PROVIDERS
Third Party Service Providers
Last revised: Feb 02, 2025
Payouts uses certain sub-processors, third party payment service providers and supporting financial providers, all to assist it in providing the services as described in the Terms of Service and/or the applicable Order Form.
Payouts is a processor of personal data submitted by Customers, or in certain cases, an independent controller (for example when it comes to transaction information, KYC, etc.). Payouts turns delegate some aspects of processing to another processor, or independent controller, a third party: this is termed a sub-processor or sub-processor or (as defined in the Terms of Service) a PSP or Third Party Service Providers which provide the financial services or supporting services.
Payouts engages different types of subcontractors to perform various functions as explained in the table below. Third party technical providers, which do not process data not do they provide a specific feature are not listed here (for example, third party source code, API, or other technical licenses or code).
To clarify, the table below lists three categories of sub-contractors:
- 1) Payment Service Provider (“PSP”) which provides the financial services, such as Airwallex listed below.
- 2) Third Party Service Providers which provide supporting financial services, for example, Abound that provides W8 forms and Avalara tool which provides tax calculation, both listed below.
- 3) Sub-contractor or sub-processor which is not a PSP or a Third Party Service Provider, which enables certain features in the platform such as Workato that does API data calls, or AWS that hosts the data, and Intercom for ticketing and support, etc.
- A sub-contractor is engaged by Payouts which has or potentially will have access to such personal data, therefore, there are also governed by the Payouts Data Processing Agreement, as detailed therein.
- Payouts undertakes to use a commercially reasonable selection process by which it evaluates the security, privacy and confidentiality practices of proposed subcontractors as well as financial licenses if applicable. Payouts has executed applicable agreements with each of the third parties listed below, however, in certain cases, the Customer will separately be required to agree and be bound by such providers’ terms, as detailed below.
| Subcontractor | Processing Activities |
| Abound | Supporting financial tool; API solution that helps businesses securely collect W-9/W-8BEN data, verify TINs, and file 1099 forms for tax compliance. |
| Plaid | Supporting financial tool; bank account verification and financial data connectivity used by fintech apps. |
| Workato | Enterprise automation and integration platform connecting apps via API data calls and workflow automation. |
| Avalara Inc. | Supporting financial tool; tax compliance and calculation software that automates sales tax, 1099 filings, and other tax-related tasks. |
| Visa | Global payment technology provider; facilitates secure electronic funds transfer, card processing, and payment solutions. |
| Paybis | PSP; cryptocurrency exchange and digital currency payment service. |
| Bridge | PSP; crypto payment service provider offering digital currency-related payment solutions. |
| Airwallex | PSP; global payments platform enabling international transactions with streamlined foreign exchange and payment processing. |
| Hubspot | CRM; comprehensive customer relationship management platform for marketing, sales, and customer service activities. |
| Intercom | Support; customer messaging and support platform for real-time communication and engagement. |
| Amazon Web Services | Cloud hosting and infrastructure services for secure data storage, computing, and application hosting. |
| Auth0 | User authentication and identity management for secure access control and login processes. |
| Twilio | Cloud communications platform enabling messaging, voice, and video interactions for enhanced customer engagement and support. |
| Checkbook | Digital payments platform that enables fast, secure payments via digital checks, push-to-debit, and virtual cards—no recipient account needed. |
| Cross River Bank | Sponsor bank / BaaS provider; card program sponsorship, ACH/wire settlement, and related compliance/oversight for payment processing. |
| Mastercard | Global card network; facilitates card authorization, clearing, and settlement, and provides tokenization and fraud-prevention services. |
| Sutton Bank | Issuing/sponsor bank; supports debit/prepaid programs, ACH/wire settlement, and program compliance oversight. |
| Marqeta | Issuer processor; card issuing and processing with real-time spend controls, tokenization, and dispute handling. |
| Evolve Bank & Trust | Sponsor bank / BaaS; ACH/wire settlement, FBO/pooled accounts, and card program sponsorship with compliance oversight. |
| Adyen | PSP; global acquiring, card processing, alternative payment methods, risk management, and payout orchestration. |
| Currencycloud | Cross-border payments and FX; collections, conversions, and international payouts with account validation. |
| JPMorgan Chase Bank | Bank / acquirer and treasury services; merchant acquiring and card processing, ACH/wire settlement, cross-border payments, and cash management services. |
| Modern Treasury | Payments operations platform; payment initiation, reconciliation, virtual accounts/ledgers, and approvals workflow via APIs. |
