Payments & Bulk Payouts — NoMoMFB

NoMoMFB’s Payments & Bulk Payouts capability is a developer-first, white-label API layer and orchestration engine that lets platforms move money at scale — globally and reliably — while handling routing, compliance, reconciliation and dispute flows for you.

For marketplaces and payroll providers it reduces manual effort, shortens settlement cycles, and centralises reporting and risk controls so customers keep focus on product and retention rather than payments ops.

• Scale with fewer ops: Automate thousands of outgoing payments as one atomic batch rather than manual single transfers.
• Better UX & retention: Same-day / next-day payouts improve satisfaction.
• Single integration, multi-rail: Bank rails, card rails, ACH, Faster Payments, SEPA, SWIFT, wallets.
• Lower fraud & compliance burden: KYB/KYC checks, sanctions screening, automated reconciliation built-in.

Feature set includes:

• Single & bulk payout endpoints (JSON API + CSV upload)
• Async batch creation, status polling, webhooks
• Multi-currency support (GBP-first) & FX rails
• Bank transfer (FPS/Bacs/ACH), card push, SWIFT, local rails
• Partial success handling, per-item retries, idempotency keys
• Smart routing, split payouts, scheduled payroll runs
• KYC/KYB, risk checks, watchlists, manual review queues
• Sandbox environment, SDKs, docs, admin dashboard

1. Onboarding (OAuth2/API keys, KYB)
2. Funding (prefund or ledger-backed)
3. Batch creation (POST /v1/payouts/bulk)
4. Validation & routing
5. Execution & status updates (webhooks)
6. Settlement, reconciliation, exception handling

Sample bulk create request:

POST /v1/payouts/bulk
Authorization: Bearer sk_live_xxx
Idempotency-Key: payroll-20250930-run-01
Content-Type: application/json

{
  "batch_reference": "payrun-2025-09-30-ACME",
  "source_account": "acct_platform_001",
  "currency": "GBP",
  "scheduled_at": "2025-09-30T09:00:00Z",
  "items": [
    {
      "recipient_id": "usr_1001",
      "recipient_name": "Jane Smith",
      "amount": 1250.50,
      "currency": "GBP",
      "method": "faster_payments",
      "metadata": {"employee_id": "E-1001", "pay_type":"salary"}
    }
  ]
}Copy