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Use cases: Marketplaces & creator payouts

Earnings your users can spend right away

Pay sellers, pros and players onto a card in your brand the moment they earn, instead of making them wait for a bank transfer, through one API.

Schedule an intro call Read the API reference

Payday shouldn't wait for a bank transfer

Sellers on live marketplaces, stylists and therapists on booking apps and players earning on reward apps do the work in your product, then wait to get paid. Payouts usually go out in batches to a bank account or a third-party wallet, days later and often with a fee, and the earnings leave your platform as they go.

Moon lets you run your own Visa card program for payouts, in your brand and through one API. Give each earner a virtual card when they sign up and load it the moment a sale settles, an appointment is paid or a reward is redeemed. They spend it in stores and online straight away, and physical cards follow where your program enables them.

Each card carries your earner ID and the payout reference, so every load maps back to the right sale, booking or reward. Webhooks report each purchase as it happens, and with real-time authorization enabled for your program, purchases can be checked against the earner's balance in your own ledger, so the money stays with you until it's spent.

How the money moves

  1. Card issued at sign-upseller_3391 · day one
  2. Sale settles onto the cardOrder #20418 · $86.40
  3. Seller spendsShipping supplies · $23.10
See the API call
curl --request POST \
     --url https://api.themooncard.com/v1/api-gateway/card/8f1c611d-098d-4f61-b106-f7b6d344b1ae \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-api-key: YOUR_API_KEY' \
     --data '{
        "external_id": "seller_3391",
        "amount": 86.40,
        "metadata": { "payout": "order_20418" }
      }'

What your card program can do

  1. 01

    Instant payouts for sellers

    Load a seller's card the moment an order settles, so the money from a sale is spendable the same day instead of after the next payout run.

  2. 02

    Same-day pay for beauty and wellness pros

    Pay stylists, barbers and therapists for each booking onto a card in your brand, and let them pay for supplies or rent from it between appointments.

  3. 03

    Rewards players can spend anywhere

    Let players redeem points onto a card they can spend wherever Visa is accepted, in stores and online.

  4. 04

    Gift cards at major brands

    Let earners take a payout or reward as a gift card at a major brand, with discounts of up to 10%, so every dollar or point goes further.

  5. 05

    Business spend for sellers

    Give sellers a separate card for shipping, packaging or inventory, with its own monthly limit and the merchant categories you choose.

  6. 06

    Payouts for earners abroad

    Pay sellers and creators outside the US onto a card in your brand where your program launches, without a cross-border bank transfer for every payout.

Why marketplaces and creator platforms build on Moon

  • Paid the moment they earn

    A payout is on the earner's card as soon as your system adds the funds. There's no payout run or bank transfer to wait for.

  • Your brand in their wallet

    Earners carry a card in your brand and manage it inside your app. You set cardholder fees, and they can be zero.

  • Earnings stay on your platform

    With real-time authorization enabled for your program, each purchase is checked against the earner's balance in your own ledger, so the money stays with you until it's spent.

  • Answers for ops and support

    Webhooks report every load, purchase and decline with its reason. Card and load requests accept an idempotency key, so a retry never pays twice, and daily reconciliation files tie each payout to your books.

How it works

  1. Connect

    Integrate the Moon API, or start with our team on a pilot.

  2. Issue

    Create cards and send payouts from your own product.

  3. Control

    Set limits per card and see every transaction.

Questions

Do we have to replace our current payout methods?
No. Moon runs beside them. Bank transfers and your current payout providers keep working, and the card is one more option an earner can choose, created and loaded by API from the same payout step.
How fast is a payout?
As fast as your system adds the funds. Loading a card is one API call that draws from your prepaid balance, and the amount is ready to spend once the call succeeds.
Do earners need to verify their identity?
If your program requires it, yes. Moon gives you a hosted identity verification (KYC) link to send each cardholder, and a webhook tells you when their status changes. Their card is issued as soon as they're approved.
Where can we launch, and which licenses do we need?
Card programs can launch for earners in the US, Latin America and Southeast Asia. Tell us where your sellers, pros and players are based, and we'll plan which groups to launch first. Cards are issued by Moon's partner financial institutions under their licenses, so you don't need a card-issuing license of your own; you keep any licenses your marketplace already needs to pay its sellers.
How are payouts funded?
From your prepaid balance with Moon, which you fund by bank transfer. Each card you create or load draws its amount from that balance, and if the balance falls short the request is refused and nothing is debited. A webhook tells you when new funds arrive.
Can we start with a pilot?
Yes. Offer the card to one group of earners first, such as your top sellers, see how they use their payouts, then open it to everyone. Before any real money moves, the Sandbox runs the same endpoints as production with its own keys: issue earner cards, load them as a payout would, and simulate purchases, refunds and reversals.

Pay your earners the moment they earn.

Tell us how you pay sellers, pros or players today, and we'll set up a sandbox for your team.

Plan a pilot with us Browse the docs

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