--- title: Top 10 MassPay alternatives for fast and secure global payouts slug: masspay-alternatives excerpt: "Compare the best MassPay alternatives for fast global payouts, including fees, coverage, speed, and how to pick the right mass payout platform for your business." customExcerpt: "Compare the best MassPay alternatives for fast global payouts, including fees, coverage, speed, and how to pick the right mass payout platform for your business." featureImage: "https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/08/blog-masspay.png" status: published publishedAt: "2026-08-11T05:39:54.000Z" updatedAt: "2026-08-11T07:52:00.000Z" createdAt: "2026-08-05T06:00:14.052Z" tags: - { name: "#Payouts", slug: hash-payouts } - { name: Payments, slug: payments } authors: - { name: Liv Carr, slug: oliviacarr } - { name: Keisha Singleton, slug: keisha } --- # Top 10 MassPay alternatives for fast and secure global payouts The best MassPay alternatives include mass payout platforms like Whop, Payoneer, and Tipalti, which can route global payments to users in multiple countries with numerous payment methods to choose from.  Payout quality matters. The content creator market is growing at a CAGR of [22.5%](https://www.globenewswire.com/news-release/2023/12/13/2795442/0/en/Global-Creator-Economy-Market-to-Reach-528-39-Billion-by-2033-at-22-5-CAGR-Coherent-Market-Insights.html), while the gig economy is projected to reach a value of $2,522.37 billion by [2035](https://www.demandsage.com/gig-economy-statistics/). Meanwhile, affiliate marketing is already a $17 billion industry. Between marketplaces, creator networks, insurance companies, [affiliate](https://whop.com/blog/affiliate-marketing-programs/) platforms, and [gig-economy](https://whop.com/blog/gig-economy/) apps; mass payout platforms are seeing massive adoption and growth – but which is right for your needs? This guide will cover the top X alternatives to MassPay, including coverage, fees, speed, and features, so you can make the best choice for your goals. ## 10 of the best MassPay alternatives Before we get into the full list of MassPay alternatives, below is a table to help you quickly compare the top 5 platforms in our list, including pricing, methods, and availability. We'll get into more detail below.
Platform Best for Coverage Payout methods Payout speed
Whop All-in-one API including instant payouts for creators and platforms 187+ countries Local bank, ACH/RTP, wire, crypto & stablecoins, Venmo, Cash App Instant (minutes)
Tipalti Mass Payments Enterprise AP automation + tax compliance 200+ countries 50+ methods: local bank, Global ACH, wire, PayPal, check 0–3 business days
Trolley Like-for-like payouts API (creators, royalties, marketplaces) 210+ countries Local bank, wire, PayPal, Venmo, instant debit, mobile wallets Instant (debit) to 1–3 days
Stripe Global Payouts US/UK platforms and developer experience ~60 countries; US & UK senders only Bank transfer, instant debit push-to-card, stablecoins Instant (debit) to 2–3 days
PayPal Enterprise Payouts Enterprise white-label payouts with PayPal's recipient reach 120+ countries (PayPal), 28 countries forbank transfers Local bank deposit, wire, PayPal, Venmo, prepaid/debit card, check, cash pickup Near-instant (PayPal/Venmo); ~2 days bank, ~5 days wire
Payoneer Payees who already hold Payoneer accounts 190+ countries Payoneer account (instant), local bank, card Minutes (in-network) to 3 days
Nium Real-time enterprise payout infrastructure 190+ countries Bank, push-to-card, wallets, cash pickup, USDC Real-time in 100+ markets
Rapyd Disburse Pay-in + payout + wallets in one API 190+ countries Bank, push-to-card, real-time rails, eWallets, stablecoins Minutes (cards/RTP) to days
Airwallex Low-cost local-rail transfers 200+ regions Local bank, SWIFT, digital wallets Same-day on local rails
Dots Self-serve payouts API for startups 190+ countries ACH/RTP, SEPA, UPI, PIX, M-PESA, PayPal, Venmo, Cash App, USDC/USDT Instant on real-time rails
You'll find the full breakdown including pricing and fees for each alternative below. ### 1. Whop Whop is a complete, end-to-end API for running a business, including global payouts at scale. Pay out affiliates, merchants, workers, creators, influencers in over 241+ territories with every payout method imaginable, including bank deposit, Crypto, Venmo, CashApp and more. ![Video thumbnail](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/08/Whop-Payouts-1_thumb.jpg) [Watch video](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/08/Whop-Payouts-1.mp4) KYC and tax compliance is built in, with automated identity verification and tax form collection so you stay compliant in every territory. Instant payouts are available too, so your users aren't left waiting for withdrawals. > "Whop has been super great in helping us automate all payouts on our referral platform for micro1. The integration was seamless and the team is always available to help with anything that pops up!" > – Ali Ansari, Founder of Micro1 Everyone you pay out (affiliates, sellers, creators) gets a connected account: a dedicated account on your platform that can receive payments, hold a balance, and withdraw funds. Connected accounts work for both businesses and individuals. Once verified, you can automatically route funds as sales come in, or send payouts via the API. Each connected account chooses how and when to withdraw, and you can choose whether your platform or the recipient covers payout fees. Get the technical details for payouts to connected accounts in the documentation linked below. **[Connected account payouts](https://docs.whop.com/manage-your-business/manage-payouts/connected-accounts)** - **Pricing and fees:** Next-day US bank transfers at $2.50, wire at $23, with instant, crypto, and Venmo options priced as a percentage. Fees come out of the recipient's payout unless you choose to cover them. No monthly or SaaS fee. - **Coverage:** 187+ countries, with local bank transfers, crypto and stablecoins, Venmo, and Cash App. - **Best for:** Platforms that want to keep earnings and payouts in one place, with instant payouts built in. ### 2. Tipalti Mass Payments Tipalti Mass Payments offers an API for platforms paying freelancers, creators, streamers, and affiliates. It reaches 200+ countries and territories in 120 currencies, with 50+ payment methods including local bank transfers, wire, and [PayPal](https://whop.com/blog/paypal-for-business/). ![Video thumbnail](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/08/Tipalti-Mass-Payments_thumb.jpg) [Watch video](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/08/Tipalti-Mass-Payments.mp4) Tipalti's biggest strength is tax paperwork: Tipalti collects payee tax forms automatically, prepares the IRS filings on your behalf, and gives payees a branded portal to manage their own details. Everything syncs back to your accounting system automatically. There are trade-offs, though: payments go out in batches on bank timelines rather than instantly, and there are no wallet or crypto payout options. There’s also no self-serve signup, so getting API access starts with a sales call, and getting live typically takes four to six weeks. - **Pricing and fees:** Starts at $249/month plus per-transaction fees; full pricing requires a sales conversation. - **Coverage:** 200+ countries and territories, 120 currencies, 50+ payment methods (bank transfers, wire, and PayPal, but no wallets or crypto). - **Best for:** Mid-size and enterprise companies paying high volumes of contractors or creators, where tax compliance is the priority. ### 3. Trolley ![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/08/Trolley.png) Trolley is an API-first mass payouts platform that's used frequently to pay out music and creator royalties – [Canva](https://whop.com/blog/canva-statistics/), Epic Games, and SoundCloud are among its customers. It reaches 210+ countries and territories in 135 currencies, with payouts via local bank rails, PayPal, [Venmo](https://whop.com/blog/venmo/), instant debit card transfers, mobile wallets in 25+ countries, and even paper checks. Trolley also collects tax forms during recipient onboarding, handles IRS year-end statements and OECD digital-platform reporting, and runs identity verification. Downsides: standard bank payouts still take one to three business days (instant options are limited to debit cards and mobile wallets), there's no crypto or stablecoin option, and the modular pricing adds up. - **Pricing and fees:** Payouts alone cost $2,399/year, with Tax ($2,399/year), identity verification ($1,199/year), and accounting sync ($1,199/year) as add-ons (totals **$**7,895/year + transaction fees). The enterprise tier, Trolley Plus, has no published price and is quote only. - **Coverage:** 210+ countries and territories, 135 currencies, supports bank rails, PayPal, Venmo, instant debit, and mobile wallets. No crypto. - **Best for:** Creator, royalty, and marketplace platforms looking for an API-first payout stack with tax compliance built in. ### 4. Stripe Global Payouts [Stripe](https://whop.com/blog/what-is-stripe/) offer a mass payout solution, Global Payouts. It's a standalone product for platforms that don't use Stripe for payments. Global Payouts allows you to pay vendors, freelancers, and creators from a dashboard or API, and recipients only need an email to get started. ![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/08/Stripe-Global-Payouts.png) Hosted onboarding handles payee bank details and verification, and money arrives in 60+ countries, or 150+ countries if you pay in stablecoins. Stripe's API and docs have a strong reputation among developers, there's a no-code dashboard for one-off payouts, and pricing is simple: around $1.50 for a standard bank transfer arriving in 2 to 3 days, or $1.50 + 0.75% for instant payouts to debit cards. The drawbacks? Global Payouts is only available to US and UK businesses, and has no mobile wallet rails (so no M-Pesa, GCash, or UPI). For businesses already using Stripe for payments, Stripe Connect offers payouts, too. - **Pricing and fees:** About $1.50 per standard bank payout, $1.50 + 0.75% for instant debit card payouts, plus FX conversion costs. - **Coverage:** 60+ countries via Global Payouts (150+ with stablecoins). - **Best for:** US and UK platforms that want best-in-class developer tools and mostly pay recipients in major markets. ### 5. PayPal Enterprise Payouts (formerly Hyperwallet) PayPal Enterprise Payouts (formerly Hyperwallet) is PayPal's enterprise disbursement arm. ![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/08/PayPal-Enterprise-Payouts.png) It sends payouts in 200+ markets and 50+ currencies, with methods including bank accounts, direct-to-debit cards, [PayPal](https://whop.com/blog/paypal-for-business/) and Venmo, prepaid and virtual prepaid cards, checks, and even PYUSD, PayPal's own stablecoin. Entrprise Payouts offers a no-code hosted portal, drop-in UI components for an embedded experience, or a full payout API with batch CSV uploads for manual runs. Trade-offs: it's enterprise-only with no published pricing. Everything is custom negotiated per program, and recipients receive funds into a payout account before withdrawing. That extra step may generate payee complaints. - **Pricing and fees:** No published pricing. Hyperwallet quote only, negotiated per program. - **Coverage:** Bank transfers in 28 currencies, PayPal withdrawals across 120+ countries, up to 9 payout methods. - **Best for:** Enterprise marketplaces whose payees already live on PayPal and Venmo. ### 6. Payoneeer Payoneer offers a mass payout solution for platforms and marketplaces as a closed-loop product: payees sign up with Payoneer and are paid by you via the network. They can then withdraw to their local bank, spend on a Payoneer Mastercard, or hold balances in multiple currencies. Payoneer powers payouts for eBay, [Airbnb](https://whop.com/blog/become-airbnb-host/), Walmart, and Fiverr, with over 5 million customers worldwide, so reliability is strong. Businesses can batch-pay up to 150 payees at once through the dashboard, or automate payments via the API. Marketplaces can also manage seller payouts with identity checks, fraud screening, and tax forms handled. But there are still some sticking points. Sellers need a Payoneer account to receive payouts, which can add friction if they aren't already on the platform. As well as that, fees can start to add up depending on the payee and their location, currency, and choice of payout method. - **Pricing and fees:** Up to 4.0 USD/EUR/GBP per payout to same-country Payoneer accounts, up to 1% + 4.0 USD or equivalent for cross-border payouts, 1% funding via bank. When paying out over $50K/month, pricing moves to a sales conversation. Recipients pay withdrawal and FX fees on their side. - **Coverage:** 190+ countries and territories, 70+ currencies. - **Best for:** Marketplaces and businesses whose sellers and freelancers already hold Payoneer accounts.n ### 7. Nium Nium lets you send money to over 190 countries and make real-time, instant payments in more than 100 countries. ![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/08/Nium.png) Marketplaces and platforms can pay out in 100+ currencies with access to local payment rails and automatic commission splits if needed. Currency conversions are available across 125+ currencies, with the ability to secure FX rates for 24 hours in 60+ currencies, including in emerging markets. Developers integrate via API, while teams without engineers can send single or batch payouts from the portal, no code required. Drawbacks: Enterprise infrastructure where pricing is entirely customized (every path ends at "talk to our experts"). - **Pricing and fees:** No published pricing. Nium is fully quote-based, discussed in a sales conversation. - **Coverage:** 190+ countries, with 100+ real-time corridors; bank accounts, cards, wallets, and cash pickup in select markets. - **Best for:** Banks, fintechs, and large platforms that need real-time payout rails at enterprise scale. ### 8. Rapyd Disburse Disburse is Rapyd's mass payout product, part of their broader fintech suite that offers payments, payouts, and card issuing under one API. Payouts can be sent to 190+ countries in 120+ currencies, with methods such as real-time rails, card payouts, and stablecoins for markets where banking rails are slow. Platforms can send thousands of payouts at once via API, or upload CSV batches through the portal (Rapyd generates country-specific templates during onboarding), and smart routing can pick the fastest or cheapest path per payment.  Built-in FX lets you fund in one currency and pay out in another, with fraud controls and compliance embedded. The main trade-off is that payout pricing is quote-based (the published rate cards cover card acceptance, not disbursements) so modelling your real per-payout costs means a sales conversation before you can compare Rapyd against platforms with published rates. - **Pricing and fees:** No listed payout fees, disbursement pricing is quote-based. - **Coverage:** 190+ countries, 120+ payout currencies, via local rails, RTP networks, cards, and stablecoins. - **Best for: **Platforms that are paying out in hard-to-reach, emerging markets. ### 9. Airwallex Airwallex is a global business account with payout rails for local and SWIFT transfers to bank accounts in 200+ countries and regions. Payouts can be sent across 90+ currencies, with connections to local clearing systems in 120+ countries.  ![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/08/Airwallex.png) It's self-serve and developer-friendly. Non-technical teams can send single or batch payouts straight from the dashboard, while teams with engineering resources can use the API and embedded components (recipient bank detail collection, tax forms with automatic TIN matching, 1099 e-filing) to wire payouts into their product. Platforms can offer branded multi-currency accounts, payouts, FX, and card issuing to their own customers, all running on Airwallex underneath. The trade-offs: There's no ready-made payee portal, so you assemble the recipient experience from its components. There are also no crypto or stablecoin payout rails. - **Pricing and fees:** Free local-rail transfers on standard plans, per-payout fee for SWIFT, FX from 0.5%. Plans vary by country. - **Coverage:** 200+ countries and regions, 90+ currencies; local rails in 120+ countries. No crypto. - **Best for:** Global businesses that want cheap local-rail payouts with accounts and FX in one place. ### 10. Dots ![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/08/Dots.png) Dots is a payouts platform supporting 190+ countries and 300+ payout methods, including ACH, RTP, PayPal, Cash App, stablecoins, gift cards, and more. Payees enter their payment details and complete identity checks through a hosted, white-labelled flow, then track payments on a self-serve portal. You can send payouts by API or CSV, while Dots Payout Links allow you to pay users with just their email address and the amount. The recipient then chooses how to receive their money and provides the required information themselves. The main drawback with Dots is that some capabilities are tier-gated or à la carte: API access, wallets as payout methods and the white-labeled experience require the $999/month plan, with per-item fees for ID verification and 1099 filings on top. - **Pricing and fees:**  'Core' at $19/month (dashboard-based; $2 domestic, 3.9% + $2 international payouts, crypto 3% + $2, international wires $40). 'Scale' is $999/month (adds API access, wallets, and white-label; $1 domestic, 2.9% + $1 international, crypto 2%, international wires $30). Instant payouts are free on both; 1099 filings run $3.50–5 plus $1 mailing, ID verification $3–5. - **Coverage:** 190+ countries across 300+ payout rails: bank, wallets, stablecoins, gift cards, and cash pickup in select markets. - **Best for:** Startups and small platforms happy to run payments from a dashboard – cheap to start, with onboarding and 1099s handled for you. ## How to choose a mass payouts provider Choosing a mass payouts provider is easy when you know what to look out for. For most marketplaces and platforms, the choice comes down to the following factors: ### Scope of service If your platform also collects revenue (sales, [memberships](https://whop.com/blog/sell-memberships-online/), marketplace fees) a combined commerce-and-payouts stack means one vendor and one integration. Whop is a complete end-to-end API for running a business – including payments, payouts, [business cards](https://whop.com/blog/watch/cards/), and [ads](https://whop.com/blog/watch/whop-ads-launch/). ### Coverage Every vendor claims they reach a certain number countries; the difference is *how* each country is reached. Direct local rails are fast and cheap. Coverage via SWIFT, partner networks, or gift cards is still coverage, but tends to work out to be slower, pricier, or less useful to your payees. That's why [crypto payments](https://whop.com/blog/accept-crypto-payments/) are growing in popularity, especially handy for countries where traditional banking rails are unreliable or slow. ### Published pricing or custom via a sales call Only some platforms on this list publish their payout fees. If you can't model your per-payout cost before a demo, you can't compare. Quote-based pricing tends to drift at renewal. ### Tax scope Tax compliance can mean anything from collecting a W-9 to e-filing 1099s to handling international taxes. Pin down which forms are collected, what actually gets filed, in which countries, and at what per-form cost. And remember payee forms are only half the tax picture: if you're selling as well as paying out, sales tax and VAT are your problem too. Platforms like Whop can file and remit taxes for you, whereas a pure payouts API cannot. ### Who pays the fees per payout Some platforms charge you, some deduct from the recipient, some let you choose. And the sticker fee is rarely the real cost, because FX markup is typically where cross-border payouts get expensive. Ask for the all-in cost of one payout to your most common corridor. ### Payee experience Does the platform host recipient onboarding (bank details, identity verification, tax forms) or do you build it? Hosted portals get you live fast; build-your-own components give you control but cost engineering time. The best options give you both: a hosted flow that works from day one, with an API underneath when you want payouts embedded in your own product. ## Run your entire business, including mass payouts, with Whop If you're looking for an alternative to MassPay, Whop can help you with global mass payouts as well as everything else needed to run your business, including payments, ads and distribution, tax filings via the [Whop Tax Service](https://whop.com/blog/whop-tax-service/), business cards, and more. Payouts on Whop are 100% free to use with no monthly or sign up fees, you just pay a fee per transaction – which can be passed to users if you wish. Cross border payouts via 100+ local payment methods, crypto, Cash App, PayPal, [Venmo](https://whop.com/blog/venmo/), and more are all covered. Payees can access funds instantly, and automated identity verification and tax form collection means you stay compliant in every territory. > "It's been great working with the Whop team so far, we're using Whop for all payouts and it's been extremely smooth sailing, and their team has instant responses for help on literally anything!" > – Dris Elamri, Founder of Instinct If you're looking for a mass payouts solution that fits your business, check out Whop. **[Payouts with Whop](https://whop.com/network/products/payouts/)**