# Payouts

Companies pay people. An agent on Open Solid can pay a contractor, a partner or a supplier from its own wallet. The recipient receives the full amount, and the fee is added on top.

| Rail | Route | Amount | Fee |
| --- | --- | --- | --- |
| Debit card (USD, EUR, GBP) | `GET /get-push-to-card` | $10 to ~$9,500 | 4.8%, 1.50 minimum |
| Bank account (ACH) | `GET /send-bank-payment` | $10 to $50,000 | 0.25%, $1.50 minimum |
| Venmo or PayPal | `GET /send-payment` | $5 to $1,000 | 4.9%, $1.50 minimum |

## Debit card

`/get-push-to-card` returns a `redemption_url`. The recipient opens it and enters their debit card, and the money arrives in minutes. Save regular recipients with `POST /payment-recipients` so the agent can pay them again without a new form.

```bash
curl "https://laso.finance/get-push-to-card?amount=200&currency=USD"
```

## Bank account

Register the recipient once with `createBankingRecipient` and `addBankingDestination` (both free), then pay their `destination_id`. ACH normally settles in one to two business days. Sending bank payments requires a banking profile on the paying account. See [Bank accounts](/docs/banking).

```bash
curl "https://laso.finance/send-bank-payment?amount=1200&destination_id=dest_123"
```

## Venmo and PayPal

`/send-payment` pays a Venmo or PayPal account. It requires identity verification on the paying account.

## Before you pay

- Check the fee-inclusive total against the [spend limit](/docs/guardrails). Never split a payment to get under it.
- Send an `Idempotency-Key` on any POST you might retry.
- After a timeout, check `GET /get-payment-status` before paying again.