Withdrawals & Payouts

This section explains how outbound movements work across Merchant Wallets, Account Wallets (custodial), and User Wallets (non-custodial). You’ll learn when to use withdrawals (on-chain transfers to external wallets, custody, liquidity, or payout corridors) versus payouts (off-ramps to SEPA, SWIFT, or supported PSPs/money services). We cover execution modes (Automatic vs Manual), limits and approvals, typical banking timelines, and the records you should maintain for audit. 3PAY provides the infrastructure and controls; your custody model, licensing, and client decisions remain your responsibility under your compliance program.

What this covers

Withdrawals: Moving funds out of a 3PAY wallet to another wallet, custody, liquidity, or a payout corridor.
Payouts (off-ramps): Sending funds to banks (SEPA, SWIFT) or PSPs/money services (e.g., Whish, OMT) for fiat or local-settlement outcomes.

Where this applies

Merchant Wallet (Accepting Payments context)
Account Wallet (custodial treasury in WAAS)
User Wallets (non-custodial WAAS; one wallet per end user)

When to use each flow

Withdrawal → You’re moving assets on-chain (to another wallet you control, to custody/liquidity, or into a payout corridor).
Payout → You’re completing an off-ramp to banking rails (SEPA, SWIFT) or PSPs for local cash-out or settlement.

Start here

Modes: Automatic vs Manual

Define how withdrawals execute, set limits, and decide when approvals are required.

Merchant Wallet Withdrawals

Move sales proceeds out of the Merchant Wallet to other wallets or payout corridors.

Payouts: Banks & PSPs

Off-ramps to SEPA (T+1), SWIFT (T+2), and supported PSPs such as Whish and OMT.