The world of payouts has changed.
As the digital economy expands, powered by creators, freelancers, and suppliers all over the world, payouts have evolved from a simple transaction into a strategic growth lever.
What was once just a costly back-office function now sits at the center of how companies build trust, scale globally, and compete for loyalty and talent. And yet, most in the FinTech industry haven’t caught up.
Traditional payout platforms are still built around the transaction, focused on throughput, not experience. Venture capital keeps chasing the same rails, betting on who can move money faster or cheaper. But payouts aren’t just a means to an end. They’re an integral part of the relationship between businesses and the people powering them.
The real opportunity isn’t in the payment itself; it’s in everything that happens around it and the people being paid.
That’s why Trolley is rethinking what payouts can be, and why we’re redefining how businesses connect with the people behind every transaction.
What we cover
From mass payments to optimized payout and recipient operations
Trolley’s evolution has always been about solving bigger problems for our customers.
What began as a better way to pay people has grown into a platform that unites payouts, taxes, IDV, risk management, and compliance in a single, integrated system.
By bringing these once-siloed functions together, we’ve helped companies reduce overall workloads, improve trust with their recipients, and accelerate growth. Today, Trolley processes billions of dollars in payouts each year to more than five million recipients across 210 countries and territories.
As the digital economy grows, the demands on payout systems have become far more complex than many ever imagined. Businesses growing at exponential levels need to move away from manual processes and disconnected tools toward scalable, unified solutions that give them control and confidence. This evolution defines the core of what we’re building at Trolley: the backbone of your PayoutOps and RecipientOps processes.
The PayoutOps mindset reimagines how finance, product, and operations teams manage global payouts. It optimizes the entire lifecycle, from automation and reconciliation to real-time visibility and compliance, reducing friction, consolidating tools, and turning operational efficiency into a competitive advantage.
Likewise, RecipientOps-minded teams recognize that every payout starts and ends with a person. By unifying onboarding, ID verification, tax, and compliance into a single, transparent experience, businesses simplify recipient management, strengthen fraud prevention, and make compliance easier. For recipients, this creates a better experience and strengthens trust and transparency with their payer.
Together, these ideas represent a new philosophy: payouts not as a cost center, but as a core growth function.
While most platforms stop at the transaction, Trolley builds systems that surround it—workflows, data, and trust infrastructure to make every payment meaningful.
Raising the bar for global payouts
With this release, we’re extending our platform in ways that connect every part of your operations. Each new capability builds on the foundation of PayoutOps and RecipientOps mindsets, creating an ecosystem where payouts work better for you and your recipients.
Funding your Trolley account from credit card processors
Managing the movement of funds from payment processors to payout providers has always been a complex step in the payment flow. Trolley now makes it possible to fund your Trolley balance directly from your merchant acquirers and credit card processors, removing the need to manually transfer money through your bank account.
This means faster settlements, better cash flow visibility, and quicker payments to your suppliers, sellers, and contractors. Currently available for domestic US-based customers, with international support coming in 2026.
FDIC-insured accounts for US-based customers
Trust and security are central to every payout. Starting this month, all US customers on our new bank partner setup will have their balances (up to USD 250,000) insured by FDIC.
These deposits, held at Cross River Bank (Member FDIC), ensure that your funds are protected with the same safeguards as traditional banks while retaining the flexibility of a modern, tech-first platform.
Invoice ingestion: Automating the path from invoice to payout
Trolley’s new invoice ingestion feature streamlines one of the most time-consuming parts of the payout process: turning incoming invoices into ready-to-pay records.
With this release, customers can automatically process recipient-generated invoices received via email or Slack.
Trolley’s AI-powered data extraction identifies key details, matches them with existing recipients, and generates draft payments within minutes—all while maintaining your existing approval workflows and audit trails. The result is faster processing, fewer manual errors, and greater visibility into your payables.
Building a global recipient profile
Verification isn’t just about checking a box—it’s about trust.
Trolley’s new recipient profile framework takes verification further, connecting regional providers around the world into a single, unified system.
When a recipient joins your platform, they’re automatically routed to the best verification provider for their location, ensuring global coverage with a consistent experience. The new identity layer enables capabilities like profile matching, age verification, and geo-gating, helping you comply with regulations, prevent fraud, and protect your platform from bad actors.
Fraud detection and trust management
Fraud undermines confidence in every marketplace.
Our new fraud detection tools help platforms identify and block bad actors early. By tracking suspicious behavior across multiple attributes—rather than single accounts—Trolley helps teams stop fraud rings and repeat offenders before they can act.
Our guard blocklist has already helped customers identify over $12.5 million in fraudulent payouts. With these new capabilities, you can protect your platform’s integrity while ensuring that legitimate recipients get paid quickly and securely.
Building for tomorrow’s operations
This release marks the next step in our mission to simplify global payouts and strengthen recipient relationships.
Together, these updates will make it easier for your business to scale with confidence, protect your platform, and deliver the trust and transparency recipients expect.
Got questions about these features, or what’s next at Trolley in general?
We’ll be hosting a live office hours event on November 13, where our product team will demo new features, share what’s next across payouts and recipient operations, and answer your questions in a live Q&A. You won’t want to miss it—reserve your spot!
