One provider covers 80% of your countries, not 100%
Your primary provider handles EUR and GBP well. But PHP payouts fail every other week and BRL payouts take 5 days.
Routing
Keep global payouts moving when corridors change
Your batch pays contractors in 14 countries. A provider goes down in the Philippines. Gruv reroutes those payouts through a backup path. The other 13 countries settle on time.
Corridor validationProvider fallbackDelivery evidence
馃嚭馃嚫North America
ACH 路 RTP 路 Wire
馃嚜馃嚭Europe
SEPA 路 Faster
馃嚙馃嚪LATAM
Pix 路 SPEI 路 Local
馃嚫馃嚞Asia-Pacific
NPP 路 FPS 路 IMPS
馃嚘馃嚜MENA
IPS 路 Local rails
馃嚢馃嚜Africa
M-Pesa 路 Mobile
Multi-country routes
Where global payout routing breaks
You discover bad details after funds are in flight
The IBAN was valid but the account is closed. You find out three days later when the bank returns the funds.
Recovering a failed payout takes longer than sending it
The payout bounced in India. Your ops lead spends 45 minutes tracing the provider reference, contacting support, and re-submitting manually.
Support cannot explain where the money is
A contractor asks "where is my payout?" Your support rep checks the bank portal, the spreadsheet, and Slack before finding the answer.
Corridor Routing
Corridor routing with recoverable failures
Validate payee details per country before release. Route local-currency first. Fall back to a second provider when the primary degrades. Track every status change.
Pre-release validation per country
Check IBAN format for Europe, CLABE for Mexico, BSB for Australia. Catch bad details before funds leave.
Local currency delivery first
Route through the fastest local-currency path. Fall back to cross-border when the destination requires it.
Multi-provider redundancy
Two providers for your top corridors. If one degrades in the Philippines, the backup picks up the batch.
Real-time delivery status
Processing, delivered, returned, or failed. Each status includes the reason code and provider reference.
One-click retry and reroute
Retry a failed payout or switch providers. Safe-retry handling prevents duplicate payments.
Settlement references for finance
Route, provider ID, and settlement timestamps persist for reconciliation in NetSuite or Xero.
Capabilities
What corridor delivery requires
Live route map
See which provider is active in each country, which backup path is available, and what the cutoff window looks like. Operators spot degraded corridors before the batch runs. Finance keeps provider and settlement references for reconciliation.
Local currency first
Settle in the payee's local currency through the fastest path. Cross-border kicks in only when needed.
Backup providers
A second provider stands ready for your top corridors. One provider outage does not stall the cycle.
Delivery trail
Corridor, provider reference, status changes, return reasons, and settlement timestamps. All searchable.
How it works
From validated route to recoverable delivery
How delivery differs by corridor
Each region has its own account formats, banking holidays, settlement speeds, and return behaviors. One routing engine handles all of them.
APAC
Asia-Pacific corridors
Pay in AUD, INR, PHP, SGD, and JPY with per-country account validation and banking-holiday awareness.
EMEA
Europe and Middle East corridors
Settle in EUR, GBP, CHF, and AED through the fastest local-currency path. Cross-border routing for markets without local coverage.
LATAM
Latin America corridors
Pay in BRL, MXN, ARS, and COP. Local account identifiers, wallet options, and country-specific invoice requirements vary by market.
Africa
Sub-Saharan Africa corridors
Reach payees in KES, NGN, GHS, and ZAR through mobile wallet and bank routes where coverage supports it.
NA
North American corridors
Settle in USD and CAD with same-day, next-day, and high-value transfer options based on amount and urgency.
More in Mass Payouts
Related capabilities on the same workflow
Security
Gruv surfaces payee screening, flags anomalies, and holds suspicious payout instructions for review before your batch pr
Overview
Gruv imports payout batches from your ERP, validates every row, processes async, and exports results your finance team c
Triage
Gruv gives finance, support, and ops one workspace to review payout batches, assign exceptions, and trace every disburse
Frequently Asked Questions
Do all countries support the same payout methods?+
No. Account formats, settlement speeds, currencies, and compliance requirements vary by country. Gruv makes those differences visible before your batch releases.
What happens when a payout fails in one country?+
The failed item surfaces with a status, reason code, and provider reference. Ops corrects the detail, retries, or reroutes through a backup provider.
Can we launch in three countries and expand later?+
Yes. Most teams start with their highest-volume corridors or the countries generating the most support tickets, then add coverage as routing proves out.
How do retries avoid paying someone twice?+
Safe-retry handling and explicit provider references ensure a retry continues the original payout, not a second disbursement.
What does Gruv AI do across these features?+
Gruv AI automates payout routing, compliance gates, exception triage, and the Ask Gruv AI workspace. Every feature shares the same AI layer, so rules, holds, and reconciliation stay consistent.
Can I start with one feature and add more later?+
Yes. Gruv is modular. Start with one workflow and expand to additional modules as your needs grow.
How do I connect Gruv to our existing systems?+
Connect through APIs and webhooks, or start with file imports and exports for a fast evaluation. Email ingestion works for lightweight backfills.
What determines coverage, methods, and timelines?+
Coverage, methods, and timelines vary by market and are subject to compliance and policy checks. Confirm your target corridors and payout methods during evaluation.
Is this tax or legal advice?+
No. Tax and compliance features vary by jurisdiction and customer configuration. This content is for informational purposes and is not tax or legal advice.
Review your highest-risk payout corridors
Your batch pays contractors in 14 countries. A provider goes down in the Philippines. Gruv reroutes those payouts through a backup path. The other 13 countries settle on time.
Many teams start with a narrow launch in weeks.