Digital Disbursements

Most financial institutions, businesses and government entities need to send payments to customers or business partners. The process of sending these payments can be expensive, paper-intensive and time-consuming.


More than 3.5 billion
B2C payments are made every year

$10.7 trillion
   B2C payments volume
moved last year

Source: Aite Group and Ingo Money survey of 2,538 U.S. consumers in Q2 2018

For B2C payments, consumers want digital payments

Checks are magnets for fraud. Plus the average cost of processing a check is $5.91

of millennials prefer an electronic payment over check

of respondents prefer disbursements via Push-to-Card or ACH instead of paper check 

of U.S. consumers received funds disbursements via direct deposit in 2018


[1] 2017 survey results
[2] Visa Digital Disbursements Consumer Preferences Survey, 2017
[3] Aite Group and Ingo Money survey of 2,538 U.S. consumers in Q2 2018

Sending payments just got easier with Digital Disbursements

Digital Disbursements from Fiserv enables you to send mass payouts, rebates, refunds and more via a simple, secure process that needs only basic information from payees. Payments can be settled into recipient accounts in near real-time instead of days. 

How? You follow your established business processes for approving payments, and when payments are ready to be sent, you use an application programming interface (API) to send them. This gives you the flexibility to send your payees to a secure payee portal site where they can easily provide account information and collect their funds using their preferred payment method.

DailyPay Provides Access to Earned Wages

How it works How it works

Digital Disbursements offers numerous benefits


Our payee portal makes it easy for consumers to receive payouts

The payee portal, a feature of Digital Disbursements, makes it easy to send consumer payments and associated documentation such as insurance claim payments, rebates and refunds. Using the payee portal, you can direct payees to a secure site where they can provide account information and collect their funds using their preferred payment method.

View the Payee Portal fact sheet >

Everything you need to get up and running with our API

Whether you’re developing solutions for retail, wealth management, or financial services, creating a custom user experience tailored to your target market and customers is crucial. With Digital Disbursements implementation is easy, thanks to a robust set of developer tools that include payment and reconciliation reports available through a web-based tool, via API or via batch files for easy electronic tracking and reconciliation.

Switching to digital B2C payments benefits a wide variety of industries and use cases, including


Insurance claim payments


Merchant rebates/refunds


Payment to sellers in online marketplaces


Payment to freelancers and gig workers

Working with Fiserv also means benefitting from our vast
payments expertise


Last year alone,
we moved more than
$75 trillion
in digital payments

* #1 U.S. ACH payment provider
* #1 U.S. bill payment and presentment provider


* - based on global volume

of financial institutions and
of businesses of all sizes
across the world
trust Fiserv to move money
safely and efficiently

* #1 global issuer processor
* #1 global merchant acquirer

* - based on global volume


Digital Disbursements:
meet the team

Meet a few of the Digital Disbursements
team members and learn what makes us so
passionate about this market.



Hear what our clients
are saying

Hear from our clients about what they value in
a partnership and why the chose Fiserv for
processing their digital payments.



Create the B2C payments experience your business needs - and your customers expect - with Digital Disbursements

Want to learn more about Digital Disbursements?
Call us at 800-872-7882 or contact us.

Thank you for your interest

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