Custom approval workflows
Build the approval steps your team needs. Set rules by amount or role, choose one approver or two, and a payout only goes out once everyone on it has signed off.
Pay your vendors, via approval workflows or API.
Send ACH transfers and wires to your vendors and contractors in the US. Let AI read the bills, set who approves what, or send payouts from your own software with our API.
Fern & Field Coffee uploads a bill from Bluebird Packaging. AI reads it and fills in the details: bill BP-1107, $2,480.00, due Oct 15. The payout is sent for approval and Dana approves it. Then $2,480.00 goes by ACH from the Operating balance to Bluebird Packaging's US bank account.
Every payout, from bill to bank.
Bills in, payouts out
Drop in a bill and AI reads who to pay, how much and by when. It remembers everyone you've paid before, so the payout is ready for approval.
ACH and wires, from one balance
Pay your vendors and contractors in the US by ACH or wire, all from the same balance.
W-9s and 1099s, taken care of
Add Compliance and Cedar asks each US recipient for a W-9 before their first payout, then files their 1099s at year end.
Fern & Field Coffee pays Sam Okafor, a designer, $1,370.00 by ACH, then five more payouts follow. Sam's vendor page lists all six, $7,340.00 this year, with his email sam@okafor.studio and bank account ending 4417. Cedar emails Sam a W-9 request and the W-9 comes back on file. A 2026 Form 1099-NEC for $7,340.00 in nonemployee compensation is then ready to file.
Every vendor, every payout, every tax form.
- Easy recipient management
- Save a recipient's details once, then pay them again in a few clicks, as often as you need.
- All vendor info in one place
- Every payout, bank detail and tax form for a vendor sits on one page, so you see what you've paid them and when.
- Stay compliant: W-9s and 1099s, automated
- With Compliance, Cedar emails each US vendor for their W-9 and creates their 1099s at year end, ready to file.
Send payouts via API.
Pay vendors and contractors straight from your own software. One call sends a payout from your balance by ACH or wire.
- One call, one payout
- Send the amount, the recipient and the rail. Cedar moves the money.
- Safe to retry
- Repeat a request with the same Idempotency-Key and you get the first payout back, not a second one.
- Follow every payout
- Read a payout back at any time to see where it is, from sent to paid.
curl https://api.usecedar.co/v1/payouts \
-H "Authorization: Bearer $CEDAR_SECRET_KEY" \
-H "Idempotency-Key: invoice-0142" \
-H "Content-Type: application/json" \
-d '{
"amount": 122000,
"currency": "USD",
"rail": "ach",
"recipient": "rcp_5Wn8Lq2x",
"description": "Label design, September"
}'Response
{
"id": "po_3Hx9Tq7m",
"status": "pending",
"amount": 122000,
"currency": "USD",
"rail": "ach",
"recipient": "rcp_5Wn8Lq2x",
"created_at": "2026-09-26T15:04:00Z"
}It's all part of the bigger build.
Start with Payouts, then add the blocks around it as you grow. Every block reads from and writes to one system of record, so money in, money out and your books always agree.
Banking
An interest-bearing account at an FDIC-insured partner bank, where every payout starts.
Accounting
Every transaction posted to your accounting system. Reconciliation made easy.
Payments
Get paid through common payment methods, settling into the balance you pay out from.
Cards and Spend management
Manage employee expenses, corporate cards and reimbursements.
Questions about Payouts.
Anything else? Book a call with us.
What is Payouts?
Payouts sends money from the balance you hold with Cedar to the vendors and contractors you pay.
How is a payout different from settlement?
Settlement is money coming in: your sales, net of fees, landing in your balance. A payout is money going out of that balance to someone you pay.
How can I send money?
By ACH or wire to bank accounts in the US.
Do the people I pay need a Cedar account?
No. A payout goes straight to their own bank account.
Can Cedar collect W-9s and file 1099s?
Yes, with Compliance. Cedar asks each US recipient for a W-9 before their first payout, then files their 1099s at year end.
Can I send payouts from my own software?
Yes. The Payouts API sends a payout from your balance with one call, by ACH or wire.
How do I get Payouts?
Book a call and we'll walk you through Payouts for your business.
Start building.
Book a call and we'll walk you through Payouts for your business.
Prefer email? Write to hello@usecedar.co.