Payins and payouts are mostly manual

• Payouts send money outside of the business, such as bank wires and ACH, paying vendor invoices, creating transaction logs, etc.
• Payins bring money into the business by accepting various payment methods, optimising payment routes and authorisation rates, identifying fraud and failure, allowing for rewards, gift cards, payment splitting, etc.

The payment acceptance methods - credit cards, e-wallets, crypto, gift cards, bank transfers - differ by company and geography and can take months to implement. For payouts, a bank transfer involves a series of manual approvals.