Cashflows, the platform that makes it easy for businesses to accept payments has joined forces with fumopay, the provider of open banking payment and account initiation solutions, to launch a payout solution for merchants.
The partnership will enable businesses to send real-time payments using account-to-account payment technology. In collaboration with fumopay, the solution allows merchants to issue payouts instantly via open banking rails, providing a faster and more secure way to deliver funds directly to destination accounts.
The solution supports merchants across sectors where timely and reliable disbursement is essential, including payroll providers managing salary and contractor payments, insurance firms issuing claims and settlements, and e-commerce businesses processing refunds and returns. It also serves brokers, independent software vendors embedding payout functionality within their platforms, and operators in regulated skill-based gaming environments where rapid prize distribution strengthens user engagement and trust.
The collaboration represents an important step forward as payment expectations continue to evolve. Individuals and businesses increasingly expect funds owed to them to be delivered without delay, making speed, transparency and reliability critical components of the customer experience.
The partnership aims to enhance customer experience, strengthen fraud prevention and give merchants greater operational control over payouts. Through a dedicated merchant portal, businesses can initiate and manage real-time payments while maintaining full visibility through integrated reporting and transaction monitoring. For organisations requiring deeper integration, API connectivity enables automated payouts embedded directly within existing workflows and platforms.
Merchants benefit from extensive control across both execution and risk management. Users can configure payout thresholds, apply validation rules and leverage account and identity verification to ensure funds are routed accurately and securely. This layered approach mitigates fraud exposure while supporting regulatory compliance and operational confidence. Centralised oversight also improves transparency and accountability throughout the payout lifecycle.
Hannah Fitzsimons, CEO of Cashflows, commented: “Historically, payout processes have often relied on manual handling, creating inefficiencies and potential exposure to error or fraud. This partnership seeks to modernise that model by introducing enhanced validation and structured governance, supported by account verification, traceability and secure payment initiation. The result is a more dependable framework that prioritises trust, security and auditability while reducing operational burden.”
Kevin Ludford, fumopay’s Founder, said: “This collaboration reflects our shared focus on advancing account-to-account payment capabilities. Combining our technology with Cashflow’s merchant reach allows us to deliver a solution that supports automation, improves security and helps businesses scale payout operations with confidence.”
