Payroll
Salaries & contractor pay
Release hundreds of lines after dual control with full traceability.
Bulk Payments
Pay multiple recipients in bulk with one controlled release.
Upload a file or push a JSON batch over the API, then route it through maker–checker approvals before any money moves. Track every line to authorised, rejected, or failed with references your ERP can match — ideal when cards are too costly or the wrong instrument for B2B, payroll, or marketplace settlements.
Operations
Approval workflows your finance team expects.
Segregate maker and checker roles, enforce amount thresholds, and retain an immutable audit trail per batch and per line. Retries and partial successes surface cleanly so treasury does not lose afternoons in bank portals.
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Rails
SEPA and domestic schemes where available.
StixBNK orchestrates initiation so each payment carries a unique end-to-end reference compatible with accounting exports. Combine recurring, scheduled, and ad-hoc batches while keeping idempotency keys for safe API replays.
Integration guideUse cases
Bulk fits these payout profiles
Marketplaces
Seller settlements
Match each payout to orders and fees with stable references.
B2B
Suppliers & expenses
Replace expensive card-out schemes where A2A is accepted.
Public sector
Grants & benefits
Batch disbursements with audit-friendly exports.
Benefits
Scale payouts safely
Cost control
Replace high card disbursement fees where A2A is accepted.
Transparency
Per-item status and references for finance and support teams.
API + file
Choose programmatic batches or secure uploads.
Faster cycles
Cut manual bank portals out of the critical path.
Risk hooks
Hook screening and velocity checks before release.
Multi-entity
Support several legal entities and IBANs from one project.