Instant Payouts

Eligibility, fees, supported banks, and troubleshooting for Instant Payouts.

Instant Payouts let you move instant-available funds to your connected bank account within 30 minutes when you are eligible, instead of waiting for the next scheduled payout. Newie runs this through Stripe’s payout infrastructure.

Eligible Payment Methods

Instant Payouts only cover funds from payment methods Stripe categorises as instant-available. Not every payment Newie supports is eligible.

Payment Method	Instant Payout Eligibility	Notes
Card (Visa, Mastercard, Amex, Apple Pay)	Eligible	Funds become instant-available as soon as the charge is complete, even before standard clearing finishes.
BECS Direct Debit (AU)	Eligible after settlement	Funds need to settle first (usually up to 3 business days) before they’re added to the instant-available balance.
BNPL: Afterpay/Clearpay, Affirm, Klarna	Not eligible	BNPL payout timing is standard only. BNPL-funded balances follow your normal scheduled payout, even though you are funded upfront for the purchase amount, less applicable fees.

If recent sales are largely BNPL, the instant payout amount may be lower than the cleared balance, or Payout Now may not be able to complete a payout. That is expected: BNPL funds release through your next scheduled standard payout.

Eligibility

In Newie, Instant Payouts become available 30 days after your first standard payout has been processed, provided the other eligibility checks are also met. Until then, Payout Now may be visible, but you will not be able to take an instant payout, even if the bank supports it.

There is nothing to enable manually. Once both of the following are true, Payout Now can complete an Instant Payout when funds are instant-available:

• 30 days have passed since your first standard payout was processed
• Your bank supports Instant Payouts (Newie’s supported-banks list is provided by Stripe - see Supported Banks below)

Eligibility cannot be expedited. You must wait for the 30-day window to complete.

Stripe also applies daily limits on Instant Payouts: a maximum of 10 Instant Payouts per day and a per-account daily volume cap (set by Stripe, varies by account). If you hit either limit, Payout Now cannot complete another instant payout until the next daily reset.

Fee

Instant Payouts cost 1.5% of the amount you choose to pay out. Enter the amount you want sent to your bank, and Newie adds the 1.5% fee on top. For example, if you enter $100, Newie debits $101.50 from the instant-available balance: $100 for the payout plus a $1.50 fee. Standard daily, weekly, and monthly payouts remain free.

For most businesses, Instant Payouts are best for occasional urgent transfers. Using them as the regular schedule adds up; scheduled daily, weekly, or monthly payouts are usually the better default.

Supported Banks

Stripe maintains the supported bank list for Instant Payouts. Newie does not maintain a separate list.

Check the current list on Stripe: Stripe’s Instant Payouts supported banks

If your bank is not on Stripe’s list, Payout Now cannot complete an instant payout to that bank. The options are to switch to a supported bank or use standard scheduled payouts.

How to Take an Instant Payout

1. Open Payouts

   Open Newie → Payouts.

2. Tap Payout Now

   Tap Payout Now.

3. Enter the payout amount

   If you are eligible and funds are instant available, enter the payout amount and review the 1.5% fee added on top.

4. Send the payout

   Tap Pay Out to send the funds.

Funds typically arrive at the connected bank within 30 minutes, subject to the receiving bank’s own processing.

Why Payout Now Doesn’t Complete

Common reasons Payout Now is visible but an instant payout cannot be completed:

• Fewer than 30 days have passed since the first standard payout was processed
• Your bank is not on Stripe’s supported-banks list
• No funds are yet marked as instant-available, or there is not enough instant-available balance to cover the payout amount plus the 1.5% fee
• Recent sales are funded by BNPL (Afterpay/Clearpay, Affirm, Klarna). BNPL transactions aren’t eligible for Instant Payouts and don’t contribute to the instant-available amount.
• The Newie app isn’t on the latest version - update and re-check

If none of these apply, contact support with your business name, region, bank, and the date of your first standard payout.

Region Availability

Newie offers Instant Payouts where Stripe supports them. Countries, currencies, and supported banks are determined by Stripe. If the region and bank are eligible, Payout Now can complete an instant payout after the 30-day window, as long as funds are instant-available and no Stripe limits apply.

Important: Availability should not be promised based on country alone. Instant Payouts depend on the 30-day post-first-payout requirement, Stripe-supported bank, eligible currency, Stripe marking funds as instant available, available instant funds, and Stripe daily limits. If your bank is not on Stripe’s list, there is no Newie-side workaround; use standard scheduled payouts instead.

Last updated: 2026-05-30