle and statuses
Payout links follow the payout lifecycle, with extra states when the recipient must provide information.
Key statuses
| Status | Description |
|---|
RequiresPayeeInfo | Recipient identity or profile details are still missing |
RequiresPayoutMethod | Payout method or destination details are still missing |
- Required information is collected.
- The payout leaves the
Requires_ states.
- Execution continues according to the rail and method, assuming all necessary approvals have been met.
Recipient experience
Recipients get the link through the channels your organization enables, for example email, SMS, or WhatsApp (depending on account configuration).
When they open the link, they can typically:
- Enter required personal or business details
- Select a payout method
- Provide banking or wallet information
- Review the payout, including FX estimates when conversion applies
Validation runs in real time so issues are caught before submission.
Security and authentication
You can require authentication before a recipient completes a link. Common options include:
- Email one-time passcode (OTP)
- SMS one-time passcode (OTP)
- Security questions
What applies is determined by your account configuration in the Acclaim Console.
Notifications
Links can be sent automatically when a payout needs recipient input or missing data blocks execution.
Delivery may use email, SMS, WhatsApp, or other configured channels.
After completion
After the payout is initiated or completes, the same link often becomes a tracking experience. Recipients may be able to:
- Track payout status
- View payment details
- Download receipts or remittance advice where available
Exact options depend on product configuration and corridor.
FX and currency handling
If the payout involves currency conversion, recipients usually see estimated exchange rates and amounts in the relevant currencies so expectations are clear before they confirm.
When to use payout links
Payout links work well when:
- You do not have recipient banking details yet.
- Recipients should pick method or destination (for example bank vs wallet).
- You want a low-friction experience without the recipient using your API.
Common use cases
- Insurance claim payments to policyholders
- Provider or vendor payments
- Contractor or marketplace payouts
Align your support team on which channels (email, SMS, and so on) you use for links so recipients know what to expect.
